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The Hyakugo Bank (8368) investor relations material
The Hyakugo Bank Q2 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Consolidated ordinary income was ¥106.35bn (+45.8% YoY), ordinary profit ¥21.35bn (+51.6%), and net profit attributable to owners of the parent ¥14.994bn (+47.4%).
Higher loan and securities interest income and equity-sale gains supported earnings; bond-sale losses increased expenses, while comprehensive income fell to ¥5.254bn from ¥50.158bn.
Financial highlights
Consolidated interest income rose to ¥59.779bn from ¥48.269bn; other income increased to ¥27.185bn from ¥5.841bn, including higher equity-security sale gains.
Non-consolidated core net operating income was ¥22.767bn (+¥5.276bn YoY); excluding gains and losses from cancellation of investment trusts, it was ¥21.457bn (+¥4.182bn).
Non-consolidated ordinary profit reached ¥20.467bn (+48.7% YoY) and net income ¥14.395bn (+41.9%).
Outlook and guidance
FY ending March 2027 consolidated forecasts were revised to ordinary profit of ¥44.6bn (+20.4% YoY) and parent-attributable net income of ¥31.0bn (+15.5%); increases of 8.3% and 7.3% versus prior forecasts.
Non-consolidated FY forecasts are ordinary profit of ¥43.0bn (+21.7%) and net income of ¥30.0bn (+16.1%); core net operating income forecast is ¥44.0bn, up 23.6% versus the prior forecast.
Forecast revisions reflect expected higher interest income.
- Record profits and digital growth drive higher returns and sustainability goals.8368
Corporate presentation - Ordinary profit more than doubled year-over-year, with strong gains from securities and higher interest income.8368
Q1 2027 - Aims to build trust through employee growth, digitalization, and local value creation.8368
Corporate presentation - Record profit, rising dividends, and robust outlook driven by digitalization and asset growth.8368
Q4 2026 - Profit increased on lower costs, but comprehensive income dropped on securities losses.8368
Q1 2025 - Net income and revenue grew, but comprehensive income fell sharply on securities losses.8368
Q2 2025 - Recurring profit and net income grew over 20% year-over-year, but comprehensive income was negative.8368
Q3 2025 - Strong profit growth year-over-year, but comprehensive income declined on securities losses.8368
Q4 2025 - Ordinary profit declined 29.6% year-over-year despite higher revenues and asset growth.8368
Q1 2026
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