For the second quarter (interim) of the fiscal year ending March 2027, consolidated ordinary income was 115,027 million yen, ordinary profit was 21,050 million yen, and interim net income attributable to owners of parent was 13,317 million yen. Full-year forecasts were revised: for FY ending March 2027, consolidated ordinary income is projected at 238,500 million yen, ordinary profit at 38,000 million yen, and net income at 23,000 million yen. By segment, domestic operations remained solid, credit card and e-money businesses face profitability improvement challenges, and overseas operations contributed to revenue. 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Full-year forecasts were revised: for FY ending March 2027, consolidated ordinary income is projected at 238,500 million yen, ordinary profit at 38,000 million yen, and net income at 23,000 million yen. By segment, domestic operations remained solid, credit card and e-money businesses face profitability improvement challenges, and overseas operations contributed to revenue. Depreciation expense decreased due to a revision of useful lives.","jir_summary":"### Performance Overview\nSeven Bank, Ltd. reported consolidated results for the second quarter of the fiscal year ending March 2027 with ordinary income of 115,027 million yen, ordinary profit of 21,050 million yen, and interim net income attributable to owners of parent of 13,317 million yen. By segment, domestic operations progressed steadily with increases in ATM usage transactions and ATM installations. Meanwhile, the credit card and e-money business faces challenges in improving earnings stability, and overseas operations made a certain contribution to revenue. A change in useful lives led to lower depreciation expense, which boosted ordinary profit.\n\n### Outlook and Capital Policy\nFull-year forecasts were revised: for the fiscal year ending March 2027, consolidated ordinary income is projected at 238,500 million yen, ordinary profit at 38,000 million yen, and net income at 23,000 million yen. The benefit of reduced depreciation expense from the change in useful lives may continue, and the level of assets such as ATM and cash management assets will affect future performance. By segment, focus will be on measures to improve the credit card and e-money businesses and expansion of overseas operations, supported by stable domestic growth.","jir_financial_highlights":"Ordinary Income: 115,027 (Year-over-Year (YoY) 6.9% increase)\nOrdinary Profit: 21,050 (Year-over-Year (YoY) 42.0% increase)\nInterim Net Income Attributable to Owners of Parent: 13,317 (Year-over-Year (YoY) 33.6% increase)\nInterim Net Income per Share: 13.40 yen (Unknown)\nTotal Assets: 1,546,154 (Compared with previous fiscal year +410)\nEquity Ratio: 18.5% (Compared with previous fiscal year +0.4 points)","jir_category":"","jir_hashtags":"#SevenBank, #Earnings, #DomesticBusiness, #ATM, #Interim","jir_key_figures":"Ordinary Income: 115,027 million yen (Year-over-Year 6.9% increase)\nOrdinary Profit: 21,050 million yen (Year-over-Year 42.0% increase)\nInterim Net Income Attributable to Owners of Parent: 13,317 million yen (Year-over-Year 33.6% increase)","jir_meta_title":"Seven Bank, Ltd. - FY March 2027 Second Quarter Financial Summary | Revenue & Profit Trends and Outlook","jir_meta_description":"Second quarter consolidated results for Seven Bank, Ltd. Ordinary income: 115,027 million yen; ordinary profit: 21,050 million yen; net income: 13,317 million yen. Covers revised full-year forecasts, segment trends, and impact of useful-life changes on depreciation.","jir_og_title":"Seven Bank, Ltd. Key Points from FY March 2027 Second Quarter Results","jir_og_description":"Second quarter consolidated results for Seven Bank, Ltd., highlighting solid domestic ATM performance, trends in overseas and credit businesses, and effects of useful-life revisions.","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 of Ordinary Income\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2025\/4\\\",\\\"2025\/9\\\",\\\"2026\/4\\\",\\\"2026\/9\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Income\\\",\\\"data\\\":[107552,115027,? ,?]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"operating_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Trend of Ordinary Profit\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2025\/4\\\",\\\"2025\/9\\\",\\\"2026\/4\\\",\\\"2026\/9\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Profit\\\",\\\"data\\\":[14814,21050,?,?]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"segment_revenue_breakdown\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Ordinary Income by Segment\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Domestic Operations\\\",\\\"Credit Card & E-money Business\\\",\\\"Overseas Business\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Income\\\",\\\"data\\\":[77482,13112,25263]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"margin_analysis\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Trend of Segment Profit Margins\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Domestic\\\",\\\"Card & E-money\\\",\\\"Overseas\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Profit Margin\\\",\\\"data\\\":[? , ?, ?]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"guidance_comparison\", \"jir_chart_type\": \"table\", \"jir_chart_title\": \"Comparison of Full-year Forecasts and Results\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"table\\\",\\\"data\\\":{...}}\"}]","ir_related_company":8060,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-144199","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n