Shinkin Central Bank8421その他金融業FY ending Mar 2026, consolidated, J-GAAP

Shinkin Central Bank FY ending Mar 2026 results

About 94% of Shinkin Central Bank's ordinary revenue comes from Business of Shinkin Central Bank, with Other making up much of the rest.

Out of every ¥100 of ordinary revenue, about ¥8 is left as ordinary profit.

Ordinary revenue changed +37.3% from the prior year, ordinary profit -4.1%.

Revenue and profit pattern

Revenue up, profit downRevenue grew faster

Revenue +37.3% · profit -4.1%, calculated from disclosed figures.

Operating leverage: -0.11× (profit growth ÷ revenue growth)

FY ending Mar 2025 → FY ending Mar 2026

Revenue for the FY ending Mar 2026 was ¥662.6B, up 37.3% from ¥482.6B.
Net income only edged up 1.3%, from ¥42.4B to ¥43B, because interest paid on deposits climbed along with income.
Operating cash flow swung from ¥399.4B to -¥5.27T. For a bank this line includes changes in loans and deposits, so the outflow is about balance-sheet moves rather than weak earnings.

Interest and dividends on securities rose, lifting income
Higher deposit rates raised the interest it pays, so expenses grew as well
More lending to the government and public bodies, plus fewer time deposits, pushed operating cash flow into an outflow

As Japan settles into positive interest rates, funding costs are expected to keep rising
US policy uncertainty, Middle East tensions and commodity-driven inflation could make markets more volatile
Moves in interest rates and stock prices could push results away from the bank's own forecast

Amended Annual Securities Report (76th term) / 経営者による財政状態、経営成績及びキャッシュ・フローの状況の分析 · Amended Annual Securities Report (76th term) / 経営方針、経営環境及び対処すべき課題等

FY ending Mar 2025 → FY ending Mar 2026

For every ¥100 of ordinary revenue (a bank's or insurer's top line) Shinkin Central Bank earns, how much goes where, and how much is kept.

FY ending Mar 2026

Ordinary margin8.5%

Net margin6.5%

Aligned fiscal years compare the shares of revenue remaining as gross, core, and net profit. Missing years are left unconnected.

Revenue by business segment, and the profit each one keeps.

FY ending Mar 2026

※ Segments without disclosed profit are drawn entirely as costs

※ Segment figures include inter-segment sales and do not sum to the company total

Show source documents (6)

EDINET (FSA Japan)
訂正有価証券報告書－第76期(2025/04/01－2026/03/31)
ID S100YRHX2026-07-21Open
EDINET (FSA Japan)
有価証券報告書－第75期(2024/04/01－2025/03/31)
ID S100W4JN2025-06-25Open
EDINET (FSA Japan)
有価証券報告書－第74期(2023/04/01－2024/03/31)
ID S100TV5J2024-06-27Open
EDINET (FSA Japan)
有価証券報告書－第73期(2022/04/01－2023/03/31)
ID S100R8JH2023-06-29Open
EDINET (FSA Japan)
有価証券報告書－第72期(令和3年4月1日－令和4年3月31日)
ID S100OJPW2022-06-29Open
EDINET (FSA Japan)
有価証券報告書－第71期(令和2年4月1日－令和3年3月31日)
ID S100LTJJ2021-06-29Open

Extracted from XBRL: 37 / Derived from other figures: 2

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