Results for this period
Interim period (second quarter)1 April 2026–30 September 2026ConsolidatedJapanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Funds investment income increased, mainly from interest on loans and interest and dividend income on securities, and gains on sales of shares and other securities increased. Ordinary expenses increased due to higher funding costs, mainly interest on deposits, and higher losses on sales of Japanese government bonds and other bonds.
No applicable items.
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026–30 September 2026 |
| Ordinary income | 49,668 Millions of yen (YoY +32.4%) |
| Profit attributable to owners of the parent | 34,610 Millions of yen (YoY +28.8%) |
| Net income per share | ¥122.66 |
| Equity ratio | End of the current fiscal period 11.3 / End of previous period 9.6 |
| Total assets | 11,318,591 Millions of yen |
| Net assets | 1,290,347 Millions of yen |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income 86,700 Millions of yen (YoY -36.7%) / Net income 60,000 Millions of yen (YoY -37.9%) |
| Revision to Earnings Forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income 76,600 Millions of yen → 86,700 Millions of yen（+13.2%） / Net income 52,000 Millions of yen → 60,000 Millions of yen（+15.4%） |
| Annual Dividend Forecast | 105 Yen → 125 Yen（+19.0%） |
| Impairment loss | ¥0 million (as stated for Kyoto Bank on a standalone basis; no target assets stated) |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Gain on disposal of fixed assets / Amount 0 Millions of yen / Extraordinary loss Item Loss on disposal of non-current assets / Amount 776 Millions of yen |
| Disclosure regarding the going concern assumption | No applicable items. |
| Change in accounting policy | Changes due to revisions to standards None / Other changes None / Change in accounting estimate None / Restatement None |
| Changes in the scope of consolidation | New 0 companies / Excluded 0 companies / Company name None |
| Availability of Supplementary Financial Results Materials | Available |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 301,362,752 shares |
| Treasury Shares at Period-End | 22,423,026 shares |
| Factors Behind Changes in Business Performance | Funds investment income increased, mainly from interest on loans and interest and dividend income on securities, and gains on sales of shares and other securities increased. Ordinary expenses increased due to higher funding costs, mainly interest on deposits, and higher losses on sales of Japanese government bonds and other bonds. |
Items this document does not state (15)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Funds investment income increased, mainly from interest on loans and interest and dividend income on securities, and gains on sales of shares and other securities also increased. The stated reason for the full-year forecast is that the Group will work to respond to issues facing the entire region and continue to grow together with all stakeholders.