Half-year report · HY

Period2025-04-01 → 2025-09-30
Filed2025-11-21
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 108
MetricValuePeriodScopeSource row
Ordinary income¥1.4bn2025-04-01 → 2025-09-30Cons.Ordinary income
Ordinary income¥2.0bn2024-04-01 → 2025-03-31Cons.Ordinary income loss (5-year summary)
Ordinary income¥1.4bn2024-04-01 → 2024-09-30Cons.Ordinary income
Ordinary income¥1.9bn2023-04-01 → 2024-03-31vCons.Ordinary income loss (5-year summary)
Ordinary income¥1.2bn2023-04-01 → 2023-09-30dCons.Ordinary income loss (5-year summary)
Profit before tax¥1.4bn2025-04-01 → 2025-09-30Cons.Income before income taxes
Profit before tax¥1.4bn2024-04-01 → 2024-09-30Cons.Income before income taxes
Net income (owners)¥968m2025-04-01 → 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)¥917m2024-04-01 → 2024-09-30Cons.Profit loss attributable to owners of parent
Net income (owners)¥1.3bn2023-04-01 → 2024-03-31vCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥856m2023-04-01 → 2023-09-30dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥973m2025-04-01 → 2025-09-30Cons.Profit loss
Net income¥926m2024-04-01 → 2024-09-30Cons.Profit loss
Total assets¥867.7bnat 2025-09-30Cons.Assets
Total assets¥851.1bnat 2025-03-31Cons.Assets
Total assets¥862.8bnat 2024-09-30Cons.Assets
Total assets¥876.9bnat 2024-03-31vCons.Total assets (5-year summary)
Total assets¥901.4bnat 2023-09-30dCons.Total assets (5-year summary)
Total liabilities¥834.9bnat 2025-09-30Cons.Liabilities
Total liabilities¥818.3bnat 2025-03-31Cons.Liabilities
Total liabilities¥825.5bnat 2024-09-30Cons.Liabilities
Net assets / equity¥32.9bnat 2025-09-30Cons.Net assets
Net assets / equity¥32.7bnat 2025-03-31Cons.Net assets
Net assets / equity¥37.3bnat 2024-09-30Cons.Net assets
Net assets / equity¥38.5bnat 2024-03-31vCons.Net assets
Net assets / equity¥34.8bnat 2023-09-30dCons.Net assets (5-year summary)
Cash & equivalents¥46.7bnat 2025-09-30Cons.Cash and cash equivalents
Cash & equivalents¥35.0bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥53.5bnat 2024-09-30Cons.Cash and cash equivalents
Cash & equivalents¥71.9bnat 2024-03-31vCons.Cash and cash equivalents
Cash & equivalents¥93.4bnat 2023-09-30dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥8.1bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥31.2bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥8.8bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in operating activities
Operating cash flow−¥9.1bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥16.9bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow¥3.9bn2025-04-01 → 2025-09-30Cons.Net cash provided by used in investment activities
Investing cash flow−¥5.3bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥9.2bn2024-04-01 → 2024-09-30Cons.Net cash provided by used in investment activities
Investing cash flow¥9.4bn2023-04-01 → 2024-03-31vCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥4.9bn2023-04-01 → 2023-09-30dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥385m2025-04-01 → 2025-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥392m2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥391m2024-04-01 → 2024-09-30Cons.Net cash provided by used in financing activities
Financing cash flow−¥361m2023-04-01 → 2024-03-31vCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥359m2023-04-01 → 2023-09-30dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥76.482025-04-01 → 2025-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥105.062024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥72.432024-04-01 → 2024-09-30Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥99.022023-04-01 → 2024-03-31vCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥67.582023-04-01 → 2023-09-30dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥2,523.24at 2025-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥2,516.25at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥2,875.73at 2024-09-30Cons.Net assets per share (5-year summary)
Net assets per share¥2,967.02at 2024-03-31vCons.Net assets per share (5-year summary)
Net assets per share¥2,671.99at 2023-09-30dCons.Net assets per share (5-year summary)
Equity ratio3.7%at 2025-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio3.7%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio4.2%at 2024-09-30Cons.Equity to asset ratio (5-year summary)
Equity ratio4.3%at 2024-03-31vCons.Equity to asset ratio (5-year summary)
Equity ratio3.8%at 2023-09-30dCons.Equity to asset ratio (5-year summary)
Employees427at 2025-09-30Cons.Number of employees
Employees419at 2025-03-31Cons.Number of employees
Employees433at 2024-09-30Cons.Number of employees
Employees428at 2024-03-31vCons.Number of employees
Employees440at 2023-09-30dCons.Number of employees
Ordinary income¥1.4bn2025-04-01 → 2025-09-30StandaloneOrdinary income
Ordinary income¥1.9bn2024-04-01 → 2025-03-31StandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.3bn2024-04-01 → 2024-09-30StandaloneOrdinary income
Ordinary income¥1.8bn2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.2bn2023-04-01 → 2023-09-30dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥1.4bn2025-04-01 → 2025-09-30StandaloneIncome before income taxes
Profit before tax¥1.3bn2024-04-01 → 2024-09-30StandaloneIncome before income taxes
Net income¥949m2025-04-01 → 2025-09-30StandaloneProfit loss
Net income¥1.3bn2024-04-01 → 2025-03-31StandaloneNet income loss (5-year summary)
Net income¥880m2024-04-01 → 2024-09-30StandaloneProfit loss
Net income¥1.2bn2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥841m2023-04-01 → 2023-09-30dStandaloneNet income loss (5-year summary)
Total assets¥864.6bnat 2025-09-30StandaloneAssets
Total assets¥848.0bnat 2025-03-31StandaloneAssets
Total assets¥859.7bnat 2024-09-30StandaloneTotal assets (5-year summary)
Total assets¥873.7bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥898.1bnat 2023-09-30dStandaloneTotal assets (5-year summary)
Total liabilities¥834.0bnat 2025-09-30StandaloneLiabilities
Total liabilities¥817.5bnat 2025-03-31StandaloneLiabilities
Net assets / equity¥30.6bnat 2025-09-30StandaloneNet assets
Net assets / equity¥30.5bnat 2025-03-31StandaloneNet assets
Net assets / equity¥35.1bnat 2024-09-30StandaloneNet assets
Net assets / equity¥36.3bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥32.6bnat 2023-09-30dStandaloneNet assets (5-year summary)
Dividend per share¥322024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥302023-04-01 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Equity ratio3.5%at 2025-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio3.6%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.1%at 2024-09-30StandaloneEquity to asset ratio (5-year summary)
Equity ratio4.2%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.6%at 2023-09-30dStandaloneEquity to asset ratio (5-year summary)
Shares issued12,701,000at 2025-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued12,701,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued12,701,000at 2024-09-30StandaloneTotal number of issued shares (5-year summary)
Shares issued12,701,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued12,701,000at 2023-09-30dStandaloneTotal number of issued shares (5-year summary)
Employees419at 2025-09-30StandaloneNumber of employees
Employees411at 2025-03-31StandaloneNumber of employees
Employees425at 2024-09-30StandaloneNumber of employees
Employees420at 2024-03-31vStandaloneNumber of employees
Employees432at 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 · 67
SegmentItemPeriodValue
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2025-04-01 → 2025-09-30¥3m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2025-04-01 → 2025-09-30¥1m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2025-04-01 → 2025-09-30¥139m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2025-04-01 → 2025-09-30¥10m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2025-09-30¥4.6bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2025-04-01 → 2025-09-30¥4m
Reconciling Itemsreconcilingrevenue external2025-04-01 → 2025-09-30−¥8m
Reconciling Itemsreconcilingrevenue intersegment2025-04-01 → 2025-09-30−¥27m
Reconciling Itemsreconcilingsegment assetsat 2025-09-30−¥5.1bn
Reconciling Itemsreconcilingsegment ordinary income2025-04-01 → 2025-09-30¥0
Banking Businessreportable segmentcapex2025-04-01 → 2025-09-30¥73m
Banking Businessreportable segmentdepreciation2025-04-01 → 2025-09-30¥238m
Banking Businessreportable segmentrevenue external2025-04-01 → 2025-09-30¥6.9bn
Banking Businessreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥16m
Banking Businessreportable segmentsegment assetsat 2025-09-30¥864.6bn
Banking Businessreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥1.4bn
Leasing Businessreportable segmentcapex2025-04-01 → 2025-09-30¥3m
Leasing Businessreportable segmentdepreciation2025-04-01 → 2025-09-30¥4m
Leasing Businessreportable segmentrevenue external2025-04-01 → 2025-09-30¥524m
Leasing Businessreportable segmentrevenue intersegment2025-04-01 → 2025-09-30¥1m
Leasing Businessreportable segmentsegment assetsat 2025-09-30¥3.6bn
Leasing Businessreportable segmentsegment ordinary income2025-04-01 → 2025-09-30¥29m
—segment totalcapex2025-04-01 → 2025-09-30¥76m
—segment totaldepreciation2025-04-01 → 2025-09-30¥242m
—segment totalrevenue external2025-04-01 → 2025-09-30¥7.4bn
—segment totalrevenue intersegment2025-04-01 → 2025-09-30¥17m
—segment totalsegment assetsat 2025-09-30¥868.2bn
—segment totalsegment ordinary income2025-04-01 → 2025-09-30¥1.4bn
Total Of Reportable Segments And Otherssegment totalcapex2025-04-01 → 2025-09-30¥80m
Total Of Reportable Segments And Otherssegment totaldepreciation2025-04-01 → 2025-09-30¥244m
Total Of Reportable Segments And Otherssegment totalrevenue external2025-04-01 → 2025-09-30¥7.6bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2025-04-01 → 2025-09-30¥27m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2025-09-30¥872.8bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2025-04-01 → 2025-09-30¥1.4bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentscapex2024-04-01 → 2024-09-30¥4m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsdepreciation2024-04-01 → 2024-09-30¥2m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue external2024-04-01 → 2024-09-30¥146m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentsrevenue intersegment2024-04-01 → 2024-09-30¥10m
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment assetsat 2024-09-30¥4.9bn
Operating Segments Not Included In Reportable Segments And Other Revenue Generating Business Activitiesother segmentssegment ordinary income2024-04-01 → 2024-09-30¥14m
Reconciling Itemsreconcilingrevenue external2024-04-01 → 2024-09-30−¥20m
Reconciling Itemsreconcilingrevenue intersegment2024-04-01 → 2024-09-30−¥28m
Reconciling Itemsreconcilingsegment assetsat 2024-09-30−¥5.6bn
Reconciling Itemsreconcilingsegment ordinary income2024-04-01 → 2024-09-30¥0
Banking Businessreportable segmentcapex2024-04-01 → 2024-09-30¥180m
Banking Businessreportable segmentdepreciation2024-04-01 → 2024-09-30¥283m
Banking Businessreportable segmentrevenue external2024-04-01 → 2024-09-30¥5.8bn
Banking Businessreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥16m
Banking Businessreportable segmentsegment assetsat 2024-09-30¥859.7bn
Banking Businessreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥1.3bn
Leasing Businessreportable segmentdepreciation2024-04-01 → 2024-09-30¥3m
Leasing Businessreportable segmentrevenue external2024-04-01 → 2024-09-30¥589m
Leasing Businessreportable segmentrevenue intersegment2024-04-01 → 2024-09-30¥0
Leasing Businessreportable segmentsegment assetsat 2024-09-30¥3.9bn
Leasing Businessreportable segmentsegment ordinary income2024-04-01 → 2024-09-30¥49m
—segment totalcapex2024-04-01 → 2024-09-30¥180m
—segment totaldepreciation2024-04-01 → 2024-09-30¥286m
—segment totalrevenue external2024-04-01 → 2024-09-30¥6.4bn
—segment totalrevenue intersegment2024-04-01 → 2024-09-30¥17m
—segment totalsegment assetsat 2024-09-30¥863.6bn
—segment totalsegment ordinary income2024-04-01 → 2024-09-30¥1.3bn
Total Of Reportable Segments And Otherssegment totalcapex2024-04-01 → 2024-09-30¥185m
Total Of Reportable Segments And Otherssegment totaldepreciation2024-04-01 → 2024-09-30¥289m
Total Of Reportable Segments And Otherssegment totalrevenue external2024-04-01 → 2024-09-30¥6.5bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2024-04-01 → 2024-09-30¥28m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-09-30¥868.4bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2024-04-01 → 2024-09-30¥1.4bn

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

All source rows · 1,146
ItemContextValueUnit
Valuation difference on available for sale securitiesPrior1YearInstant_NonConsolidatedMember-11451000000JPY
Valuation difference on available for sale securitiesInterimInstant_NonConsolidatedMember-11893000000JPY
Revaluation reserve for landPrior1YearInstant_NonConsolidatedMember1691000000JPY
Revaluation reserve for landInterimInstant_NonConsolidatedMember1691000000JPY
Valuation and translation adjustmentsPrior1YearInstant_NonConsolidatedMember-9759000000JPY
Valuation and translation adjustmentsInterimInstant_NonConsolidatedMember-10201000000JPY
Net assetsPrior1YearInstant_NonConsolidatedMember30516000000JPY
Net assetsInterimInstant_NonConsolidatedMember30633000000JPY
Liabilities and net assetsPrior1YearInstant_NonConsolidatedMember847977000000JPY
Liabilities and net assetsInterimInstant_NonConsolidatedMember864618000000JPY
Ordinary income bnkPrior1InterimDuration_NonConsolidatedMember5821000000JPY
Ordinary income bnkInterimDuration_NonConsolidatedMember6912000000JPY
Interest income oibnkPrior1InterimDuration_NonConsolidatedMember4498000000JPY
Interest income oibnkInterimDuration_NonConsolidatedMember5287000000JPY
Interest on loans and discounts oibnkPrior1InterimDuration_NonConsolidatedMember3829000000JPY
Interest on loans and discounts oibnkInterimDuration_NonConsolidatedMember4509000000JPY
Interest and dividends on securities oibnkPrior1InterimDuration_NonConsolidatedMember614000000JPY
Interest and dividends on securities oibnkInterimDuration_NonConsolidatedMember692000000JPY
Fees and commissions oibnkPrior1InterimDuration_NonConsolidatedMember1097000000JPY
Fees and commissions oibnkInterimDuration_NonConsolidatedMember1131000000JPY
Other ordinary income oibnkPrior1InterimDuration_NonConsolidatedMember0JPY
Other ordinary income oibnkInterimDuration_NonConsolidatedMember-JPY
Other income oibnkPrior1InterimDuration_NonConsolidatedMember225000000JPY
Other income oibnkInterimDuration_NonConsolidatedMember493000000JPY
Ordinary expenses bnkPrior1InterimDuration_NonConsolidatedMember4532000000JPY
Ordinary expenses bnkInterimDuration_NonConsolidatedMember5548000000JPY
Interest expenses oebnkPrior1InterimDuration_NonConsolidatedMember142000000JPY
Interest expenses oebnkInterimDuration_NonConsolidatedMember774000000JPY
Interest on deposits oebnkPrior1InterimDuration_NonConsolidatedMember128000000JPY
Interest on deposits oebnkInterimDuration_NonConsolidatedMember688000000JPY
Fees and commissions payments oebnkPrior1InterimDuration_NonConsolidatedMember769000000JPY
Fees and commissions payments oebnkInterimDuration_NonConsolidatedMember773000000JPY
Other ordinary expenses oebnkPrior1InterimDuration_NonConsolidatedMember16000000JPY
Other ordinary expenses oebnkInterimDuration_NonConsolidatedMember383000000JPY
General and administrative expenses oebnkPrior1InterimDuration_NonConsolidatedMember3518000000JPY
General and administrative expenses oebnkInterimDuration_NonConsolidatedMember3536000000JPY
Other expenses oebnkPrior1InterimDuration_NonConsolidatedMember85000000JPY
Other expenses oebnkInterimDuration_NonConsolidatedMember80000000JPY
Ordinary incomePrior1InterimDuration_NonConsolidatedMember1289000000JPY
Ordinary incomeInterimDuration_NonConsolidatedMember1364000000JPY
Extraordinary incomePrior1InterimDuration_NonConsolidatedMember1000000JPY
Extraordinary incomeInterimDuration_NonConsolidatedMember-JPY
Extraordinary lossPrior1InterimDuration_NonConsolidatedMember2000000JPY
Extraordinary lossInterimDuration_NonConsolidatedMember0JPY
Income before income taxesPrior1InterimDuration_NonConsolidatedMember1288000000JPY
Income before income taxesInterimDuration_NonConsolidatedMember1364000000JPY
Income taxes currentPrior1InterimDuration_NonConsolidatedMember377000000JPY
Income taxes currentInterimDuration_NonConsolidatedMember365000000JPY
Income taxes deferredPrior1InterimDuration_NonConsolidatedMember29000000JPY
Income taxes deferredInterimDuration_NonConsolidatedMember50000000JPY

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 rounding
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