The IR materials outline growth, capital policy, and market position of slice SFB, an investee of Gunosy, after its conversion to a bank. Key points include improved capital adequacy and expanded lending capacity following capital raising in September 2026, achievement of profitability, and IPO prospects in 2028\u20132029.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"price_fetched_at":"","company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"6047","jir_company_name":"Gunosy Inc.","jir_importance":"\u2605\u2605\u2605\u2606\u2606","jir_publication_date":"2026-10-14","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/10\/6047-20261014-02.pdf","jir_short_summary":"The IR materials outline growth, capital policy, and market position of slice SFB, an investee of Gunosy, after its conversion to a bank. Key points include improved capital adequacy and expanded lending capacity following capital raising in September 2026, achievement of profitability, and IPO prospects in 2028\u20132029.","jir_summary":"### Key Points of Business and Capital Policy\nAfter the September 2026 capital raise, slice improved its capital adequacy ratio and expanded lending capacity. By expanding its deposit base and utilizing low-cost funding, it achieved growth in loan balances and improved profitability. Since returning to profitability in FY26, Q1 FY27 net revenue grew by 41% year-on-year. The company plans to accelerate growth through capital policy with an IPO targeted in 2028\u20132029.\n\n### Impact on Shareholders and Outlook\nThe recent capital raise improved the capital adequacy ratio and expanded lending capacity. In the future, the bank plans to utilize deposits as capital to scale the business. Shareholder composition maintains the position of the largest external shareholder, with adjusted ownership after potential dilution at approximately 12% (see P9). Focus going forward will be IPO preparation and progress on growth strategies.","jir_financial_highlights":"Net Revenue: \u20b9306.7 Cr ((Q1 FY27 YoY +41%))\nOperating profit before provisions: \u20b980.6 Cr ((YoY Unknown\u2192trend shows continued growth))\nQ1 FY27 Net Revenue: \u20b9306.7 Cr (YoY +41%)\nCRAR: 18.17% (Regulatory minimum 15.00%)\nGNPA: 4.36% (Continued improvement)","jir_category":"","jir_hashtags":"#Gunosy, #slice, #DigitalBank, #CapitalPolicy","jir_key_figures":"Net Revenue: \u20b9306.7 Cr (YoY +41%)\nOperating profit before provisions: \u20b980.6 Cr\nCRAR: 18.17%\nGNPA: 4.36%\nDeposits: \u20b95,765 Cr (as of end of June 2026)","jir_meta_title":"Gunosy Inc. | Growth and Capital Policy of slice SFB after Bank Conversion | October 2026","jir_meta_description":"An overview of the financial condition, capital policy, and business foundation of slice SFB, an investee of Gunosy Inc., after its conversion to a bank. Summarizes sustained profitability, improved capital adequacy from recent fundraising, and IPO outlook as part of the growth strategy.","jir_og_title":"Growth and Capital Policy of slice SFB after Bank Conversion","jir_og_description":"A summary of slice SFB's growth strategy, capital policy, sustained profitability, and IPO outlook \u2014 an investee of Gunosy Inc.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":58557,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"general_ir","footnotes":""},"sector":[],"importance":[],"class_list":["post-130526","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n