The Chikuho Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Decreases by 32%, Oct-Dec Ordinary Profit Decreases by 25%

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Fri Feb 7, 2025 3:30 pm JST Earnings

8398 The Chikuho Bank, Ltd. 【J-GAAP】

Earnings Report

The Chikuho Bank, Ltd. <8398> [FSE] announced its financial results after the market closed on February 7th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) dropped 31.9% from the same period last year to 1.09 billion yen. The progress rate toward the full-year plan of 1.26 billion yen was 86.7%, below the five-year average of 107.3%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit/loss for the January to March period (4Q) is expected to turn into a profit of 0.16 billion yen (compared to a loss of 0.42 billion yen in the same period last year).

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit decreased to 0.63 billion yen, a 25.0% decrease compared to the same period last year.

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Actual Results

Accumulated Results 3rd Quarter

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Progress Rate vs. First Half	Announce	Accounting Standards
Apr - Dec, 2022	12,842	ー	1,107	746	123.0	109.1	Feb 10, 2023	J-GAAP
Apr - Dec, 2023	13,600	ー	1,604	1,212	199.4	135.7	Feb 9, 2024	J-GAAP
Apr - Dec, 2024	13,949	ー	1,092	789	129.8	86.7	Feb 7, 2025	J-GAAP
YoY	+2.6%	－	-31.9%	-34.9%	-34.9%

Current Period Guidance

Second Half Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Oct - Mar, 2023	9,228	ー	418	486	80.0	25	May 10, 2024	J-GAAP
Oct - Mar, 2024 Guidance	9,661	ー	798	568	93.4	25	Nov 8, 2024	J-GAAP
YoY	+4.7%	－	+90.9%	+16.9%	+16.7%

Current Period Guidance

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Adj. Dividend	Announce	Accounting Standards
Mar, 2023	17,290	ー	1,015	603	99.4	50	May 12, 2023	J-GAAP
Mar, 2024	18,023	ー	1,182	1,056	173.9	50	May 10, 2024	J-GAAP
Mar, 2025 Guidance	18,630	ー	1,260	910	149.6	50	Nov 8, 2024	J-GAAP
YoY	+3.4%	－	+6.6%	-13.8%	-13.9%

Quarterly Results

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Operating Profit Margin	Announce	Accounting Standards
Oct - Dec, 2023	4,805	ー	840	642	105.6	0.0	Feb 9, 2024	J-GAAP
Jan - Mar, 2024	4,423	ー	-422	-156	-25.7	0.0	May 10, 2024	J-GAAP
Apr - Jun, 2024	4,606	ー	269	272	44.8	0.0	Aug 9, 2024	J-GAAP
Jul - Sep, 2024	4,363	ー	193	70	11.5	0.0	Nov 8, 2024	J-GAAP
Oct - Dec, 2024	4,980	ー	630	447	73.5	0.0	Feb 7, 2025	J-GAAP
YoY	+3.6%	－	-25.0%	-30.4%	-30.4%