Results for this period
Interim period (second quarter)1 April 2026 to 30 September 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.
Higher ordinary revenue, mainly from funds investment income such as interest on loans, an increase in funds income, and a decrease in credit-related expenses
No applicable matters
| 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 | ¥4,210 million (YoY +114.1%) |
| Profit attributable to owners of the parent | ¥2,963 million (YoY +55.1%) |
| Net income per share | ¥164.65 |
| Equity ratio | End of the current fiscal period 3 / End of previous period 2.9 |
| Total assets | ¥2,956,436 million |
| Net assets | ¥89,430 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥4,800 million (YoY -12.1%) / Net income ¥3,200 million (YoY -22.4%) |
| Annual Dividend Forecast | ¥75 /share → ¥75 /share（0.0%） |
| Payout ratio | Approximately 40% (target) |
| Shareholder Return Policy | The basic policy is to pay progressive dividends, with a target payout ratio of approximately 40% of net income attributable to owners of the parent. |
| Impairment loss | ¥131 million (assets subject to impairment: Not disclosed) |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Gain on disposal of fixed assets / Amount ¥11 million / Extraordinary loss Item Loss on disposal of fixed assets / Amount ¥27 million, Item Impairment loss / Amount ¥131 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 | None (no additions or exclusions) |
| Material subsequent events | None |
| Availability of Supplementary Financial Results Materials | Available |
| Availability of Financial Results Briefing | No |
| Issued Shares at Period-End | 18,142,122 shares |
| Treasury Shares at Period-End | 151,653 treasury shares |
| Factors Behind Changes in Business Performance | Higher ordinary revenue, mainly from funds investment income such as interest on loans, an increase in funds income, and a decrease in credit-related expenses |
Items this document does not state (13)
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 revenue, mainly from funds investment income such as interest on loans, an increase in funds income, and a decrease in credit-related expenses. The company cited the need to assess future economic conditions and financial market trends, as well as the expected increase in one-time costs associated with the planned January 2027 merger of Shonai Bank and Hokuto Bank, as reasons for leaving its full-year forecasts unchanged.