The Hyakugo Bank (8368) investor relations material

Executive summary

• Ordinary income rose 30.4% year-over-year to ¥162,399 million, driven by higher interest income and gains on equity securities sales.

• Ordinary profit increased 44.1% to ¥37,032 million, and profit attributable to owners of parent grew 48.8% to ¥26,839 million.

• Comprehensive income surged to ¥89,786 million from a loss the prior year, reflecting improved securities valuations and pension remeasurements.

Financial highlights

• Total assets expanded to ¥7,630,605 million, up from ¥7,433,220 million year-over-year.

• Net assets increased to ¥516,650 million, with net assets per share at ¥2,128.68.

• ROE (consolidated, based on net income) improved to 5.63% from 3.87% year-over-year.

• Capital adequacy ratio (consolidated) was 11.49%, down from 12.33% the previous year.

• Cash and cash equivalents at year-end were ¥655,535 million, a decrease of ¥7,244 million.

Outlook and guidance

• For FY2027, consolidated ordinary profit is forecast at ¥41.2 billion (+11.3% YoY), and profit attributable to owners of parent at ¥28.9 billion (+7.7% YoY).

• Non-consolidated ordinary profit and net income are projected at ¥39.7 billion (+12.4% YoY) and ¥27.7 billion (+7.2% YoY), respectively.

• Dividend per share is expected to rise to ¥42.00 for FY2027.