The Hyakugo Bank (8368) Q2 2026 earnings summary

Executive summary

• Ordinary income rose 21.8% year-over-year to ¥72,940 million for the six months ended September 30, 2025, driven by higher interest income from loans and securities.

• Ordinary profit increased 9.8% year-over-year to ¥14,085 million, while profit attributable to owners of parent grew 10.7% to ¥10,175 million.

• Comprehensive income surged to ¥50,158 million from a loss of ¥33,850 million in the prior year period, mainly due to valuation gains on securities.

Financial highlights

• Total assets reached ¥7,557,938 million as of September 30, 2025, up from ¥7,433,220 million at March 31, 2025.

• Net assets increased to ¥480,178 million, with the equity-to-asset ratio improving to 6.4%.

• Deposits (including negotiable certificates of deposit) rose by ¥126.5 billion to ¥6,270.3 billion, and loans and bills discounted increased by ¥20.0 billion to ¥5,072.0 billion.

• Securities holdings grew by ¥42.5 billion to ¥1,529.7 billion.

• Allowance for loan losses decreased to ¥26,096 million from ¥27,677 million at March 31, 2025.

Outlook and guidance

• Full-year consolidated ordinary profit forecast revised upward to ¥28,800 million (up 12.0% year-over-year), and profit attributable to owners of parent to ¥20,600 million (up 14.2%).

• Dividend forecast raised to ¥26.00 per share for the fiscal year ending March 31, 2026.

• Non-consolidated ordinary profit forecast increased to ¥27,700 million and net income to ¥20,100 million.