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Awa Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 3%, Dividend Revised Upward by 20 Yen

Fri Nov 14, 2025 2:00 pm JST Earnings

8388 The Awa Bank,Ltd. 【J-GAAP】

Earnings Report

The Awa Bank,Ltd. <8388> [TSE Prime] announced its financial results in the afternoon session on November 14th (14:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 11.5% from the same period last year, reaching 11.6 billion yen.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 3.5%, from the previous forecast of 20.1 billion yen to 20.8 billion yen (compared to 17.8 billion yen in the previous period), increasing the growth rate from 12.5% to 16.5%.

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 23.5% from the same period last year, reaching 9.14 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 100 yen to 120 yen (compared to 95 yen in the previous period).

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 41.3% from the same period last year, reaching 6.34 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 38,104 ー 8,135 5,429 133.3 48.9 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 39,163 ー 10,457 7,225 180.6 58.5 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 47,411 ー 11,657 8,254 210.4 56.0 Nov 14, 2025 J-GAAP
YoY +21.1% － +11.5% +14.2% +16.5%

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 47,000 ー 11,500 7,900 202.3 50 Sep 25, 2025 J-GAAP
Apr - Sep, 2025 Results 47,411 ー 11,657 8,254 210.4 60 Nov 14, 2025 J-GAAP
Revision Rate +0.9% － +1.4% +4.5% +4.0%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 84,400 ー 20,100 14,000 358.5 100 Jul 25, 2025 J-GAAP
Mar, 2026 New 89,000 ー 20,800 14,500 371.3 120 Nov 14, 2025 J-GAAP
Revision Rate +5.5% － +3.5% +3.6% +3.6%

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 39,801 ー 7,404 5,977 149.8 50 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance 41,589 ー 9,143 6,246 159.9 60 Nov 14, 2025 J-GAAP
YoY +4.5% － +23.5% +4.5% +6.8%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 76,107 ー 16,624 11,263 277.3 75 May 10, 2024 J-GAAP
Mar, 2025 78,964 ー 17,861 13,202 330.9 95 May 9, 2025 J-GAAP
Mar, 2026 Guidance 89,000 ー 20,800 14,500 371.3 120 Nov 14, 2025 J-GAAP
YoY +12.7% － +16.5% +9.8% +12.2%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 19,393 ー 4,487 2,952 73.8 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 19,109 ー 3,159 2,760 69.1 0.0 Jan 31, 2025 J-GAAP
Jan - Mar, 2025 20,692 ー 4,245 3,217 80.6 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 21,849 ー 5,317 3,777 95.8 0.0 Jul 25, 2025 J-GAAP
Jul - Sep, 2025 25,562 ー 6,340 4,477 114.1 0.0 Nov 14, 2025 J-GAAP
YoY +31.8% － +41.3% +51.7% +54.6%

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