Half-year report · HY

Period2025-04-01 → 2025-09-30
Filed2025-11-14
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 108
MetricValuePeriodScopeSource row
Ordinary income¥106m2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income−¥1.2bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income−¥646m2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥1.2bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥566m2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥151m2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax−¥944m2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥156m2025-04-01 → 2025-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)−¥1.3bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)−¥951m2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥866m2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥321m2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥159m2025-04-01 → 2025-09-30Cons.Profit loss
Net income−¥951m2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥838.9bnat 2025-09-30Cons.Assets
Total assets¥805.1bnat 2025-03-31Cons.Assets
Total assets¥846.6bnat 2024-09-30Cons.Assets
Total assets¥829.0bnat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥819.6bnat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥814.7bnat 2025-09-30Cons.Liabilities
Total liabilities¥781.0bnat 2025-03-31Cons.Liabilities
Total liabilities¥821.3bnat 2024-09-30Cons.Liabilities
Net assets / equity¥24.2bnat 2025-09-30Cons.Net assets
Net assets / equity¥24.1bnat 2025-03-31Cons.Net assets
Net assets / equity¥25.3bnat 2024-09-30Cons.Net assets
Net assets / equity¥25.1bnat 2024-03-31vCons.Net assets
Net assets / equity¥23.4bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥78.5bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥55.0bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥98.1bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥77.9bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥71.9bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥27.7bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥15.2bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥18.7bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow¥1.2bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥6.8bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥4.0bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥9.5bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥237m2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥1.5bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥3.4bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥175m2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow¥1.8bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow¥1.8bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥140m2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥140m2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥4.472025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-39.262024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-32.882024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥30.982023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥11.52023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥690.57at 2025-09-30Cons.Net assets 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¥720.88at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥891.63at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥830.74at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio2.9%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio3.0%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio3.0%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio3.0%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio2.8%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees470at 2025-09-30Cons.Number of employees
Employees474at 2025-03-31Cons.Number of employees
Employees483at 2024-09-30Cons.Number of employees
Employees484at 2024-03-31vCons.Number of employees
Employees501at 2023-09-30dCons.Number of employees
Ordinary income¥183m2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income−¥1.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income−¥652m2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥1.4bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥585m2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥228m2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax−¥951m2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥245m2025-04-01 → 2025-09-30StandaloneProfit loss
Net income−¥1.3bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income−¥946m2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥1.1bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥342m2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥836.1bnat 2025-09-30StandaloneAssets
Total assets¥802.0bnat 2025-03-31StandaloneAssets
Total assets¥843.5bnat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥825.6bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥816.3bnat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥813.6bnat 2025-09-30StandaloneLiabilities
Total liabilities¥779.7bnat 2025-03-31StandaloneLiabilities
Net assets / equity¥22.5bnat 2025-09-30StandaloneNet assets
Net assets / equity¥22.2bnat 2025-03-31StandaloneNet assets
Net assets / equity¥23.5bnat 2024-09-30StandaloneNet assets
Net assets / equity¥23.3bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥21.4bnat 2023-09-30dStandaloneNet assets (5-year summary)
Dividend per share¥52024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥52023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Equity ratio2.7%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.8%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio2.6%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued34,900,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued34,900,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued34,900,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees424at 2025-09-30StandaloneNumber of employees
Employees431at 2025-03-31StandaloneNumber of employees
Employees441at 2024-09-30StandaloneNumber of employees
Employees439at 2024-03-31vStandaloneNumber of employees
Employees457at 2023-09-30dStandaloneNumber 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 · 53
SegmentItemPeriodValue
Reconciling Itemsreconcilingdepreciation2025-04-01 → 2025-09-30−¥1m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥74m
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥2.9bn
Bankingreportable segmentcapex2025-04-01 → 2025-09-30¥83m
Bankingreportable segmentdepreciation2025-04-01 → 2025-09-30¥267m
Bankingreportable segmentrevenue external2025-04-01 → 2025-09-30¥6.0bn
Bankingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥37m
Bankingreportable segmentsegment assetsat 2025-09-30¥835.2bn
Bankingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥96m
Credit Card And Credit Guaranteereportable segmentcapex2025-04-01 → 2025-09-30¥1m
Credit Card And Credit Guaranteereportable segmentdepreciation2025-04-01 → 2025-09-30¥1m
Credit Card And Credit Guaranteereportable segmentrevenue external2025-04-01 → 2025-09-30¥56m
Credit Card And Credit Guaranteereportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥0
Credit Card And Credit Guaranteereportable segmentsegment assetsat 2025-09-30¥676m
Credit Card And Credit Guaranteereportable segmentsegment ordinary income2025-04-01 → 2025-09-30−¥6m
Leasingreportable segmentcapex2025-04-01 → 2025-09-30¥15m
Leasingreportable segmentdepreciation2025-04-01 → 2025-09-30¥18m
Leasingreportable segmentrevenue external2025-04-01 → 2025-09-30¥1.1bn
Leasingreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥36m
Leasingreportable segmentsegment assetsat 2025-09-30¥5.9bn
Leasingreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥16m
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥100m
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥288m
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥7.2bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥74m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥841.8bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥106m
Reconciling Itemsreconcilingdepreciation2024-04-01 → 2024-09-30−¥1m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥68m
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥2.3bn
Bankingreportable segmentcapex2024-04-01 → 2024-09-30¥760m
Bankingreportable segmentdepreciation2024-04-01 → 2024-09-30¥265m
Bankingreportable segmentrevenue external2024-04-01 → 2024-09-30¥5.4bn
Bankingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥31m
Bankingreportable segmentsegment assetsat 2024-09-30¥842.7bn
Bankingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30−¥656m
Credit Card And Credit Guaranteereportable segmentdepreciation2024-04-01 → 2024-09-30¥1m
Credit Card And Credit Guaranteereportable segmentrevenue external2024-04-01 → 2024-09-30¥74m
Credit Card And Credit Guaranteereportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥0
Credit Card And Credit Guaranteereportable segmentsegment assetsat 2024-09-30¥715m
Credit Card And Credit Guaranteereportable segmentsegment ordinary income2024-04-01 → 2024-09-30−¥10m
Leasingreportable segmentcapex2024-04-01 → 2024-09-30¥7m
Leasingreportable segmentdepreciation2024-04-01 → 2024-09-30¥19m
Leasingreportable segmentrevenue external2024-04-01 → 2024-09-30¥1.2bn
Leasingreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥36m
Leasingreportable segmentsegment assetsat 2024-09-30¥5.5bn
Leasingreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥20m
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥768m
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥286m
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥6.6bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥68m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥848.9bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30−¥646m

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

All source rows · 1,112
ItemContextValueUnit
Interest on loans and discounts oibnkInterimDuration_NonConsolidatedMember3951000000JPY
Interest and dividends on securities oibnkPrior1InterimDuration_NonConsolidatedMember343000000JPY
Interest and dividends on securities oibnkInterimDuration_NonConsolidatedMember542000000JPY
Fees and commissions oibnkPrior1InterimDuration_NonConsolidatedMember1347000000JPY
Fees and commissions oibnkInterimDuration_NonConsolidatedMember1331000000JPY
Other income oibnkPrior1InterimDuration_NonConsolidatedMember95000000JPY
Other income oibnkInterimDuration_NonConsolidatedMember107000000JPY
Ordinary expenses bnkPrior1InterimDuration_NonConsolidatedMember5958000000JPY
Ordinary expenses bnkInterimDuration_NonConsolidatedMember5881000000JPY
Interest expenses oebnkPrior1InterimDuration_NonConsolidatedMember138000000JPY
Interest expenses oebnkInterimDuration_NonConsolidatedMember907000000JPY
Interest on deposits oebnkPrior1InterimDuration_NonConsolidatedMember133000000JPY
Interest on deposits oebnkInterimDuration_NonConsolidatedMember861000000JPY
Fees and commissions payments oebnkPrior1InterimDuration_NonConsolidatedMember662000000JPY
Fees and commissions payments oebnkInterimDuration_NonConsolidatedMember672000000JPY
Other ordinary expenses oebnkPrior1InterimDuration_NonConsolidatedMember85000000JPY
Other ordinary expenses oebnkInterimDuration_NonConsolidatedMember1000000JPY
General and administrative expenses oebnkPrior1InterimDuration_NonConsolidatedMember4483000000JPY
General and administrative expenses oebnkInterimDuration_NonConsolidatedMember4002000000JPY
Other expenses oebnkPrior1InterimDuration_NonConsolidatedMember589000000JPY
Other expenses oebnkInterimDuration_NonConsolidatedMember298000000JPY
Ordinary incomePrior1InterimDuration_NonConsolidatedMember-652000000JPY
Ordinary incomeInterimDuration_NonConsolidatedMember183000000JPY
Extraordinary incomePrior1InterimDuration_NonConsolidatedMember-JPY
Extraordinary incomeInterimDuration_NonConsolidatedMember47000000JPY
Extraordinary lossPrior1InterimDuration_NonConsolidatedMember298000000JPY
Extraordinary lossInterimDuration_NonConsolidatedMember3000000JPY
Income before income taxesPrior1InterimDuration_NonConsolidatedMember-951000000JPY
Income before income taxesInterimDuration_NonConsolidatedMember228000000JPY
Income taxes currentPrior1InterimDuration_NonConsolidatedMember10000000JPY
Income taxes currentInterimDuration_NonConsolidatedMember10000000JPY
Income taxes deferredPrior1InterimDuration_NonConsolidatedMember-15000000JPY
Income taxes deferredInterimDuration_NonConsolidatedMember-28000000JPY
Income taxesPrior1InterimDuration_NonConsolidatedMember-4000000JPY
Income taxesInterimDuration_NonConsolidatedMember-17000000JPY
Profit lossPrior1InterimDuration_NonConsolidatedMember-946000000JPY
Profit lossInterimDuration_NonConsolidatedMember245000000JPY
Net assetsPrior2YearInstant_NonConsolidatedMember_CapitalStockMember18682000000JPY
Net assetsPrior2YearInstant_NonConsolidatedMember_LegalCapitalSurplusMember555000000JPY
Net assetsPrior2YearInstant_NonConsolidatedMember_OtherCapitalSurplusMember1228000000JPY
Net assetsPrior2YearInstant_NonConsolidatedMember_CapitalSurplusMember1783000000JPY
Net assetsPrior2YearInstant_NonConsolidatedMember_LegalRetainedEarningsMember492000000JPY
Net assetsPrior2YearInstant_NonConsolidatedMember_GeneralReserveMember3500000000JPY
Net assetsPrior2YearInstant_NonConsolidatedMember_RetainedEarningsBroughtForwardMember4798000000JPY
Net assetsPrior2YearInstant_NonConsolidatedMember_RetainedEarningsMember8790000000JPY
Issuance of new sharesPrior1InterimDuration_NonConsolidatedMember_CapitalStockMember955000000JPY
Issuance of new sharesPrior1InterimDuration_NonConsolidatedMember_LegalCapitalSurplusMember955000000JPY
Issuance of new sharesPrior1InterimDuration_NonConsolidatedMember_CapitalSurplusMember955000000JPY
Dividends from surplusPrior1InterimDuration_NonConsolidatedMember_RetainedEarningsBroughtForwardMember-139000000JPY
Dividends from surplusPrior1InterimDuration_NonConsolidatedMember_RetainedEarningsMember-139000000JPY

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 · 24 of 24 passed
balance sheet identityconsolidated 2024-09-30pass rounding
balance sheet identityconsolidated 2025-03-31pass rounding
balance sheet identityconsolidated 2025-09-30pass
balance sheet identitynon_consolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2025-09-30pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsconsolidated 2024-09-30pass
statement vs summary · net assetsconsolidated 2025-03-31pass
statement vs summary · net assetsconsolidated 2025-09-30pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2024-09-30pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2025-09-30pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2024-09-30pass
statement vs summary · net income attributable to parentconsolidated 2025-04-01/2025-09-30pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2024-09-30pass
statement vs summary · operating cash flowconsolidated 2025-04-01/2025-09-30pass
statement vs summary · total assetsconsolidated 2024-09-30pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsconsolidated 2025-09-30pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2025-09-30pass