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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 2022 JPYUSD
Gross Profit----
Operating income87,121M775.28M
Income before tax78,584M699.31M
Net income53,881M479.48M
Diluted EPS44.670.39
Dividends Per Share180.16
Total Assets24,060.79B198,235.16M
Total liabilities22,896.16B188,639.89M
Total equity1,158.62B9,545.83M
Operating cash flow76,984M685.07M
Currency in JPYCurrency in USD

Historical Data

 Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022
Revenue 321,856M 300,763M 302,775M 287,991M 283,897M
Gross Profit -- -- -- -- --
Operating income 106,696M 85,720M 74,692M 44,012M 87,121M
Income before tax 97,302M 79,314M 68,641M 36,315M 78,584M
Net income 66,414M 54,286M 46,536M 25,326M 53,881M
EBITDA -- -- -- -- --
Diluted EPS 52.32 43.44 38.37 20.99 44.67
Dividends Per Share 15.50 16 16 17 18
Total Assets 18,660.58B 18,947.09B 18,927.93B 21,577.39B 24,060.79B
Total liabilities 17,506.57B 17,786.95B 17,823.96B 20,418.29B 22,896.16B
Total equity 1,148.82B 1,155.05B 1,098.61B 1,153.20B 1,158.62B
Operating cash flow 28,807M 54,448M 101,285M 52,497M 76,984M
 Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022
Revenue 2,903.98M 2,712.15M 2,784.75M 2,715.42M 2,526.38M
Gross Profit -- -- -- -- --
Operating income 962.67M 772.98M 686.97M 414.98M 775.28M
Income before tax 877.92M 715.21M 631.32M 342.40M 699.31M
Net income 599.22M 489.52M 428.01M 238.79M 479.48M
EBITDA -- -- -- -- --
Diluted EPS 0.47 0.39 0.35 0.19 0.39
Dividends Per Share 0.13 0.14 0.14 0.16 0.16
Total Assets 175,463.82M 171,180.36M 175,331.72M 195,270.57M 198,235.16M
Total liabilities 164,612.83M 160,698.84M 165,105.50M 184,780.99M 188,639.89M
Total equity 10,802.29M 10,435.55M 10,176.57M 10,436.24M 9,545.83M
Operating cash flow 259.91M 490.98M 931.56M 494.98M 685.07M

Valuation Measures

Mar 2022
Operating margin30.68%
Profit margin18.97%

Key executives

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


  • Silchester International Investors LLP (6.3%)
  • Nomura Asset Management Co., Ltd. (5.0%)
  • Meiji Yasuda Life Insurance Co. (3.1%)
  • Meiji Yasuda Life Insurance Co Pension Fund (3.0%)
  • The Vanguard Group, Inc. (2.4%)
  • Concordia Financial Group, Ltd. (2.3%)
  • Nippon Life Insurance Co. (2.0%)
  • BlackRock Fund Advisors (1.8%)
  • Daiwa Asset Management Co. Ltd. (1.7%)
  • Nikko Asset Management Co., Ltd. (1.7%)

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
  • StormHarbour Japan Ltd.
  • PT Bank Resona Perdania
  • Hamagin Finance Co. Ltd.
  • Higashi-Nippon Bank, Limited
  • Bank of Yokohama, Ltd.


    Last Updated on 22 Mar, 2023

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