BANK OF SAGA, Apr-Jun (1Q) Ordinary Profit Decreases by 53%

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Mon Aug 4, 2025 3:30 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 after the market closed on August 4th (15:30). The consolidated ordinary profit for the first quarter of the fiscal year ending March 2026 (April to June) significantly dropped 53.3% from the same period last year to 1.66 billion yen. Progress toward the plan for the six months ending September (first half) of 5.80 billion yen was 28.8%, also falling below the five-year average of 63.6%.

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Actual Results

Accumulated Results 1st Quarter

Fiscal Year	Revenue	Operating Profit	Ordinary Profit	Net Profit	Adj. EPS	Progress Rate vs. First Half	Announce	Accounting Standards
Apr - Jun, 2023	13,993	ー	2,099	1,734	103.3	43.5	Aug 4, 2023	J-GAAP
Apr - Jun, 2024	14,914	ー	3,577	2,482	147.7	59.2	Aug 5, 2024	J-GAAP
Apr - Jun, 2025	13,595	ー	1,669	1,242	73.5	28.8	Aug 4, 2025	J-GAAP
YoY	-8.8%	－	-53.3%	-50.0%	-50.2%

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
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
Apr - Jun, 2025	13,595	ー	1,669	1,242	73.5	0.0	Aug 4, 2025	J-GAAP
YoY	-8.8%	－	-53.3%	-50.0%	-50.2%