KYUSHU FINANCIAL GROUP (7180) Q2 2026 earnings summary

Executive summary

• Ordinary income rose 12.7% year-over-year to ¥122,536 million, driven by higher interest income.

• Ordinary profit increased 41.1% year-over-year to ¥29,959 million, with profit attributable to owners up 42.4% to ¥20,814 million.

• Comprehensive income surged to ¥46,695 million from a loss of ¥5,659 million a year earlier.

Financial highlights

• Total assets grew to ¥13,519,424 million as of September 30, 2025, up ¥241.7 billion year-over-year.

• Net assets increased to ¥745,147 million, with equity-to-asset ratio improving to 5.5%.

• Deposits including negotiable certificates of deposit rose to ¥10,705.3 billion, while loans and bills discounted fell to ¥9,002.5 billion.

• Securities holdings increased to ¥1,999.6 billion, mainly due to domestic bonds.

• Basic earnings per share for the six months was ¥48.10, up from ¥33.78 year-over-year.

Outlook and guidance

• Full-year forecast for ordinary profit is ¥50,500 million (up 17.4% year-over-year), and profit attributable to owners is projected at ¥35,000 million (up 15.2%).

• Basic earnings per share for the full year is forecast at ¥80.88.

• Dividend forecast for FY2026 is ¥27.00 per share, including a ¥2.00 commemorative dividend for the 10th anniversary.