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Mebuki Financial Group (7167) investor relations material
Mebuki Financial Group Q2 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
H1 FY2027 net income attributable to owners rose ¥15.4bn YoY to ¥59.2bn, a post-integration first-half record, supported by wider loan-deposit spreads and securities income.
Core net business income increased ¥20.6bn YoY to ¥76.7bn; expenses rose ¥3.1bn to ¥60.4bn amid human-capital and strategic investments.
Financial highlights
Consolidated ordinary income rose 24.2% YoY to ¥262.8bn; ordinary profit rose 44.2% to ¥86.1bn.
Net income attributable to owners was ¥59.2bn versus ¥43.8bn; basic EPS was ¥63.11 versus ¥46.03.
Consolidated net interest income increased ¥21.6bn to ¥113.9bn, and net fees and commissions rose ¥1.7bn to ¥27.0bn.
Bank-total net interest income excluding investment-trust cancellation gains rose ¥22.1bn to ¥112.8bn; securities gains/losses were ¥8.0bn and credit-related costs were ¥4.0bn.
Outlook and guidance
FY2027 forecasts were raised to ¥163bn ordinary profit and ¥112bn net income attributable to owners; forecast EPS is ¥119.68 and ROE is ~10.0%.
Annual dividend forecast rose to ¥48 per share, comprising ¥22 interim and ¥26 year-end dividends.
Bank forecast includes core net business income of ¥154.5bn, credit-related costs of ¥10.0bn and securities gains/losses of ¥9.5bn; assumptions include unchanged Japanese policy rates during FY2027.
- Record 1Q26 profit, raised full-year guidance, and higher dividends on strong loan and securities growth.7167
Q1 2027 - Record net income, strong loan growth, and higher dividends with further gains forecast.7167
Q4 2026 - Record profit growth, strong loan expansion, and higher shareholder returns on upward forecast.7167
Investor presentation - Record profit and comprehensive income surge, driven by higher margins and valuation gains.7167
Q3 2026 - Record profit growth, higher forecasts, and major share buyback drive strong shareholder returns.7167
Q2 2026 - Net and ordinary income surged over 21% YoY, with strong outlook and share cancellation ahead.7167
Q1 2026 - Record profit growth and higher dividends drive upward forecast revisions and strong returns.7167
Q2 2025 - Net and ordinary profit rose, but comprehensive income was negative on securities losses.7167
Q1 2025 - Record net income and robust loan growth set the stage for higher returns in FY2025.7167
Q4 2025
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