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The Chikuho Bank, Apr-Dec (Cumulative 3Q) Ordinary Profit Decreases by 32%, Oct-Dec Ordinary Profit Decreases by 25%

Fri Feb 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 February 7th (15:30). The consolidated ordinary profit for the cumulative third quarter of the fiscal year ending March 2025 (April to December) dropped 31.9% from the same period last year to 1.09 billion yen. The progress rate toward the full-year plan of 1.26 billion yen was 86.7%, below the five-year average of 107.3%.

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 profit of 0.16 billion yen (compared to a loss of 0.42 billion yen in the same period last year).

In the most recent three-month period, from October to December (3Q), the consolidated ordinary profit decreased to 0.63 billion yen, a 25.0% decrease compared to the same period last year.

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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, 2022 12,842 ー 1,107 746 123.0 109.1 Feb 10, 2023 J-GAAP
Apr - Dec, 2023 13,600 ー 1,604 1,212 199.4 135.7 Feb 9, 2024 J-GAAP
Apr - Dec, 2024 13,949 ー 1,092 789 129.8 86.7 Feb 7, 2025 J-GAAP
YoY +2.6% － -31.9% -34.9% -34.9%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2023 9,228 ー 418 486 80.0 25 May 10, 2024 J-GAAP
Oct - Mar, 2024 Guidance 9,661 ー 798 568 93.4 25 Nov 8, 2024 J-GAAP
YoY +4.7% － +90.9% +16.9% +16.7%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2023 17,290 ー 1,015 603 99.4 50 May 12, 2023 J-GAAP
Mar, 2024 18,023 ー 1,182 1,056 173.9 50 May 10, 2024 J-GAAP
Mar, 2025 Guidance 18,630 ー 1,260 910 149.6 50 Nov 8, 2024 J-GAAP
YoY +3.4% － +6.6% -13.8% -13.9%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Oct - Dec, 2023 4,805 ー 840 642 105.6 0.0 Feb 9, 2024 J-GAAP
Jan - Mar, 2024 4,423 ー -422 -156 -25.7 0.0 May 10, 2024 J-GAAP
Apr - Jun, 2024 4,606 ー 269 272 44.8 0.0 Aug 9, 2024 J-GAAP
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
YoY +3.6% － -25.0% -30.4% -30.4%

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