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Ordinary income, reflecting merger effects, remained steady; merger-related integration costs peak at 3.9 billion yen in the interim of the fiscal year ending March 2027 and are expected to decline substantially thereafter. Emphasis on progress of Medium-term Management Plan II and early realization of integration synergies.","jir_summary":"### Summary\nThe interim results for the fiscal year ending March 2027 recorded consolidated net income of 7.1 billion yen (YoY +4.8 billion yen) and standalone net income of 9.1 billion yen (YoY +1.9 billion yen), achieving record profits. Reflecting merger effects, core business growth and nimble management of the securities portfolio supported steady ordinary income. Merger-related integration costs are expected to peak at 3.9 billion yen in the interim of the fiscal year ending March 2027, but are projected to decline sharply in the second half. Emphasis was placed on progress under Medium-term Management Plan II and the early realization of integration synergies.\n\n### Outlook and Impact for Investors\nThrough the interim results for the fiscal year ending March 2027, the Group has shown both integration benefits and core business improvement. After the post-merger '150 days of integration' and '180 days toward evolution', the Bank will continue to grow core business net income and adjust asset management in response to financial market changes. The Bank plans to steadily implement tactics under Medium-term Management Plan II and advance capital policy and human capital investments toward achieving targets for the fiscal year ending March 2029.","jir_financial_highlights":"Consolidated interim net income \/ Interim net income: 71 (YoY +48)\nStandalone interim net income: 91 (YoY +19)\nOrdinary income: 134 (YoY +47)\nMerger integration costs: 33 (YoY +19 (however increase expected in second half))\nInterest income on loans: Unknown (Increase YoY)","jir_category":"","jir_hashtags":"#TheFukuiBank, #InterimResults, #IntegrationSynergy, #MediumTermManagementPlanII","jir_key_figures":"Consolidated interim net income \/ Interim net income: 71 hundred million yen\nStandalone interim net income: 91 hundred million yen\nOrdinary income: 134 hundred million yen\nMerger integration costs: 33 hundred million yen (YoY +19 hundred million yen; peak in interim of fiscal 2027)\nMerger integration costs Peak: 39 hundred million yen (expected to decline substantially from second half)","jir_meta_title":"The Fukui Bank, Ltd. Interim Earnings Overview and Integration Effects | 2026\/11\/13","jir_meta_description":"Interim results for the fiscal year ending March 2027 from The Fukui Bank, Ltd.: consolidated net income 7.1 billion yen, standalone net income 9.1 billion yen, ordinary income 13.4 billion yen. Merger-related costs peak in the interim and are expected to decrease thereafter. Analysis of progress under Medium-term Management Plan II and integration effects.","jir_og_title":"The Fukui Bank, Ltd. Interim Earnings Overview and Integration Effects | 2026\/11\/13","jir_og_description":"The Fukui Bank, Ltd. posted record interim profits. 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