HACHIJUNI NAGANO BANK (8359) Q3 2025 earnings summary

Executive summary

• Consolidated gross business profit rose to ¥94,538 million, up ¥14,870 million year-over-year, reflecting the merger with Nagano Bank.

• Ordinary profit increased to ¥44,352 million, a rise of ¥16,559 million compared to the same period last year.

• Profit attributable to owners of the parent was ¥31,815 million, down ¥1,036 million year-over-year.

• The merger with Nagano Bank was completed on June 1, 2023, impacting consolidated results.

Financial highlights

• Profit on interest increased by ¥13,641 million year-over-year to ¥79,859 million.

• General & administrative expenses rose by ¥2,882 million to ¥51,415 million.

• Credit-related expenses decreased by ¥1,974 million to ¥150 million.

• Extraordinary gains included a ¥17,322 million gain on bargain purchase from the Nagano Bank merger.

Outlook and guidance

• Consolidated results for FY2024 include Nagano Bank’s performance for the full nine months, compared to only six months in FY2023.