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The Chikuho Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 4%

Fri Nov 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 November 7th (15:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 29.0% from the same period last year, reaching 0.59 billion yen.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 4.2%, from the previous forecast of 1.42 billion yen to 1.48 billion yen (compared to 1.15 billion yen in the previous period), increasing the growth rate from 23.3% to 28.5%.

Based on the first-half performance announced by the company and the full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to grow 28.1% from the same period last year, reaching 0.88 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 57.5% from the same period last year, reaching 0.30 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 8,795 ー 764 570 93.8 64.6 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 8,969 ー 462 342 56.3 40.1 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 10,747 ー 596 425 70.3 40.3 Nov 7, 2025 J-GAAP
YoY +19.8% － +29.0% +24.3% +24.8%

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 10,745 ー 595 425 72.7 25 Oct 27, 2025 J-GAAP
Apr - Sep, 2025 Results 10,747 ー 596 425 70.3 25 Nov 7, 2025 J-GAAP
Revision Rate +0.0% － +0.2% 0.0% -3.3%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 20,480 ー 1,420 1,100 188.3 50 May 9, 2025 J-GAAP
Mar, 2026 New 21,380 ー 1,480 1,100 188.3 50 Nov 7, 2025 J-GAAP
Revision Rate +4.4% － +4.2% 0.0% 0.0%

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 10,204 ー 690 638 105.0 25 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance 10,633 ー 884 675 115.5 25 Nov 7, 2025 J-GAAP
YoY +4.2% － +28.1% +5.8% +10.1%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 18,023 ー 1,182 1,056 173.9 50 May 10, 2024 J-GAAP
Mar, 2025 19,173 ー 1,152 980 161.2 50 May 9, 2025 J-GAAP
Mar, 2026 Guidance 21,380 ー 1,480 1,100 188.3 50 Nov 7, 2025 J-GAAP
YoY +11.5% － +28.5% +12.2% +16.8%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
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
Jan - Mar, 2025 5,224 ー 60 191 31.4 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 5,227 ー 292 223 36.8 0.0 Aug 8, 2025 J-GAAP
Jul - Sep, 2025 5,520 ー 304 202 33.4 0.0 Nov 7, 2025 J-GAAP
YoY +26.5% － +57.5% +188.6% +189.9%

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