Results for this period
Interim period (second quarter)1 April 2026 to 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.
Interest on loans increased by ¥6.8 billion year on year as loans grew through efforts to establish primary-bank relationships and strengthen customer relationships, while loan yields rose due to policy rate hikes and other factors. Interest and dividends on securities decreased by ¥0.6 billion, other net interest income decreased by ¥4.5 billion due to higher interest on deposits and other items, non-interest income increased by ¥3.7 billion due to lower hedging costs on yen-denominated bonds and other factors, expenses decreased by ¥0.6 billion, credit-related expenses decreased by ¥0.8 billion, and gains and losses related to bonds, equities and other securities decreased by ¥3.3 billion.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Ordinary income | ¥29,258 million (YoY +5.8%) |
| Profit attributable to owners of the parent | ¥19,721 million (YoY +2.5%) |
| Net income per share | ¥71.87 |
| Equity ratio | End of the current fiscal period 5.1 / End of previous period 5.7 |
| Total assets | ¥7,659,265 million |
| Net assets | ¥396,571 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥58,600 million (YoY -3.1%) / Net income ¥40,000 million (YoY -5.5%) |
| Annual Dividend Forecast | ¥21.25 (per common share, on a post-stock-split basis) → ¥30 (per common share, on a post-stock-split basis)（+41.2%） |
| Breakdown of extraordinary income (loss) | Extraordinary income None / Extraordinary loss Loss on disposal of fixed assets ¥16 million |
| Disclosure regarding the going concern assumption | No applicable matters |
| Change in accounting policy | Changes due to revisions to standards Yes / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New 0 companies (company name: —) / Excluded 0 companies (company name: —) |
| Material subsequent events | None |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (target audience: Not disclosed) |
| Issued Shares at Period-End | 289,189,176 |
| Treasury Shares at Period-End | 2,178,004 |
| Factors Behind Changes in Business Performance | Interest on loans increased by ¥6.8 billion year on year as loans grew through efforts to establish primary-bank relationships and strengthen customer relationships, while loan yields rose due to policy rate hikes and other factors. Interest and dividends on securities decreased by ¥0.6 billion, other net interest income decreased by ¥4.5 billion due to higher interest on deposits and other items, non-interest income increased by ¥3.7 billion due to lower hedging costs on yen-denominated bonds and other factors, expenses decreased by ¥0.6 billion, credit-related expenses decreased by ¥0.8 billion, and gains and losses related to bonds, equities and other securities decreased by ¥3.3 billion. |
Items this document does not state (16)
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.At Kiraboshi Bank, interest on loans increased by ¥6.8 billion as loans grew through efforts to establish primary-bank relationships and strengthen customer relationships, while loan yields rose due to policy rate hikes and other factors. Non-interest income increased by ¥3.7 billion, mainly due to lower hedging costs on yen-denominated bonds, while higher interest on deposits and other items, increased losses on bond sales, and the recognition of an allowance for loan losses weighed on profit.