Results for this period
Full year1 April 2025–31 March 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.
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Ordinary revenue increased due to higher funds investment income and other operating income, while ordinary expenses also increased due to higher funds procurement costs and other operating expenses. However, ordinary profit and net profit attributable to owners of the parent increased. The banking segment reported higher profit, while the leasing segment reported lower profit.
Not applicable. There were no significant events or circumstances related to the going concern assumption, and no note regarding the going concern assumption was required.
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | ¥305,443 million (YoY +20.1%) |
| Ordinary income | ¥81,533 million (YoY +27.7%) |
| Profit attributable to owners of the parent | ¥64,572 million (YoY +34.5%) |
| Net income per share | ¥141.18 |
| Equity ratio | End of the current fiscal period 8.4 / End of previous period 7.1 |
| Total assets | ¥13,554,489 million |
| Net assets | ¥1,156,165 million |
| Cash flows from operating activities | ¥-440,464 million |
| Cash flows from investing activities | ¥276,491 million |
| Cash flows from financing activities | ¥-32,608 million |
| Cash and cash equivalents at end of period | ¥2,803,142 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥106,000 million (YoY +30.0%) / Net income ¥73,000 million (YoY +13.0%) |
| Annual Dividend Forecast | ¥60 → ¥65（+8.3%） |
| Payout ratio | 42.4 |
| Segment revenue | Ordinary revenue from external customers ¥263,251 million (YoY +22.4%), Ordinary revenue from external customers ¥39,065 million (YoY +6.7%) |
| Segment profit | Banking ¥79,448 million (YoY +28.8%), Leasing ¥2,277 million (YoY -2.0%) |
| Depreciation and amortization | ¥6,088 million |
| Impairment loss | ¥1,634 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥69 million / Extraordinary loss Losses on disposal of fixed assets ¥91 million, Impairment Losses ¥1,634 million |
| Disclosure regarding the going concern assumption | Not applicable. There were no significant events or circumstances related to the going concern assumption, and no note regarding the going concern assumption was required. |
| 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 0 companies / Excluded Number of companies 1 / Company name 株式会社長野銀行 |
| Material subsequent events | The Company introduced a restricted stock incentive plan for the Group Employee Shareholding Association and disposed of 1,935,800 treasury shares through a third-party allotment to the association on 1 April 2026. The total disposal amount was ¥3,185,358,900. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Yes (for institutional investors and securities analysts) |
| Issued Shares at Period-End | 493,767,424 |
| Treasury Shares at Period-End | 39,244,326 |
| Factors Behind Changes in Business Performance | Ordinary revenue increased due to higher funds investment income and other operating income, while ordinary expenses also increased due to higher funds procurement costs and other operating expenses. However, ordinary profit and net profit attributable to owners of the parent increased. The banking segment reported higher profit, while the leasing segment reported lower profit. |
Items this document does not state (6)
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 ordinary revenue was mainly attributable to higher funds investment income and other operating income. The increase in ordinary expenses was mainly attributable to higher funds procurement costs and other operating expenses. On a non-consolidated basis, interest on loans and gains on sales of government bonds and other securities increased, and a gain on the extinguishment of shares held in connection with the merger with Nagano Bank of ¥5,745 million was recorded as extraordinary income.