For the interim period, consolidated ordinary income was 37,860 million yen, ordinary profit was 8,311 million yen, and net income attributable to owners of parent for the interim period was 5,882 million yen. Full-year forecast: ordinary income 66,000 million yen, ordinary profit 14,700 million yen, net income attributable to owners of parent 9,300 million yen. Dividend forecast: 65 yen per share at the end of Q2, 120 yen for the full year. Consolidated equity ratio was 7.90% (as of the end of September).<\/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":"8395","jir_company_name":"The Bank of Saga 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\/8395-20261106-01.pdf","jir_short_summary":"For the interim period, consolidated ordinary income was 37,860 million yen, ordinary profit was 8,311 million yen, and net income attributable to owners of parent for the interim period was 5,882 million yen. Full-year forecast: ordinary income 66,000 million yen, ordinary profit 14,700 million yen, net income attributable to owners of parent 9,300 million yen. Dividend forecast: 65 yen per share at the end of Q2, 120 yen for the full year. Consolidated equity ratio was 7.90% (as of the end of September).","jir_summary":"### Performance Overview\nThe second quarter interim results for the fiscal year ending March 2027 on a consolidated basis showed ordinary income of 37,860 million yen, ordinary profit of 8,311 million yen, and net income attributable to owners of parent for the interim period of 5,882 million yen, reflecting overall improvement from the same period last year. Despite market environment impacts, increases in loan interest income and gains on sales of securities contributed to the results. Supplementary explanatory materials for the financial results are available.\n\n### Outlook and Dividends\nThe full-year performance forecast has been announced as ordinary income of 66,000 million yen, ordinary profit of 14,700 million yen, and net income attributable to owners of parent of 9,300 million yen. Basic earnings per share for the full year are projected at 552.24 yen. Dividends are assumed to be 65 yen at the end of Q1 and 65 yen at the end of Q2, with a full-year total expected at 120 yen. Consolidated equity ratio is 7.90% (as of the end of September).","jir_financial_highlights":"Ordinary Income: 378,06,000,000 (YoY Increase 8,060 million yen)\nOrdinary Profit: 83,11,000,000 (YoY Increase 1,350 million yen)\nNet Income Attributable to Owners of Parent (Interim): 58,82,000,000 (YoY Increase 860 million yen)\nEquity Ratio (Consolidated): 7.90% (Change from Previous Fiscal Year-end -)","jir_category":"","jir_hashtags":"#TheBankofSaga, #FinancialResults, #InterimResults, #FinancialInstitution, #FiscalYear2027","jir_key_figures":"Ordinary Income: 37,860 million yen (YoY +26.8%)\nOrdinary Profit: 8,311 million yen (YoY +19.3%)\nNet Income Attributable to Owners of Parent (Interim): 5,882 million yen (YoY +8.6%)","jir_meta_title":"The Bank of Saga Ltd. Second Quarter Financial Summary for FY2027\uff5cRevenue and Profit Improved, Full-Year Forecast Maintained","jir_meta_description":"The Bank of Saga Ltd. reports FY2027 second quarter results: ordinary income 37.86 billion yen, ordinary profit 8.311 billion yen, net income 5.882 billion yen. Full-year forecast: 66,000 million yen and full-year dividend 120 yen. Equity ratio 7.90%.","jir_og_title":"The Bank of Saga Ltd. Announces Second Quarter Results for FY2027 with Key Figures","jir_og_description":"The Bank of Saga Ltd. published its FY2027 second quarter financial results. Revenue and profits exceeded the prior year, and full-year forecasts and dividend policy are maintained. See the main text for detailed figures.","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\": \"Revenue Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2026-04\\\",\\\"2026-09\\\",\\\"2027-03\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Income\\\",\\\"data\\\":[378.6,376.0,600.0]}]}}\"}, {\"jir_chart_id\": \"operating_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Ordinary Profit Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2026-04\\\",\\\"2026-09\\\",\\\"2027-03\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Profit\\\",\\\"data\\\":[83.11,64.0,147.0]}]}}\"}, {\"jir_chart_id\": \"net_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Net Income Attributable to Owners of Parent (Interim) Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2026-04\\\",\\\"2026-09\\\",\\\"2027-03\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Interim Net Income\\\",\\\"data\\\":[58.82,58.0,93.0]}]}}\"}, {\"jir_chart_id\": \"roe\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"ROE\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2026-09\\\",\\\"2027-03\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"ROE\\\",\\\"data\\\":[8.0,8.0]}]}}\"}]","ir_related_company":16980,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-142965","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n