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Concordia Financial Group, Ltd.

Business Summary

Concordia Financial Group, Ltd. is a holding company that engages in business management of banking and other banking related businesses. It operates through the Bank of Yokohama and Higashi Nippon Bank divisions. The Bank of Yokohama division composes of 15 banks that offers banking, leasing, financial product trading, and information services. The Higashi Nippon Bank division composes of 3 banks that provides financial services including credit guarantee. The company was founded on April 1, 2016 and is headquartered in Tokyo, Japan.

Financial Highlights

Mar 2021 JPYUSD
Gross Profit----
Operating income44,012M414.98M
Income before tax36,315M342.40M
Net income25,326M238.79M
Diluted EPS20.990.19
Dividends Per Share170.16
Total Assets21,577.39B195,270.57M
Total liabilities20,418.29B184,780.99M
Total equity1,153.20B10,436.24M
Operating cash flow52,497M494.98M
Currency in JPYCurrency in USD

Historical Data

 Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021
Revenue 316,056M 321,856M 300,763M 302,775M 287,991M
Gross Profit -- -- -- -- --
Operating income 102,418M 106,696M 85,720M 74,692M 44,012M
Income before tax 156,525M 97,302M 79,314M 68,641M 36,315M
Net income 126,657M 66,414M 54,286M 46,536M 25,326M
EBITDA -- -- -- -- --
Diluted EPS 98.01 52.32 43.44 38.37 20.99
Dividends Per Share 15 15.50 16 16 17
Total Assets 18,739.93B 18,660.58B 18,947.09B 18,927.93B 21,577.39B
Total liabilities 17,626.22B 17,506.57B 17,786.95B 17,823.96B 20,418.29B
Total equity 1,108.89B 1,148.82B 1,155.05B 1,098.61B 1,153.20B
Operating cash flow 54,742M 28,807M 54,448M 101,285M 52,497M
 Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021
Revenue 2,918.67M 2,903.98M 2,712.15M 2,784.75M 2,715.42M
Gross Profit -- -- -- -- --
Operating income 945.79M 962.67M 772.98M 686.97M 414.98M
Income before tax 1,445.45M 877.92M 715.21M 631.32M 342.40M
Net income 1,169.63M 599.22M 489.52M 428.01M 238.79M
EBITDA -- -- -- -- --
Diluted EPS 0.90 0.47 0.39 0.35 0.19
Dividends Per Share 0.13 0.13 0.14 0.14 0.16
Total Assets 168,176.70M 175,463.82M 171,180.36M 175,331.72M 195,270.57M
Total liabilities 158,182.05M 164,612.83M 160,698.84M 165,105.50M 184,780.99M
Total equity 9,951.53M 10,802.29M 10,435.55M 10,176.57M 10,436.24M
Operating cash flow 505.52M 259.91M 490.98M 931.56M 494.98M

Valuation Measures

Mar 2021
Operating margin15.28%
Profit margin8.79%

Key executives

  • President & Representative Director: Yasuyoshi Oya
  • Director & Managing Executive Officer: Yoshiaki Suzuki
  • Auditor: Kazuhiro Maehara
  • Auditor: Mitsuhiro Hara
  • Manager-Accounting Office: Junichi Saito


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Contact Details

  • Website:
  • Address: Tokyo Nihonbashi Tower, 34/F, 2-7-1 Nihonbashi, Tokyo, 103-6034, Japan
  • Phone: +81.3.5200.8201

Related Companies

  • Concordia Financial Group Board Incentive Plan
  • Higashi-Nippon Bank, Limited
  • Bank of Yokohama, Ltd.


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