The Shiga Bank (8366) Q1 2027 earnings summary

Executive summary

• Ordinary income rose 30.6% year-over-year to ¥45,686 million for Q2 2026, with ordinary profit up 53.3% to ¥14,301 million and profit attributable to owners of parent up 47.4% to ¥9,937 million.

• Comprehensive income surged to ¥140,083 million, an 888.5% increase year-over-year, driven by significant gains in valuation difference on available-for-sale securities.

Financial highlights

• Basic earnings per share increased to ¥43.23 from ¥29.25 year-over-year, reflecting the share split adjustment.

• Total assets grew to ¥7,943,892 million as of June 30, 2026, up from ¥7,669,084 million at March 31, 2026.

• Net assets rose to ¥645,660 million, with the equity-to-asset ratio improving to 8.1% from 6.6% sequentially.

• Deposits and negotiable certificates of deposit increased to ¥6,117,821 million, while loans and bills discounted stood at ¥4,614,344 million.

• Non-performing loans ratio improved to 1.50% from 1.53% sequentially.

Outlook and guidance

• Full-year ordinary profit forecast is ¥42,100 million (up 45.0% year-over-year), with profit attributable to owners of parent projected at ¥28,500 million (up 33.8%).

• Basic earnings per share for the full year is forecast at ¥123.98.

• Dividend forecast for FY2027 is ¥50.00 per share, reflecting the share split.