Worth reading
33Immaterial
Scored from 5 of 6 sectionsDirection
Improvement
Direction inferred from the company’s description.Scale
19914
Millions of yenWording
Conditional
How definitive the wording is.Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPOrdinary income15,937Millions of yenYear on year +36.7%Progress 53.8%
Net income attributable to owners of the parent10,648Millions of yenYear on year +29.0%Progress 53.2%
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¥54.77
Financial position at period-end
Total assets4,142,336Millions of yen
of which net assets 416,462 Millions of yenEquity ratio 10.0%vs. prior year-end +0.5pt
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 income29,600 Millions of yen (YoY +35.6%)
Net income20,000 Millions of yen (YoY +28.8%)
Annual Dividend Forecast¥142.50 (actual results for the previous fiscal year) → ¥210.00 (on a pre-stock-split basis; the post-stock-split annual total cannot be simply aggregated)（47.4% (on a pre-stock-split basis)）
Factors Behind Changes in Business Performance
Higher income from lending interest and interest and dividends on securities, higher other operating income due to the recognition of gains on the cancellation of asset swaps, and higher other ordinary income, mainly from gains on sales of securities. Ordinary expenses increased due to higher interest on deposits and higher other operating expenses, mainly from losses on sales of Japanese government bonds and other bonds.
Disclosure regarding the going concern assumption
None
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 stock split and amendments to the Articles of Incorporation effective 1 October 2026. Following a third-party allotment capital increase on 2 November 2026, 阿波銀コネクト株式会社 changed from a consolidated subsidiary to an equity-method affiliate.
Impairment loss¥512 million (subject assets: Not disclosed)
Breakdown of extraordinary income (loss)Extraordinary income Gain on disposal of fixed assets 1 / Extraordinary loss Loss on disposal of fixed assets 14 / Impairment loss 512
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingNone
Issued Shares at Period-End200,000,000 shares
Treasury Shares at Period-End5,586,490 treasury 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 | 15,937 Millions of yen (YoY +36.7%) |
| Profit attributable to owners of the parent | 10,648 Millions of yen (YoY +29.0%) |
| Net income per share | ¥54.77 |
| Equity ratio | End of the current fiscal period 10 / End of previous period 9.5 |
| Total assets | 4,142,336 Millions of yen |
| Net assets | 416,462 Millions of yen |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income 29,600 Millions of yen (YoY +35.6%) / Net income 20,000 Millions of yen (YoY +28.8%) |
| Annual Dividend Forecast | ¥142.50 (actual results for the previous fiscal year) → ¥210.00 (on a pre-stock-split basis; the post-stock-split annual total cannot be simply aggregated)（47.4% (on a pre-stock-split basis)） |
| Impairment loss | ¥512 million (subject assets: Not disclosed) |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets 1 / Extraordinary loss Loss on disposal of fixed assets 14 / Impairment loss 512 |
| Disclosure regarding the going concern assumption | None |
| 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 stock split and amendments to the Articles of Incorporation effective 1 October 2026. Following a third-party allotment capital increase on 2 November 2026, 阿波銀コネクト株式会社 changed from a consolidated subsidiary to an equity-method affiliate. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | None |
| Issued Shares at Period-End | 200,000,000 shares |
| Treasury Shares at Period-End | 5,586,490 treasury shares |
| Factors Behind Changes in Business Performance | Higher income from lending interest and interest and dividends on securities, higher other operating income due to the recognition of gains on the cancellation of asset swaps, and higher other ordinary income, mainly from gains on sales of securities. Ordinary expenses increased due to higher interest on deposits and higher other operating expenses, mainly from losses on sales of Japanese government bonds and other bonds. |
Items this document does not state (15)
Net SalesOperating profitOperating MarginCash flows from operating activitiesCash flows from investing activitiesCash flows from financing activitiesCash and cash equivalents at end of periodRevision to Earnings ForecastPayout 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.Higher income from lending interest and interest and dividends on securities, higher other operating income due to the recognition of gains on the cancellation of asset swaps, and higher other ordinary income, mainly from gains on sales of securities.
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.