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BANK OF SAGA, First Half Ordinary Profit Unexpectedly Revised Upward by 15%

Fri Nov 7, 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 November 7th (15:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 15.3% from the same period last year, reaching 6.96 billion yen, resulting in an increase in profits compared to the previous forecast of a 4.0% decrease.

Progress toward the full-year plan of 11.5 billion yen was 60.5%, almost the same as the five-year average of 61.6%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to decrease 8.5% from the same period last year to 4.53 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit surged 2.1 times that of the same period last year, reaching 5.29 billion yen.

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Actual Results

Accumulated Results 2nd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Sep, 2023 26,755 ー 4,824 3,744 222.9 63.7 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 29,071 ー 6,039 4,313 256.0 54.9 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 29,800 ー 6,961 5,022 297.2 60.5 Nov 7, 2025 J-GAAP
YoY +2.5% － +15.3% +16.4% +16.1%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2025 Guidance 28,000 ー 5,800 4,400 260.5 50 Oct 24, 2025 J-GAAP
Apr - Sep, 2025 Results 29,800 ー 6,961 5,022 297.2 50 Nov 7, 2025 J-GAAP
Revision Rate +6.4% － +20.0% +14.1% +14.1%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2024 26,160 ー 4,962 3,183 188.7 50 May 12, 2025 J-GAAP
Oct - Mar, 2025 Guidance 26,200 ー 4,539 2,978 176.2 50 Nov 7, 2025 J-GAAP
YoY +0.2% － -8.5% -6.4% -6.6%

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 8,000 473.3 100 Oct 24, 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
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
Jul - Sep, 2025 16,205 ー 5,292 3,780 223.7 0.0 Nov 7, 2025 J-GAAP
YoY +14.5% － +114.9% +106.4% +105.9%

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