Consolidated earnings forecast for the cumulative period from April 1, 2026 to September 30, 2026 and the full-year forecast for the fiscal year ending March 2027 have been downwardly revised. Ordinary income and net income attributable to owners of the parent are expected to decline significantly (cumulative: \u25b31,460 million yen; \u25b31,070 million yen; full-year: \u25b31,650 million yen; \u25b31,470 million yen). The reasons for the revision are higher credit costs due to debt collection-related matters and changes in profitability structure due to the interest rate environment. However, the core business interest income is broadly on plan.<\/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,"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":"8416","jir_company_name":"Kochi Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-08-07","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/08\/8416-20260807-01.pdf","jir_short_summary":"Consolidated earnings forecast for the cumulative period from April 1, 2026 to September 30, 2026 and the full-year forecast for the fiscal year ending March 2027 have been downwardly revised. Ordinary income and net income attributable to owners of the parent are expected to decline significantly (cumulative: \u25b31,460 million yen; \u25b31,070 million yen; full-year: \u25b31,650 million yen; \u25b31,470 million yen). The reasons for the revision are higher credit costs due to debt collection-related matters and changes in profitability structure due to the interest rate environment. However, the core business interest income is broadly on plan.","jir_summary":"### Overview of the earnings revision\nThis notice revises the earnings forecast announced on May 11, 2026. For the second-quarter cumulative period of the fiscal year ending March 2027, ordinary income is expected to be \u25b31,460 million yen, net income attributable to owners of the parent is \u25b31,070 million yen, and earnings per share is \u25b333.48 yen. For the full year, ordinary income is 1,500 million yen, net income attributable to owners of the parent is 570 million yen, and earnings per share is 44.48 yen.\n\n### Reasons for the revision and outlook\nThe revision reflects higher provisioning costs for credit losses considering bank-level debtor collection risk, and a restructuring of profitability due to significant changes in the interest rate environment. This has led to an downward revision of the full-year outlook, but core business funds income remains broadly on plan. Investors should monitor the revised financial results, risk factors, and the impact of fluctuations in the interest rate environment.","jir_financial_highlights":"Ordinary income (cumulative): \u25b31,460 \u767e\u4e07\u5186 (Compared with previous forecast)\nNet income attributable to parents (cumulative): \u25b31,070 \u767e\u4e07\u5186 (Compared with previous forecast)\nEarnings per share (up to interim): \u25b333.48 \u5186 (Compared with previous forecast)\nOrdinary income (full year): 1,500 \u767e\u4e07\u5186 (Compared with previous forecast)\nNet income attributable to owners of the parent (full year): 570 \u767e\u4e07\u5186 (Compared with previous forecast)\nEarnings per share (full year): 44.48 \u5186 (Compared with previous forecast)\nOrdinary income (cumulative): Unknown (Unknown)","jir_category":"","jir_hashtags":"#bank, #earnings_revision","jir_key_figures":"Ordinary income (cumulative): \u25b31,460 \u767e\u4e07\u5186\nNet income attributable to parents (cumulative): \u25b31,070 \u767e\u4e07\u5186\nEarnings per share (interim): \u25b333.48 \u5186","jir_meta_title":"Kochi Bank, Ltd. Earnings Forecast Revision | FY2027 March Period","jir_meta_description":"Kochi Bank, Ltd. revises its earnings forecast released in May 2026. Consolidated ordinary income and net income are expected to decline significantly for cumulative and full-year figures. The revision is due to increased credit costs and changes in the interest-rate environment. Please see IR materials for details.","jir_og_title":"Kochi Bank, Ltd. Earnings Forecast Revision","jir_og_description":"Kochi Bank revises down its earnings forecast for the FY2027 March period. The main impact indicators are decreases in ordinary income and net income. See details and background of the revision.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":58879,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"earnings_guidance","footnotes":""},"sector":[],"importance":[],"class_list":["post-99650","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n