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The Minami-Nippon Bank, First Half Ordinary Profit Decreases by 30%

Fri Nov 7, 2025 2:00 pm JST Earnings

8554 The Minami-Nippon Bank,Ltd. 【J-GAAP】

Earnings Report

The Minami-Nippon Bank,Ltd. <8554> [FSE] announced its financial results in the afternoon session on November 7th (14:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) dropped 30.1% from the same period last year to 1.40 billion yen. Progress toward the full-year plan of 1.80 billion yen was 78.2%, also surpassing the five-year average of 63.0%.

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 drop 46.7% from the same period last year to 0.39 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit significantly dropped to 0.61 billion yen, a 52.1% decrease compared to the same period last year.

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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 7,309 ー 1,263 1,145 133.4 62.1 Nov 9, 2023 J-GAAP
Apr - Sep, 2024 8,517 ー 2,012 1,514 182.6 73.2 Nov 8, 2024 J-GAAP
Apr - Sep, 2025 8,100 ー 1,407 1,455 178.0 78.2 Nov 7, 2025 J-GAAP
YoY -4.9% － -30.1% -3.9% -2.5%

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 ー ー 1,380 1,430 184.3 0 Nov 5, 2025 J-GAAP
Apr - Sep, 2025 Results 8,100 ー 1,407 1,455 178.0 0 Nov 7, 2025 J-GAAP
Revision Rate － － +2.0% +1.7% -3.4%

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 8,000 ー 737 674 80.3 35 May 9, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 393 -255 -28.8 35 Nov 7, 2025 J-GAAP
YoY － － -46.7% － －

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 14,565 ー 2,035 1,613 183.8 30 May 10, 2024 J-GAAP
Mar, 2025 16,517 ー 2,749 2,188 260.6 35 May 9, 2025 J-GAAP
Mar, 2026 Guidance ー ー 1,800 1,200 135.6 35 May 9, 2025 J-GAAP
YoY － － -34.5% -45.2% -48.0%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 4,634 ー 1,273 1,027 123.9 0.0 Nov 8, 2024 J-GAAP
Oct - Dec, 2024 4,206 ー 496 308 36.9 0.0 Feb 5, 2025 J-GAAP
Jan - Mar, 2025 3,794 ー 241 366 43.6 0.0 May 9, 2025 J-GAAP
Apr - Jun, 2025 4,149 ー 797 775 95.2 0.0 Aug 6, 2025 J-GAAP
Jul - Sep, 2025 3,951 ー 610 680 83.2 0.0 Nov 7, 2025 J-GAAP
YoY -14.7% － -52.1% -33.8% -32.8%

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