Overview of Financial Results for the Fiscal Year Ending March 2026 | The Gunma Bank,Ltd. (8334) timely disclosure

Worth reading

68In focus

Scored from 5 of 6 sections

Direction

Improvement

Direction inferred from the company’s description.

Scale

149

¥100 million (year-on-year increase in net income attributable to owners of the parent)

Wording

Conditional

How definitive the wording is.

Contents of this document

Presentation materials for financial resultsFiscal year ending March 202610 items taken from the company’s own explanation

Financial Results Figures (The key points of this material are explained below)

Ordinary income848 Hundreds of millions of yen+26.9%

Net income588 Hundreds of millions of yen+33.9%

Full-year earnings forecast

Consolidated

Core gross operating profit

1,467 Hundreds of millions of yen

Net Interest Income

1,117 Hundreds of millions of yen

Non-interest income

350 Hundreds of millions of yen

Expenses

647 Hundreds of millions of yen

Core net business profit

820 Hundreds of millions of yen

Ordinary income

950 Hundreds of millions of yen

Profit attributable to owners of the parent

650 Hundreds of millions of yen

Standalone

Core gross operating profit

1,362 Hundreds of millions of yen

Net Interest Income

1,130 Hundreds of millions of yen

Non-interest income

233 Hundreds of millions of yen

Expenses

617 Hundreds of millions of yen

Core net business profit

745 Hundreds of millions of yen

Ordinary income

880 Hundreds of millions of yen

Net income for the current fiscal year

600 Hundreds of millions of yen

What the company explained in this material

Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.

Domestic interest on loans+¥19.8 billion
Domestic interest on securities+¥2.5 billion
Gains and losses on cancellation of investment trusts+¥5.9 billion
Interest on deposits with banks and other income+¥3.4 billion
Funding costs-¥13.5 billion

Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.

Average loan balance72,933 Hundreds of millions of yen
Change+4.2%
Loan yield1.75 %
Change+0.29 percentage points
Average securities balance21,847 Hundreds of millions of yen
Change+7.7%
Securities yield2.33 %
Change-0.44 percentage points
Average deposit balance85,162 Hundreds of millions of yen
Change+0.4%
Deposit yield0.41 %
Change+0.11 percentage points

New initiatives

Proposal of deposit products and deposit-gathering initiatives by customer segment
Providing solutions through the "Connecting Process" for corporate consulting
Gradually expanding the sales structure for foreign exchange derivatives from one centered on a dedicated head-office department to one covering both head office and branches
Rolling out subsidy support services
Implementing asset-management-based sales for individuals

Key KPIsA metric the company considers important as a management benchmark.

Consolidated core net business profit (excluding gains and losses on cancellation of investment trusts)711 Hundreds of millions of yen
Year on year against the same period last year+¥15.6 billion
OHR (excluding gains and losses on cancellation of investment trusts)45.7 %
Year on year against the same period last year-3.9 percentage points
ROE (annualized)10 %
Year on year against the same period last year+2.3 percentage points
Deposits and other balances87,891 Hundreds of millions of yen
Year on year against the same period last year+1.3%
Loan balance72,261 Hundreds of millions of yen
Year on year against the same period last year+5.5%
RORA by borrower segment1.32 %
Year on year against the same period last year+0.38 percentage points
Non-performing loan ratio (consolidated)1.19 %
Year on year against the same period last yearDown

Unit price and quantity metricsThese figures show sales broken down by price and volume.

Loan balance72,261 Hundreds of millions of yen
Year on year against the same period last year+5.5%
Domestic loan yield1.49 %
Year on year against the same period last yearHigher
Deposits and other balances87,891 Hundreds of millions of yen
Year on year against the same period last year+1.3%
Deposit yield (earnings outlook)0.41 %
Year on year against the same period last year+0.11 percentage points

Medium-term management plan targets

Non-interest income
Target fiscal yearFiscal year ending March 2028
Target value¥35.0 billion
Core net business profit (excluding gains and losses on cancellation of investment trusts)
Target fiscal yearFiscal year ending March 2028
Target value¥80.0 billion
Profit attributable to owners of the parent
Target fiscal yearFiscal year ending March 2028
Target value¥60 billion

Financial targets

ROE
Target value10.0%
Actual value10.0%
OHR (excluding gains and losses on cancellation of investment trusts)
Target valueApproximately 45%
Actual value45.7%

Annual Dividend

Fiscal year ending March 2026

Annual¥62 per share

Forecast for the fiscal year ending March 2027

Annual¥70 per share

Payout ratio

Actual results40 %

Guideline40% of net income attributable to owners of the parent

Shareholder return ratio50.1 %

Acquisition of treasury shares

PolicyTo be carried out flexibly, taking into account capital levels, capital efficiency, growth investment opportunities and market conditions

Actual acquisition amount¥6.0 billion for the fiscal year ending March 2026

Contents of this document
Item	Details
Document type	Presentation materials for financial results
Fiscal Period Covered	Fiscal year ending March 2026
Ordinary income	848 Hundreds of millions of yen (YoY +26.9%)
Net income	588 Hundreds of millions of yen (YoY +33.9%)
Full-year earnings forecast	Consolidated Core gross operating profit 1,467 Hundreds of millions of yen / Net Interest Income 1,117 Hundreds of millions of yen / Non-interest income 350 Hundreds of millions of yen / Expenses 647 Hundreds of millions of yen / Core net business profit 820 Hundreds of millions of yen / Ordinary income 950 Hundreds of millions of yen / Profit attributable to owners of the parent 650 Hundreds of millions of yen / Standalone Core gross operating profit 1,362 Hundreds of millions of yen / Net Interest Income 1,130 Hundreds of millions of yen / Non-interest income 233 Hundreds of millions of yen / Expenses 617 Hundreds of millions of yen / Core net business profit 745 Hundreds of millions of yen / Ordinary income 880 Hundreds of millions of yen / Net income for the current fiscal year 600 Hundreds of millions of yen
Breakdown of Factors Affecting the Change	Factors Domestic interest on loans / Amount +¥19.8 billion, Factors Domestic interest on securities / Amount +¥2.5 billion, Factors Gains and losses on cancellation of investment trusts / Amount +¥5.9 billion, Factors Interest on deposits with banks and other income / Amount +¥3.4 billion, Factors Funding costs / Amount -¥13.5 billion
Key KPIs	Indicator name Consolidated core net business profit (excluding gains and losses on cancellation of investment trusts) / Value 711 Hundreds of millions of yen / Year on year against the same period last year +¥15.6 billion, Indicator name OHR (excluding gains and losses on cancellation of investment trusts) / Value 45.7 % / Year on year against the same period last year -3.9 percentage points, Indicator name ROE (annualized) / Value 10 % / Year on year against the same period last year +2.3 percentage points, Indicator name Deposits and other balances / Value 87,891 Hundreds of millions of yen / Year on year against the same period last year +1.3%, Indicator name Loan balance / Value 72,261 Hundreds of millions of yen / Year on year against the same period last year +5.5%, Indicator name RORA by borrower segment / Value 1.32 % / Year on year against the same period last year +0.38 percentage points, Indicator name Non-performing loan ratio (consolidated) / Value 1.19 % / Year on year against the same period last year Down
Unit price and quantity metrics	Indicator name Loan balance / Value 72,261 Hundreds of millions of yen / Year on year against the same period last year +5.5%, Indicator name Domestic loan yield / Value 1.49 % / Year on year against the same period last year Higher, Indicator name Deposits and other balances / Value 87,891 Hundreds of millions of yen / Year on year against the same period last year +1.3%, Indicator name Deposit yield (earnings outlook) / Value 0.41 % / Year on year against the same period last year +0.11 percentage points
Assumptions Underlying the Business Outlook	Item Average loan balance / Value 72,933 Hundreds of millions of yen / Change +4.2%, Item Loan yield / Value 1.75 % / Change +0.29 percentage points, Item Average securities balance / Value 21,847 Hundreds of millions of yen / Change +7.7%, Item Securities yield / Value 2.33 % / Change -0.44 percentage points, Item Average deposit balance / Value 85,162 Hundreds of millions of yen / Change +0.4%, Item Deposit yield / Value 0.41 % / Change +0.11 percentage points
Medium-term management plan targets	Target fiscal year Fiscal year ending March 2028 / Item Non-interest income / Target value ¥35.0 billion, Target fiscal year Fiscal year ending March 2028 / Item Core net business profit (excluding gains and losses on cancellation of investment trusts) / Target value ¥80.0 billion, Target fiscal year Fiscal year ending March 2028 / Item Profit attributable to owners of the parent / Target value ¥60 billion
Financial targets	Indicator name ROE / Target value 10.0% / Actual value 10.0%, Indicator name OHR (excluding gains and losses on cancellation of investment trusts) / Target value Approximately 45% / Actual value 45.7%
Annual Dividend	Fiscal year ending March 2026 Annual ¥62 per share / Forecast for the fiscal year ending March 2027 Annual ¥70 per share
Payout ratio	Actual results 40 % / Guideline 40% of net income attributable to owners of the parent / Shareholder return ratio 50.1 %
Acquisition of treasury shares	Policy To be carried out flexibly, taking into account capital levels, capital efficiency, growth investment opportunities and market conditions / Actual acquisition amount ¥6.0 billion for the fiscal year ending March 2026
New initiatives	Proposal of deposit products and deposit-gathering initiatives by customer segment, Providing solutions through the "Connecting Process" for corporate consulting, Gradually expanding the sales structure for foreign exchange derivatives from one centered on a dedicated head-office department to one covering both head office and branches, Rolling out subsidy support services, Implementing asset-management-based sales for individuals

Items this document does not state (16)

Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterProgress against full-year forecastSelf-assessment against the planSegment resultsNumber of stores and locationsNumber of employeesRisk amount incorporated into the outlookCapital expendituresOrders received and order backlogMarket Size / ShareKey points of the Q&A

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.

The increase in net interest income was the main factor behind the rise in consolidated core net business profit. The materials cite higher interest income on loans and securities, growth in deposits and loans, and higher loan yields, among other factors.

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.

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