Worth reading
42Recurring
Scored from 4 of 6 sectionsDirection
Mixed performance
Direction inferred from the company’s description.Scale
47.6
% (year-on-year change in ordinary profit)Wording
Avoiding a definitive answer
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPOrdinary income92,182¥ millionYear on year +47.6%
Net income attributable to owners of the parent69,096¥ millionYear on year -0.4%
The 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.
Net income per share¥77.89
Financial position at period-end
Total assets26,383,645¥ million
of which net assets 1,266,182 ¥ millionEquity ratio 4.8%vs. prior year-end -0.2pt
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.
Segment revenueNotes For management purposes, gross operating profit is presented instead of sales as used by general operating companies. / List Segment Corporate sales / Current interim period ¥29,760 million / Same period of previous year ¥17,004 million / Year on year against the same period last year Not disclosed, Segment Structured Finance / Current interim period ¥20,341 million / Same period of previous year ¥14,357 million / Year on year against the same period last year Not disclosed, Segment Principal Transactions / Current interim period ¥1,998 million / Same period of previous year ¥18,013 million / Year on year against the same period last year Not disclosed, Segment Financial Markets / Current interim period ¥2,995 million / Same period of previous year ¥2,481 million / Year on year against the same period last year Not disclosed, Segment Showa Leasing / Current interim period ¥8,449 million / Same period of previous year ¥8,481 million / Year on year against the same period last year Not disclosed, Segment Retail Banking / Current interim period ¥31,646 million / Same period of previous year ¥15,779 million / Year on year against the same period last year Not disclosed, Segment Shinsei Financial / Current interim period ¥31,258 million / Same period of previous year ¥33,442 million / Year on year against the same period last year Not disclosed, Segment APLUS / Current interim period ¥39,343 million / Same period of previous year ¥37,615 million / Year on year against the same period last year Not disclosed, Segment Other Retail / Current interim period ¥4,489 million / Same period of previous year ¥6,241 million / Year on year against the same period last year Not disclosed, Segment Overseas Business / Current interim period ¥9,659 million / Same period of previous year ¥8,391 million / Year on year against the same period last year Not disclosed, Segment Securities Investments / Current interim period ¥26,483 million / Same period of previous year ¥5,707 million / Year on year against the same period last year Not disclosed, Segment Other / Current interim period ¥-6,616 million / Same period of previous year ¥-1,795 million / Year on year against the same period last year Not disclosed
Segment profitList Segment Corporate sales / Current interim period ¥22,332 million / Same period of previous year ¥11,153 million / Year on year against the same period last year Not disclosed, Segment Structured Finance / Current interim period ¥14,268 million / Same period of previous year ¥8,252 million / Year on year against the same period last year Not disclosed, Segment Principal Transactions / Current interim period ¥-529 million / Same period of previous year ¥15,258 million / Year on year against the same period last year Not disclosed, Segment Financial Markets / Current interim period ¥1,750 million / Same period of previous year ¥1,288 million / Year on year against the same period last year Not disclosed, Segment Showa Leasing / Current interim period ¥1,700 million / Same period of previous year ¥75 million / Year on year against the same period last year Not disclosed, Segment Retail Banking / Current interim period ¥12,946 million / Same period of previous year ¥2,934 million / Year on year against the same period last year Not disclosed, Segment Shinsei Financial / Current interim period ¥4,793 million / Same period of previous year ¥7,081 million / Year on year against the same period last year Not disclosed, Segment APLUS / Current interim period ¥6,668 million / Same period of previous year ¥5,845 million / Year on year against the same period last year Not disclosed, Segment Other Retail / Current interim period ¥2,991 million / Same period of previous year ¥4,666 million / Year on year against the same period last year Not disclosed, Segment Overseas Business / Current interim period ¥5,120 million / Same period of previous year ¥3,684 million / Year on year against the same period last year Not disclosed, Segment Securities Investments / Current interim period ¥24,299 million / Same period of previous year ¥3,242 million / Year on year against the same period last year Not disclosed, Segment Other / Current interim period ¥-6,994 million / Same period of previous year ¥-1,450 million / Year on year against the same period last year Not disclosed
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary incomeNot disclosed
Net incomeNot disclosed
Profit before income taxes¥132,000 million (YoY +8.1%)
Revision to Earnings ForecastNo revision
Annual Dividend Forecast¥42.00 (prior-year actual) → ¥42.00 or more
Factors Behind Changes in Business Performance
Net interest income, net fees and commissions income, and equity in earnings of affiliates increased, while trading income, other operating income, and gains and losses on securities decreased, and expenses increased. Total income taxes increased from a negative ¥7,669 million in the same period of the previous year to ¥23,692 million.
Disclosure regarding the going concern assumption
Not applicable.
Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 No修正再表示 No
Changes in the scope of consolidationNew 2 / Excluded 0 / Company name THE SHIMANE BANK,LTD., THE FUKUSHIMA BANK,LTD. / Category Equity-Method Affiliates
Material subsequent eventsOn 16 October 2026, THE SHIMANE BANK,LTD. entered into an agreement to subscribe for 10,000,000 Class C preferred shares scheduled to be issued at ¥1,000 per share, for a total amount of ¥10,000 million. The payment date is scheduled for 25 December 2026.
Impairment lossnot_separately_disclosed
Breakdown of extraordinary income (loss)Extraordinary income ¥795 million / Extraordinary loss ¥32 million
Availability of Supplementary Financial Results MaterialsAvailable
Availability of Financial Results BriefingWhether applicable Available / Subject person Institutional investors and analysts
Issued Shares at Period-End895,500,000 shares issued at period-end
Treasury Shares at Period-End8,500,010 treasury shares at period-end
| 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 | ¥92,182 million (YoY +47.6%) |
| Profit attributable to owners of the parent | ¥69,096 million (YoY -0.4%) |
| Net income per share | ¥77.89 |
| Equity ratio | End of the current fiscal period 4.8% / End of previous period 5.0% |
| Total assets | ¥26,383,645 million |
| Net assets | ¥1,266,182 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income Not disclosed / Net income Not disclosed / Profit before income taxes ¥132,000 million (YoY +8.1%) |
| Revision to Earnings Forecast | No revision |
| Annual Dividend Forecast | ¥42.00 (prior-year actual) → ¥42.00 or more |
| Segment revenue | Notes For management purposes, gross operating profit is presented instead of sales as used by general operating companies. / List Segment Corporate sales / Current interim period ¥29,760 million / Same period of previous year ¥17,004 million / Year on year against the same period last year Not disclosed, Segment Structured Finance / Current interim period ¥20,341 million / Same period of previous year ¥14,357 million / Year on year against the same period last year Not disclosed, Segment Principal Transactions / Current interim period ¥1,998 million / Same period of previous year ¥18,013 million / Year on year against the same period last year Not disclosed, Segment Financial Markets / Current interim period ¥2,995 million / Same period of previous year ¥2,481 million / Year on year against the same period last year Not disclosed, Segment Showa Leasing / Current interim period ¥8,449 million / Same period of previous year ¥8,481 million / Year on year against the same period last year Not disclosed, Segment Retail Banking / Current interim period ¥31,646 million / Same period of previous year ¥15,779 million / Year on year against the same period last year Not disclosed, Segment Shinsei Financial / Current interim period ¥31,258 million / Same period of previous year ¥33,442 million / Year on year against the same period last year Not disclosed, Segment APLUS / Current interim period ¥39,343 million / Same period of previous year ¥37,615 million / Year on year against the same period last year Not disclosed, Segment Other Retail / Current interim period ¥4,489 million / Same period of previous year ¥6,241 million / Year on year against the same period last year Not disclosed, Segment Overseas Business / Current interim period ¥9,659 million / Same period of previous year ¥8,391 million / Year on year against the same period last year Not disclosed, Segment Securities Investments / Current interim period ¥26,483 million / Same period of previous year ¥5,707 million / Year on year against the same period last year Not disclosed, Segment Other / Current interim period ¥-6,616 million / Same period of previous year ¥-1,795 million / Year on year against the same period last year Not disclosed |
| Segment profit | List Segment Corporate sales / Current interim period ¥22,332 million / Same period of previous year ¥11,153 million / Year on year against the same period last year Not disclosed, Segment Structured Finance / Current interim period ¥14,268 million / Same period of previous year ¥8,252 million / Year on year against the same period last year Not disclosed, Segment Principal Transactions / Current interim period ¥-529 million / Same period of previous year ¥15,258 million / Year on year against the same period last year Not disclosed, Segment Financial Markets / Current interim period ¥1,750 million / Same period of previous year ¥1,288 million / Year on year against the same period last year Not disclosed, Segment Showa Leasing / Current interim period ¥1,700 million / Same period of previous year ¥75 million / Year on year against the same period last year Not disclosed, Segment Retail Banking / Current interim period ¥12,946 million / Same period of previous year ¥2,934 million / Year on year against the same period last year Not disclosed, Segment Shinsei Financial / Current interim period ¥4,793 million / Same period of previous year ¥7,081 million / Year on year against the same period last year Not disclosed, Segment APLUS / Current interim period ¥6,668 million / Same period of previous year ¥5,845 million / Year on year against the same period last year Not disclosed, Segment Other Retail / Current interim period ¥2,991 million / Same period of previous year ¥4,666 million / Year on year against the same period last year Not disclosed, Segment Overseas Business / Current interim period ¥5,120 million / Same period of previous year ¥3,684 million / Year on year against the same period last year Not disclosed, Segment Securities Investments / Current interim period ¥24,299 million / Same period of previous year ¥3,242 million / Year on year against the same period last year Not disclosed, Segment Other / Current interim period ¥-6,994 million / Same period of previous year ¥-1,450 million / Year on year against the same period last year Not disclosed |
| Impairment loss | not_separately_disclosed |
| Breakdown of extraordinary income (loss) | Extraordinary income ¥795 million / Extraordinary loss ¥32 million |
| Disclosure regarding the going concern assumption | Not applicable. |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New 2 / Excluded 0 / Company name THE SHIMANE BANK,LTD., THE FUKUSHIMA BANK,LTD. / Category Equity-Method Affiliates |
| Material subsequent events | On 16 October 2026, THE SHIMANE BANK,LTD. entered into an agreement to subscribe for 10,000,000 Class C preferred shares scheduled to be issued at ¥1,000 per share, for a total amount of ¥10,000 million. The payment date is scheduled for 25 December 2026. |
| Availability of Supplementary Financial Results Materials | Available |
| Availability of Financial Results Briefing | Whether applicable Available / Subject person Institutional investors and analysts |
| Issued Shares at Period-End | 895,500,000 shares issued at period-end |
| Treasury Shares at Period-End | 8,500,010 treasury shares at period-end |
| Factors Behind Changes in Business Performance | Net interest income, net fees and commissions income, and equity in earnings of affiliates increased, while trading income, other operating income, and gains and losses on securities decreased, and expenses increased. Total income taxes increased from a negative ¥7,669 million in the same period of the previous year to ¥23,692 million. |
Items this document does not state (12)
Net SalesOperating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodPayout ratioShareholder Return PolicyRegional salesOrders received and order backlogDepreciation and amortization
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.Net interest income, net fees and commissions income, and equity in earnings of affiliates increased, while trading income, other operating income, and gains and losses on securities decreased, and expenses also increased. Interim net income attributable to owners of the parent fell below the prior-year level, partly because total income taxes increased from a negative ¥7,669 million in the same period of the previous year to ¥23,692 million.
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