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SBI Shinsei Bank

SBI Shinsei Bank, Limited

Company highlights

The company has paid a dividend for 5 consecutive years.

Key figures

Period Apr 2025 to Mar 2026

RevenueDisclosed —
Operating marginCalculated Could not be retrieved
Net assets to total assetsCalculated 5.0%

Company profile

Securities code 8303 / EDINET code E03530 / Banks / Fiscal year end March 31

中央区日本橋室町２－４－３／Capital stock ¥178,507 million
Address, capital stock, fiscal year end and industry: the FSA’s EDINET code list.

Official website: https://corp.sbishinseibank.co.jp
Official website: gBizINFO (Ministry of Economy, Trade and Industry).

Company details
最高経営責任者川島克哉 Representative
52 Consolidated subsidiaries

Tables scroll sideways

Disclosed data

Source: Annual Securities Report (Apr 2025 to Mar 2026) · filed 2026-06-19

Profitability Could not be retrieved
Growth Could not be retrieved
Capital efficiency ★★★★☆position among all companies 10.4%

Business activities and revenue composition

Breakdown by business: not published

Revenue and profit

Amounts by account
GroupAccountAmountConsolidated / Non-consolidated
Profit by stage Ordinary income ¥123.4 billion Consolidated
Net income ¥113.4 billion Consolidated

Performance, financial position and capital allocation

Finance
5.0% Net assets to total assets Industry median 5.0% FY ending 3/2026 · consolidated / calculated
0.5% Return on assets (ROA)
¥1,381.19 Net assets per share
¥724.9 billion Free cash flow
¥24,741.4 billion Total assets
¥4.8 billion Goodwill (the part of the acquisition price above the net assets acquired)
Capital allocation
0.1% Return to shareholders ★☆☆☆☆ position among all companies FY ending 3/2026 · consolidated / calculated
-1.0% Extraordinary gains and losses relative to ordinary profit ★★★☆☆ position among all companies FY ending 3/2026 · consolidated / calculated

SBI Shinsei Bank

Long-term revenue, profit and asset trends

Period 2013 to 2026Source Annual securities reportsDisclosed

Mark on the chart
123 82 41 0 2013 2015 2017 2019 2021 2023 2025 2026 Ordinary income 2014　Ordinary income (loss) as a share of revenue -2.3 points 2015　Ordinary income (loss) as a share of revenue +6.6 points 2017　Ordinary income (loss) as a share of revenue -4.0 points 2018　Ordinary income (loss) as a share of revenue +2.3 points 2020　Ordinary income (loss) as a share of revenue -2.1 points 2022　Ordinary income (loss) as a share of revenue -4.3 points 2023　Ordinary income (loss) as a share of revenue +4.8 points 2024　Ordinary revenue year on year +25.8% 2026　Ordinary revenue year on year +26.1%, Ordinary income (loss) as a share of revenue +3.3 points 123Latest value 2026 123¥ billion 123Highest in the period shown 2026 123¥ billion 28Lowest in the period shown 2022 28¥ billion ¥ billion

SBI Shinsei Bank

Recent performance trends

Source Annual securities reports

123 82 41 0 4 years ago 3 years ago 2 years ago Last year This year Ordinary income ¥ billion

Year-on-year comparison

Period 2013 to 2026Disclosed

Item20222023202420252026
Ordinary revenue ¥373.3B ¥421.9B ¥530.8B ¥614.0B ¥774.1B
Year on year (%) -0.2% +13.0% +25.8%◆ +15.7% +26.1%◆
Ordinary income (loss) ¥28.3B ¥52.1B ¥61.1B ¥77.8B ¥123.4B
Change from prior year -36.3% +84.2% +17.1% +27.4% +58.6%
Ordinary income (loss) as a share of Ordinary revenue 7.6% 12.4% 11.5% 12.7% 15.9%
Change (percentage points) -4.3 points◆ +4.8 points◆ -0.9 points +1.2 points +3.3 points◆

Fiscal periods marked for changes

Earlier fiscal periods (6)
  • 2014Ordinary income (loss) as a share of revenue -2.3 points
  • 2015Ordinary income (loss) as a share of revenue +6.6 points
  • 2017Ordinary income (loss) as a share of revenue -4.0 points
  • 2018Ordinary income (loss) as a share of revenue +2.3 points
  • 2020Ordinary income (loss) as a share of revenue -2.1 points
  • 2022Ordinary income (loss) as a share of revenue -4.3 points
  • 2023Ordinary income (loss) as a share of revenue +4.8 points
  • 2024Ordinary revenue year on year +25.8%
  • 2026Ordinary revenue year on year +26.1%, Ordinary income (loss) as a share of revenue +3.3 points

SBI Shinsei Bank

Earnings and net assets per share over time

Unit yenSource Annual securities reports

990,851,470 660,567,647 330,283,823 0 4 years ago 3 years ago 2 years ago Last year This year Earnings per share yen 17,828,740,929 11,885,827,286 5,942,913,643 0 4 years ago 3 years ago 2 years ago Last year This year Net assets per share yen

SBI Shinsei Bank

Return on equity over time

Unit %Source Annual securities reports

10 7 3 0 4 years ago 3 years ago 2 years ago Last year This year Return on equity (ROE, %)
Consolidated indicators (15 items)
Item4 years ago3 years ago2 years agoLast yearThis year
Ordinary revenue ¥373.3 billion ¥421.9 billion ¥530.8 billion ¥614.0 billion ¥774.1 billion
Ordinary income (loss) ¥28.3 billion ¥52.1 billion ¥61.1 billion ¥77.8 billion ¥123.4 billion
Net income (loss) attributable to owners of parent ¥20.4 billion ¥42.8 billion ¥57.9 billion ¥84.5 billion ¥113.4 billion
Comprehensive income ¥17.0 billion ¥46.8 billion ¥70.7 billion ¥55.3 billion ¥190.1 billion
Net assets ¥924.3 billion ¥966.5 billion ¥966.7 billion ¥959.2 billion ¥1,233.0 billion
Total assets ¥10,311.4 billion ¥13,694.8 billion ¥16,049.0 billion ¥20,329.9 billion ¥24,741.4 billion
Net assets per share 4,484.01 yen 16,033,315,142.95 yen 17,828,740,928.75 yen 1,151.4 yen 1,381.19 yen
Basic earnings (loss) per share 96.78 yen 712,851,750.13 yen 990,851,470.11 yen 112.7 yen 137.66 yen
Diluted earnings per share 96.75 yen Could not be retrieved Could not be retrieved Could not be retrieved 137.51 yen
Equity-to-asset ratio 8.9% 7.0% 6.0% 4.7% 5.0%
Return on equity 2.2% 4.5% 6.0% 8.8% 10.4%
Net cash provided by (used in) operating activities ¥-470.6 billion ¥1,307.0 billion ¥1,188.2 billion ¥1,984.6 billion ¥1,914.1 billion
Net cash provided by (used in) investing activities ¥251.0 billion ¥-955.6 billion ¥95.8 billion ¥-1,292.4 billion ¥-1,189.3 billion
Net cash provided by (used in) financing activities ¥-19.9 billion ¥-4.6 billion ¥-69.6 billion ¥-48.5 billion ¥127.0 billion
Cash and cash equivalents ¥1,567.1 billion ¥1,913.7 billion ¥3,128.0 billion ¥3,771.9 billion ¥4,623.6 billion
Parent only indicators (17 items)
Item4 years ago3 years ago2 years agoLast yearThis year
Ordinary revenue ¥165.6 billion ¥192.6 billion ¥268.5 billion ¥315.4 billion ¥418.4 billion
Ordinary income (loss) ¥36.8 billion ¥54.4 billion ¥58.3 billion ¥60.9 billion ¥68.6 billion
Net income (loss) ¥30.4 billion ¥49.0 billion ¥62.9 billion ¥50.1 billion ¥55.1 billion
Capital stock ¥512.2 billion ¥512.2 billion ¥512.2 billion ¥140.0 billion ¥178.5 billion
Total number of issued shares (common stock) 259,034,689 shares 205,034,689 shares 60 shares 48 shares 895,500,000 shares
Net assets ¥853.4 billion ¥896.6 billion ¥888.8 billion ¥865.8 billion ¥1,065.3 billion
Total assets ¥8,726.9 billion ¥12,228.7 billion ¥14,528.5 billion ¥18,676.3 billion ¥22,732.7 billion
Deposits outstanding ¥5,955.0 billion ¥8,035.4 billion ¥9,098.3 billion ¥11,574.6 billion ¥13,089.1 billion
Loans outstanding ¥5,279.6 billion ¥7,255.6 billion ¥8,401.4 billion ¥10,179.4 billion ¥11,394.2 billion
Securities outstanding ¥1,104.8 billion ¥1,966.0 billion ¥1,940.9 billion ¥3,145.2 billion ¥4,322.9 billion
Net assets per share 4,158 yen 14,942,624,424.71 yen 16,458,679,280.96 yen 1,009.13 yen 1,201 yen
Dividend per share 12 yen 12 yen 40,000,000 yen 40,000,000 yen 42 yen
Basic earnings (loss) per share 144.26 yen 816,523,594.33 yen 1,075,351,255.48 yen 66.87 yen 66.87 yen
Diluted earnings per share 144.22 yen Could not be retrieved Could not be retrieved Could not be retrieved 66.79 yen
Equity-to-asset ratio 9.8% 7.3% 6.1% 4.6% 4.7%
Return on equity 3.5% 5.6% 7.0% 5.7% 5.7%
Payout ratio 8.3% 5.0% 3.7% 4.2% 62.8%

Dividend history

Source: reporting company’s key figures, annual securities reports · 14 years (2013 to 2026)Parent-onlyDisclosed

0 periods Consecutive increases (own definition) through FY ending 3/2023
5 periods Consecutive periods with dividends (site definition) through FY ending 3/2023
+0.0% Dividend growth (year on year)
Fewer than six years Dividend growth (5-year annual rate)
Fiscal yearAnnual dividend per share Of which interimPayout ratio (as reported, parent only) Flag
FY ending 3/2026 ¥42 Could not be retrieved 62.8% Stock split or share consolidation noted
FY ending 3/2025 ¥40,000,000 Could not be retrieved 4.2% Stock split or share consolidation noted
FY ending 3/2024 ¥40,000,000 Could not be retrieved 3.7% Stock split or share consolidation noted
FY ending 3/2023 ¥12 Could not be retrieved 5.0%
FY ending 3/2022 ¥12 Could not be retrieved 8.3%
FY ending 3/2021 ¥12 Could not be retrieved 7.8%
FY ending 3/2020 ¥10 Could not be retrieved 7.2%
FY ending 3/2019 ¥10 Could not be retrieved 7.0%
FY ending 3/2018 ¥10 Could not be retrieved 6.4% Stock split or share consolidation noted
FY ending 3/2017 ¥1 Could not be retrieved 6.0%
FY ending 3/2016 ¥1 Could not be retrieved 6.4%
FY ending 3/2015 ¥1 Could not be retrieved 5.8%
FY ending 3/2014 ¥1 Could not be retrieved 7.3%
FY ending 3/2013 ¥1 Could not be retrieved 10.8%

SBI Shinsei Bank

Dividends per share over time

Unit yenSource Annual securities reports

40,000,000 26,666,667 13,333,333 0 4 years ago 3 years ago 2 years ago Last year This year Dividend per share yen

Shareholder composition

As of 2026-03-31Disclosed

Share ownership by holder category

232,078 Shareholders
5.46% Foreign holders (total) Industry median 15.36%
16.35% Individuals and others Industry median 29.55%

SBI Shinsei Bank

Unit %Source Annual securities reports

  • Financial institutions4.37%
  • Securities firms1.63%
  • Other corporations72.16%
  • Foreign holders (institutions)5.31%
  • Foreign holders (individuals)0.15%
  • Individuals and others16.35%

Major shareholders

RankShareholderShareholding ratioShares held
1 SBIホールディングス株式会社 71.21% 631,700,000
2 日本マスタートラスト信託銀行株式会社（信託口） 2.63% 23,373,000
3 QATAR HOLDING LLC（常任代理人 みずほ銀行決済営業部） 1.91% 17,000,000
4 日本証券金融株式会社 0.6% 5,373,000
5 JPモルガン証券株式会社 0.44% 3,917,000
6 株式会社日本カストディ銀行（信託口） 0.42% 3,786,000
7 JP MORGAN CHASE BANK 385167（常任代理人 みずほ銀行決済営業部） 0.41% 3,675,000
8 MSIP CLIENT SECURITIES（常任代理人 モルガン・スタンレーMUFG証券株式会社） 0.4% 3,564,000
9 農林中央金庫 0.38% 3,448,000
10 野村證券株式会社 0.38% 3,405,000

Research and development expenses and capital expenditure

Source: R&D and capital expenditure sections, annual securities reports · 2 years (2021 to 2026)Disclosed

Not disclosed Research and development
¥19.5 billion Capital expenditure
Fiscal year Capital expenditure
FY ending 3/2026 ¥19.5 billion
FY ending 3/2021 ¥12.0 billion

Revenue scale in the same industry

Revenue of this company: not retrieved (no comparison)

Workforce information

Source: Annual Securities Report (Apr 2025 to Mar 2026)Parent-onlyDisclosed

2,419 Employees (parent only) Industry median 987
42.7 Average age Industry median 41.0
13.1 years Average length of service Industry median 16.7 years
¥8.56 million Average annual salary Industry median ¥7.29 million
People and organisation
73.5% Wage gap between men and women
22.2% Women in managerial positions
26.3% Share of female employees
95.0% Men taking childcare leave
Men 10.9 yrs
Women 11.7 yrs Average length of service by gender
Men 1,407
Women 964 Employees by gender
1,393 Average temporary staff

Administrative filings and published information

Workplace information filings

Filed 2026-06-25Disclosed

ItemValue
Employees 2,423
Average monthly overtime (statutory overtime plus work on statutory days off)
Scope: 正社員		 20.9 hours
Annual paid leave taken (all employees) 71%
Childcare leave taken, men
Scope: その他		 95%
Childcare leave taken, women
Scope: その他		 95%
Share of managers who are women 22.2%
Share of board members who are women 19.2%

Greenhouse gas emissions

Reported to the government for fiscal 2023Disclosed

CategoryEmissions
特定事業所排出者5,920 t-CO2

Audit and disclosure information

Annual securities report, year ended 2026-03-31Disclosed

ItemValue
Audit firm 有限責任監査法人トーマツ
Audit fees (this year, total) ¥0.9 billion
Non-audit fees (this year, total) ¥87.00 million
Audit fees (this year, network firms) ¥39.00 million
Non-audit fees (this year, network firms) ¥0.1 billion
Going concern note Cannot be determined
Accounting standard Japanese GAAP

See the book series →

Sources and methodology

Retrieved disclosed figures

Accounts and values from the annual securities report, by section

Major management indicators (5 years) (32 items)

ItemValueConsolidated / Non-consolidated
Comprehensive income ¥190.1 billion Consolidated
Net cash provided by (used in) operating activities ¥1,914.1 billion Consolidated
Net cash provided by (used in) investing activities ¥-1,189.3 billion Consolidated
Diluted earnings per share 137.51 yen Consolidated
Cash and cash equivalents ¥4,623.6 billion Consolidated
Net assets ¥1,233.0 billion Consolidated
Ordinary income (loss) ¥123.4 billion Consolidated
Ordinary revenue ¥774.1 billion Consolidated
Total assets ¥24,741.4 billion Consolidated
Return on equity 10.4% Consolidated
Equity-to-asset ratio 5.0% Consolidated
Net income (loss) attributable to owners of parent ¥113.4 billion Consolidated
Net cash provided by (used in) financing activities ¥127.0 billion Consolidated
Basic earnings (loss) per share 137.66 yen Consolidated
Net assets per share 1,381.19 yen Consolidated
Dividend per share 42 yen Parent only
Net income (loss) ¥55.1 billion Parent only
Securities outstanding ¥4,322.9 billion Parent only
Diluted earnings per share 66.79 yen Parent only
Total number of issued shares (common stock) 895,500,000 shares Parent only
Net assets ¥1,065.3 billion Parent only
Ordinary income (loss) ¥68.6 billion Parent only
Ordinary revenue ¥418.4 billion Parent only
Total assets ¥22,732.7 billion Parent only
Return on equity 5.7% Parent only
Equity-to-asset ratio 4.7% Parent only
Loans outstanding ¥11,394.2 billion Parent only
Capital stock ¥178.5 billion Parent only
Payout ratio 62.8% Parent only
Deposits outstanding ¥13,089.1 billion Parent only
Basic earnings (loss) per share 66.87 yen Parent only
Net assets per share 1,201 yen Parent only

Employees (9 items)

ItemValueConsolidated / Non-consolidated
Number of employees 5,828 people Consolidated
Wage gap between men and women (all employees) 73.5% Parent only
Average length of service (years) 13.1 years Parent only
Average annual salary ¥8.56 million Parent only
Average age (years) 42.7 years old Parent only
Number of employees 2,419 people Parent only
Number of employees 2,419 people Parent only
Wage gap between men and women (regular employees) 75.3% Parent only
Wage gap between men and women (non-regular employees) 57.0% Parent only

Other disclosed items (8 items)

ItemValueConsolidated / Non-consolidated
Average number of temporary employees 1,393 people Consolidated
Number of associates accounted for using equity method 43 companies Consolidated
Number of unconsolidated subsidiaries accounted for using equity method 0 companies Consolidated
Number of consolidated subsidiaries 52 companies Consolidated
Rate of male employees taking childcare leave (all employees) 95.0% Parent only
Average number of temporary employees 396 people Parent only
Average number of temporary employees 396 people Parent only
Ratio of female employees in managerial positions 22.2% Parent only

Property and facilities (1 items)

ItemValueConsolidated / Non-consolidated
Capital expenditures ¥19.5 billion Consolidated

Shares (24 items)

ItemValueConsolidated / Non-consolidated
Total of dividends received equity securities not listed investment equity securities held for pure investment reporting company ¥0.3 billion Consolidated
Total of gain loss on sale equity securities not listed investment equity securities held for pure investment reporting company ¥0 Consolidated
Total of gain loss on sale equity securities other than those not listed investment equity securities held for pure investment reporting company ¥13.9 billion Consolidated
Number of shares held 699,244,000 shares Consolidated
Total number of shares held treasury shares etc 8,500,000 shares Consolidated
Number of issues whose number of shares increased shares not listed investment shares held for purposes other than pure investment reporting company 1 issues Consolidated
Number of issues whose number of shares decreased shares not listed investment shares held for purposes other than pure investment reporting company 3 issues Consolidated
Number of issues whose number of shares decreased shares other than those not listed investment shares held for purposes other than pure investment reporting company 1 issues Consolidated
Total acquisition cost for increased shares shares not listed investment shares held for purposes other than pure investment reporting company ¥75.00 million Consolidated
Total sale amount for decreased shares shares not listed investment shares held for purposes other than pure investment reporting company ¥0.5 billion Consolidated
Number of shares 895,500,000 shares Consolidated
Shareholding ratio treasury shares etc 0.9% Consolidated
Shareholding ratio 78.8% Consolidated
Number of shares held in own name treasury shares etc 8,500,000 shares Consolidated
Total of valuation gain (loss) ¥0.3 billion Consolidated
Number of voting rights 8,867,384 units Consolidated
Carrying amount on the balance sheet ¥1.4 billion Consolidated
Carrying amount on the balance sheet ¥4.2 billion Consolidated
Book value equity securities not listed investment equity securities held for pure investment reporting company ¥10.7 billion Consolidated
Book value equity securities other than those not listed investment equity securities held for pure investment reporting company ¥0.5 billion Consolidated
Number of issues 22 issues Consolidated
Number of issues 29 issues Consolidated
Number of issues 2 issues Consolidated
Number of issues 12 issues Consolidated

Audit (10 items)

ItemValueConsolidated / Non-consolidated
Fees for audit and attestation services - reporting company ¥0.5 billion Consolidated
Fees for audit and attestation services - total ¥39.00 million Consolidated
Fees for audit and attestation services - total ¥0.9 billion Consolidated
Fees for audit and attestation services - consolidated subsidiaries ¥39.00 million Consolidated
Fees for audit and attestation services - consolidated subsidiaries ¥0.4 billion Consolidated
Fees for non-audit services - reporting company ¥0.1 billion Consolidated
Fees for non-audit services - reporting company ¥87.00 million Consolidated
Fees for non-audit services - total ¥0.1 billion Consolidated
Fees for non-audit services - total ¥87.00 million Consolidated
Non audit fees consolidated subsidiaries network firms ¥4.00 million Consolidated

Accounts unique to this company (27 items)

ItemValueConsolidated / Non-consolidated
Revenue ¥40.1 billion Consolidated
Revenue ¥0.2 billion Consolidated
Revenue ¥2.9 billion Consolidated
Revenue ¥0.6 billion Consolidated
Revenue ¥2.8 billion Consolidated
Revenue ¥1.0 billion Consolidated
Revenue ¥0.4 billion Consolidated
Revenue ¥176.3 billion Consolidated
Revenue ¥-0.4 billion Consolidated
Revenue ¥14.9 billion Consolidated
Revenue ¥0.4 billion Consolidated
Revenue ¥1.7 billion Consolidated
Revenue ¥0.2 billion Consolidated
Revenue ¥-0.9 billion Consolidated
Revenue ¥-4.3 billion Consolidated
Revenue ¥26.3 billion Consolidated
Revenue ¥0.5 billion Consolidated
Revenue ¥8.7 billion Consolidated
Revenue ¥347.0 billion Consolidated
Revenue ¥-5.0 billion Consolidated
Revenue ¥-14.5 billion Consolidated
Revenue ¥1.0 billion Consolidated
Revenue ¥0.4 billion Consolidated
Revenue ¥2.9 billion Consolidated
Change in average annual salary from the previous year 3.4% Parent only
Revenue ¥19.6 billion Parent only
Revenue ¥2.8 billion Parent only

Balance sheet (152 items)

ItemValueConsolidated / Non-consolidated
Other ¥0.5 billion Consolidated
Valuation difference on available-for-sale securities ¥-15.2 billion Consolidated
Other liabilities liabilities bnk ¥659.1 billion Consolidated
Other assets ¥516.0 billion Consolidated
Other, net ¥8.1 billion Consolidated
Goodwill ¥4.8 billion Consolidated
Goodwill ¥4.8 billion Consolidated
Call money and bills sold liabilities bnk ¥443.6 billion Consolidated
Call loans and bills bought assets bnk ¥55.0 billion Consolidated
Software ¥48.1 billion Consolidated
Lease receivables and investment assets ¥324.8 billion Consolidated
Borrowed money liabilities bnk ¥2,178.1 billion Consolidated
Payables under securities lending transactions liabilities bnk ¥383.9 billion Consolidated
Receivables under securities borrowing transactions assets bnk ¥570.5 billion Consolidated
Provision for loss on interest repayment ¥15.2 billion Consolidated
Retained earnings ¥589.9 billion Consolidated
Accounts receivable installment ¥1,384.0 billion Consolidated
Land ¥1.5 billion Consolidated
Payables under repurchase agreements liabilities bnk ¥879.3 billion Consolidated
Foreign exchanges liabilities bnk ¥2.4 billion Consolidated
Foreign exchanges assets bnk ¥54.0 billion Consolidated
Buildings, net ¥9.2 billion Consolidated
Construction in progress ¥0.4 billion Consolidated
Provision for directors' bonuses ¥18.00 million Consolidated
Provision for directors' retirement benefits ¥0.1 billion Consolidated
Acceptances and guarantees ¥802.8 billion Consolidated
Customers' liabilities for acceptances and guarantees ¥802.8 billion Consolidated
Subscription rights to shares ¥8.00 million Consolidated
Securities ¥4,005.5 billion Consolidated
Property, plant and equipment ¥59.3 billion Consolidated
Shareholders' equity ¥1,175.9 billion Consolidated
Accumulated depreciation ¥-72.5 billion Consolidated
Foreign currency translation adjustment ¥3.5 billion Consolidated
Intangible assets ¥56.6 billion Consolidated
Trading liabilities liabilities bnk ¥395.2 billion Consolidated
Trading assets assets bnk ¥451.3 billion Consolidated
Cash and cash equivalents ¥4,623.6 billion Consolidated
Cash and due from banks assets bnk ¥4,787.5 billion Consolidated
Short-term bonds ¥105.5 billion Consolidated
Bonds payable ¥243.7 billion Consolidated
Net assets ¥1,233.0 billion Consolidated
Net assets ¥1,233.0 billion Consolidated
Total assets ¥24,741.4 billion Consolidated
Deferred gains or losses on hedges ¥41.1 billion Consolidated
Deferred tax liabilities ¥18.0 billion Consolidated
Deferred tax assets ¥29.6 billion Consolidated
Treasury stock ¥-6.3 billion Consolidated
Valuation and translation adjustments ¥49.2 billion Consolidated
Negotiable certificates of deposit liabilities bnk ¥4,336.8 billion Consolidated
Liabilities ¥23,508.3 billion Consolidated
Liabilities and net assets ¥24,741.4 billion Consolidated
Monetary claims bought assets bnk ¥289.6 billion Consolidated
Allowance for doubtful accounts ¥-149.1 billion Consolidated
Loans and bills discounted assets bnk ¥10,945.6 billion Consolidated
Capital surplus ¥413.8 billion Consolidated
Capital stock ¥178.5 billion Consolidated
Provision for bonuses ¥12.5 billion Consolidated
Remeasurements of defined benefit plans ¥19.8 billion Consolidated
Net defined benefit liability ¥7.1 billion Consolidated
Net defined benefit asset ¥51.7 billion Consolidated
Money held in trust ¥506.4 billion Consolidated
Non-controlling interests ¥7.9 billion Consolidated
Deposit ¥13,021.7 billion Consolidated
Other ¥6.00 million Parent only
Other securities investment securities assets bnk ¥3,202.9 billion Parent only
Other current liabilities ¥42.1 billion Parent only
Other current assets ¥44.9 billion Parent only
Other deposits ¥850.7 billion Parent only
Other retained earnings ¥431.4 billion Parent only
Valuation difference on available-for-sale securities ¥-17.0 billion Parent only
Other liabilities liabilities bnk ¥351.9 billion Parent only
Other capital surplus ¥282.5 billion Parent only
Other assets ¥388.3 billion Parent only
Other, net ¥3.7 billion Parent only
Call money liabilities bnk ¥443.6 billion Parent only
Call loan ¥55.0 billion Parent only
Software ¥19.6 billion Parent only
Lease assets ¥0.4 billion Parent only
Borrowings ¥1,650.7 billion Parent only
Borrowed money liabilities bnk ¥1,650.7 billion Parent only
Payables under securities lending transactions liabilities bnk ¥383.9 billion Parent only
Receivables under securities borrowing transactions assets bnk ¥570.5 billion Parent only
Initial margins of futures markets other assets assets bnk ¥1.8 billion Parent only
Variation margins of futures markets other liabilities liabilities bnk ¥0.1 billion Parent only
Retained earnings ¥458.3 billion Parent only
Legal retained earnings ¥26.9 billion Parent only
Unearned revenue ¥9.7 billion Parent only
Prepaid pension cost ¥16.3 billion Parent only
Prepaid expenses ¥8.9 billion Parent only
Government bonds investment securities assets bnk ¥603.3 billion Parent only
Local government bonds investment securities assets bnk ¥2.2 billion Parent only
Payables under repurchase agreements liabilities bnk ¥879.3 billion Parent only
Due from foreign banks our accounts foreign exchanges assets bnk ¥54.0 billion Parent only
Foreign exchanges liabilities bnk ¥2.4 billion Parent only
Foreign exchanges assets bnk ¥54.0 billion Parent only
Short term time deposits ¥6,338.0 billion Parent only
Buildings, net ¥5.5 billion Parent only
Construction in progress ¥74.00 million Parent only
Overdrafts loans and bills discounted assets bnk ¥1,312.7 billion Parent only
Current deposits deposits liabilities bnk ¥217.9 billion Parent only
Loans on bills loans and bills discounted assets bnk ¥14.8 billion Parent only
Acceptances and guarantees ¥118.8 billion Parent only
Customers' liabilities for acceptances and guarantees ¥118.8 billion Parent only
Subscription rights to shares ¥8.00 million Parent only
Ordinary deposits deposits liabilities bnk ¥5,678.9 billion Parent only
Securities ¥4,322.9 billion Parent only
Property, plant and equipment ¥9.2 billion Parent only
Accrued income ¥42.2 billion Parent only
Foreign bills payable foreign exchanges liabilities bnk ¥2.4 billion Parent only
Income taxes payable ¥3.5 billion Parent only
Accrued expenses ¥45.9 billion Parent only
Shareholders' equity ¥1,051.0 billion Parent only
Shares ¥355.3 billion Parent only
Intangible assets ¥20.0 billion Parent only
Derivatives of securities related to trading transactions trading assets assets bnk ¥95.00 million Parent only
Trading liabilities liabilities bnk ¥393.2 billion Parent only
Trading assets assets bnk ¥451.2 billion Parent only
Trading related financial derivatives trading liabilities liabilities bnk ¥393.2 billion Parent only
Trading related financial derivatives trading assets assets bnk ¥451.1 billion Parent only
Cash ¥3.6 billion Parent only
Cash and due from banks assets bnk ¥4,686.6 billion Parent only
Provision for reimbursement of deposits liabilities bnk ¥0.6 billion Parent only
Bonds payable ¥159.2 billion Parent only
Net assets ¥1,065.3 billion Parent only
Net assets ¥1,065.3 billion Parent only
Total assets ¥22,732.7 billion Parent only
Deferred gains or losses on hedges ¥31.2 billion Parent only
Deferred tax liabilities ¥7.7 billion Parent only
Retained earnings brought forward ¥431.4 billion Parent only
Treasury stock ¥-6.3 billion Parent only
Loans on deeds loans and bills discounted assets bnk ¥10,066.7 billion Parent only
Valuation and translation adjustments ¥14.3 billion Parent only
Negotiable certificates of deposit liabilities bnk ¥4,336.8 billion Parent only
Liabilities ¥21,667.4 billion Parent only
Liabilities and net assets ¥22,732.7 billion Parent only
Monetary claims bought assets bnk ¥250.4 billion Parent only
Allowance for doubtful accounts ¥-42.1 billion Parent only
Loans and bills discounted assets bnk ¥11,394.2 billion Parent only
Capital surplus ¥420.5 billion Parent only
Legal capital surplus ¥138.0 billion Parent only
Capital stock ¥178.5 billion Parent only
Asset retirement obligations ¥6.5 billion Parent only
Provision for bonuses ¥6.5 billion Parent only
Provision for retirement benefits ¥73.00 million Parent only
Deposits at notice deposits liabilities bnk ¥3.5 billion Parent only
Cash collateral received for financial instruments liabilities ¥58.4 billion Parent only
Cash collateral paid for financial instruments assets ¥125.5 billion Parent only
Derivatives other than for trading liabilities other liabilities bnk ¥185.7 billion Parent only
Derivatives other than for trading assets other assets bnk ¥145.3 billion Parent only
Money held in trust ¥437.3 billion Parent only
Deposit from customer ¥4,683.0 billion Parent only
Deposit ¥13,089.1 billion Parent only

Statement of income (135 items)

ItemValueConsolidated / Non-consolidated
Other ¥0.3 billion Consolidated
Other ¥77.00 million Consolidated
Other comprehensive income ¥77.1 billion Consolidated
Other interest income oibnk ¥6.1 billion Consolidated
Other interest expenses oebnk ¥33.4 billion Consolidated
Other other income oibnk ¥53.2 billion Consolidated
Other other expenses oebnk ¥8.1 billion Consolidated
Valuation difference on available for sale securities net of tax ¥26.3 billion Consolidated
Other ordinary income oibnk ¥235.8 billion Consolidated
Other ordinary expenses oebnk ¥172.4 billion Consolidated
Other income ¥61.2 billion Consolidated
Other expenses ¥52.1 billion Consolidated
Interest on call money and bills sold oebnk ¥3.7 billion Consolidated
Interest on call loans and bills bought oibnk ¥0.9 billion Consolidated
Interest on borrowings and rediscounts oebnk ¥8.5 billion Consolidated
Interest on receivables under securities borrowing transactions oibnk ¥1.2 billion Consolidated
Interest on payables under securities lending transactions oebnk ¥8.4 billion Consolidated
Recoveries of written off receivables ¥8.1 billion Consolidated
Dividends from surplus ¥-43.7 billion Consolidated
Comprehensive income ¥190.1 billion Consolidated
Net cash provided by (used in) operating activities ¥1,914.1 billion Consolidated
General and administrative expenses oebnk ¥177.7 billion Consolidated
Loss on disposal of noncurrent assets ¥0.1 billion Consolidated
Gain on sale of fixed assets ¥1.00 million Consolidated
Interest on payables under repurchase agreements oebnk ¥18.8 billion Consolidated
Net income ¥113.4 billion Consolidated
Net income ¥113.4 billion Consolidated
Net income (loss) ¥113.0 billion Consolidated
Net income (loss) ¥113.0 billion Consolidated
Fees and commissions oibnk ¥92.3 billion Consolidated
Fees and commissions payments oebnk ¥37.1 billion Consolidated
Net cash provided by (used in) investing activities ¥-1,189.3 billion Consolidated
Share of other comprehensive income of investments accounted for using equity method ¥2.1 billion Consolidated
Issuance of new shares ¥77.0 billion Consolidated
Interest and dividends on securities oibnk ¥90.9 billion Consolidated
Income taxes - current ¥23.5 billion Consolidated
Income taxes ¥9.1 billion Consolidated
Income taxes - deferred ¥-14.4 billion Consolidated
Impairment loss ¥1.7 billion Consolidated
Foreign currency translation adjustment net of tax ¥1.6 billion Consolidated
Extraordinary income ¥0.6 billion Consolidated
Extraordinary loss ¥1.9 billion Consolidated
Trading income oibnk ¥18.4 billion Consolidated
Effect of exchange rate change on cash and cash equivalents ¥-0 Consolidated
Net increase (decrease) in cash and cash equivalents ¥851.8 billion Consolidated
Interest on short term bonds ¥0.9 billion Consolidated
Interest on bonds ¥10.1 billion Consolidated
Income (loss) before income taxes ¥122.1 billion Consolidated
Income (loss) before income taxes ¥122.1 billion Consolidated
Ordinary income ¥123.4 billion Consolidated
Ordinary revenue ¥774.1 billion Consolidated
Ordinary expenses bnk ¥650.7 billion Consolidated
Deferred gains or losses on hedges net of tax ¥39.7 billion Consolidated
Disposal of treasury stock ¥46.5 billion Consolidated
Comprehensive income attributable to owners of parent ¥190.5 billion Consolidated
Interest on negotiable certificates of deposit oebnk ¥26.5 billion Consolidated
Gain on bargain purchase ¥0.3 billion Consolidated
Net cash provided by (used in) financing activities ¥127.0 billion Consolidated
Provision of allowance for doubtful accounts ¥44.1 billion Consolidated
Interest on loans and discounts oibnk ¥242.3 billion Consolidated
Financing expenses ¥211.4 billion Consolidated
Interest income ¥366.3 billion Consolidated
Remeasurements of defined benefit plans net of tax ¥7.5 billion Consolidated
Decrease in cash and cash equivalents resulting from exclusion of subsidiaries from consolidation ¥-0.1 billion Consolidated
Changes in equity of parent from transaction of non controlling interest ¥-0.2 billion Consolidated
Comprehensive income attributable to non-controlling interests ¥-0.4 billion Consolidated
Net income (loss) attributable to non-controlling interests ¥-0.4 billion Consolidated
Interest on deposits with banks oibnk ¥25.0 billion Consolidated
Interest on deposits oebnk ¥101.0 billion Consolidated
Other ¥2.1 billion Parent only
Other ¥1.1 billion Parent only
Other interest income oibnk ¥4.8 billion Parent only
Other fees and commissions oibnk ¥45.3 billion Parent only
Other fees and commissions oebnk ¥25.8 billion Parent only
Other interest expenses oebnk ¥1.6 billion Parent only
Other other ordinary income oibnk ¥94.00 million Parent only
Other other operating expenses oebnk ¥2.3 billion Parent only
Other other income oibnk ¥0.8 billion Parent only
Other other expenses oebnk ¥0.5 billion Parent only
Other ordinary income oibnk ¥3.7 billion Parent only
Other ordinary expenses oebnk ¥42.5 billion Parent only
Other income ¥30.6 billion Parent only
Other expenses ¥5.4 billion Parent only
Interest on call money oebnk ¥3.7 billion Parent only
Interest on call loans oibnk ¥0.9 billion Parent only
Interest on borrowings and rediscounts oebnk ¥3.7 billion Parent only
Interest on receivables under securities borrowing transactions oibnk ¥1.2 billion Parent only
Interest on payables under securities lending transactions oebnk ¥8.4 billion Parent only
Recoveries of written off receivables ¥0.2 billion Parent only
Dividends from surplus ¥-43.7 billion Parent only
Fees and commissions on domestic and foreign exchanges oibnk ¥0.8 billion Parent only
General and administrative expenses oebnk ¥81.1 billion Parent only
Loss on disposal of noncurrent assets ¥87.00 million Parent only
Gain on sale of fixed assets ¥0 Parent only
Loss on sales of bonds oebnk ¥15.1 billion Parent only
Gains on sales of bonds oibnk ¥2.5 billion Parent only
Interest on payables under repurchase agreements oebnk ¥18.8 billion Parent only
Loss on foreign exchange transactions oebnk ¥25.1 billion Parent only
Net income (loss) ¥55.1 billion Parent only
Net income (loss) ¥55.1 billion Parent only
Fees and commissions oibnk ¥46.1 billion Parent only
Fees and commissions payments oebnk ¥26.7 billion Parent only
Fees and commissions on domestic and foreign exchanges oebnk ¥0.9 billion Parent only
Issuance of new shares ¥77.0 billion Parent only
Interest and dividends on securities oibnk ¥101.3 billion Parent only
Losses on devaluation of stocks and other securities ¥0.4 billion Parent only
Losses on sales of stocks and other securities oebnk ¥0 Parent only
Gain on sales of stocks and other securities oibnk ¥22.8 billion Parent only
Income taxes - current ¥11.1 billion Parent only
Income taxes ¥13.2 billion Parent only
Income taxes - deferred ¥2.1 billion Parent only
Impairment loss ¥1.3 billion Parent only
Extraordinary income ¥2.1 billion Parent only
Extraordinary loss ¥2.4 billion Parent only
Trading income oibnk ¥19.2 billion Parent only
Income from securities and derivatives related to trading transactions oibnk ¥0.6 billion Parent only
Income from trading related financial derivatives transactions oibnk ¥18.6 billion Parent only
Interest on bonds ¥29.00 million Parent only
Amortization of bond issuance cost ¥5.00 million Parent only
Income (loss) before income taxes ¥68.3 billion Parent only
Ordinary income ¥68.6 billion Parent only
Ordinary revenue ¥418.4 billion Parent only
Ordinary expenses bnk ¥349.7 billion Parent only
Disposal of treasury stock ¥46.5 billion Parent only
Interest on negotiable certificates of deposit oebnk ¥26.5 billion Parent only
Provision of allowance for doubtful accounts ¥4.5 billion Parent only
Written off of loans oebnk ¥0 Parent only
Interest on loans and discounts oibnk ¥186.0 billion Parent only
Financing expenses ¥194.1 billion Parent only
Interest income ¥318.8 billion Parent only
Interest on interest swaps oebnk ¥30.2 billion Parent only
Income from derivatives other than for trading or hedging oibnk ¥1.1 billion Parent only
Gain on money held in trust oibnk ¥6.7 billion Parent only
Interest on deposits with banks oibnk ¥24.6 billion Parent only
Interest on deposits oebnk ¥101.2 billion Parent only

Statement of changes in equity (4 items)

ItemValueConsolidated / Non-consolidated
Total changes during the period ¥273.8 billion Consolidated
Net changes in items other than shareholders' equity ¥81.2 billion Consolidated
Total changes during the period ¥199.5 billion Parent only
Net changes in items other than shareholders' equity ¥64.7 billion Parent only

Statement of cash flows (49 items)

ItemValueConsolidated / Non-consolidated
Other ¥34.5 billion Consolidated
Other ¥-1.0 billion Consolidated
Increase decrease in other provision ¥1.00 million Consolidated
Amortization of goodwill ¥1.0 billion Consolidated
Net increase decrease in call money ope cfbnk ¥780.7 billion Consolidated
Net decrease increase in call loans ope cfbnk ¥40.7 billion Consolidated
Net decrease increase in lease receivables and investment assets ope cfbnk ¥-35.7 billion Consolidated
Net increase decrease in borrowed money excluding subordinated borrowings ope cfbnk ¥537.6 billion Consolidated
Net increase decrease in payables under securities lending transactions ope cfbnk ¥-92.8 billion Consolidated
Net decrease increase in receivables under securities borrowing transactions ope cfbnk ¥-570.5 billion Consolidated
Increase (decrease) in provision for loss on interest repayment ¥-5.3 billion Consolidated
Loss (gain) on disposal of non-current assets ¥0.1 billion Consolidated
Subtotal ¥1,934.2 billion Consolidated
Equity in earnings losses of affiliates ¥-9.5 billion Consolidated
Proceeds from issuance of subscription rights to shares ¥8.00 million Consolidated
Proceeds from redemption of securities ¥1,301.9 billion Consolidated
Purchase of securities inv cfbnk ¥-2,897.4 billion Consolidated
Proceeds from sales of securities inv cfbnk ¥451.7 billion Consolidated
Loss gain related to securities ope cfbnk ¥-12.5 billion Consolidated
Proceeds from issuance of common stock ¥77.0 billion Consolidated
Income taxes paid ¥-20.0 billion Consolidated
Foreign exchange loss (gain) ¥-139.7 billion Consolidated
Net increase decrease in trading liabilities ope cfbnk ¥171.1 billion Consolidated
Net decrease increase in trading assets ope cfbnk ¥-181.6 billion Consolidated
Net increase decrease in short term corporate bonds ope cfbnk ¥23.5 billion Consolidated
Proceeds from sales of treasury stock ¥46.5 billion Consolidated
Net increase decrease in negotiable certificates of deposit ope cfbnk ¥1,181.3 billion Consolidated
Gain on bargain purchase ¥-0.3 billion Consolidated
Net decrease increase in monetary claims bought ope cfbnk ¥-0.3 billion Consolidated
Increase decrease in allowance for loan losses ope cfbnk ¥4.2 billion Consolidated
Net decrease increase in loans and bills discounted ope cfbnk ¥-1,426.4 billion Consolidated
Repayments of financing ¥-198.6 billion Consolidated
Financing expenses ¥211.4 billion Consolidated
Proceeds from fund management ope cfbnk ¥348.6 billion Consolidated
Interest income ¥-366.3 billion Consolidated
Increase (decrease) in provision for bonuses ¥1.1 billion Consolidated
Increase (decrease) in net defined benefit liability ¥-0.8 billion Consolidated
Inorease (decrease) in asset for retirement benefits ¥-14.5 billion Consolidated
Payments for acquisition in subsidiaries resulting in change in scope of consolidation ¥-0.7 billion Consolidated
Proceeds from sales of shares of subsidiaries resulting in change in scope of consolidation ¥0.3 billion Consolidated
Payments from changes in ownership interests in subsidiaries that do not result in change in scope of consolidation ¥-11.00 million Consolidated
Proceeds from changes in ownership interests in subsidiaries that do not result in change in scope of consolidation ¥5.2 billion Consolidated
Dividends ¥-1.8 billion Consolidated
Payments for money held in trust inv cfbnk ¥-371.7 billion Consolidated
Loss (gain) on money held in trust ¥-7.8 billion Consolidated
Proceeds from share issuance to non controlling shareholders ¥52.00 million Consolidated
Dividends paid to non-controlling interests ¥-10.00 million Consolidated
Net decrease increase in deposit excluding cash equivalent ope cfbnk ¥-19.1 billion Consolidated
Net increase decrease in deposit ope cfbnk ¥1,510.5 billion Consolidated
Basic indicators
ItemValueConsolidated / Non-consolidatedSource
Net cash provided by (used in) operating activities ¥1,914.1 billion ConsolidatedDisclosed
Dividend per share 42 Parent onlyDisclosed
Number of employees 5,828 ConsolidatedDisclosed
Net assets ¥1,233.0 billion ConsolidatedDisclosed
Ordinary income ¥123.4 billion ConsolidatedDisclosed
Net income ¥113.4 billion ConsolidatedDisclosed
Total assets ¥24,741.4 billion ConsolidatedDisclosed
Operating margin Not disclosedNot applicableNot calculated (a required value is not disclosed)
Net margin Not disclosedNot applicableNot calculated (a required value is not disclosed)
Sales per employee Not disclosedNot applicableNot calculated (a required value is not disclosed)
Total asset turnover Not disclosedNot applicableNot calculated (a required value is not disclosed)
Net assets to total assets 5.0%ConsolidatedCalculated
How to read the figures, and caveats

Terms

  • Consolidated: the parent company together with the subsidiaries it consolidates
  • Parent-only: the single company that filed the annual securities report
  • Calculated: a disclosed figure put through the formula shown
  • Not disclosed: no such value in the filing (not treated as zero)
  • Not retrieved: a value this page could not extract, including values in the filing that could not be matched. The same item may appear in another table
  • Segment: a business division the company uses in its disclosures
  • Industry median: the middle value among companies in the same industry that disclose the item
  • ★: position when every company is lined up by value (not a judgement of the company)See the formulas
  • Source: document name, period covered, filing date and where it was obtained
  • Tables scroll sideways

Key figures

  • Net assets to total assets 5%　Net assets ÷ total assets 　＝ ¥1,233.0 billion ÷ ¥24,741.4 billion
    Net assets ÷ total assets. The denominator is Total assets (Consolidated, Japanese GAAP).

Company details

  • Representative　President, Representative Director, gBizINFO
  • Consolidated subsidiaries　Annual Securities Report

Business activities and revenue composition

  • Breakdown by business: machine transcription of segment information (business divisions used in disclosures) in the annual securities report. No table where segment sales differ from the disclosed total by more than 1%, or where the company reports a single business

Amounts by account

  • Totals and their component lines together; consolidated and parent-only figures mixed (right-hand column)

Finance

  • Net assets to total assets　Net assets ÷ total assets
  • Return on assets (ROA)　Net income ÷ total assets (consolidated)
  • Net assets per share　Consolidated
  • Free cash flow　Free cash flow: operating cash flow (cash generated by the business) plus investing cash flow (asset purchases, disposals and other investments), consolidated
  • Total assets　Consolidated
  • Goodwill (the part of the acquisition price above the net assets acquired)　0% of net assets (consolidated)

Capital allocation

  • ★: position when all companies are sorted by value and cut into fifths (a position, not a rating). The five items with ★: only where both numerator and denominator are available on a consolidated basisSee the formulas
  • Return to shareholders　(dividends paid + purchase of treasury stock) ÷ net cash provided by operating activities。Dividends paid ¥1.8 billion (no treasury stock purchase disclosed), over operating cash flow ¥1,914.1 billion
  • Extraordinary gains and losses relative to ordinary profit　(extraordinary income − extraordinary loss) ÷ ordinary income。Extraordinary income ¥0.6 billion − extraordinary loss ¥1.9 billion, over ordinary income ¥123.4 billion

Year-on-year comparison

  • Year on year: calculated only where the item, reporting range and accounting standard match and the periods are consecutive
  • Comparison basis not confirmed: periods with a change of accounting standard or reporting range, a moved fiscal year end, or an unconfirmed period
  • ◆: a period where revenue moved 20% or more from the prior year, profit as a share of revenue moved 2.0 percentage points or more, or profit or loss changed sign. Item used named in the table and list. Not a ranking of companies

Earnings and net assets per share over time

  • Earnings per share = net profit ÷ shares; net assets per share = net assets ÷ shares. Disclosed values from the key financial indicators of the annual securities report. No share prices used

Return on equity over time

  • Return on equity (ROE): net profit as a proportion of equity. For Japanese companies, the disclosed value in the key financial indicators of the annual securities report (decimals converted to percentages)

Dividend history

  • Payout ratio: dividends as a proportion of net profit. Dividend amounts and payout ratios: the reporting company’s parent-only disclosed values (as written in the annual securities report, not recalculated from consolidated profit). Consecutive increases: years in a row, from the latest backwards, in which the annual dividend per share rose. Consecutive years with a dividend: years in a row with an annual dividend per share above zero. Both this site’s own count (not the criteria of any published index). A year with no disclosure not read as zero; counting stops there. Range limited to the years listed above. Flagged 4 years: a note about a stock split or share consolidation, or a period other than 12 months. No calculation across those years, as the dividend per share may rest on a different share base.

Share ownership by holder category

  • Source: ownership table, annual securities report. Percentages as disclosed, calculated on trading units (some companies do not total exactly 100%). Foreign holders (total): institutions and individuals combined. “Individuals and others”: a register category (not necessarily the share actually held by individuals). Industry median: the middle value among companies in Banks that disclose the item (industries with at least 5 companies only).

Major shareholders

  • Source: major shareholders table, annual securities report. Trust bank holdings as written (whose trust is not disclosed)

Research and development expenses and capital expenditure

  • Research and development: total in the R&D section of the annual securities report. Capital expenditure: this year’s actual spending in the capital expenditure overview (not a plan). Years: only those available in the annual securities reports on hand (one to four per company); no row for other years.

Workforce information

  • All four: the reporting company (parent-only), as disclosed in the employee section of the annual securities report. Employees across the consolidated group: 5,828 (a different scope, kept apart from the four above). Industry median: the middle value among companies in Banks that disclose the item (industries with at least 5 companies only).

People and organisation

  • Wage gap between men and women　Women's pay with men's pay set to 100, reporting company
  • Women in managerial positions　Reporting company (parent only)
  • Share of female employees　gBizINFO, covering その他
  • Men taking childcare leave　Reporting company (parent only)
  • Average length of service by gender　gBizINFO, covering その他
  • Employees by gender　gBizINFO
  • Average temporary staff　Consolidated, average headcount other than regular employees

Workplace information filings

  • Source: processed from Shokuba-labo, the workplace information site of the Ministry of Health, Labour and Welfare. Items the company filed only Shokuba-labo

Greenhouse gas emissions

  • Source: processed from the Ministry of the Environment’s greenhouse gas calculation, reporting and disclosure system (EEGS). Companies required to report only Ministry of the Environment (EEGS)

Audit and disclosure information

  • Whether there is a going concern note (the accounting assumption that a company will continue operating), and audit information
  • Audit firm, audit fees, going concern note and accounting standard: facts written in the latest annual securities report and the audit report filed with it (not a judgement of the company). Going concern note: “note” when the note text is present, “not applicable” when the report states nothing to report, “cannot be determined” when neither appears. Note text not reproduced. Amended filings not shown (annual securities reports only)

Data sources and calculation methods

Primary source: the annual securities report of SBI Shinsei Bank, Limited on EDINET, the FSA’s disclosure system (free to read)
Corporate number: 7010001016855 / Accounting standard: Japanese GAAP

  • Amounts: machine transcription of EDINET XBRL (no manual re-keying). Long narrative notes are text and not in the account list. Identifiers: machine transcription of the EDINET code list (retrieved 2026-08-22)
  • ★: position of the value calculated from disclosed figures among the 4,240 companies on this site, on a five-step scale. Not a judgement of the company. No forecasts usedThe formulas and how they are counted
  • No rank: net assets as a share of total assets, cash conversion and revenue per employee (size alone does not show quality). Industry median shown for comparison. Cash conversion of 100%: operating cash flow equal to operating profit
  • Profit-and-loss chart: only where “sales − cost of sales − SG&A = operating income” holds between disclosed values. Cost breakdown: the six largest SG&A items
  • Trend charts: key financial indicators of the annual securities report. Amounts in billions of yen (dividend per share in yen). Long-run chart joins reports filed in different years (newer report for overlapping years). Some items stop part-way after a change of accounting standard. A stock split changes the weight of one share. Consolidated and parent-only in separate tables
  • Revenue scale in the same industry: bars of revenue (disclosed values) of companies in the same industry grouping as the industry pages, largest first. Only the top three and the two companies either side of this one. Each company’s latest fiscal year. An order of size, not a ranking of quality or an investment view
  • Share prices: not published (no data source allows redistribution). No share-price-based indicators (such as the price earnings ratio) and no extension of past growth into the future
  • Average age, average length of service and average annual salary: the reporting company alone (the parent). At a holding company, a small head-office staff. Payout ratio (basic facts): dividend per share ÷ consolidated earnings per share, calculated here (the payout ratio in the annual securities report is the reporting company’s figure, on a different basis). Representative and founding date: gBizINFO (Ministry of Economy, Trade and Industry), some companies only
  • “Retrieved disclosed figures”: every value readable as a number from the annual securities report. Company-wide values only (no segment or other breakdowns)
  • Segment table: machine transcription of the segment information in the annual securities report. Business names as labelled by the company in its XBRL. No table where segment sales differ from the disclosed total by more than 1%. Adjustments, corporate, eliminations and “other” left out of the table and the share denominator, as they are not businesses
  • Breakdowns of amounts, not diagrams of how the business works. Who pays whom, and for what, is not in the disclosed figures; no lines drawn from guesswork