ENVALITH
株式会社SBI新生銀行 logo

SBI Shinsei Bank, Limited

8303・Prime Market・Banks

株式会社SBI新生銀行 logo
SBI Shinsei Bank, Limited8303

Corporate Banking

Core corporate segment providing comprehensive financial solutions to corporate, public sector, and financial institution clients

PeriodCurrentPreviousChange
Gross business profit (full year, FY2026 (ending March 2026))Not disclosed (this corrected report revises only the cash flow statement)¥34,928 million (full year, FY2025 (ended March 2025))—
Segment profit (full year, FY2026 (ending March 2026))Not disclosed (this corrected report revises only the cash flow statement)¥16,975 million (full year, FY2025 (ended March 2025))—
Credit-related expenses (full year, FY2026 (ending March 2026))Not disclosed (this corrected report revises only the cash flow statement)¥1,910 million (full year, FY2025 (ended March 2025))—
Segment assets (as of March 31, 2026)Not disclosed (this corrected report revises only the cash flow statement)¥4,721,870 million (as of March 31, 2025)—
Cash flow from operating activities (consolidated, post-correction, FY2026 (ending March 2026))¥1,914,143 million¥1,984,626 million (FY2025 (ended March 2025))↓
Cash flow from investing activities (consolidated, post-correction, FY2026 (ending March 2026))△¥1,189,291 million△¥1,292,424 million (FY2025 (ended March 2025))↑

Business Details

Serving corporate clients, public sector entities, and financial institutions as its primary customers, this segment provides banking operations such as lending and deposits, as well as advisory services and Wealth Management. Leveraging collaboration with the SBI Group and its platformer function with regional financial institutions nationwide (93 of 97 regional banks), it is diversifying transactions in areas such as M&A, FX derivatives, and various products. Corporate-related interest-earning assets expanded significantly, up approximately 35% from the end of the prior consolidated fiscal year.

Recent Overview

In June 2026, an error was found in the cash flow statement of the financial results report and the figures were corrected

In the FY2026 (ending March 2026) financial results report announced on May 1, 2026, an error was found in the consolidated cash flow statement. A correction was made on June 15, 2026. The corrected items are cash flow from operating activities (pre-correction ¥1,895,839 million → post-correction ¥1,914,143 million) and cash flow from investing activities (pre-correction △¥1,170,988 million → post-correction △¥1,189,291 million). Specifically, the main causes were revisions to the "Other" item (¥16,185 million → ¥34,488 million) and proceeds from sales of securities (¥470,021 million → ¥451,718 million). Performance figures specific to the Corporate Banking segment (gross business profit, segment profit, etc.) are not subject to this correction and remain unchanged.

Key Products

product
Loans to Corporate & Public Sector Clients

Lending operations targeting corporate clients and public sector entities. Offers diverse loan structures including Structured Finance, achieving an approximately 35% increase in interest-earning assets compared to the end of the prior period.

platform
Platform Services for Financial Institutions

A platform function providing various financial products and services to financial institutions, built on transaction relationships with 93 of 97 regional banks nationwide. Enhancement of the product lineup through collaboration with the SBI Group continues to progress.

service
Advisory & M&A Finance

Provides M&A advisory and finance arrangement to corporate clients. Deal origination capabilities are being strengthened through collaboration with the SBI Group.

service
Wealth Management

Asset management and investment services targeting corporate owners and high-net-worth individuals. The customer base is being deepened through collaboration with Corporate Banking.

product
Derivatives & FX Solutions

Provides various risk-hedging products, including FX derivatives, to corporate clients and financial institutions. Demand is expanding against the backdrop of changes in the interest rate environment.

Growth Drivers

  • New customer acquisition and expansion of the product/service lineup through omni-directional collaboration with the SBI Group
  • Strengthening of the function as a platformer for regional financial institutions (transacting with 93 of 97 regional banks nationwide)
  • Expansion of corporate loan balances against the backdrop of normalizing interest rate environment (corporate-related interest-earning assets up approximately 35% from the end of the prior period)
  • Aggressive promotion of corporate deposit acquisition (up approximately 24% from the end of the prior period)
  • Strengthened capital base and expanded lending capacity following listing on the Tokyo Stock Exchange Prime Market in December 2025

Risks

  • Risk of increased credit-related expenses due to deteriorating corporate performance and real estate market fluctuations amid rising interest rates (full-year credit-related expenses doubled year-on-year to ¥1,910 million)
  • Risk of intensifying competition with regional financial institutions and rising deposit funding costs
  • Concentration risk in large-scale deals (there is a track record of individual loan-loss provisions for large-scale deals in Structured Finance pushing up credit-related expenses for the corporate business as a whole)
  • Risk of delayed improvement in profitability and efficiency based on management's recognition that the evolution of SBI Group collaboration remains a work in progress

Last updated: June 19, 2026