For the third quarter of the fiscal year ending March 2026, standalone ordinary income was JPY 53.1 billion (YoY +JPY 9.4 billion), quarterly net income was JPY 40.6 billion (YoY +JPY 9.0 billion), with an achievement rate of 104.3% against earnings 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Bank","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-01-29","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/01\/8421-20260129-02.pdf","jir_short_summary":"For the third quarter of the fiscal year ending March 2026, standalone ordinary income was JPY 53.1 billion (YoY +JPY 9.4 billion), quarterly net income was JPY 40.6 billion (YoY +JPY 9.0 billion), with an achievement rate of 104.3% against earnings guidance.","jir_summary":"### Summary of Financial Performance\nFor the third quarter of the fiscal year ending March 2026, standalone ordinary income was JPY 53.1 billion, an increase of JPY 9.4 billion compared to the same period last year, and quarterly net income was JPY 40.6 billion, an increase of JPY 9.0 billion year-over-year. Consolidated ordinary income stood at JPY 47.7 billion, and consolidated quarterly net income attributable to owners of the parent was JPY 34.3 billion, both reflecting an increase from the prior year. Growth in loans and securities contributed to the revenue expansion. Meanwhile, the equity ratio decreased slightly year-over-year to 23.77% on a standalone basis and 23.10% on a consolidated basis.\n\n### Outlook and Dividend Policy\nThe earnings guidance for the fiscal year ending March 2026 projects standalone ordinary income of JPY 53.0 billion and net income of JPY 39.0 billion, slightly below the previous year's results. Dividends are planned to remain unchanged at JPY 3,000 for general ordinary contribution dividends, JPY 1,500 for specific ordinary contribution dividends, and JPY 6,500 for preferred contribution dividends. The mid-term management plan 'SCB Strategy 2025' targets net income attributable to owners of the parent of approximately JPY 45.0 billion and a consolidated equity ratio of over 15%.","jir_financial_highlights":"Standalone Ordinary Income: JPY 53.1 billion (YoY +JPY 9.4 billion (+21.5%))\nStandalone Quarterly Net Income: JPY 40.6 billion (YoY +JPY 9.0 billion (+28.4%))\nConsolidated Ordinary Income: JPY 47.7 billion (YoY +JPY 1.1 billion)\nConsolidated Quarterly Net Income Attributable to Owners of Parent: JPY 34.3 billion (YoY +JPY 1.1 billion (+3.3%))\nEquity Ratio (Standalone): 23.77 % (YoY -0.24pt)\nEquity Ratio (Consolidated): 23.10 % (YoY -0.30pt)\nLoans (Standalone): JPY 10,897.2 billion (YoY +JPY 1,610.1 billion)\nSecurities (Standalone): JPY 18,241.5 billion (YoY +JPY 1,164.8 billion)\nEarnings Guidance for Fiscal Year Ending March 2026 (Standalone Ordinary Income): JPY 53.0 billion (YoY -JPY 2.0 billion)\nEarnings Guidance for Fiscal Year Ending March 2026 (Standalone Net Income): JPY 39.0 billion (YoY -JPY 1.5 billion)\nDividend (General Ordinary Contribution Dividend): JPY 3,000 (Same as previous year)","jir_category":"","jir_hashtags":"#ShinkinCentralBank, #financial_summary, #JapaneseStocks","jir_key_figures":"Standalone Ordinary Income: JPY 53.1 billion (YoY +JPY 9.4 billion)\nStandalone Quarterly Net Income: JPY 40.6 billion (YoY +JPY 9.0 billion)\nLoans (Standalone): JPY 10,897.2 billion (YoY +JPY 1,610.1 billion)","jir_meta_title":"Shinkin Central Bank 3Q FY2026 Financial Results Ordinary Income JPY 53.1 Billion YoY Increase","jir_meta_description":"Shinkin Central Bank's 3Q FY2026 financial results show standalone ordinary income of JPY 53.1 billion and quarterly net income of JPY 40.6 billion, both increasing year-over-year. Growth in loans and securities contributed to robust performance. Dividend maintained.","jir_og_title":"Shinkin Central Bank Announces 3Q FY2026 Financial Results","jir_og_description":"3Q FY2026 ordinary income was JPY 53.1 billion and quarterly net income was JPY 40.6 billion, both increasing year-over-year. 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