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Results8399Bank of The Ryukyus,LimitedBanking

Summary of Financial Results for the Second Quarter (Interim Period) of the Fiscal Year Ending March 2027 [Japanese GAAP] (Consolidated)

For the interim period of the fiscal year ending March 2027, ordinary revenues increased 17.3% year on year, ordinary profit increased 13.1%, and interim net income attributable to owners of the parent increased 7.3%, resulting in higher revenue and profit. The full-year earnings forecast remains unchanged, while the annual dividend forecast has been raised from ¥88 in the previous fiscal year to ¥98.

Worth reading
42Recurring
Scored from 5 of 6 sections
Direction
Improvement
Direction inferred from the company’s description.
Scale
973
¥ million
Wording
Conditional
How definitive the wording is.

Results for this period

Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAP
Ordinary income8,384¥ millionYear on year +13.1%Progress 56.3%
Net income attributable to owners of the parent5,672¥ millionYear on year +7.3%Progress 56.7%

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¥138.29
Financial position at period-end
Total assets3,107,239¥ million
of which net assets 145,593 ¥ millionEquity ratio 4.7%vs. prior year-end 0.0pt

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 income¥14,900 million (YoY +14.1%)
Net income¥10,000 million (YoY +10.1%)
Annual Dividend Forecast¥88 → ¥98(+11.4%)
Factors Behind Changes in Business Performance

Ordinary revenues increased mainly due to higher interest on loans and interest and dividends on securities. Ordinary expenses increased mainly due to higher interest on deposits, personnel expenses and property expenses.

Disclosure regarding the going concern assumption

No applicable matters

Change in accounting policy
基準改正に伴う変更 Noそれ以外の変更 No見積りの変更 No修正再表示 No
Changes in the scope of consolidationNew 0 / Excluded 0 / Company name Not applicable
Impairment loss¥57 million
Breakdown of extraordinary income (loss)Extraordinary income No / Extraordinary loss Loss on disposal of fixed assets ¥48 million, Impairment Losses ¥57 million
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable No / Subject person Not disclosed
Issued Shares at Period-End43,108,470
Treasury Shares at Period-End2,073,900
Results for this period
ItemDetails
Fiscal Period ClassificationInterim period (second quarter)
Accounting standardsJapanese GAAP
Consolidated / non-consolidatedConsolidated
Period Covered1 April 2026 to 30 September 2026
Ordinary income¥8,384 million (YoY +13.1%)
Profit attributable to owners of the parent¥5,672 million (YoY +7.3%)
Net income per share¥138.29
Equity ratioEnd of the current fiscal period 4.7 / End of previous period 4.7
Total assets¥3,107,239 million
Net assets¥145,593 million
Full-year earnings forecastNet Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥14,900 million (YoY +14.1%) / Net income ¥10,000 million (YoY +10.1%)
Annual Dividend Forecast¥88 → ¥98(+11.4%)
Impairment loss¥57 million
Breakdown of extraordinary income (loss)Extraordinary income No / Extraordinary loss Loss on disposal of fixed assets ¥48 million, Impairment Losses ¥57 million
Disclosure regarding the going concern assumptionNo applicable matters
Change in accounting policyChanges due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No
Changes in the scope of consolidationNew 0 / Excluded 0 / Company name Not applicable
Availability of Supplementary Financial Results MaterialsYes
Availability of Financial Results BriefingWhether applicable No / Subject person Not disclosed
Issued Shares at Period-End43,108,470
Treasury Shares at Period-End2,073,900
Factors Behind Changes in Business PerformanceOrdinary revenues increased mainly due to higher interest on loans and interest and dividends on securities. Ordinary expenses increased mainly due to higher interest on deposits, personnel expenses and property expenses.
Items this document does not state (16)
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 amortizationMaterial subsequent events

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.

Ordinary revenues increased mainly due to higher interest on loans and interest and dividends on securities. Ordinary expenses increased mainly due to higher interest on deposits, personnel expenses and property expenses.

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.
Summary of Financial Results for the Second Quarter (Interim Period) of the Fiscal Year Ending March 2027 [Japanese GAAP] (Consolidated) | Bank of The Ryukyus,Limited (8399) timely disclosure | Komori