KYUSHU FINANCIAL GROUP (7180) Q2 2027 earnings summary

Executive summary

• H1 ordinary income rose 36.8% YoY to ¥167,679 million; ordinary profit increased 8.6% to ¥32,538 million and profit attributable to owners rose 6.9% to ¥22,266 million.

• Loans and bills discounted were ¥9,315,070 million at September 30, 2026; total assets were ¥13,561,514 million.

Financial highlights

• Interest income increased to ¥95,079 million from ¥74,677 million; interest on loans and discounts was ¥64,709 million, up from ¥50,712 million.

• Ordinary expenses rose to ¥135,140 million from ¥92,576 million, including other ordinary expenses of ¥49,008 million versus ¥22,955 million.

• Profit before income taxes was ¥32,593 million; total income taxes were ¥10,333 million and profit attributable to owners was ¥22,266 million.

• Non-consolidated H1 operating revenue rose 43.5% YoY to ¥10,014 million; operating profit increased 51.4% to ¥8,194 million and profit rose 46.2% to ¥8,257 million.

Outlook and guidance

• FY ending March 31, 2027 forecast: ordinary profit ¥65,000 million, up 20.8% YoY; profit attributable to owners ¥45,000 million, up 19.4%; EPS ¥104.56.

• No revision to the latest financial result forecast; actual results may differ significantly from forecasts based on current information and assumptions.