Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-23
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 129
MetricValuePeriodScopeSource row
Ordinary income−¥1.2bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥1.2bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥1.1bn2022-04-01 → 2023-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥794m2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income−¥1.7bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax−¥1.5bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Profit before tax¥1.2bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Net income (owners)−¥1.3bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥866m2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥868m2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥826m2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)−¥1.7bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income−¥1.2bn2024-04-01 → 2025-03-31Cons.Profit loss
Net income¥869m2023-04-01 → 2024-03-31Cons.Profit loss
Total assets¥805.1bnat 2025-03-31Cons.Assets
Total assets¥829.0bnat 2024-03-31Cons.Assets
Total assets¥839.9bnat 2023-03-31dCons.Total assets (5-year summary)
Total assets¥842.2bnat 2022-03-31dCons.Total assets (5-year summary)
Total assets¥825.8bnat 2021-03-31dCons.Total assets (5-year summary)
Total liabilities¥781.0bnat 2025-03-31Cons.Liabilities
Total liabilities¥803.9bnat 2024-03-31Cons.Liabilities
Net assets / equity¥24.1bnat 2025-03-31Cons.Net assets
Net assets / equity¥25.1bnat 2024-03-31Cons.Net assets
Net assets / equity¥24.3bnat 2023-03-31dCons.Net assets
Net assets / equity¥27.4bnat 2022-03-31dCons.Net assets (5-year summary)
Net assets / equity¥29.6bnat 2021-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥55.0bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥77.9bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥75.4bnat 2023-03-31dCons.Cash and cash equivalents
Cash & equivalents¥89.4bnat 2022-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥90.4bnat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow−¥15.2bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥1.2bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥7.4bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥13.2bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥39.1bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥9.5bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow¥1.5bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥6.5bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥14.2bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥23.1bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow¥1.8bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥140m2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥140m2022-04-01 → 2023-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥1m2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥113m2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥-39.262024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥30.982023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥31.052022-04-01 → 2023-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥29.562021-04-01 → 2022-03-31dCons.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)
Net assets per share¥685.63at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥891.63at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥862.71at 2023-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥973.11at 2022-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥1,055.16at 2021-03-31dCons.Net assets per share (5-year summary)
Equity ratio3.0%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio3.0%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio2.9%at 2023-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.2%at 2022-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
ROE-5.1%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE3.5%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE3.4%2022-04-01 → 2023-03-31dCons.Rate of return on equity (5-year summary)
ROE2.9%2021-04-01 → 2022-03-31dCons.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)
Employees474at 2025-03-31Cons.Number of employees
Employees484at 2024-03-31Cons.Number of employees
Employees498at 2023-03-31dCons.Number of employees
Employees512at 2022-03-31dCons.Number of employees
Employees528at 2021-03-31dCons.Number of employees
Ordinary income−¥1.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥1.4bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥1.0bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥727m2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income−¥1.8bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax−¥1.6bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥1.4bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income−¥1.3bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥1.1bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥790m2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Net income¥826m2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income−¥1.7bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Total assets¥802.0bnat 2025-03-31StandaloneAssets
Total assets¥825.6bnat 2024-03-31StandaloneAssets
Total assets¥836.3bnat 2023-03-31dStandaloneTotal assets (5-year summary)
Total assets¥839.2bnat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥822.3bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥779.7bnat 2025-03-31StandaloneLiabilities
Total liabilities¥802.3bnat 2024-03-31StandaloneLiabilities
Net assets / equity¥22.2bnat 2025-03-31StandaloneNet assets
Net assets / equity¥23.3bnat 2024-03-31StandaloneNet assets
Net assets / equity¥22.3bnat 2023-03-31dStandaloneNet assets
Net assets / equity¥25.4bnat 2022-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥27.7bnat 2021-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥-40.842024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥40.152023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥28.252022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥29.532021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥-62.312020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
Dividend per share¥52024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥52023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥52022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥52021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥636.73at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥831.5at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥797.17at 2023-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥908.72at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥990.89at 2021-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio2.8%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.7%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.0%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE-5.7%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE4.9%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE3.3%2022-04-01 → 2023-03-31dStandaloneRate of return on equity (5-year summary)
ROE3.1%2021-04-01 → 2022-03-31dStandaloneRate of return on equity (5-year summary)
ROE-6.6%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued34,900,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees431at 2025-03-31StandaloneNumber of employees
Employees439at 2024-03-31StandaloneNumber of employees
Employees456at 2023-03-31dStandaloneNumber of employees
Employees471at 2022-03-31dStandaloneNumber of employees
Employees485at 2021-03-31dStandaloneNumber 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 · 57
SegmentItemPeriodValue
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2025-03-31−¥3m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2025-03-31−¥139m
Reconciling Itemsreconcilingsegment assetsat 2025-03-31−¥2.3bn
Bankingreportable segmentcapex2024-04-01 → 2025-03-31¥1.3bn
Bankingreportable segmentdepreciation2024-04-01 → 2025-03-31¥553m
Bankingreportable segmentemployeesat 2025-03-31466 pure
Bankingreportable segmentrevenue external2024-04-01 → 2025-03-31¥11.0bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥64m
Bankingreportable segmentsegment assetsat 2025-03-31¥801.1bn
Bankingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31−¥1.2bn
Credit Card Credit Guaranteereportable segmentcapex2024-04-01 → 2025-03-31¥0
Credit Card Credit Guaranteereportable segmentdepreciation2024-04-01 → 2025-03-31¥3m
Credit Card Credit Guaranteereportable segmentemployeesat 2025-03-312 pure
Credit Card Credit Guaranteereportable segmentrevenue external2024-04-01 → 2025-03-31¥121m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥0
Credit Card Credit Guaranteereportable segmentsegment assetsat 2025-03-31¥706m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2024-04-01 → 2025-03-31−¥13m
Leasingreportable segmentcapex2024-04-01 → 2025-03-31¥46m
Leasingreportable segmentdepreciation2024-04-01 → 2025-03-31¥40m
Leasingreportable segmentemployeesat 2025-03-316 pure
Leasingreportable segmentrevenue external2024-04-01 → 2025-03-31¥2.3bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2025-03-31¥73m
Leasingreportable segmentsegment assetsat 2025-03-31¥5.6bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2025-03-31¥84m
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2025-03-31¥1.3bn
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2025-03-31¥597m
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2025-03-31¥13.4bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2025-03-31¥139m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-03-31¥807.4bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2025-03-31−¥1.2bn
Reconciling Itemsreconcilingdepreciation2023-04-01 → 2024-03-31−¥4m
Reconciling Itemsreconcilingrevenue intersegment2023-04-01 → 2024-03-31−¥139m
Reconciling Itemsreconcilingsegment assetsat 2024-03-31−¥2.1bn
Bankingreportable segmentcapex2023-04-01 → 2024-03-31¥708m
Bankingreportable segmentdepreciation2023-04-01 → 2024-03-31¥498m
Bankingreportable segmentrevenue external2023-04-01 → 2024-03-31¥10.8bn
Bankingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥63m
Bankingreportable segmentsegment assetsat 2024-03-31¥824.7bn
Bankingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥1.1bn
Credit Card Credit Guaranteereportable segmentcapex2023-04-01 → 2024-03-31¥0
Credit Card Credit Guaranteereportable segmentdepreciation2023-04-01 → 2024-03-31¥4m
Credit Card Credit Guaranteereportable segmentrevenue external2023-04-01 → 2024-03-31¥123m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥0
Credit Card Credit Guaranteereportable segmentsegment assetsat 2024-03-31¥761m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2023-04-01 → 2024-03-31−¥13m
Leasingreportable segmentcapex2023-04-01 → 2024-03-31¥46m
Leasingreportable segmentdepreciation2023-04-01 → 2024-03-31¥40m
Leasingreportable segmentrevenue external2023-04-01 → 2024-03-31¥2.4bn
Leasingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥75m
Leasingreportable segmentsegment assetsat 2024-03-31¥5.6bn
Leasingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥62m
Total Of Reportable Segments And Otherssegment totalcapex2023-04-01 → 2024-03-31¥754m
Total Of Reportable Segments And Otherssegment totaldepreciation2023-04-01 → 2024-03-31¥543m
Total Of Reportable Segments And Otherssegment totalrevenue external2023-04-01 → 2024-03-31¥13.3bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2023-04-01 → 2024-03-31¥139m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-03-31¥831.1bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2023-04-01 → 2024-03-31¥1.2bn

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

All source rows · 1,627
ItemContextValueUnit
Interest income oibnkPrior1YearDuration7542000000JPY
Interest income oibnkCurrentYearDuration8015000000JPY
Interest on loans and discounts oibnkPrior1YearDuration6802000000JPY
Interest on loans and discounts oibnkCurrentYearDuration7071000000JPY
Interest and dividends on securities oibnkPrior1YearDuration616000000JPY
Interest and dividends on securities oibnkCurrentYearDuration773000000JPY
Interest on call loans and bills bought oibnkPrior1YearDuration0JPY
Interest on call loans and bills bought oibnkCurrentYearDuration1000000JPY
Interest on deposits with banks oibnkPrior1YearDuration122000000JPY
Interest on deposits with banks oibnkCurrentYearDuration168000000JPY
Other interest income oibnkPrior1YearDuration1000000JPY
Other interest income oibnkCurrentYearDuration0JPY
Fees and commissions oibnkPrior1YearDuration2792000000JPY
Fees and commissions oibnkCurrentYearDuration2572000000JPY
Other income oibnkPrior1YearDuration2968000000JPY
Other income oibnkCurrentYearDuration2829000000JPY
Recoveries of written off claims oibnkPrior1YearDuration71000000JPY
Recoveries of written off claims oibnkCurrentYearDuration40000000JPY
Other other income oibnkPrior1YearDuration2896000000JPY
Other other income oibnkCurrentYearDuration2789000000JPY
Ordinary expenses bnkPrior1YearDuration12112000000JPY
Ordinary expenses bnkCurrentYearDuration14592000000JPY
Interest expenses oebnkPrior1YearDuration100000000JPY
Interest expenses oebnkCurrentYearDuration548000000JPY
Interest on deposits oebnkPrior1YearDuration86000000JPY
Interest on deposits oebnkCurrentYearDuration522000000JPY
Interest on negotiable certificates of deposit oebnkPrior1YearDuration0JPY
Interest on negotiable certificates of deposit oebnkCurrentYearDuration8000000JPY
Interest on call money and bills sold oebnkPrior1YearDuration0JPY
Interest on call money and bills sold oebnkCurrentYearDuration0JPY
Interest on borrowings and rediscounts oebnkPrior1YearDuration10000000JPY
Interest on borrowings and rediscounts oebnkCurrentYearDuration13000000JPY
Other interest expenses oebnkPrior1YearDuration3000000JPY
Other interest expenses oebnkCurrentYearDuration3000000JPY
Fees and commissions payments oebnkPrior1YearDuration1169000000JPY
Fees and commissions payments oebnkCurrentYearDuration1212000000JPY
Other ordinary expenses oebnkPrior1YearDuration50000000JPY
Other ordinary expenses oebnkCurrentYearDuration428000000JPY
General and administrative expenses oebnkPrior1YearDuration7842000000JPY
General and administrative expenses oebnkCurrentYearDuration8977000000JPY
Other expenses oebnkPrior1YearDuration2948000000JPY
Other expenses oebnkCurrentYearDuration3426000000JPY
Provision of allowance for loan losses oebnkPrior1YearDuration345000000JPY
Provision of allowance for loan losses oebnkCurrentYearDuration416000000JPY
Other other expenses oebnkPrior1YearDuration2603000000JPY
Other other expenses oebnkCurrentYearDuration3009000000JPY
Ordinary incomePrior1YearDuration1190000000JPY
Ordinary incomeCurrentYearDuration-1175000000JPY
Extraordinary lossPrior1YearDuration5000000JPY
Extraordinary lossCurrentYearDuration339000000JPY

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 2024-03-31pass
balance sheet identityconsolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2024-03-31pass
balance sheet identitynon_consolidated 2025-03-31pass rounding
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsconsolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net income attributable to parentconsolidated 2023-04-01/2024-03-31pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2025-03-31pass
statement vs summary · operating cash flowconsolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2025-03-31pass
statement vs summary · total assetsconsolidated 2024-03-31pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass