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The Gunma Bank (8334) investor relations material
The Gunma Bank Q1 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Q1 parent-attributable profit was ¥17,584M, up 25.1% YoY; progress reached 27.0% of the ¥65.0B annual plan.
Core net business profit excluding bond gains/losses and investment-trust cancellations rose 21.2% to ¥19.6B, supported by higher loan interest income and non-interest business growth.
Financial highlights
Consolidated net interest income was ¥30.5B, up ¥4.7B YoY, including ¥3.3B in investment-trust cancellation gains, up ¥1.5B.
Ordinary income was ¥72,962M, up 8.9% YoY; ordinary profit was ¥25,175M, up 25.8%.
Core business net profit was ¥22.9B, up ¥4.9B; excluding investment-trust cancellation gains, it was ¥19.6B, up ¥3.4B.
Non-interest business profit reached ¥8.1B, up ¥1.1B; expenses rose ¥1.0B to ¥15.7B.
Comprehensive income was ¥25,194M, down 3.5% YoY, as available-for-sale securities gains and defined-benefit remeasurements were lower.
Outlook and guidance
FY2026 forecasts were unchanged: ordinary profit ¥95.0B and parent-attributable profit ¥65.0B; full-year EPS forecast was ¥171.73.
Six-month forecasts were ordinary profit of ¥46.5B and parent-attributable profit of ¥32.0B; Q1 achieved 55.0% of the interim parent-profit forecast.
FY2027 annual dividend forecast remained ¥70 per share, comprising ¥35 interim and ¥35 year-end.
Mar. 2027 loan balance target is ¥7.5T, up ¥0.2T vs. Mar. 2026, with annualized loan growth of 3.2%; domestic deposit plan is ¥8,688.5B.
- Record H1 profit lifted FY guidance and dividends amid securities valuation losses.8334
Q2 2027 - Higher income lifted ordinary profit, despite pressure on core business from rising funding costs.8334
Q1 2024 - Adjusted H1 core profit rose as loans grew; a ¥22/share dividend and ¥3.0bn buyback were set.8334
Q2 2024 - Profit guidance rose as core earnings improved and lending expanded.8334
Q3 2024 - Record FY2023 profit; FY2024 earnings and dividend guidance rise.8334
Q4 2024 - Profit rose as core earnings improved, but securities valuation losses drove comprehensive income negative.8334
Q1 2025 - Record H1 profit lifted FY2024 net profit guidance to ¥40.0bn and the annual dividend to ¥40 per share.8334
Q2 2025 - Loan-driven earnings rose to ¥31.9bn; fourth-quarter priorities include fee growth.8334
Q3 2025 - Higher loan yields lifted Q1 profit despite bond losses and rising deposit costs.8334
Q1 2026 - Record profit and higher interest income underpin FY2027 guidance and planned integration.8334
Q4 2026
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