The Bank Of Kochi, Ltd.
Notice Regarding Revision of Earnings Forecast
Consolidated earnings forecast for the cumulative period from April 1, 2026 to September 30, 2026 and the full-year forecast for the fiscal year ending March 2027 have been downwardly revised. Ordinary income and net income attributable to owners of the parent are expected to decline significantly (cumulative: △1,460 million yen; △1,070 million yen; full-year: △1,650 million yen; △1,470 million yen). The reasons for the revision are higher credit costs due to debt collection-related matters and changes in profitability structure due to the interest rate environment. However, the core business interest income is broadly on plan.
Key Figures
- Ordinary income (cumulative): △1,460 百万円
- Net income attributable to parents (cumulative): △1,070 百万円
- Earnings per share (interim): △33.48 円
AI要約
Overview of the earnings revision
This notice revises the earnings forecast announced on May 11, 2026. For the second-quarter cumulative period of the fiscal year ending March 2027, ordinary income is expected to be △1,460 million yen, net income attributable to owners of the parent is △1,070 million yen, and earnings per share is △33.48 yen. For the full year, ordinary income is 1,500 million yen, net income attributable to owners of the parent is 570 million yen, and earnings per share is 44.48 yen.
Reasons for the revision and outlook
The revision reflects higher provisioning costs for credit losses considering bank-level debtor collection risk, and a restructuring of profitability due to significant changes in the interest rate environment. This has led to an downward revision of the full-year outlook, but core business funds income remains broadly on plan. Investors should monitor the revised financial results, risk factors, and the impact of fluctuations in the interest rate environment.
Kochi Bank, Ltd.
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