Revised forecast
Fiscal year ending March 2026 · Full yearPrevious forecast published Earnings forecast: disclosed on 13 February 2026; dividend forecast: disclosed on 10 November 2025The bar length represents the relative magnitude of change, based on the item that changed the most in this document. The percentage change shown by the dotted line is calculated from the two reported figures because the company did not provide the rate.
The full-year earnings forecasts are being revised upward, primarily because net interest income and net fees and commissions at the standalone bank are expected to exceed the initial forecasts, while expenses and credit-related expenses are expected to fall below them. The year-end dividend is being increased by ¥4 per share based on performance for the fiscal year.
| Item | Details |
|---|---|
| Ordinary income | Consolidated 12,700 / Individual 11,800 → Consolidated 13,600 / Individual 12,600（Consolidated 7 / Individual 6.7） |
| Profit attributable to owners of the parent | Consolidated 16,700 / Standalone (net income) 7,200 → Consolidated 17,000 / Standalone (net income) 7,500（Consolidated 1.7 / Standalone (net income) 4.1） |
| Net income per share | Consolidated 400.76 / Individual 171.93 → Consolidated 407.25 / Individual 179.1 |
| Fiscal Period Covered | Fiscal year ending March 2026 |
| Period Covered | Full year |
| Publication date of previous forecast | Earnings forecast: disclosed on 13 February 2026; dividend forecast: disclosed on 10 November 2025 |
| Previous-period results | Consolidated: ordinary income of ¥10,281 million, net income attributable to owners of the parent of ¥6,813 million, and earnings per share of ¥163.29. Standalone: ordinary income of ¥10,234 million, net income of ¥6,920 million, and earnings per share of ¥165.35. |
| Reason for the revision | The full-year earnings forecasts are being revised upward, primarily because net interest income and net fees and commissions at the standalone bank are expected to exceed the initial forecasts, while expenses and credit-related expenses are expected to fall below them. The year-end dividend is being increased by ¥4 per share based on performance for the fiscal year. |
| Dividend forecast revision | The year-end dividend forecast has been changed from ¥28 to ¥32 per share, an increase of ¥4. The annual dividend forecast has been changed from ¥56 to ¥60. |
| Consolidated / non-consolidated | Consolidated / non-consolidated (standalone) |
Items this document does not state (3)
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.This is primarily because net interest income and net fees and commissions at the standalone bank are expected to exceed the initial forecasts, while expenses and credit-related expenses are expected to fall below them. The dividend increase is based on performance for the fiscal year, while gains on negative goodwill and other items associated with the conversion to a wholly owned subsidiary are treated as one-off factors.