Annual report

Period2022-04-01 → 2023-03-31
Filed2023-06-21
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 129
MetricValuePeriodScopeSource row
Ordinary income¥1.1bn2022-04-01 → 2023-03-31Cons.Ordinary income
Ordinary income¥794m2021-04-01 → 2022-03-31Cons.Ordinary income
Ordinary income−¥1.7bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥494m2019-04-01 → 2020-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥519m2018-04-01 → 2019-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥1.1bn2022-04-01 → 2023-03-31Cons.Income before income taxes
Profit before tax¥771m2021-04-01 → 2022-03-31Cons.Income before income taxes
Net income (owners)¥868m2022-04-01 → 2023-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥826m2021-04-01 → 2022-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)−¥1.7bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥409m2019-04-01 → 2020-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥521m2018-04-01 → 2019-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥879m2022-04-01 → 2023-03-31Cons.Profit loss
Net income¥833m2021-04-01 → 2022-03-31Cons.Profit loss
Total assets¥839.9bnat 2023-03-31Cons.Assets
Total assets¥842.2bnat 2022-03-31Cons.Assets
Total assets¥825.8bnat 2021-03-31dCons.Total assets (5-year summary)
Total assets¥755.6bnat 2020-03-31dCons.Total assets (5-year summary)
Total assets¥768.4bnat 2019-03-31dCons.Total assets (5-year summary)
Total liabilities¥815.6bnat 2023-03-31Cons.Liabilities
Total liabilities¥814.9bnat 2022-03-31Cons.Liabilities
Net assets / equity¥24.3bnat 2023-03-31Cons.Net assets
Net assets / equity¥27.4bnat 2022-03-31Cons.Net assets
Net assets / equity¥29.6bnat 2021-03-31dCons.Net assets
Net assets / equity¥27.2bnat 2020-03-31dCons.Net assets (5-year summary)
Net assets / equity¥28.2bnat 2019-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥75.4bnat 2023-03-31Cons.Cash and cash equivalents
Cash & equivalents¥89.4bnat 2022-03-31Cons.Cash and cash equivalents
Cash & equivalents¥90.4bnat 2021-03-31dCons.Cash and cash equivalents
Cash & equivalents¥74.6bnat 2020-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥97.4bnat 2019-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥7.4bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥13.2bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥39.1bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥39.1bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥25.3bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥6.5bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥14.2bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥23.1bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥15.2bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥14.2bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥140m2022-04-01 → 2023-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥1m2021-04-01 → 2022-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥113m2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow¥1.1bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥1.5bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥31.052022-04-01 → 2023-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥29.562021-04-01 → 2022-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-61.622020-04-01 → 2021-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥17.22019-04-01 → 2020-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥22.692018-04-01 → 2019-03-31dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥862.71at 2023-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥973.11at 2022-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥1,055.16at 2021-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥964.37at 2020-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥1,221.08at 2019-03-31dCons.Net assets per share (5-year summary)
Equity ratio2.9%at 2023-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio3.2%at 2022-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2020-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2019-03-31dCons.Equity to asset ratio (5-year summary)
ROE3.4%2022-04-01 → 2023-03-31Cons.Rate of return on equity (5-year summary)
ROE2.9%2021-04-01 → 2022-03-31Cons.Rate of return on equity (5-year summary)
ROE-6.1%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
ROE1.5%2019-04-01 → 2020-03-31dCons.Rate of return on equity (5-year summary)
ROE1.8%2018-04-01 → 2019-03-31dCons.Rate of return on equity (5-year summary)
Employees498at 2023-03-31Cons.Number of employees
Employees512at 2022-03-31Cons.Number of employees
Employees528at 2021-03-31dCons.Number of employees
Employees543at 2020-03-31dCons.Number of employees
Employees545at 2019-03-31dCons.Number of employees
Ordinary income¥1.0bn2022-04-01 → 2023-03-31StandaloneOrdinary income
Ordinary income¥727m2021-04-01 → 2022-03-31StandaloneOrdinary income
Ordinary income−¥1.8bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥404m2019-04-01 → 2020-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥294m2018-04-01 → 2019-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥1.0bn2022-04-01 → 2023-03-31StandaloneIncome before income taxes
Profit before tax¥705m2021-04-01 → 2022-03-31StandaloneIncome before income taxes
Net income¥790m2022-04-01 → 2023-03-31StandaloneProfit loss
Net income¥826m2021-04-01 → 2022-03-31StandaloneProfit loss
Net income−¥1.7bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Net income¥350m2019-04-01 → 2020-03-31dStandaloneNet income loss (5-year summary)
Net income¥330m2018-04-01 → 2019-03-31dStandaloneNet income loss (5-year summary)
Total assets¥836.3bnat 2023-03-31StandaloneAssets
Total assets¥839.2bnat 2022-03-31StandaloneAssets
Total assets¥822.3bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total assets¥752.3bnat 2020-03-31dStandaloneTotal assets (5-year summary)
Total assets¥764.9bnat 2019-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥814.0bnat 2023-03-31StandaloneLiabilities
Total liabilities¥813.8bnat 2022-03-31StandaloneLiabilities
Net assets / equity¥22.3bnat 2023-03-31StandaloneNet assets
Net assets / equity¥25.4bnat 2022-03-31StandaloneNet assets
Net assets / equity¥27.7bnat 2021-03-31dStandaloneNet assets
Net assets / equity¥25.3bnat 2020-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥26.4bnat 2019-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥28.252022-04-01 → 2023-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥29.532021-04-01 → 2022-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥-62.312020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥14.722019-04-01 → 2020-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥14.382018-04-01 → 2019-03-31dStandaloneBasic earnings loss per share (5-year summary)
Dividend per share¥52022-04-01 → 2023-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥52021-04-01 → 2022-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥22019-04-01 → 2020-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥22018-04-01 → 2019-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥797.17at 2023-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥908.72at 2022-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥990.89at 2021-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥902.97at 2020-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥1,147.09at 2019-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio2.7%at 2023-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio3.0%at 2022-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2020-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2019-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE3.3%2022-04-01 → 2023-03-31StandaloneRate of return on equity (5-year summary)
ROE3.1%2021-04-01 → 2022-03-31StandaloneRate of return on equity (5-year summary)
ROE-6.6%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
ROE1.4%2019-04-01 → 2020-03-31dStandaloneRate of return on equity (5-year summary)
ROE1.2%2018-04-01 → 2019-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued28,000,000at 2023-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2022-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2020-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued23,000,000at 2019-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees456at 2023-03-31StandaloneNumber of employees
Employees471at 2022-03-31StandaloneNumber of employees
Employees485at 2021-03-31dStandaloneNumber of employees
Employees501at 2020-03-31dStandaloneNumber of employees
Employees504at 2019-03-31dStandaloneNumber of employees

Periods use the dates stated in the filing. d = earlier-year period dated by calendar; v = that date confirmed by the company's own earlier filing.

Segments · 60
SegmentItemPeriodValue
Reconciling Itemsreconcilingdepreciation2022-04-01 → 2023-03-31−¥5m
Reconciling Itemsreconcilingrevenue external2022-04-01 → 2023-03-31−¥2m
Reconciling Itemsreconcilingrevenue intersegment2022-04-01 → 2023-03-31−¥143m
Reconciling Itemsreconcilingsegment assetsat 2023-03-31−¥2.4bn
Bankingreportable segmentcapex2022-04-01 → 2023-03-31¥177m
Bankingreportable segmentdepreciation2022-04-01 → 2023-03-31¥570m
Bankingreportable segmentemployeesat 2023-03-31489 pure
Bankingreportable segmentrevenue external2022-04-01 → 2023-03-31¥10.7bn
Bankingreportable segmentrevenue intersegment2022-04-01 → 2023-03-31¥66m
Bankingreportable segmentsegment assetsat 2023-03-31¥835.5bn
Bankingreportable segmentsegment ordinary income2022-04-01 → 2023-03-31¥1.1bn
Credit Card Credit Guaranteereportable segmentcapex2022-04-01 → 2023-03-31¥3m
Credit Card Credit Guaranteereportable segmentdepreciation2022-04-01 → 2023-03-31¥5m
Credit Card Credit Guaranteereportable segmentemployeesat 2023-03-313 pure
Credit Card Credit Guaranteereportable segmentrevenue external2022-04-01 → 2023-03-31¥136m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2022-04-01 → 2023-03-31¥0
Credit Card Credit Guaranteereportable segmentsegment assetsat 2023-03-31¥780m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2022-04-01 → 2023-03-31−¥6m
Leasingreportable segmentcapex2022-04-01 → 2023-03-31¥57m
Leasingreportable segmentdepreciation2022-04-01 → 2023-03-31¥43m
Leasingreportable segmentemployeesat 2023-03-316 pure
Leasingreportable segmentrevenue external2022-04-01 → 2023-03-31¥2.5bn
Leasingreportable segmentrevenue intersegment2022-04-01 → 2023-03-31¥75m
Leasingreportable segmentsegment assetsat 2023-03-31¥6.0bn
Leasingreportable segmentsegment ordinary income2022-04-01 → 2023-03-31¥80m
Total Of Reportable Segments And Otherssegment totalcapex2022-04-01 → 2023-03-31¥238m
Total Of Reportable Segments And Otherssegment totaldepreciation2022-04-01 → 2023-03-31¥619m
Total Of Reportable Segments And Otherssegment totalrevenue external2022-04-01 → 2023-03-31¥13.3bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2022-04-01 → 2023-03-31¥143m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2023-03-31¥842.3bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2022-04-01 → 2023-03-31¥1.1bn
Reconciling Itemsreconcilingcapex2021-04-01 → 2022-03-31−¥5m
Reconciling Itemsreconcilingdepreciation2021-04-01 → 2022-03-31−¥5m
Reconciling Itemsreconcilingrevenue external2021-04-01 → 2022-03-31−¥15m
Reconciling Itemsreconcilingrevenue intersegment2021-04-01 → 2022-03-31−¥169m
Reconciling Itemsreconcilingsegment assetsat 2022-03-31−¥3.3bn
Bankingreportable segmentcapex2021-04-01 → 2022-03-31¥339m
Bankingreportable segmentdepreciation2021-04-01 → 2022-03-31¥622m
Bankingreportable segmentrevenue external2021-04-01 → 2022-03-31¥10.7bn
Bankingreportable segmentrevenue intersegment2021-04-01 → 2022-03-31¥89m
Bankingreportable segmentsegment assetsat 2022-03-31¥838.3bn
Bankingreportable segmentsegment ordinary income2021-04-01 → 2022-03-31¥756m
Credit Card Credit Guaranteereportable segmentcapex2021-04-01 → 2022-03-31¥10m
Credit Card Credit Guaranteereportable segmentdepreciation2021-04-01 → 2022-03-31¥4m
Credit Card Credit Guaranteereportable segmentrevenue external2021-04-01 → 2022-03-31¥142m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2021-04-01 → 2022-03-31¥1m
Credit Card Credit Guaranteereportable segmentsegment assetsat 2022-03-31¥813m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2021-04-01 → 2022-03-31−¥9m
Leasingreportable segmentcapex2021-04-01 → 2022-03-31¥51m
Leasingreportable segmentdepreciation2021-04-01 → 2022-03-31¥38m
Leasingreportable segmentrevenue external2021-04-01 → 2022-03-31¥2.3bn
Leasingreportable segmentrevenue intersegment2021-04-01 → 2022-03-31¥79m
Leasingreportable segmentsegment assetsat 2022-03-31¥6.3bn
Leasingreportable segmentsegment ordinary income2021-04-01 → 2022-03-31¥46m
Total Of Reportable Segments And Otherssegment totalcapex2021-04-01 → 2022-03-31¥402m
Total Of Reportable Segments And Otherssegment totaldepreciation2021-04-01 → 2022-03-31¥665m
Total Of Reportable Segments And Otherssegment totalrevenue external2021-04-01 → 2022-03-31¥13.2bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2021-04-01 → 2022-03-31¥169m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2022-03-31¥845.5bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2021-04-01 → 2022-03-31¥794m

Segment names come from EDINET member IDs; not yet mapped to a common taxonomy.

All source rows · 1,576
ItemContextValueUnit
Foreign exchanges liabilities bnkCurrentYearInstant-JPY
Other liabilities liabilities bnkPrior1YearInstant2557000000JPY
Other liabilities liabilities bnkCurrentYearInstant2324000000JPY
Provision for bonusesPrior1YearInstant173000000JPY
Provision for bonusesCurrentYearInstant179000000JPY
Net defined benefit liabilityPrior1YearInstant112000000JPY
Net defined benefit liabilityCurrentYearInstant187000000JPY
Provision for reimbursement of deposits liabilities bnkPrior1YearInstant114000000JPY
Provision for reimbursement of deposits liabilities bnkCurrentYearInstant78000000JPY
Provision for loss on interest repayment liabilities bnkPrior1YearInstant3000000JPY
Provision for loss on interest repayment liabilities bnkCurrentYearInstant3000000JPY
Deferred tax liabilitiesPrior1YearInstant38000000JPY
Deferred tax liabilitiesCurrentYearInstant36000000JPY
Deferred tax liabilities for land revaluationPrior1YearInstant641000000JPY
Deferred tax liabilities for land revaluationCurrentYearInstant641000000JPY
Acceptances and guarantees liabilities bnkPrior1YearInstant351000000JPY
Acceptances and guarantees liabilities bnkCurrentYearInstant414000000JPY
LiabilitiesPrior1YearInstant814891000000JPY
LiabilitiesCurrentYearInstant815602000000JPY
Capital stockPrior1YearInstant18682000000JPY
Capital stockCurrentYearInstant18682000000JPY
Capital surplusPrior1YearInstant1802000000JPY
Capital surplusCurrentYearInstant1802000000JPY
Retained earningsPrior1YearInstant8994000000JPY
Retained earningsCurrentYearInstant9723000000JPY
Treasury stockPrior1YearInstant-19000000JPY
Treasury stockCurrentYearInstant-20000000JPY
Shareholders equityPrior1YearInstant29459000000JPY
Shareholders equityCurrentYearInstant30188000000JPY
Valuation difference on available for sale securitiesPrior1YearInstant-2905000000JPY
Valuation difference on available for sale securitiesCurrentYearInstant-6678000000JPY
Revaluation reserve for landPrior1YearInstant717000000JPY
Revaluation reserve for landCurrentYearInstant717000000JPY
Remeasurements of defined benefit plansPrior1YearInstant-48000000JPY
Remeasurements of defined benefit plansCurrentYearInstant-93000000JPY
Valuation and translation adjustmentsPrior1YearInstant-2236000000JPY
Valuation and translation adjustmentsCurrentYearInstant-6054000000JPY
Non controlling interestsPrior1YearInstant131000000JPY
Non controlling interestsCurrentYearInstant141000000JPY
Net assetsPrior1YearInstant27354000000JPY
Net assetsCurrentYearInstant24275000000JPY
Liabilities and net assetsPrior1YearInstant842245000000JPY
Liabilities and net assetsCurrentYearInstant839877000000JPY
Ordinary income bnkPrior1YearDuration13179000000JPY
Ordinary income bnkCurrentYearDuration13290000000JPY
Interest income oibnkPrior1YearDuration7660000000JPY
Interest income oibnkCurrentYearDuration7725000000JPY
Interest on loans and discounts oibnkPrior1YearDuration6725000000JPY
Interest on loans and discounts oibnkCurrentYearDuration6763000000JPY
Interest and dividends on securities oibnkPrior1YearDuration773000000JPY

Every row of the EDINET CSV. Item names are the XBRL element names; filed text is kept in its original Japanese. Filed text is available on Plus and Pro.

Data checks · 20 of 20 passed
balance sheet identityconsolidated 2022-03-31pass
balance sheet identityconsolidated 2023-03-31pass
balance sheet identitynon_consolidated 2022-03-31pass
balance sheet identitynon_consolidated 2023-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2021-03-31pass
statement vs summary · net assetsconsolidated 2022-03-31pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2021-03-31pass
statement vs summary · net assetsnon_consolidated 2022-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net income attributable to parentconsolidated 2021-04-01/2022-03-31pass
statement vs summary · net income attributable to parentconsolidated 2022-04-01/2023-03-31pass
statement vs summary · operating cash flowconsolidated 2021-04-01/2022-03-31pass
statement vs summary · operating cash flowconsolidated 2022-04-01/2023-03-31pass
statement vs summary · total assetsconsolidated 2022-03-31pass
statement vs summary · total assetsconsolidated 2023-03-31pass
statement vs summary · total assetsnon_consolidated 2022-03-31pass
statement vs summary · total assetsnon_consolidated 2023-03-31pass