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BANK OF SAGA, 5% Increase in Ordinary Profit, Update Record High for Second Consecutive Term

Mon May 12, 2025 3:00 pm JST Earnings

8395 THE BANK OF SAGA LTD. 【J-GAAP】

Earnings Report

THE BANK OF SAGA LTD. <8395> [TSE Prime] announced its financial results in the afternoon session on May 12th (15:00). The consolidated ordinary profit for the fiscal year ending March 2025 expanded 45.3% from the previous period to 11 billion yen. For the fiscal year ending March 2026, the consolidated ordinary profit is expected to grow by 4.5% to 11.5 billion yen, marking the second consecutive term of record-high profits. This will be the fifth consecutive term of revenue and profit growth.

In the most recent three-month period, from January to March (4Q), the consolidated ordinary profit decreased to 2.17 billion yen, a 9.2% decrease compared to the same period last year.

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Actual Results

Historical Performance
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2023 47,675 ー 7,265 5,491 327.1 70 May 11, 2023 J-GAAP
Mar, 2024 53,013 ー 7,571 6,218 370.1 80 May 10, 2024 J-GAAP
Mar, 2025 55,231 ー 11,001 7,496 444.4 90 May 12, 2025 J-GAAP
YoY +4.2% － +45.3% +20.6% +20.1%

Full Year Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2025 Guidance 54,000 ー 10,100 6,800 402.6 90 Apr 22, 2025 J-GAAP
Mar, 2025 Results 55,231 ー 11,001 7,496 444.4 90 May 12, 2025 J-GAAP
Revision Rate +2.3% － +8.9% +10.2% +10.4%

Current Period Guidance

H1 Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2024 29,071 ー 6,039 4,313 256.0 40 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 Guidance 28,000 ー 5,800 4,400 260.5 45 May 12, 2025 J-GAAP
YoY -3.7% － -4.0% +2.0% +1.8%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 53,013 ー 7,571 6,218 370.1 80 May 10, 2024 J-GAAP
Mar, 2025 55,231 ー 11,001 7,496 444.4 90 May 12, 2025 J-GAAP
Mar, 2026 Guidance 56,000 ー 11,500 8,000 473.3 90 May 12, 2025 J-GAAP
YoY +1.4% － +4.5% +6.7% +6.5%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jan - Mar, 2024 13,076 ー 2,399 1,598 95.1 0.0 May 10, 2024 J-GAAP
Apr - Jun, 2024 14,914 ー 3,577 2,482 147.7 0.0 Aug 5, 2024 J-GAAP
Jul - Sep, 2024 14,157 ー 2,462 1,831 108.7 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 13,416 ー 2,783 1,852 109.8 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 12,744 ー 2,179 1,331 78.9 0.0 May 12, 2025 J-GAAP
YoY -2.5% － -9.2% -16.7% -17.0%

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