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The Hyakugo Bank (8368) investor relations material
The Hyakugo Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Ordinary income for the nine months ended December 31, 2025, rose by ¥20,491 million year-over-year to ¥110,132 million, driven by higher interest income from loans and securities.
Ordinary profit increased by ¥1,858 million year-over-year to ¥22,296 million, while profit attributable to owners of parent rose by ¥1,525 million to ¥16,144 million.
Comprehensive income surged by ¥95,428 million year-over-year to ¥77,539 million.
Financial highlights
Total assets as of December 31, 2025, increased by ¥264.5 billion from March 31, 2025, reaching ¥7,697.7 billion.
Net assets grew by ¥68.9 billion to ¥504.4 billion over the same period.
Deposits, including negotiable certificates of deposit, rose by ¥201.2 billion to ¥6,345.0 billion.
Loans and bills discounted increased by ¥77.3 billion to ¥5,129.3 billion, mainly from housing loans.
Securities holdings expanded by ¥94.2 billion to ¥1,581.4 billion.
Outlook and guidance
Full-year forecast for fiscal year ending March 31, 2026: ordinary profit of ¥28,800 million (up 12.0% year-over-year), profit attributable to owners of parent of ¥20,600 million (up 14.2%), and basic EPS of ¥84.88.
Annual dividend forecast raised to ¥26.00 per share.
- Profit increased on lower costs, but comprehensive income dropped on securities losses.8368
Q1 202513 Mar 2026 - Net income and revenue grew, but comprehensive income fell sharply on securities losses.8368
Q2 202513 Mar 2026 - Recurring profit and net income grew over 20% year-over-year, but comprehensive income was negative.8368
Q3 202513 Mar 2026 - Strong profit growth year-over-year, but comprehensive income declined on securities losses.8368
Q4 202513 Mar 2026 - Ordinary profit declined 29.6% year-over-year despite higher revenues and asset growth.8368
Q1 202613 Mar 2026 - Profit and income surged, prompting upward revisions to full-year forecasts and dividends.8368
Q2 202613 Mar 2026
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