# The Ogaki Kyoritsu Bank, Ltd.: business model and financials

> Latest period: FY ending Mar 2026, consolidated, J-GAAP
> Unit: JPY millions
> Sources: 有価証券報告書－第214期(2025/04/01－2026/03/31) (S100YELN)
> Page: https://vizora.meequs.com/en/company/ogaki-kyoritsu-bank
> Retrieved: 2026-09-30T21:15:54.896Z

## Company

The Ogaki Kyoritsu Bank, founded in 1896, is a company in Regional Banks listed on TSE Prime. It has 2,959 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | The Ogaki Kyoritsu Bank, Ltd. |
| Ticker | 8361 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8361.T) |
| Listing | TSE Prime |
| Head office | 岐阜県大垣市郭町3丁目98番地 |
| Representative (per filing) | 取締役頭取 林 敬治 |
| Founded | Mar 1896 |
| Employees (consolidated) | 2,959 |
| Average salary (parent only) | ¥6.8M |
| Fiscal year end | March |
| Website | www.okb.co.jp (https://www.okb.co.jp/) |
| Corporate number | 7200001013379 |
| EDINET | E03568 |
| Industries (Vizora) | Regional Banks, Credit Cards & Consumer Credit, Leasing |

> Profile source: annual securities report (S100YELN, filed 2026-06-19). As of filing

## Key points (generated from figures)

- About 70% of The Ogaki Kyoritsu Bank's ordinary revenue comes from BNK, with LEA and Other making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥13 is left as ordinary profit.
- Ordinary revenue changed +34.4% from the prior year, ordinary profit +6.4%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥176.6B |  |
| Ordinary income | ¥22.1B | Margin 12.5% |
| Net income | ¥19.4B | Margin 11.0% |
| Employees (consolidated) | 2,959 |  |
| EPS | ¥449.72 |  |
| Diluted EPS | ¥448.93 |  |
| Book value per share | ¥7894.51 |  |
| Equity ratio | 5.4% |  |
| Shares outstanding | 41,281,000 |  |
| Treasury shares | 198,500 |  |
| Shareholders | 17,752 |  |
| Average salary (parent only) | ¥6.8M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥116425000000 | ¥176576000000 | +51.7% |
| Employees | 3,409 people | 2,959 people | -13.2% |
| Cash and equivalents | ¥1481625000000 | ¥833319000000 | -43.8% |

### Change in segment revenue mix

Span: FY ending Mar 2021 → FY ending Mar 2026. Stable segment keys are connected; unmatched shares are marked as new or reorganized. Shares use total segment revenue.

| Flow | Revenue share |
| --- | ---: |
| 銀行業 → 銀行業 | 60.4% |
| リース業 → リース業 | 24.4% |
| リース業 → 事業再編・廃止 | 8.6% |
| 信用保証業 → 信用保証業 | 0.9% |
| 信用保証業 → 事業再編・廃止 | 0.8% |
| その他 → その他 | 4.4% |
| その他 → 事業再編・廃止 | 0.5% |
| 新設・再編 → 銀行業 | 9.9% |

Segment revenue source references: 8 (derived)

## Business growth × margin

X-axis: segment revenue CAGR. Y-axis: latest operating margin. Bubble size: latest revenue. CAGR requires at least two comparable years.

| Segment | CAGR span | Revenue CAGR | Latest revenue | Operating margin | Source refs |
| --- | ---: | ---: | ---: | ---: | ---: |
| BNK | 5 years | +12.0% | ¥124110000000 | 16.3% | 2 |
| LEA | 5 years | +2.3% | ¥43132000000 | 5.1% | 2 |
| Other | 5 years | +6.4% | ¥7757000000 | 29.0% | 2 |
| Credit Guarantees | 5 years | -4.4% | ¥1576000000 | 85.0% | 2 |

## Income statement（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 176,576 | 100.0% | S100YELN |
| Ordinary expenses | 154,444 | 87.5% | S100YELN |
| Ordinary income | 22,132 | 12.5% | S100YELN |
| Extraordinary income | 5,613 | 3.2% | S100YELN |
| Extraordinary loss | 1,128 | 0.6% | S100YELN |
| Pretax income | 26,616 | 15.1% | S100YELN |
| Income tax | 7,233 | 4.1% | S100YELN |
| Net income | 19,382 | 11.0% | S100YELN |
| Net income attributable to owners | 19,382 | 11.0% | S100YELN |

## Per ¥100 of revenue（FY ending Mar 2026）

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 87 |
| Ordinary income | 13 |
| (Ref.) Net income | 11 |

### Margin funnel

Ordinary margin 12.5% → Net margin 11.0%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +34.4%; Core profit growth: +6.4%
Growth quality: revenue-led
Operating leverage (core profit growth ÷ revenue growth): 0.19×
Calculated from comparable annual consolidated filings.

## Year over year（FY ending Mar 2025 → FY ending Mar 2026、JPY mn）

| Metric | Prior | Current | Change | % change |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 131,360 | 176,576 | 45,216 | +34.4% |
| Net income attributable to owners | 14,718 | 19,382 | 4,664 | +31.7% |
| Operating cash flow | 9,913 | 10,732 | 819 | +8.3% |
| Free cash flow | 5,896 | 7,334 | 1,438 | +24.4% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 122,269 | — | — | 12,161 | 147,785 | — | S100LM5A |
| FY ending Mar 2018 | 114,668 | — | — | 9,673 | -83,638 | — | S100OBP8 |
| FY ending Mar 2019 | 117,051 | — | — | 6,861 | -29,773 | — | S100QZ2P |
| FY ending Mar 2020 | 115,303 | — | — | 5,498 | 102,303 | 99,029 | S100LM5A |
| FY ending Mar 2021 | 116,425 | — | — | 8,011 | 1,315,246 | 1,312,509 | S100OBP8 |
| FY ending Mar 2022 | 115,400 | — | — | 10,620 | 295,315 | 291,456 | S100QZ2P |
| FY ending Mar 2023 | 122,762 | — | — | 4,825 | -1,243,066 | -1,247,680 | S100TNH2 |
| FY ending Mar 2024 | 134,138 | — | — | 9,471 | -112,503 | -117,999 | S100W0WN |
| FY ending Mar 2025 | 131,360 | — | — | 14,718 | 9,913 | 5,896 | S100YELN |
| FY ending Mar 2026 | 176,576 | — | — | 19,382 | 10,732 | 7,334 | S100YELN |

## People and productivity（FY ending Mar 2026, consolidated, J-GAAP）

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥59.7M |
| Net income per employee (consolidated) | ¥6.6M |

Employees, revenue and profit are consolidated. Average annual salary is a separate parent-company figure. Calculated from disclosed figures (DERIVED).

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 3,257 | 3,143 | 3,023 | 2,960 | 2,959 |
| Average salary (parent company) | ¥6.2M | ¥6.3M | ¥6.4M | ¥6.6M | ¥6.8M |
| Average age (parent company) | 38.1 years | 38.7 years | 39.1 years | 39.2 years | 39.2 years |
| Average tenure (parent company) | 15.5 years | 16.1 years | 16.5 years | 16.6 years | 16.6 years |

Year over year: Employees (consolidated) -0.0% · Revenue (consolidated) +34.4%

## Segments（FY ending Mar 2026, consolidated, J-GAAP、JPY mn）

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| BNK | 124,110 | 70.3% | 20,264 | 16.3% |
| LEA | 43,132 | 24.4% | 2,221 | 5.1% |
| Credit Guarantees | 1,576 | 0.9% | 1,340 | 85.0% |
| Other | 7,757 | 4.4% | 2,253 | 29.0% |

### segmentMix — Revenue and profit mix

Calculated from disclosed figures (DERIVED). Shares use total segment revenue and total positive segment profit respectively. Difference = profit share − revenue share (pt). Inter-segment sales may prevent reconciliation to company revenue.

| Segment | Revenue share |
| --- | ---: |
| BNK | 70.3% |
| LEA | 24.4% |
| Credit Guarantees | 0.9% |
| Other | 4.4% |

Segment → industry: BNK → Regional Banks / Credit Guarantees → Credit Cards & Consumer Credit / LEA → Leasing

## Revenue by geography

No geographic revenue breakdown was disclosed.

## Cash flow（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Operating cash flow | 10,732 | 6.1% | S100YELN |
| Capital expenditure | 3,398 | 1.9% | S100YELN |
| Free cash flow | 7,334 | 4.2% | 算出 |
| Investing cash flow | 59,269 | 33.6% | S100YELN |
| Financing cash flow | -8,131 | -4.6% | S100YELN |
| Dividends paid | 4,579 | 2.6% | S100YELN |
| Share buyback | 3,516 | 2.0% | S100YELN |
| Change in cash | 61,871 | 35.0% | S100YELN |
| Cash and equivalents | 833,319 | 471.9% | S100YELN |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 日本マスタートラスト信託銀行株式会社（信託口） | Major shareholder | 12.1% | 2026-03-31 |
| ARIAKE MASTER FUND (常任代理人 立花証券株式会社) | Major shareholder | 7.5% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 5.6% | 2026-03-31 |
| 大垣共立銀行従業員持株会 | Major shareholder | 2.7% | 2026-03-31 |
| 岐建株式会社 | Major shareholder | 2.6% | 2026-03-31 |
| 明治安田生命保険相互会社 | Major shareholder | 1.9% | 2026-03-31 |
| 牧村株式会社 | Major shareholder | 1.3% | 2026-03-31 |
| JP MORGAN CHASE BANK 385781 （常任代理人 株式会社みずほ銀行決済営業部） | Major shareholder | 1.3% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY 505223 （常任代理人 株式会社みずほ銀行決済営業部） | Major shareholder | 1.3% | 2026-03-31 |
| STATE STREET BANK AND TRUST COMPANY 505001 （常任代理人 株式会社みずほ銀行決済営業部） | Major shareholder | 1.1% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第214期(2025/04/01－2026/03/31) | S100YELN | 2026-06-19 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YELN,, |
| 有価証券報告書－第213期(2024/04/01－2025/03/31) | S100W0WN | 2025-06-20 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W0WN,, |
| 有価証券報告書－第212期(2023/04/01－2024/03/31) | S100TNH2 | 2024-06-19 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TNH2,, |
| 有価証券報告書－第211期(2022/04/01－2023/03/31) | S100QZ2P | 2023-06-20 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100QZ2P,, |
| 有価証券報告書－第210期(令和3年4月1日－令和4年3月31日) | S100OBP8 | 2022-06-21 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OBP8,, |
| 有価証券報告書－第209期(令和2年4月1日－令和3年3月31日) | S100LM5A | 2021-06-22 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LM5A,, |

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).