Results for this period
First quarter1 April 2026 to 30 June 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.
Investment income increased due to higher interest on loans and interest and dividends on securities, among other items. Other ordinary income increased due to the recognition of gain on negative goodwill and reversal of allowance for loan losses. Ordinary expenses increased, mainly due to higher funding costs resulting from increased interest on deposits, but profit increased due in part to a decrease in credit-related expenses, among other factors.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Net Sales | ¥77,863 million (ordinary income) (YoY +30.3%) |
| Ordinary income | ¥32,001 million (YoY +59.1%) |
| Profit attributable to owners of the parent | ¥23,581 million (YoY +65.9%) |
| Net income per share | ¥196.28 |
| Equity ratio | End of the current fiscal period 4.4 / End of previous period 4.3 |
| Total assets | ¥17,223,853 million |
| Net assets | ¥758,357 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥89,000 million (YoY +10.2%) / Net income ¥62,000 million (YoY +5.3%) |
| Revision to Earnings Forecast | No revision |
| Annual Dividend Forecast | ¥110.00 → Not disclosed (¥150.00 without taking the stock split into account)（36.4% (converted without taking the stock split into account)） |
| Segment revenue | Hokuriku Bank ¥42,757 million (ordinary income) / Hokkaido Bank ¥26,839 million (ordinary income) / Other ¥7,427 million (ordinary income) |
| Segment profit | Hokuriku Bank ¥13,559 million / Hokkaido Bank ¥6,791 million / Other ¥773 million |
| Depreciation and amortization | ¥2,184 million |
| Impairment loss | No recognition |
| Breakdown of extraordinary income (loss) | Extraordinary income No recognition / Extraordinary loss Losses on disposal of fixed assets ¥17 million |
| Disclosure regarding the going concern assumption | No applicable matters |
| 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 Number of companies 1 / Company name 北陸コンピュータ・サービス株式会社 / Excluded Number of companies 0 / Company name Not disclosed |
| Material subsequent events | A stock split is scheduled to take effect on 1 October 2026, under which each common share will be split into 10 shares. In connection with this, the Articles of Incorporation will be amended to change the number of authorized shares from 280 million to 2.8 billion. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | None (対象者：Not applicable) |
| Issued Shares at Period-End | 121,120,114 |
| Treasury Shares at Period-End | 1,410,420 |
| Factors Behind Changes in Business Performance | Investment income increased due to higher interest on loans and interest and dividends on securities, among other items. Other ordinary income increased due to the recognition of gain on negative goodwill and reversal of allowance for loan losses. Ordinary expenses increased, mainly due to higher funding costs resulting from increased interest on deposits, but profit increased due in part to a decrease in credit-related expenses, among other factors. |
Items this document does not state (10)
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 main factors behind the increase in ordinary income were higher investment income, resulting from increases in interest on loans and interest and dividends on securities, among other items, as well as higher other ordinary income due to the recognition of gain on negative goodwill and reversal of allowance for loan losses. Ordinary expenses increased, mainly due to higher funding costs resulting from increased interest on deposits, but ordinary profit increased. Net income attributable to owners of the parent also benefited from a decrease in credit-related expenses, among other factors.