Source disclosure: January 30, 2026
The San-in Godo Bank,Ltd. [8381.T]
TOKYO — The San-in Godo Bank, Ltd., listed on the Tokyo Stock Exchange under code number 8381, reported its third quarter earnings for the fiscal year ending March 2026 on January 30, 2026. For the period from April 1, 2025 to December 31, 2025, the bank recorded significant growth across key performance indicators.
The bank's consolidated operating revenue reached ¥115,444 million, marking an increase of 19.8% compared to the same period last year when it was ¥96,307 million. Similarly, the consolidated operating income grew by 23.3%, rising to ¥23,922 million from ¥19,392 million in the corresponding quarter of the previous fiscal year. Net income attributable to shareholders of the parent company also saw substantial improvement, increasing by 27.6% to ¥16,776 million from ¥13,147 million in the prior-year period. On a per-share basis, diluted net income increased to ¥110.72 per share from ¥86.17 in the comparable quarter of the previous year.
Regarding the balance sheet, Shareholders' equity rose to ¥325,126 million from ¥312,568 million, leading to a slight increase in the capital adequacy ratio to 3.7% from 3.6%. These figures reflect the bank’s ongoing efforts to strengthen its financial position and maintain robust liquidity levels.
In terms of dividend policy, the bank has not yet declared dividends for the first two quarters of the current fiscal year but is expected to pay out ¥28.00 per share during the third quarter, bringing the annual dividend forecast to ¥56.00 per share for the full fiscal year 2026. This represents a 16.7% increase over the previous year's dividend payout of ¥48.00 per share. No revisions have been made to the dividend expectations since they were initially announced.
Looking ahead, the bank forecasts that for the entire fiscal year ending March 2026, consolidated operating revenue will reach ¥160,300 million, representing a 18.4% rise from the previous fiscal year. Operating income is anticipated to be ¥29,800 million, which is an 11.5% increase over the prior year. Furthermore, net income attributable to shareholders of the parent company is projected to grow by 12.0% to ¥21,000 million, translating to an estimated ¥138.59 per share. These projections indicate continued positive momentum and strategic growth initiatives aimed at sustaining profitability and shareholder value.
The bank's detailed quarterly report includes qualitative information about its operational and financial performance, along with supplementary explanatory materials covering various aspects such as asset-liability management, risk assessment, and regulatory compliance. Notably, no material changes have occurred in the scope of consolidation for this reporting period, nor have there been any adjustments due to unique accounting treatments applied specifically to the preparation of these interim financial statements. Additionally, there have been no changes in accounting policies or estimates affecting the reported results.
Note: Financial figures from the earnings presentation have been removed pending correction. For accurate figures, refer to the company's earnings summary (kessan tanshin) filed separately on TDNet.
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