The Shiga Bank (8366) Q3 2025 earnings summary

Executive summary

• Ordinary revenues for the nine months ended December 31, 2024, rose 1.2% year-over-year to ¥92,099 million.

• Ordinary profit declined 40.3% year-over-year to ¥15,423 million, and profit attributable to owners of parent fell 10.7% to ¥15,896 million.

• Comprehensive income turned negative at ¥(9,638) million, compared to ¥28,733 million in the prior year.

Financial highlights

• Total assets decreased to ¥7,593,029 million as of December 31, 2024, from ¥7,970,551 million at March 31, 2024.

• Net assets declined to ¥477,273 million from ¥490,887 million at the previous fiscal year-end.

• Capital adequacy ratio improved slightly to 6.3% from 6.2% at March 31, 2024.

• Basic earnings per share for the nine months was ¥338.71.

Outlook and guidance

• Full-year ordinary profit forecast is ¥23,000 million, down 4.0% year-over-year.

• Profit attributable to owners of parent is projected at ¥16,000 million, up 0.4% year-over-year.

• Dividend forecast for the year ending March 31, 2025, is ¥90.00 per share, with ¥45.00 at year-end.