The Tochigi Bank, Ltd.
FY2026 Q3 Financial Results Presentation
For the fiscal year ending December 2025, ordinary income was 39 billion yen (YoY +4.8 billion yen), ordinary profit was 8.2 billion yen (YoY +3 billion yen), and quarterly net income was 7 billion yen (YoY +3.3 billion yen), with progress toward the full-year earnings guidance approximately between 77% and 91%.
Key Figures
- Ordinary Income: 39 billion yen (YoY +4.8 billion yen, 13.9% increase)
- Operating Income: 8.2 billion yen (YoY +3 billion yen, 58.9% increase)
- Quarterly Net Income Attributable to Owners of Parent: 7 billion yen (YoY +3.3 billion yen, 86.4% increase)
AI要約
Overview of Performance
For the fiscal year ending December 2025, consolidated ordinary income was 39 billion yen (13.9% YoY increase), ordinary profit was 8.2 billion yen (58.9% YoY increase), and quarterly net income attributable to owners of the parent was 7 billion yen (86.4% YoY increase). These results were driven by increased fund income and reduced losses on securities sales. The consolidated capital adequacy ratio was stable at 10.11% compared to the previous year. On a standalone basis, deposit balances rose to 3.2137 trillion yen (YoY +92.6 billion yen), loan balances increased to 2.4659 trillion yen (YoY +273.1 billion yen), and securities balances grew to 432.7 billion yen (YoY +56.4 billion yen).
Trend and Soundness of Fund Income
Fund income reached 26.4 billion yen (32.9% YoY increase), primarily due to higher interest income from loans and deposits. Although expenses increased, they were offset by the rise in ordinary profit. Deposits grew across both individual and corporate clients, with 81.0% of customers based within Tochigi Prefecture. The non-performing loan ratio improved, declining by 0.14 points to 1.98%, indicating enhanced financial soundness.
