The Hyakugo Bank (8368) Q2 2025 earnings summary

Executive summary

• Revenue increased 1.7% year-over-year to ¥59,893 million for the six months ended September 2024, driven by higher interest income from loans and securities.

• Net income attributable to shareholders rose 10.4% year-over-year to ¥9,192 million, reflecting improved profitability and lower expenses.

• Comprehensive income declined sharply to negative ¥33,850 million, mainly due to a significant decrease in valuation gains on securities.

Financial highlights

• Operating profit (経常利益) increased 9.8% year-over-year to ¥12,824 million.

• EPS for the interim period was ¥36.88, up from ¥32.83 in the prior year.

• Total assets decreased to ¥7,636,996 million from ¥8,097,192 million at the previous fiscal year-end.

• Net assets declined to ¥459,076 million from ¥496,919 million at the previous year-end.

• Interim dividend increased to ¥9.00 per share, with full-year forecast at ¥18.00 per share.

Outlook and guidance

• Full-year consolidated operating profit forecast raised to ¥24,200 million (up 20.7% year-over-year).

• Full-year net income forecast increased to ¥17,200 million (up 20.4% year-over-year).

• Guidance revision reflects stronger-than-expected growth in core banking operations.