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Fukuoka Financial Group (8354) investor relations material
Fukuoka Financial Group Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary10 Nov, 2025
Executive summary
Consolidated core business profit reached ¥66.6 billion, up ¥7.9 billion year-over-year and ¥3.7 billion above projection, driven by higher domestic net interest income and Minna Bank system sales.
Consolidated net income was ¥43.6 billion, up ¥4.4 billion year-over-year and ¥3.1 billion above projection, supported by improved securities gains and core business profit.
Ordinary income for the interim period rose 15.1% year-over-year to ¥258.8 billion, with ordinary profit up 12.9% to ¥62.8 billion.
Comprehensive income surged to ¥102.4 billion from a loss of ¥2.5 billion in the prior year, driven by improved valuation differences on securities and hedges.
Gains on securities improved by ¥4.5 billion year-over-year due to the absence of prior-year portfolio restructuring losses.
Financial highlights
Core gross business profit rose by ¥14.4 billion year-over-year, with domestic net interest income up ¥7.4 billion and non-interest income up ¥5.0 billion.
Net income per share increased to ¥230.50 from ¥207.23 year-over-year.
Total assets grew to ¥33.2 trillion from ¥32.3 trillion as of March 31, 2025, and total net assets rose to ¥1.02 trillion.
Overhead expenses increased by ¥6.6 billion year-over-year, mainly from higher base pay and DX-related investments.
Unrealized gains on securities (after hedges) improved by ¥84.1 billion from March 2025, reaching ¥64.8 billion.
Outlook and guidance
Full-year FY2025 projections remain unchanged for consolidated ordinary profit and net income.
Core business profit projection revised upward by ¥3.9 billion to ¥128.4 billion for the full year.
What drove comprehensive income turnaround?
Why did deposit interest expense rise sharply?
Explain Fukuoka Chuo Bank's high NPL ratio?
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Next Fukuoka Financial Group earnings date
Q3 20264 Feb, 2026
Next Fukuoka Financial Group earnings date
Q3 20264 Feb, 2026
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Frequently asked questions
Fukuoka Financial Group Inc. is a Japanese financial holding company operating through subsidiaries such as Bank of Fukuoka, Kumamoto Bank, Juhachi-Shinwa Bank, and Minna Bank. The group offers a range of services, including deposits, loans, investment solutions, and credit cards. Additionally, it provides securities business, loan guarantees, business consulting, factoring, information processing, communication services, and insurance solutions. Fukuoka Financial Group Inc. is headquartered in Fukuoka, Japan, and its shares are listed on the Tokyo Stock Exchange.
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