For the third quarter of the fiscal year ending March 2026, consolidated ordinary income was 162.8 billion yen (YoY +2.1%), ordinary profit was 21.8 billion yen (YoY -5.6%), and quarterly net income attributable to owners of the parent was 8.7 billion yen (YoY 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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":"8410","jir_company_name":"Seven Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-02-06","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/02\/8410-20260206-03.pdf","jir_short_summary":"For the third quarter of the fiscal year ending March 2026, consolidated ordinary income was 162.8 billion yen (YoY +2.1%), ordinary profit was 21.8 billion yen (YoY -5.6%), and quarterly net income attributable to owners of the parent was 8.7 billion yen (YoY -41.6%).","jir_summary":"### Overview of Performance\nFor the third quarter of the fiscal year ending March 2026, consolidated ordinary income increased to 162.8 billion yen (YoY +2.1%), but ordinary profit declined to 21.8 billion yen (YoY -5.6%). Quarterly net income attributable to owners of the parent significantly decreased to 8.7 billion yen (YoY -41.6%), primarily due to special losses recorded in the credit card business. EBITDA rose to 45.5 billion yen (YoY +2.4%). Seven Bank standalone ordinary income was 107.5 billion yen (YoY +4.3%), ordinary profit was 21.2 billion yen (YoY -8.6%), and quarterly net income was 14.6 billion yen (YoY -4.5%).\n\n### Key Figures and Topics by Business Segment\nIn the domestic ATM business, although the number of units fell short of the plan, usage increased, with cumulative ATM usage in 3Q reaching 849 million transactions (YoY +25 million), and the number of ATMs at period-end was 28,383 units (YoY +535). In the domestic retail business, deposit balances grew to 670.7 billion yen (YoY +50.1 billion yen) supported by a fixed deposit campaign, and the number of accounts expanded steadily to 3,473 thousand accounts (YoY +207 thousand). The end-of-period balance of individual loan services increased to 74.6 billion yen (YoY +20.0 billion). From December 2025, the 'Smartphone ATM' service was launched for Rakuten Bank and is now provided to 26 banks. Additionally, the ATM counter service \u2018+Connect\u2019 received the Minister for Internal Affairs and Communications Award at the 5th Japan Service Awards.","jir_financial_highlights":"Ordinary Income: 162.8 billion yen (YoY +2.1%)\nOrdinary Expenses: 140.9 billion yen (YoY +3.3%)\nOrdinary Profit: 21.8 billion yen (YoY -5.6%)\nQuarterly Net Income Attributable to Owners of Parent: 8.7 billion yen (YoY -41.6%)\nEBITDA: 45.5 billion yen (YoY +2.4%)\nSeven Bank Standalone Ordinary Income: 107.5 billion yen (YoY +4.3%)\nSeven Bank Standalone Ordinary Profit: 21.2 billion yen (YoY -8.6%)\nSeven Bank Standalone Quarterly Net Income: 14.6 billion yen (YoY -4.5%)\nATM Usage (Cumulative 3Q): 849 million transactions (+25 million transactions)\nATM End-of-Period Number: 28,383 units (+535 units)\nNumber of Individual Accounts: 3,473 thousand accounts (+207 thousand accounts)\nIndividual Deposit Balance: 670.7 billion yen (+50.1 billion yen)\nIndividual Loan Service End-of-Period Balance: 74.6 billion yen (+20.0 billion yen)","jir_category":"","jir_hashtags":"#SevenBank, #FinancialResultsPresentation, #JapaneseStocks","jir_key_figures":"Consolidated Ordinary Income: 162.8 billion yen (YoY +2.1%)\nConsolidated Ordinary Profit: 21.8 billion yen (YoY -5.6%)\nQuarterly Net Income Attributable to Owners of Parent: 8.7 billion yen (YoY -41.6%)","jir_meta_title":"Seven Bank Fiscal Year March 2026 Third Quarter Financial Results - Ordinary Income at 162.8 Billion Yen Increases, Net Income Declines to 8.7 Billion Yen","jir_meta_description":"Seven Bank's fiscal year March 2026 third quarter financial results report consolidated ordinary income of 162.8 billion yen (YoY +2.1%), ordinary profit of 21.8 billion yen (YoY -5.6%), and quarterly net income of 8.7 billion yen (YoY -41.6%). ATM usage and deposit balances have also increased.","jir_og_title":"Seven Bank Fiscal Year 2026 Third Quarter Financial Results Announcement","jir_og_description":"Ordinary income increased to 162.8 billion yen, while net income declined to 8.7 billion yen. Increases in ATM usage and deposit balances were also reported.","jir_og_image_url":"\/assets\/og\/company-financial_summary.jpg","jir_chart_data_collection":"[{\"jir_chart_id\": \"revenue_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Consolidated Ordinary Income Trend (Cumulative 3Q)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY23 Cumulative 3Q\\\",\\\"FY24 Cumulative 3Q\\\",\\\"FY25 Cumulative 3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Income (billion yen)\\\",\\\"data\\\":[144.8,159.4,162.8],\\\"backgroundColor\\\":\\\"#008000\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"operating_profit_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Consolidated Ordinary Profit Trend (Cumulative 3Q)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY23 Cumulative 3Q\\\",\\\"FY24 Cumulative 3Q\\\",\\\"FY25 Cumulative 3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Profit (billion yen)\\\",\\\"data\\\":[22.9,23.1,21.8],\\\"backgroundColor\\\":\\\"#008000\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"net_profit_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Quarterly Net Income Attributable to Owners of Parent Trend (Cumulative 3Q)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY23 Cumulative 3Q\\\",\\\"FY24 Cumulative 3Q\\\",\\\"FY25 Cumulative 3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Quarterly Net Income (billion yen)\\\",\\\"data\\\":[36.5,14.9,8.7],\\\"backgroundColor\\\":\\\"#008000\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"atm_usage_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"ATM Usage Trend (Million Transactions)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY24 1Q\\\",\\\"FY24 2Q\\\",\\\"FY24 3Q\\\",\\\"FY25 1Q\\\",\\\"FY25 2Q\\\",\\\"FY25 3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"ATM Usage (million transactions)\\\",\\\"data\\\":[268,273,282,278,282,289],\\\"borderColor\\\":\\\"#008000\\\",\\\"fill\\\":false}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"atm_terminal_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"ATM End-of-Period Number Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY24 1Q\\\",\\\"FY24 2Q\\\",\\\"FY24 3Q\\\",\\\"FY25 1Q\\\",\\\"FY25 2Q\\\",\\\"FY25 3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Number within Seven-Eleven Stores\\\",\\\"data\\\":[22800,22855,22889,22970,22991,23100],\\\"backgroundColor\\\":\\\"#006400\\\"},{\\\"label\\\":\\\"Number outside Seven-Eleven Stores\\\",\\\"data\\\":[4804,4847,4959,5020,5091,5283],\\\"backgroundColor\\\":\\\"#90EE90\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"deposit_and_accounts_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Account Numbers and Deposit Balances Trend (Individual)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY24 1Q\\\",\\\"FY24 2Q\\\",\\\"FY24 3Q\\\",\\\"FY25 1Q\\\",\\\"FY25 2Q\\\",\\\"FY25 3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Number of Accounts (thousand accounts)\\\",\\\"data\\\":[3128,3175,3266,3359,3437,3473],\\\"backgroundColor\\\":\\\"#008000\\\"},{\\\"label\\\":\\\"Deposit Balance (billion yen)\\\",\\\"data\\\":[607.2,606.5,620.6,607.8,611.2,670.7],\\\"backgroundColor\\\":\\\"#90EE90\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"loan_balance_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Individual Loan Service End-of-Period Balance Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY24 1Q\\\",\\\"FY24 2Q\\\",\\\"FY24 3Q\\\",\\\"FY25 1Q\\\",\\\"FY25 2Q\\\",\\\"FY25 3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"End-of-Period Balance (billion yen)\\\",\\\"data\\\":[48.0,51.3,54.6,60.5,66.0,74.6],\\\"backgroundColor\\\":\\\"#008000\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}]","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-25709","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n