Worth reading
43Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
221
¥100 millionWording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPOrdinary income81,461¥ millionYear on year +26.5%Progress 46.2%
Net income attributable to owners of the parent57,029¥ millionYear on year +28.9%Progress 46.7%
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. 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.
Net income per share¥82.53
Financial position at period-end
Total assets20,857,974¥ million
of which net assets 1,286,293 ¥ millionEquity ratio 6.1%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.
Outlook and shareholder returns
Full-year earnings forecast
Net SalesNot disclosed
Operating profitNot disclosed
Ordinary income¥176,400 million (YoY +27.0%)
Net income¥122,000 million (YoY +29.6%)
Revision to Earnings ForecastConsolidated ordinary profit ¥1,543 100 million → ¥1,764 100 million / Profit attributable to owners of the parent ¥1,070 100 million → ¥1,220 100 million
Annual Dividend Forecast¥52 per share → ¥72 per share
Factors Behind Changes in Business Performance
Ordinary revenue increased, mainly due to higher interest income, while ordinary expenses increased, mainly due to higher other operating expenses, including losses on sales of Japanese government bonds and other bonds. Net interest income, including interest on loans, increased, and the balance of loans outstanding also increased as the bank responded to customers' borrowing needs.
Disclosure regarding the going concern assumption
None ("There are no applicable matters.")
Change in accounting policy
基準改正に伴う変更 Noneそれ以外の変更 None見積りの変更 None修正再表示 None
Changes in the scope of consolidationNew Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed
Material subsequent eventsA resolution was passed to acquire treasury shares. The acquisition will be capped at 7,500,000 common shares and a total acquisition price of ¥15,000 million, during the period from 2026-11-10 to 2027-01-29.
Impairment loss¥26 million
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of non-current assets ¥35 million / Extraordinary loss Loss on disposal of fixed assets ¥146 million, Impairment loss ¥26 million
Availability of Supplementary Financial Results MaterialsAvailable
Availability of Financial Results BriefingYes (for institutional investors and analysts)
Issued Shares at Period-End775,521,087 shares
Treasury Shares at Period-End88,671,165 shares
| 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 | ¥81,461 million (YoY +26.5%) |
| Profit attributable to owners of the parent | ¥57,029 million (YoY +28.9%) |
| Net income per share | ¥82.53 |
| Equity ratio | End of the current fiscal period 6.1 / End of previous period 5.9 |
| Total assets | ¥20,857,974 million |
| Net assets | ¥1,286,293 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥176,400 million (YoY +27.0%) / Net income ¥122,000 million (YoY +29.6%) |
| Revision to Earnings Forecast | Consolidated ordinary profit ¥1,543 100 million → ¥1,764 100 million / Profit attributable to owners of the parent ¥1,070 100 million → ¥1,220 100 million |
| Annual Dividend Forecast | ¥52 per share → ¥72 per share |
| Impairment loss | ¥26 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of non-current assets ¥35 million / Extraordinary loss Loss on disposal of fixed assets ¥146 million, Impairment loss ¥26 million |
| Disclosure regarding the going concern assumption | None ("There are no applicable matters.") |
| 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 Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed |
| Material subsequent events | A resolution was passed to acquire treasury shares. The acquisition will be capped at 7,500,000 common shares and a total acquisition price of ¥15,000 million, during the period from 2026-11-10 to 2027-01-29. |
| Availability of Supplementary Financial Results Materials | Available |
| Availability of Financial Results Briefing | Yes (for institutional investors and analysts) |
| Issued Shares at Period-End | 775,521,087 shares |
| Treasury Shares at Period-End | 88,671,165 shares |
| Factors Behind Changes in Business Performance | Ordinary revenue increased, mainly due to higher interest income, while ordinary expenses increased, mainly due to higher other operating expenses, including losses on sales of Japanese government bonds and other bonds. Net interest income, including interest on loans, increased, and the balance of loans outstanding also increased as the bank responded to customers' borrowing needs. |
Items this document does not state (14)
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 PolicySegment revenueSegment profitRegional 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.Based on the interim results, the earnings forecast was revised upward because net interest income, including interest on loans, is expected to exceed the previous forecast on a non-consolidated basis for the bank. The year-end dividend was increased by ¥8 to reward shareholders for their continued support.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.