On a half-year basis for the fiscal year ending September 2026, core net business income increased year-over-year. This was influenced by higher interest income and movements in credit-related expenses. Full-year forecasts for the fiscal year ending March 2027 were revised upward. Net interest and dividend income from loans and securities increased, expanding interest income. Interim net income was 4.8 billion yen, +1.1 billion yen year-over-year.<\/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":"8338","jir_company_name":"Tsukuba Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-11-10","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/11\/8338-20261110-02.pdf","jir_short_summary":"On a half-year basis for the fiscal year ending September 2026, core net business income increased year-over-year. This was influenced by higher interest income and movements in credit-related expenses. Full-year forecasts for the fiscal year ending March 2027 were revised upward. Net interest and dividend income from loans and securities increased, expanding interest income. Interim net income was 4.8 billion yen, +1.1 billion yen year-over-year.","jir_summary":"### Performance Overview\nThe financial summary shows steady ordinary revenue supported by increased interest income, with core net business income reaching a record high. Interim net income was 4.8 billion yen (Year-over-Year +1.1 billion yen), aided by recording the return from the retirement benefit trust as a special gain.\n\n### Outlook and Impact for Investors\nFull-year forecasts for the fiscal year ending March 2027 have been revised upward. A continuing increase in loan interest and expansion of interest income are expected, which may contribute to an upward trend in ROE. The capital adequacy ratio is expected to remain stable.","jir_financial_highlights":"Ordinary Income: 3.6 billion yen (Year-over-Year -0.3 billion yen)\nInterim Net Income: 4.8 billion yen (Year-over-Year +1.1 billion yen)\nCore Net Business Income: 5.7 billion yen (Year-over-Year +0.1 billion yen)","jir_category":"","jir_hashtags":"#TsukubaBankResults, #IRResults, #InterimResults","jir_key_figures":"Loan Balance: 2,266.1 hundred million yen (vs. end of previous fiscal year +58.9 hundred million yen)\nDeposit Balance: 2,607.1 hundred million yen (vs. end of previous fiscal year +52.3 hundred million yen)\nInterim Net Income: 4.8 billion yen (Year-over-Year +1.1 billion yen)","jir_meta_title":"Tsukuba Bank, Ltd. Financial Summary | Fiscal Year Ending March 2027 Q2 Final","jir_meta_description":"Summary of Tsukuba Bank, Ltd.'s interim results for the fiscal year ending September 2026, including the upward revision to full-year forecasts for FY2027, trends in core net business income, interest income movements, and the status of ROE and capital adequacy\u2014concise key points for investors.","jir_og_title":"Tsukuba Bank, Ltd. Financial Summary | Fiscal Year Ending March 2027 Q2","jir_og_description":"Interim net income was 4.8 billion yen, +1.1 billion yen year-over-year. Discusses increases in interest income, trends in core net business income, and the upward revision to full-year forecasts to inform investment decisions.","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\": \"Ordinary Revenue Trend\", \"jir_chart_json_data\": \"\"}, {\"jir_chart_id\": \"operating_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Ordinary Income Trend\", \"jir_chart_json_data\": \"\"}, {\"jir_chart_id\": \"net_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Interim Net Income Trend\", \"jir_chart_json_data\": \"\"}, {\"jir_chart_id\": \"core_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Core Net Business Income Trend\", \"jir_chart_json_data\": \"\"}, {\"jir_chart_id\": \"funds_and_funds_risk\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Interest Income \/ Deposit Interest Trend\", \"jir_chart_json_data\": \"\"}]","ir_related_company":57001,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-146468","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n