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Bank of Ryukyus, Apr-Dec (Cumulative 3Q) Ordinary Profit Increases by 58%, Exceeds Full-Year Plan

Tue Feb 10, 2026 1:00 pm JST Earnings

8399 Bank of The Ryukyus,Limited 【J-GAAP】

Earnings Report

Bank of The Ryukyus,Limited <8399> [TSE Prime] announced its financial results in the afternoon session on February 10th (13:00). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2026 (April to December) expanded 11.5 billion yen, an increase 58.0% compared to the same period last year. Progress toward the full-year plan of 11.5 billion yen is 100.4%, already exceeding the target and also exceeding the five-year average of 85.6%.

Based on the cumulative third-quarter performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit/loss for the January to March period (4Q) is expected to turn into a loss of 0.04 billion yen (compared to a profit of 1.02 billion yen in the same period last year). However, if the fourth-quarter performance remains at the same level as the first three quarters, the full-year plan may be increased.

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit increased 85.1% from the same period last year, reaching 4.13 billion yen.

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Actual Results

Accumulated Results 3rd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Dec, 2023 49,611 ー 6,589 4,591 110.3 78.0 Feb 7, 2024 J-GAAP
Apr - Dec, 2024 51,593 ー 7,307 5,072 122.6 87.7 Feb 10, 2025 J-GAAP
Apr - Dec, 2025 60,004 ー 11,544 8,134 198.3 100.4 Feb 10, 2026 J-GAAP
YoY +16.3% － +58.0% +60.4% +61.8%

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 34,634 ー 3,254 2,242 54.2 19 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 4,089 2,715 66.2 27 Oct 24, 2025 J-GAAP
YoY － － +25.7% +21.1% +22.2%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 65,951 ー 8,452 5,651 135.7 37 May 10, 2024 J-GAAP
Mar, 2025 69,193 ー 8,328 5,751 139.0 38 May 13, 2025 J-GAAP
Mar, 2026 Guidance ー ー 11,500 8,000 195.1 54 Oct 24, 2025 J-GAAP
YoY － － +38.1% +39.1% +40.3%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2024 17,034 ー 2,233 1,563 37.8 0.0 Feb 10, 2025 J-GAAP
Jan - Mar, 2025 17,600 ー 1,021 679 16.4 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 19,469 ー 3,495 2,571 62.6 0.0 Aug 13, 2025 J-GAAP
Jul - Sep, 2025 19,793 ー 3,916 2,714 66.2 0.0 Nov 11, 2025 J-GAAP
Oct - Dec, 2025 20,742 ー 4,133 2,849 69.5 0.0 Feb 10, 2026 J-GAAP
YoY +21.8% － +85.1% +82.3% +83.9%

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