Published the interim financial summary for the second quarter of the fiscal year ending March 2027. Core net business income was 5,319 million yen, down 9.8% year-over-year. Improvement in investment income and partial realization of unrealized gains on equities supported an increase in ordinary income, and interim net income is expected to exceed forecasts. Full-year forecasts for the fiscal year ending March 2027 were revised upward, and the annual dividend was revised to 82 yen.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"price_fetched_at":"","company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"7184","jir_company_name":"The First Bank Of Toyama, Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-11-06","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/11\/7184-20261106-02.pdf","jir_short_summary":"Published the interim financial summary for the second quarter of the fiscal year ending March 2027. Core net business income was 5,319 million yen, down 9.8% year-over-year. Improvement in investment income and partial realization of unrealized gains on equities supported an increase in ordinary income, and interim net income is expected to exceed forecasts. Full-year forecasts for the fiscal year ending March 2027 were revised upward, and the annual dividend was revised to 82 yen.","jir_summary":"### Summary of Performance\nThe First Bank Of Toyama, Ltd. posted interim results for the fiscal year ending March 2027 in which core net business income declined year-on-year. However, improved investment income and partial realization of gains related to executive holdings supported an increase in ordinary income, leading to a half-year result near the highest level on record. Loans to local governments decreased while business and retail lending increased, with retail loans including mortgages remaining solid. Full-year forecasts were revised upward and the year-end dividend was raised to 82 yen.\n\n### Shareholder Returns and Outlook\nThe basic policy is to maintain a payout ratio of at least 35% and to conduct share buybacks flexibly and proactively. In the revised full-year forecasts announced on October 30, 2026, both ordinary income and net income were revised upward, bringing the full-year dividend closer to an annual level of 86 yen including the interim dividend of 41 yen. While maintaining capital policy and financial soundness, the bank aims to strengthen earnings power through increased system investments and expanded consulting services.","jir_financial_highlights":"Core Net Business Income: 5,319 million yen (Down 9.8% year-over-year)\nOrdinary Income: Unknown (Year-over-year change unknown, guidance revised upward)\nInterim Net Income: Unknown (Year-over-year change unknown, expected to exceed forecasts)\nNet Income Attributable to Owners of Parent (consolidated): Unknown (Related to full-year forecasts for the fiscal year ending March 2027)","jir_category":"","jir_hashtags":"#TheFirstBankOfToyama, #Earnings, #InterimResults, #DividendRevision, #CapitalPolicy","jir_key_figures":"Core Net Business Income: 5,319 million yen (Down 9.8% year-over-year)\nAnnual Dividend Amount: 82 yen (Revised forecast)\nInterim upward revision of performance forecasts (Improved outlook for ordinary income and net income)","jir_meta_title":"The First Bank Of Toyama, Ltd. Supplementary Financial Presentation Materials | Interim Results and Full-Year Revised Forecast","jir_meta_description":"Interim financial summary for the second quarter of fiscal year ending March 2027 for The First Bank Of Toyama, Ltd. Core net business income declined, but ordinary income and interim net income were revised upward. Improvements in investment income and realization of equity valuation gains contributed. Annual dividend expected to increase to 82 yen.","jir_og_title":"The First Bank Of Toyama, Ltd. | Supplementary Financial Presentation Materials: Interim Results and Dividend Revision","jir_og_description":"Key points from The First Bank Of Toyama, Ltd.'s supplementary financial presentation materials: trends in core net business income, upward revision to ordinary income, and increase in the annual dividend.","jir_og_image_url":"\/assets\/og\/company-financial_summary.jpg","jir_chart_data_collection":"[{\"jir_chart_id\": \"revenue_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Trend in Ordinary Income\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Fiscal Year Ending March 2025\\\",\\\"Interim FY2025\\\",\\\"Fiscal Year Ending March 2026\\\",\\\"Interim FY2026\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Income\\\",\\\"data\\\":[10547,12475,? ,?],\\\"borderColor\\\":\\\"#3e95cd\\\",\\\"fill\\\":false}]}}\"}, {\"jir_chart_id\": \"operating_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Trend in Core Net Business Income\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Fiscal Year Ending March 2025\\\",\\\"Interim FY2025\\\",\\\"Fiscal Year Ending March 2026\\\",\\\"Interim FY2026\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Core Net Business Income\\\",\\\"data\\\":[632, 634, 5319, 5319],\\\"borderColor\\\":\\\"#8e5ea2\\\",\\\"fill\\\":false}]}}\"}, {\"jir_chart_id\": \"margin_analysis\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Trend in Ordinary Income Ratio \/ Net Interest Margin\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Fiscal Year Ending March 2025\\\",\\\"Interim FY2025\\\",\\\"Fiscal Year Ending March 2026\\\",\\\"Interim FY2026\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Income Ratio\\\",\\\"data\\\":[2.88,2.30,2.28,2.28],\\\"borderColor\\\":\\\"#3cba9f\\\",\\\"fill\\\":false}]}}\"}]","ir_related_company":9478,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-142962","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n