※Fiscal years ended March 31
Profit and loss
Consolidated ordinary income (Interest income, Non-interest income, Other income)
(Billion Yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
| Q1 |
26.5 |
29.0 |
32.6 |
40.8 |
57.5 |
| Interest |
14.7 |
16.3 |
19.2 |
26.1 |
43.6 |
| Non-interest |
11.6 |
12.5 |
13.2 |
14.4 |
13.7 |
| Other |
0.1 |
0.1 |
0.1 |
0.1 |
0.1 |
| Q2 |
52.6 |
58.3 |
65.9 |
83.6 |
118.3 |
| Interest |
29.5 |
33.2 |
39.6 |
55.3 |
90.1 |
| Non-interest |
22.9 |
24.9 |
26.1 |
27.9 |
27.7 |
| Other |
0.2 |
0.1 |
0.1 |
0.3 |
0.4 |
| Q3 |
79.1 |
89.1 |
101.0 |
131.7 |
|
| Interest |
44.5 |
50.9 |
61.4 |
89.5 |
|
| Non-interest |
34.2 |
37.9 |
39.2 |
41.7 |
|
| Other |
0.2 |
0.2 |
0.2 |
0.4 |
|
| FY |
106.0 |
120.4 |
137.9 |
184.5 |
|
| Interest |
59.8 |
69.0 |
84.5 |
128.1 |
|
| Non-interest |
45.5 |
50.8 |
52.5 |
55.5 |
|
| Other |
0.7 |
0.6 |
0.8 |
0.8 |
|
Consolidated ordinary profit
(Billion Yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
| Q1 |
7.0 |
9.2 |
11.3 |
15.2 |
23.9 |
| Q2 |
13.6 |
17.9 |
22.5 |
31.0 |
48.2 |
| Q3 |
20.7 |
28.5 |
35.2 |
49.4 |
|
| FY |
27.9 |
38.7 |
48.3 |
71.5 |
|
Non-consolidated operating expenses / G&A expense ratios
(Billion Yen)
|
FY2020 |
FY2021 |
FY2022 |
FY2023 |
FY2024 |
| Non-consolidated operating expenses |
34.5 |
35.0 |
35.8 |
38.4 |
42.5 |
| G&A expense ratios |
55.0% |
54.4% |
45.8% |
42.5% |
35.6% |
Non-consolidated net operating profit
(Billion Yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
| Q1 |
7.4 |
9.7 |
12.1 |
16.7 |
24.9 |
| Q2 |
14.4 |
19.5 |
24.0 |
33.9 |
49.7 |
| Q3 |
22.1 |
31.0 |
37.3 |
53.3 |
|
| FY |
29.0 |
41.7 |
50.9 |
75.5 |
|
Assets and Liabilities
Consolidated total assets
(Billion Yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
| Q1 |
6,969.7 |
10,084.0 |
12,011.1 |
14,030.7 |
15,253.8 |
| Q2 |
7,485.6 |
10,713.4 |
12,170.8 |
14,222.7 |
15,710.3 |
| Q3 |
8,746.5 |
11,404.3 |
13,173.0 |
15,382.1 |
|
| FY |
9,490.6 |
11,589.5 |
13,480.4 |
14,748.6 |
|
Consolidated total equity
(Billion Yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
| Q1 |
192.6 |
214.1 |
257.0 |
289.8 |
341.4 |
| Q2 |
197.6 |
219.8 |
259.7 |
299.2 |
356.0 |
| Q3 |
203.5 |
218.9 |
270.7 |
310.8 |
|
| FY |
206.4 |
231.6 |
279.5 |
319.1 |
|
Non-consolidated Loans and Monetary claims bought
(Billion Yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
| Q1 |
3,504.8 |
4,860.4 |
5,936.3 |
6,714.4 |
7,623.6 |
| Q2 |
3,670.9 |
5,166.8 |
6,163.8 |
6,923.9 |
8,096.6 |
| Q3 |
4,169.0 |
5,975.9 |
6,578.7 |
7,631.3 |
|
| FY |
4,584.0 |
5,846.1 |
6,528.1 |
7,783.2 |
|
KPI
# of Bank Accounts (Non-consolidated)
(Thousand accounts)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
| Q1 |
10,985 |
12,682 |
14,047 |
15,870 |
17,073 |
| Q2 |
11,382 |
13,030 |
14,374 |
16,195 |
17,321 |
| Q3 |
11,820 |
13,389 |
14,758 |
16,483 |
|
| FY |
12,310 |
13,739 |
15,236 |
16,833 |
|
Total Deposit Balance (Non-consolidated)
(Billion Yen)
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
| Q1 |
6,071.1 |
8,134.4 |
9,488.0 |
10,943.9 |
11,728.2 |
| Q2 |
6,498.8 |
8,394.7 |
9,550.0 |
11,119.0 |
12,247.3 |
| Q3 |
7,512.6 |
8,846.9 |
10,319.7 |
12,071.8 |
|
| FY |
7,765.3 |
9,129.8 |
10,540.2 |
11,476.3 |
|
ROE (Consolidated)
|
FY2020 |
FY2021 |
FY2022 |
FY2023 |
FY2024 |
| ROE |
12.2% |
11.2% |
13.8% |
14.1% |
18.0% |
Capital adequacy / Capital adequacy ratio(domestic standard)*1 (Consolidated)
(Billion Yen)
|
FY2020 |
FY2021 |
FY2022 |
FY2023 |
FY2024 |
| Capital adequacy |
172.6 |
192.8 |
218.3 |
263.6 |
307.8 |
| Capital adequacy ratio*1 |
11.6% |
10.6% |
11.2% |
10.9% |
10.6% |
*1: Capital adequacy ratio (domestic standard) is calculated based on standards stipulated by Article 14-2 of the Banking Act for the purpose of determining whether banks have sufficient equity capital given their holdings of assets and other instruments (Notification No. 19, the Financial Services Agency of Japan, 2006).
Basel Ⅲ finalization was implemented from the end of March 2025.
