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Hachijuni Nagano Bank (8359) investor relations material
Hachijuni Nagano Bank Q2 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
H1 FY2027 ordinary income rose 32.8% YoY to ¥180.959bn; ordinary profit increased 44.0% to ¥60.408bn and profit attributable to owners of parent grew 34.6% to ¥40.087bn.
Net assets increased ¥4.9bn from FY-end to ¥1,161.159bn, while total assets fell ¥1,043.1bn to ¥12,511.361bn, mainly on lower Bank of Japan deposits.
Financial highlights
Ordinary expenses rose ¥26.324bn YoY to ¥120.550bn; interest expenses increased to ¥31.441bn and other ordinary expenses to ¥46.874bn.
Interest income rose to ¥98.285bn from ¥84.631bn; interest on loans and discounts increased to ¥51.928bn from ¥41.483bn.
Comprehensive income was ¥25.822bn, down from ¥92.950bn, as available-for-sale securities valuation differences swung to a ¥32.459bn loss.
Outlook and guidance
FY2027 consolidated forecast revised upward: ordinary profit to ¥119bn from ¥106bn and profit attributable to owners of parent to ¥80bn from ¥73bn.
Non-consolidated FY2027 forecast raised to ¥114bn ordinary profit from ¥101bn and ¥77bn profit from ¥70bn.
Forecast basic EPS is ¥176.12 consolidated and ¥169.51 non-consolidated; actual results may differ materially from forecasts.
- Profit and income surged on strong interest, securities gains, and merger synergies.8359
Q1 2027 - Record profits and asset growth with higher dividends, merger impact, and strong outlook.8359
Q4 2026 - Profit and comprehensive income surged on asset growth and securities gains.8359
Q4 2024 - Earnings and net profit soared on merger gains, with robust capital ratios maintained.8359
Q1 2025 - Profit attributable to owners of parent fell despite higher business profit and strong capital ratios.8359
Q2 2025 - Profits rose on merger gains and higher interest income, despite lower loans and capital ratios.8359
Q3 2025 - Ordinary profit surged 81% year-over-year, with further growth and higher dividends forecast.8359
Q4 2025 - Strong profit growth and improved capital position, with positive full-year outlook maintained.8359
Q1 2026 - Profit and income surged, forecasts were raised, and a merger with The Nagano Bank was announced.8359
Q2 2026
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