HACHIJUNI NAGANO BANK (8359) Q3 2026 earnings summary

Executive summary

• Ordinary income rose 18.7% year-over-year to ¥208.9 billion, driven by higher interest income and gains on equity securities sales.

• Ordinary profit increased 52.3% year-over-year to ¥67.6 billion, and profit attributable to owners of parent rose 49.9% to ¥47.7 billion.

• Segment profit in banking grew by ¥22.6 billion to ¥65.3 billion, and leasing segment profit increased by ¥183 million to ¥2.0 billion.

Financial highlights

• Net assets increased by ¥94.3 billion from March 2025 to ¥1,062.0 billion, mainly due to higher accumulated other comprehensive income.

• Total assets rose by ¥81.6 billion to ¥13,597.0 billion, with loans and bills discounted up by ¥195.7 billion to ¥6,657.3 billion.

• Deposits decreased by ¥41.0 billion to ¥9,508.4 billion, reflecting declines in public and financial institution deposits.

• Basic earnings per share for the nine months was ¥104.11, up from ¥66.55 year-over-year.

• Comprehensive income swung from a loss of ¥50.9 billion to a gain of ¥127.0 billion year-over-year.

Outlook and guidance

• Full-year forecast (ending March 2026): ordinary profit ¥76.0 billion (+19.0% YoY), profit attributable to owners ¥55.0 billion (+14.6% YoY), basic EPS ¥120.25.

• No changes to previously announced earnings forecasts.

• Dividend forecast for FY2026: ¥50.00 per share, including a ¥5.00 commemorative dividend.