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
Deferred tax liabilities for land revaluationInterimInstant645000000JPY
Acceptances and guarantees liabilities bnkPrior1YearInstant234000000JPY
Acceptances and guarantees liabilities bnkInterimInstant235000000JPY
LiabilitiesPrior1YearInstant781038000000JPY
LiabilitiesInterimInstant814704000000JPY
Capital stockPrior1YearInstant19638000000JPY
Capital stockInterimInstant19638000000JPY
Capital surplusPrior1YearInstant2758000000JPY
Capital surplusInterimInstant2758000000JPY
Retained earningsPrior1YearInstant8931000000JPY
Retained earningsInterimInstant8913000000JPY
Treasury stockPrior1YearInstant-20000000JPY
Treasury stockInterimInstant-20000000JPY
Shareholders equityPrior1YearInstant31307000000JPY
Shareholders equityInterimInstant31289000000JPY
Valuation difference on available for sale securitiesPrior1YearInstant-8199000000JPY
Valuation difference on available for sale securitiesInterimInstant-8002000000JPY
Revaluation reserve for landPrior1YearInstant826000000JPY
Revaluation reserve for landInterimInstant826000000JPY
Remeasurements of defined benefit plansPrior1YearInstant-25000000JPY
Remeasurements of defined benefit plansInterimInstant-31000000JPY
Valuation and translation adjustmentsPrior1YearInstant-7397000000JPY
Valuation and translation adjustmentsInterimInstant-7207000000JPY
Non controlling interestsPrior1YearInstant147000000JPY
Non controlling interestsInterimInstant150000000JPY
Net assetsPrior1YearInstant24057000000JPY
Net assetsInterimInstant24232000000JPY
Liabilities and net assetsPrior1YearInstant805096000000JPY
Liabilities and net assetsInterimInstant838936000000JPY
Ordinary income bnkPrior1InterimDuration6604000000JPY
Ordinary income bnkInterimDuration7199000000JPY
Interest income oibnkPrior1InterimDuration3849000000JPY
Interest income oibnkInterimDuration4518000000JPY
Interest on loans and discounts oibnkPrior1InterimDuration3445000000JPY
Interest on loans and discounts oibnkInterimDuration3944000000JPY
Interest and dividends on securities oibnkPrior1InterimDuration331000000JPY
Interest and dividends on securities oibnkInterimDuration440000000JPY
Fees and commissions oibnkPrior1InterimDuration1333000000JPY
Fees and commissions oibnkInterimDuration1315000000JPY
Other income oibnkPrior1InterimDuration1421000000JPY
Other income oibnkInterimDuration1366000000JPY
Ordinary expenses bnkPrior1InterimDuration7250000000JPY
Ordinary expenses bnkInterimDuration7092000000JPY
Interest expenses oebnkPrior1InterimDuration144000000JPY
Interest expenses oebnkInterimDuration915000000JPY
Interest on deposits oebnkPrior1InterimDuration133000000JPY
Interest on deposits oebnkInterimDuration860000000JPY
Fees and commissions payments oebnkPrior1InterimDuration664000000JPY
Fees and commissions payments oebnkInterimDuration674000000JPY
Other ordinary expenses oebnkPrior1InterimDuration24000000JPY

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