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Bank of Ryukyus, First Half Ordinary Profit Increases by 46%, Jul-Sep Ordinary Profit Increases by 81%

Tue Nov 11, 2025 10:30 am 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 morning on November 11th (10:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) expanded 7.41 billion yen, an increase 46.1% compared to the same period last year. Progress toward the full-year plan of 11.5 billion yen was 64.4%, almost the same as the five-year average of 61.6%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to grow 25.7% from the same period last year, reaching 4.08 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 81.5% from the same period last year, reaching 3.91 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 33,350 ー 5,385 3,866 92.9 63.7 Nov 8, 2023 J-GAAP
Apr - Sep, 2024 34,559 ー 5,074 3,509 84.8 60.9 Nov 12, 2024 J-GAAP
Apr - Sep, 2025 39,262 ー 7,411 5,285 128.9 64.4 Nov 11, 2025 J-GAAP
YoY +13.6% － +46.1% +50.6% +51.9%

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 7,411 5,285 128.9 27 Oct 24, 2025 J-GAAP
Apr - Sep, 2025 Results 39,262 ー 7,411 5,285 128.9 27 Nov 11, 2025 J-GAAP
Revision Rate － － 0.0% 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 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
Jul - Sep, 2024 16,790 ー 2,158 1,480 35.8 0.0 Nov 12, 2024 J-GAAP
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
YoY +17.9% － +81.5% +83.4% +85.0%

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