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The Gunma Bank
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.Q1 2027 earnings summary3 Aug, 2026
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.
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Latest events from The Gunma Bank
- 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.8334Q2 2024
- Profit guidance rose as core earnings improved and lending expanded.8334Q3 2024
- Record FY2023 profit; FY2024 earnings and dividend guidance rise.8334Q4 2024
- Profit rose as core earnings improved, but securities valuation losses drove comprehensive income negative.8334Q1 2025
- Record H1 profit lifted FY2024 net profit guidance to ¥40.0bn and the annual dividend to ¥40 per share.8334Q2 2025
- Loan-driven earnings rose to ¥31.9bn; fourth-quarter priorities include fee growth.8334Q3 2025
- Record FY2025 profit, higher FY2026 guidance and a planned 2027 integration.8334Q4 2025
- Higher loan yields lifted Q1 profit despite bond losses and rising deposit costs.8334Q1 2026
- Record profit and higher interest income underpin FY2027 guidance and planned integration.8334Q4 2026
Next The Gunma Bank earnings date
Q2 20279 Nov, 2026
The Gunma Bank
Next The Gunma Bank earnings date
Q2 20279 Nov, 2026
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