The Gunma Bank (8334) Q4 2026 earnings summary

Executive summary

• FY2025 profit attributable to owners of parent reached ¥58.863bn, up 34.1% YoY and a third consecutive record; ROE rose to 10.0%.

• Core net business profit excluding bond gains/losses and investment-trust cancellations increased 28.2% to ¥71.192bn, supported by higher loan interest and non-interest income.

Financial highlights

• Consolidated core business gross profit rose ¥26.8bn YoY to ¥134.6bn; net interest income increased ¥23.133bn to ¥105.266bn.

• Non-interest business profit reached a seventh consecutive record of ¥29.3bn, up ¥3.7bn; net fees and commissions income was ¥23.777bn, up ¥3.947bn.

• Consolidated ordinary profit rose ¥22.8bn to ¥84.8bn; non-consolidated net profit increased ¥14.3bn to ¥54.7bn.

• Loans grew 5.5% YoY and deposits and negotiable certificates of deposit rose 1.3%.

• Securities book value declined to ¥2,006.4bn; available-for-sale unrealized gains/losses improved to ¥0.1bn from a ¥16.1bn loss.

Outlook and guidance

• FY ending Mar. 2027 forecast: consolidated profit attributable to owners of parent ¥65.0bn, ordinary profit ¥95.0bn, and core business net profit ¥82.0bn.

• Forecast non-interest business profit is ¥35.0bn, one year ahead of the mid-term plan schedule; forecast OHR is 44.0% and ROE 10.5%.

• FY2027 net credit costs are forecast at ¥5.5bn, up ¥2.1bn YoY; expenses are forecast at ¥64.7bn, up ¥4.7bn.