FY2025 Earnings Briefing (Management Strategy of Senshu Ikeda Holdings) | Senshu Ikeda Holdings,Inc. (8714) timely disclosure

Worth reading

63In focus

0–100. This measures how worthwhile something is to read, not how good or bad the company is.

Direction

Improvement

Direction inferred from the company’s description.

Scale

Year-on-year increase in HD consolidated net income (¥100 million)

Wording

Conditional

How definitive the wording is.

Contents of this document

Financial results presentationFY2025 (fiscal year ended March 2026) and FY2026 earnings forecast12 items taken from the company’s own explanation

Financial Results Figures (The key points of this material are explained below)

Ordinary income¥236 100 million Ikeda Senshu Bank standalone, FY2025

Net income¥173 100 million HD consolidated net income, FY2025

Full-year earnings forecast

HD consolidated net income

¥191 100 million FY2026

ROE

7.5 % FY2026

Ikeda Senshu Bank standalone ordinary income

¥280 100 million FY2026

Ikeda Senshu Bank standalone net income

¥190 100 million FY2026

Ikeda Senshu Bank standalone credit costs

¥25 100 million FY2026

What the company explained in this material

Self-assessment against the planThe company's self-assessment against its own plan.

Achieved the plan (initial plan: ¥14.7 billion; revised plan in March: ¥16.5 billion)

Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.

FY2025 HD consolidated net income year on year

Interest on loans and deposits+¥4.6 billion

Other net interest income, etc.+¥6.6 billion

Non-interest income, etc.+¥200 million

Expenses, etc.-¥2.2 billion

Trading gains and losses-¥2.2 billion

Credit costs, etc.-¥100 million

Income taxes, etc.-¥2.8 billion

Ikeda Senshu Bank standalone, FY2025

Net Interest Income

590 Hundreds of millions of yen

Expenses

430 Hundreds of millions of yen

Gains and losses on bonds and other securities

-32 Hundreds of millions of yen

Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.

Policy rate

Fiscal 20261.00%

FY20281.25%

FY2028 policy rate scenarioA 1.50% scenario is also presented

New initiatives

Formulation of the Sixth Medium-Term Management Plan (FY2026–FY2028)
Allocate resources to central Osaka and add 40 corporate relationship managers
BaaS business for Hankyu Hanshin Holdings (scheduled to begin in or after 2027)
Establishment of investment-focused and M&A support subsidiaries (January 2026)
Approximately ¥12.0 billion in cumulative growth investment over 3 years in human capital and systems/DX
Capital and business alliance and collaboration through the Ikeda Senshu–Shiga Alliance

Key KPIsA metric the company considers important as a management benchmark.

Number of solutions provided12,030 Engagements
PBS balance¥6.2 trillion
Core OHR (Ikeda Senshu Bank standalone)62.4 %
Productivity Improvement22 %
Digital Talent255 People

Medium-term management plan targets

Final year of the Sixth Medium-Term Management PlanFY2028

HD consolidated net income¥30 billion

ROE10%

Equity ratioMid-9% range (based on the finalized Basel III framework)

Core OHR55% or lower (Ikeda Senshu Bank standalone)

Growth InvestmentApproximately ¥12.0 billion cumulatively over 3 years

Financial targets

ROE10% in FY2028 and stably above 10% over the long term

Equity ratioControlled within a 9–10% range (9% in the mid-range in FY2028 on a separate page)

Core OHR55% or lower in FY2028

Market Size / Share

Main bank share in Osaka Prefecture (2025): eighth in Osaka City, fifth in northern Osaka, 11th in eastern Osaka, and second in southern Osaka

Number of employees

Changes during the period and hiring planIncrease the number of corporate relationship managers focused primarily on central Osaka by 40 (from 220 to 260)

Annual Dividend

FY2025¥25.0 per share

FY2026 forecast¥27.5 per share

Payout ratio

Approximately 40% (40% both for FY2025 actual results and the FY2026 forecast)

Acquisition of treasury shares

Policy of conducting share buybacks flexibly. Historical results show ¥1.0 billion of share buybacks in FY25

Contents of this document
Item	Details
Document type	Financial results presentation
Fiscal Period Covered	FY2025 (fiscal year ended March 2026) and FY2026 earnings forecast
Ordinary income	¥236 100 million (Ikeda Senshu Bank standalone, FY2025)
Net income	¥173 100 million (HD consolidated net income, FY2025)
Full-year earnings forecast	HD consolidated net income ¥191 100 million (FY2026) / ROE 7.5 % (FY2026) / Ikeda Senshu Bank standalone ordinary income ¥280 100 million (FY2026) / Ikeda Senshu Bank standalone net income ¥190 100 million (FY2026) / Ikeda Senshu Bank standalone credit costs ¥25 100 million (FY2026)
Self-assessment against the plan	Achieved the plan (initial plan: ¥14.7 billion; revised plan in March: ¥16.5 billion)
Breakdown of Factors Affecting the Change	FY2025 HD consolidated net income year on year Interest on loans and deposits +¥4.6 billion / Other net interest income, etc. +¥6.6 billion / Non-interest income, etc. +¥200 million / Expenses, etc. -¥2.2 billion / Trading gains and losses -¥2.2 billion / Credit costs, etc. -¥100 million / Income taxes, etc. -¥2.8 billion / Ikeda Senshu Bank standalone, FY2025 Net Interest Income 590 Hundreds of millions of yen / Expenses 430 Hundreds of millions of yen / Gains and losses on bonds and other securities -32 Hundreds of millions of yen
Key KPIs	Indicator name Number of solutions provided / Value 12,030 Engagements / Year on year against the same period last year Not disclosed, Indicator name PBS balance / Value ¥6.2 trillion / Year on year against the same period last year Not disclosed, Indicator name Core OHR (Ikeda Senshu Bank standalone) / Value 62.4 % / Year on year against the same period last year Not disclosed, Indicator name Productivity Improvement / Value 22 % / Year on year against the same period last year Not disclosed, Indicator name Digital Talent / Value 255 People / Year on year against the same period last year Not disclosed
Number of employees	Number of Employees Not disclosed / Changes during the period and hiring plan Increase the number of corporate relationship managers focused primarily on central Osaka by 40 (from 220 to 260)
Assumptions Underlying the Business Outlook	Policy rate Fiscal 2026 1.00% / FY2028 1.25% / FY2028 policy rate scenario A 1.50% scenario is also presented
Medium-term management plan targets	Final year of the Sixth Medium-Term Management Plan FY2028 / HD consolidated net income ¥30 billion / ROE 10% / Equity ratio Mid-9% range (based on the finalized Basel III framework) / Core OHR 55% or lower (Ikeda Senshu Bank standalone) / Growth Investment Approximately ¥12.0 billion cumulatively over 3 years
Financial targets	ROE 10% in FY2028 and stably above 10% over the long term / Equity ratio Controlled within a 9–10% range (9% in the mid-range in FY2028 on a separate page) / Core OHR 55% or lower in FY2028
Annual Dividend	FY2025 ¥25.0 per share / FY2026 forecast ¥27.5 per share / Interim and Year-End Breakdown Not disclosed
Payout ratio	Approximately 40% (40% both for FY2025 actual results and the FY2026 forecast)
Acquisition of treasury shares	Policy of conducting share buybacks flexibly. Historical results show ¥1.0 billion of share buybacks in FY25
Market Size / Share	Main bank share in Osaka Prefecture (2025): eighth in Osaka City, fifth in northern Osaka, 11th in eastern Osaka, and second in southern Osaka
New initiatives	Formulation of the Sixth Medium-Term Management Plan (FY2026–FY2028), Allocate resources to central Osaka and add 40 corporate relationship managers, BaaS business for Hankyu Hanshin Holdings (scheduled to begin in or after 2027), Establishment of investment-focused and M&A support subsidiaries (January 2026), Approximately ¥12.0 billion in cumulative growth investment over 3 years in human capital and systems/DX, Capital and business alliance and collaboration through the Ikeda Senshu–Shiga Alliance

Items this document does not state (14)

Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterProgress against full-year forecastSegment resultsUnit price and quantity metricsNumber of stores and locationsRisk amount incorporated into the outlookCapital expendituresOrders received and order backlogKey points of the Q&A

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 primary factors were the benefits of policy rate hikes from a loan portfolio centered on variable-rate lending, and higher net interest income due to increased interest income from securities and current account deposits at the Bank of Japan. Growth in the loan balance and a wider loan-deposit spread also contributed. Meanwhile, expenses increased, mainly due to personnel expenses and strategic system-related costs, while gains and losses on bonds and other securities deteriorated as yen-denominated bonds were replaced.

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