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Ogaki Kyoritsu Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 9%, Exceeded Record Profit Forecast, Dividend Revised Upward by 20 Yen

Fri Nov 7, 2025 4:00 pm JST Earnings

8361 The Ogaki Kyoritsu Bank, Ltd. 【J-GAAP】

Earnings Report

The Ogaki Kyoritsu Bank, Ltd. <8361> [TSE Prime] announced its financial results after the market closed on November 7th (16:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) expanded 11.1 billion yen, an increase 85.5% compared to the same period last year.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 8.7%, from the previous forecast of 22.9 billion yen to 24.9 billion yen (compared to 20.7 billion yen in the previous period), increasing the growth rate from 10.1% to 19.8%. The company has further increased its previous forecast of record profits for the first time in ten years.

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 decrease 7.0% from the same period last year to 13.7 billion yen.

In light of the strong performance, the company has increased its planned annual dividend for the current fiscal year from the original plan of 90 yen to 110 yen (compared to 90 yen in the previous period).

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit surged 3.1 times that of the same period last year, reaching 5.32 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 63,482 ー 5,031 3,441 82.7 34.9 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 63,058 ー 6,022 4,338 104.2 29.0 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 72,406 ー 11,169 7,747 186.1 44.9 Nov 7, 2025 J-GAAP
YoY +14.8% － +85.5% +78.6% +78.6%

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 ー ー 9,800 6,100 146.5 45 May 9, 2025 J-GAAP
Apr - Sep, 2025 Results 72,406 ー 11,169 7,747 186.1 55 Nov 7, 2025 J-GAAP
Revision Rate － － +14.0% +27.0% +27.0%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev ー ー 22,900 15,000 360.3 90 May 9, 2025 J-GAAP
Mar, 2026 New ー ー 24,900 17,100 410.7 110 Nov 7, 2025 J-GAAP
Revision Rate － － +8.7% +14.0% +14.0%

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 68,302 ー 14,770 10,380 249.3 55 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 13,731 9,353 224.7 55 Nov 7, 2025 J-GAAP
YoY － － -7.0% -9.9% -9.9%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 134,138 ー 14,429 9,471 227.5 70 May 10, 2024 J-GAAP
Mar, 2025 131,360 ー 20,792 14,718 353.5 90 May 9, 2025 J-GAAP
Mar, 2026 Guidance ー ー 24,900 17,100 410.7 110 Nov 7, 2025 J-GAAP
YoY － － +19.8% +16.2% +16.2%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 30,672 ー 1,720 1,203 28.9 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 31,936 ー 5,531 3,995 96.0 0.0 Feb 10, 2025 J-GAAP
Jan - Mar, 2025 36,366 ー 9,239 6,385 153.4 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 34,232 ー 5,845 4,121 99.0 0.0 Aug 8, 2025 J-GAAP
Jul - Sep, 2025 38,174 ー 5,324 3,626 87.1 0.0 Nov 7, 2025 J-GAAP
YoY +24.5% － +209.5% +201.4% +201.4%

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