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Yokohama Financial (7186) investor relations material
Yokohama Financial Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary21 Nov, 2025
Executive summary
Interim profit attributable to owners of parent rose to ¥55.0 bn, up ¥10.7 bn year-over-year, achieving 57.6% of the full-year forecast, aided by the consolidation of L&F Asset Finance, Ltd.
Ordinary income increased by ¥47.9 bn year-over-year to ¥238.2 bn, driven by higher interest income from loans and strong fee and commission revenue, especially from corporate clients and solution-based businesses.
Comprehensive income surged to ¥110.6 bn, up 259.7% year-over-year.
Upward revision of FY2025 net profit forecast to ¥103.0 bn, with a planned increase in dividends per share and a share buyback upper limit of ¥30.0 bn.
Financial highlights
Gross operating income for 1H FY25 was ¥138.4 bn, up ¥15.1 bn year-over-year, with a 51.5% achievement rate.
Net interest income reached ¥121.3 bn, up ¥18.7 bn year-over-year.
Net income per share for the six months ended September 30, 2025, was ¥48.24, up from ¥38.05 a year earlier.
Loans and bills discounted grew by ¥719.6 bn to ¥17,465.3 bn, while deposits decreased by ¥272.5 bn to ¥20,140.4 bn.
Non-performing loans remained stable at ¥224.9 bn, with an NPL ratio of 1.2%.
Outlook and guidance
FY2025 net profit forecast revised upward to ¥103.0 bn, up ¥7.5 bn from the initial forecast.
Full-year consolidated ordinary profit is forecast to rise by ¥28.2 bn to ¥151.0 bn.
Annual dividend forecast was raised to ¥37.00 per share, up ¥3.00 from the previous forecast.
Gross operating income forecast for FY2025 is ¥275.1 bn, with net interest income at ¥235.9 bn.
Estimated revenue increase of ¥17.0 bn if the policy rate rises to 0.75%.
L&F acquisition: what specific needs it addresses
Evaluate trend in domestic net interest margin
NPL ratio trend for combined banks
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Next Yokohama Financial earnings date
Q3 20265 Feb, 2026
Next Yokohama Financial earnings date
Q3 20265 Feb, 2026
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Frequently asked questions
Concordia Financial Group Ltd, established as a bank holding group, incorporates The Bank of Yokohama, Ltd. and The Higashi-Nippon Bank, Ltd., focusing on bank management and operations along with other companies. The group offers a comprehensive suite of financial services, including retail and business banking, lending, deposits, insurance, securities trading, domestic and foreign exchange businesses, trust management, and securities investment solutions. Additionally, Concordia provides back-office services, consulting, and information services. The company is headquartered in Chuo-ku, Tokyo, Japan, and its shares are listed on the Tokyo Stock Exchange.
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