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Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Fukuoka Financial Group
Fukuoka Financial Group (8354) investor relations material
Fukuoka Financial Group Q2 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2027 earnings summary10 Nov, 2026
Executive summary
1H FY2026 consolidated core business profit was ¥99.5bn, up ¥32.9bn YoY and ¥26.5bn ahead of plan; net income was ¥59.3bn, up ¥15.7bn and ¥11.3bn above plan.
Ordinary income rose 30.8% YoY to ¥338.5bn, ordinary profit increased 37.8% to ¥86.5bn and net income attributable to owners rose 36.1%.
Financial highlights
Consolidated core gross business profit rose ¥38.0bn YoY to ¥189.5bn; overhead expenses increased ¥5.1bn to ¥90.0bn, mainly on salary and system costs.
Net interest income rose ¥37.5bn to ¥157.1bn, including domestic growth of ¥34.4bn; non-interest income excluding bond gains/losses fell ¥0.5bn to ¥31.6bn.
Interest income was ¥272.7bn, including ¥157.4bn from loans; interest expenses were ¥114.6bn, versus ¥84.7bn a year earlier.
Securities losses were ¥11.7bn, down ¥12.7bn YoY; credit costs were ¥3.7bn, down ¥1.2bn. Comprehensive income was ¥58.6bn versus ¥102.4bn, reflecting a ¥44.8bn securities valuation loss in OCI.
Outlook and guidance
FY2026 consolidated forecasts were raised to core business profit of ¥182.2bn, ordinary profit of ¥166.0bn and net income of ¥113.0bn.
Revised FY2026 subsidiary-bank total forecasts are core business profit of ¥200.8bn, ordinary profit of ¥193.6bn and net income of ¥139.3bn.
Annual dividend forecast rose to ¥240 per share, comprising ¥105 interim and ¥135 year-end; forecast net income per share is ¥597.91.
Forecasts rely on current assumptions and information; actual results may differ due to business-environment changes and other factors.
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Latest events from Fukuoka Financial Group
- Dominant in Kyushu, FFG drives growth through digital innovation, regional clusters, and capital efficiency.8354
Corporate presentation - Strong profit growth, improved asset quality, and robust loan and deposit expansion.8354Q1 2027
- Profits and net income surged, with robust loan growth and higher dividends projected.8354Q4 2026
- Profit and net income rose over 15% YoY, with higher guidance and improved asset quality.8354Q3 2026
- Profit and asset growth, strong capital, and robust guidance define the interim results.8354Q2 2026
- Profit and net income rose, with strong loan growth, improved asset valuations, and stable asset quality.8354Q1 2026
- Profit growth, digital transformation, and higher shareholder returns drive strong FY2024 outlook.8354Investor Presentation
- Net income is projected to reach ¥100 billion by FY2027, driven by growth and digital initiatives.8354Investor Presentation
- Net income and core profit surged year-over-year, prompting raised FY2024 guidance and dividends.8354Q2 2025
Next Fukuoka Financial Group earnings date
Q3 20274 Feb, 2027
Fukuoka Financial Group
Next Fukuoka Financial Group earnings date
Q3 20274 Feb, 2027
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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.