For the six-month period ended March 2027 (interim), consolidated results were: ordinary revenues 67,928 million yen, ordinary income 19,548 million yen, and net income attributable to owners of parent 13,169 million yen. Full-year earnings guidance remains unchanged from the time of announcement. Consolidated capital ratio was 4.1% and ROE was 10.6%, both steady. New business investments and increased lending drove customer service-related fee income to a record high for the interim period.<\/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":"8370","jir_company_name":"The Kiyo Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-11-09","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/11\/8370-20261109-01.pdf","jir_short_summary":"For the six-month period ended March 2027 (interim), consolidated results were: ordinary revenues 67,928 million yen, ordinary income 19,548 million yen, and net income attributable to owners of parent 13,169 million yen. Full-year earnings guidance remains unchanged from the time of announcement. Consolidated capital ratio was 4.1% and ROE was 10.6%, both steady. New business investments and increased lending drove customer service-related fee income to a record high for the interim period.","jir_summary":"### Performance Overview\nThe Kiyo Bank, Ltd. reported consolidated interim results for the six-month period ended March 2027: ordinary revenues of 67,928 million yen, ordinary income of 19,548 million yen, and net income attributable to owners of parent of 13,169 million yen. Compared with the same period last year, ordinary revenues rose 28.3%, ordinary income increased 40.7%, and interim net income rose 47.4%, delivering substantial profit growth. These results were driven by the effects of new internal investments, increased lending to small and medium-sized enterprises, and expanded fee income from service transactions.\n\n### Outlook and Capital Position\nThe consolidated capital ratio was 4.1% and ROE stood at 10.6%, maintaining the mid-term target range stably. There is no change to the earnings forecast published on May 14, 2026, with the assumed policy interest rate unchanged at 0.75%. Customer-facing service-related fee income reached a record high for the interim period, underscoring the strength of core earnings through enhanced branch and digital services.","jir_financial_highlights":"Ordinary Revenues: 67,928 million yen (Year-over-Year +28.3%)\nOrdinary Income: 19,548 million yen (Year-over-Year +40.7%)\nNet Income Attributable to Owners of Parent (Interim): 13,169 million yen (Year-over-Year +47.4%)\nCapital Ratio: 4.1% (vs. Prior Period 0.0%)\nROE (Consolidated): 10.6% (Compared with previous results)","jir_category":"","jir_hashtags":"#TheKiyoBank-Results, #InterimResults, #ROE, #CustomerServiceFeeIncome","jir_key_figures":"Ordinary Revenues 67,928 million yen (Year-over-Year +28.3%)\nOrdinary Income 19,548 million yen (Year-over-Year +40.7%)\nNet Income Attributable to Owners of Parent (Interim) 13,169 million yen (Year-over-Year +47.4%)","jir_meta_title":"The Kiyo Bank, Ltd. \u2014 Financial Summary for Six Months Ended March 2027 | Strong Interim Revenue and Profit Growth","jir_meta_description":"Financial summary for The Kiyo Bank, Ltd. for the six months ended March 2027: ordinary revenues 67,928 million yen, ordinary income 19,548 million yen, net income attributable to owners of parent 13,169 million yen. ROE 10.6%, capital ratio 4.1%. Outlook unchanged.","jir_og_title":"The Kiyo Bank, Ltd. | Financial Summary for Six Months Ended March 2027","jir_og_description":"The Kiyo Bank, Ltd. announces interim results. Revenue and profits significantly exceeded last year's levels and ROE remains above 10%. 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