The Shiga Bank (8366) Q2 2026 earnings summary

Executive summary

• Consolidated profit for 1H FY2025 was 11.3 billion yen, up 2.6 billion yen year-over-year, with a progress rate of 56.5% toward the annual plan.

• Ordinary income rose 31.5% year-over-year to ¥79,519 million for the six months ended September 30, 2025.

• Ordinary profit increased 34.5% year-over-year to ¥15,640 million, and profit attributable to owners of parent grew 30.2% to ¥11,389 million.

• Comprehensive income surged to ¥40,918 million from a loss of ¥15,090 million in the prior year period.

• Net interest income (non-consolidated) rose by 6.0 billion yen YoY to 37.2 billion yen, driven by strategic loan and securities allocation.

Financial highlights

• Consolidated ordinary profit increased by 4.0 billion yen YoY to 15.6 billion yen.

• Basic earnings per share for the period was ¥246.98, up from ¥186.41 year-over-year.

• Total assets reached ¥7,589,627 million as of September 30, 2025, up from ¥7,528,217 million at March 31, 2025.

• Net assets increased to ¥484,832 million from ¥444,811 million at the previous fiscal year-end.

• Dividend per share forecast for the full year is ¥130.00, up from ¥90.00 in the previous year.

Outlook and guidance

• Full-year forecast targets record-high net income of 20.0 billion yen, with ordinary profit forecast at 28.3 billion yen (consolidated).

• Profit attributable to owners of parent is projected at ¥20,000 million, a 6.8% increase year-over-year.

• Basic earnings per share for the full year is forecast at ¥432.15.

• Net interest income is expected to rise further, but expenses will also increase due to growth investments.

• Consolidated ROE target is 6% or more under the 8th Medium-Term Plan.