Note:This document has been translated from a part of the Japanese original for reference purposes only. In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.
February 3, 2026
Consolidated Summary Report for the Nine Months Ended December 31, 2025 (Under Japanese GAAP)
Company name: The Hyakujushi Bank, Ltd. Listing: Tokyo Stock Exchange
Securities code: 8386
URL: https://www.114bank.co.jp/
Representative: Masashi Mori Representative Director, President
Inquiries: Takayuki Muramatsu Executive Officer and General Manager, Corporate Planning Division Telephone: +81-87-836-2721
Scheduled date to commence dividend payments: -Trading accounts: None
Preparation of supplementary material on financial results: Yes Holding of financial results briefing: None
(Yen amounts are rounded down to millions, unless otherwise noted.)
-
Consolidated financial results for the nine months ended December 31, 2025 (from April 1, 2025 to December 31, 2025)
-
Consolidated operating results (cumulative) (Percentages indicate year-on-year changes.)
Ordinary income
Ordinary profit
Profit attributable to owners of parent
Nine months ended
December 31, 2025
December 31, 2024
Millions of yen
78,913
63,557
%
24.2
4.2
Millions of yen
21,137
15,667
%
34.9
42.6
Millions of yen
13,375
9,990
%
33.9
42.6
Note: Comprehensive income
For the nine months ended December 31, 2025:
¥
39,940 million [
545.4%]
For the nine months ended December 31, 2024:
¥
6,188 million [
(75.4) %]
Basic earnings per share
Diluted earnings per share
Nine months ended
Yen
Yen
December 31, 2025
470.57
470.52
December 31, 2024
350.72
350.67
- Consolidated financial position
Total assets
Net assets
Equity-to-asset ratio
As of
December 31, 2025
March 31, 2025
Millions of yen
5,808,530
5,753,583
Millions of yen
361,675
328,273
%
6.2
5.7
Reference: Equity
As of December 31, 2025:
¥
361,667 million
As of March 31, 2025:
¥
328,265 million
-
Consolidated operating results (cumulative) (Percentages indicate year-on-year changes.)
-
Cash dividends
Annual dividends per share
First quarter-end
Second quarter-end
Third quarter-end
Fiscal year-end
Total
Yen
Yen
Yen
Yen
Yen
Fiscal year ended March 31, 2025
-
60.00
-
85.00
145.00
Fiscal year ending March 31, 2026
-
108.00
-
Fiscal year ending March 31, 2026
(Forecast)
108.00
216.00
Note: Revisions to the forecast of cash dividends most recently announced: None Note: Breakdown of the third quarter dividend for the fiscal year ending March 31, 2026 :
Commemorative dividend - yen
Special dividend - yen
- Consolidated financial result forecasts for the fiscal year ending March 31, 2026 (from April 1, 2025 to March 31, 2026)
(Percentages indicate year-on-year changes.)
Ordinary income | Ordinary profit | Profit attributable to owners of parent | Basic earnings per share | ||||
Full year | Millions of yen 100,000 | % 11.1 | Millions of yen 26,500 | % 33.1 | Millions of yen 17,500 | % 27.7 | Yen 618.97 |
Note: Revisions to the financial result forecast most recently announced: | None | |
* Notes | ||
(1) Significant changes in the scope of consolidation during the period: Newly included: - companies( | None | ) |
Excluded: - companies( | ) |
Adoption of accounting treatment specific to the preparation of quarterly consolidated financial statements: Yes
Changes in accounting policies, changes in accounting estimates, and restatement
Changes in accounting policies due to revisions to accounting standards and other regulations: None
Changes in accounting policies due to other reasons: None
Changes in accounting estimates: None
Restatement: None
Number of issued shares (common shares)
Total number of issued shares at the end of the period (including treasury shares)
As of December 31, 2025
28,630,000 shares
As of March 31, 2025
28,630,000 shares
Number of treasury shares at the end of the period
As of December 31, 2025
357,451 shares
As of March 31, 2025
209,624 shares
Average number of shares outstanding during the period (cumulative from the beginning of the fiscal year)
Nine months ended December 31, 2025 | 28,423,884 shares |
Nine months ended December 31, 2024 | 28,485,912 shares |
Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: None
Proper use of earnings forecasts, and other special matters
The forecasts above were prepared based on information available as of the date of publication of this document. Actual financial results may differ from the forecast figures due to various factors in the future.
Quarterly Consolidated Financial Statements Quarterly Consolidated Balance Sheet
(Millions of yen) As of March 31, 2025 As of December 31, 2025
Assets | ||
Cash and due from banks | 861,929 | 879,868 |
Call loans and bills bought | 1,644 | 4,931 |
Monetary claims bought | 25,488 | 26,182 |
Securities | 1,189,932 | 1,080,931 |
Loans and bills discounted | 3,506,645 | 3,649,946 |
Foreign exchanges | 4,373 | 4,306 |
Lease receivables and investments in leases | 20,665 | 23,954 |
Other assets | 64,452 | 59,397 |
Tangible fixed assets | 37,520 | 37,641 |
Intangible fixed assets | 5,407 | 6,098 |
Retirement benefit asset | 35,377 | 35,876 |
Deferred tax assets | 732 | 732 |
Customers' liabilities for acceptances and guarantees | 17,702 | 17,378 |
Allowance for loan losses | (18,289) | (18,715) |
Total assets | 5,753,583 | 5,808,530 |
Liabilities | ||
Deposits | 4,572,471 | 4,618,981 |
Negotiable certificates of deposit | 122,569 | 183,143 |
Call money and bills sold | 8,286 | 921 |
Borrowed money | 613,505 | 519,279 |
Foreign exchanges | 181 | 286 |
Other liabilities | 66,679 | 71,066 |
Provision for bonuses for directors (and other officers) | 70 | - |
Retirement benefit liability | 275 | 287 |
Provision for retirement benefits for directors (and other officers) | 34 | 43 |
Provision for reimbursement of deposits | 174 | 142 |
Provision for contingent loss | 156 | 159 |
Provision for share-based compensation | 216 | 187 |
Deferred tax liabilities | 17,865 | 29,975 |
Deferred tax liabilities for land revaluation | 5,118 | 5,002 |
Acceptances and guarantees | 17,702 | 17,378 |
Total liabilities | 5,425,309 | 5,446,854 |
(Millions of yen) As of March 31, 2025 As of December 31, 2025
Net assets | ||
Share capital | 37,322 | 37,322 |
Capital surplus | 30,486 | 30,486 |
Retained earnings | 204,899 | 213,019 |
Treasury shares | (565) | (1,597) |
Total shareholders' equity | 272,143 | 279,230 |
Valuation difference on available-for-sale securities | 35,766 | 63,155 |
Deferred gains or losses on hedges | (16) | 19 |
Revaluation reserve for land | 7,593 | 7,342 |
Remeasurements of defined benefit plans | 12,778 | 11,919 |
Total accumulated other comprehensive income | 56,121 | 82,436 |
Share acquisition rights | 8 | 8 |
Total net assets | 328,273 | 361,675 |
Total liabilities and net assets | 5,753,583 | 5,808,530 |
Quarterly Consolidated Statements of Income and Comprehensive Income
Quarterly Consolidated Statement of Income
For the Nine-Month Period | ||
(Millions of yen) | ||
For the nine months ended December 31, 2024 | For the nine months ended December 31, 2025 | |
Ordinary income | 63,557 | 78,913 |
Interest income | 42,106 | 50,159 |
Interest on loans and discounts | 30,470 | 33,907 |
Interest and dividends on securities | 9,675 | 12,160 |
Trust fees | - | 0 |
Fees and commissions | 9,285 | 10,139 |
Other ordinary income | 3,921 | 3,962 |
Other income | 8,243 | 14,651 |
Ordinary expenses | 47,890 | 57,775 |
Interest expenses | 10,757 | 12,367 |
Interest on deposits | 4,568 | 8,399 |
Fees and commissions payments | 2,848 | 3,007 |
Other ordinary expenses | 2,856 | 7,601 |
General and administrative expenses | 24,642 | 26,404 |
Other expenses | 6,784 | 8,396 |
Ordinary profit | 15,667 | 21,137 |
Extraordinary income | 18 | 53 |
Gain on disposal of non-current assets | 18 | 53 |
Extraordinary losses | 198 | 424 |
Loss on disposal of non-current assets | 146 | 137 |
Impairment losses | 52 | 286 |
Profit before income taxes | 15,487 | 20,766 |
Income taxes | 5,496 | 7,390 |
Profit | 9,990 | 13,375 |
Profit attributable to owners of parent | 9,990 | 13,375 |
Quarterly Consolidated Statement of Comprehensive Income
For the Nine-Month Period | ||
(Millions of yen) | ||
For the nine months ended December 31, 2024 | For the nine months ended December 31, 2025 | |
Profit | 9,990 | 13,375 |
Other comprehensive income | (3,801) | 26,565 |
Valuation difference on available-for-sale securities | (2,786) | 27,389 |
Deferred gains or losses on hedges | (169) | 36 |
Remeasurements of defined benefit plans, net of tax | (845) | (859) |
Comprehensive income | 6,188 | 39,940 |
Comprehensive income attributable to | ||
Comprehensive income attributable to owners of parent
6,188 39,940
Financial Results for the Nine Months Ended December 31, 2025 - Supplementary Information -Results of Operations (Non-consolidated)
(Millions of yen)
Nine months ended December 31,
2024
(A)
Nine months
ended
December 31,
2025 (B)
Change (B)－(A)
YoY
(％)
Ordinary income
57,173
72,384
15,211
26.6
Core gross business income
①
40,086
47,253
7,167
17.9
Net interest income
31,548
38,075
6,527
20.7
Net fees and commissions
4,720
5,289
569
12.1
Net other operating income
(excluding gains/losses related to bonds)
3,817
3,888
71
1.9
Expenses
②
24,296
26,087
1,791
7.4
Core net business income①－②
15,789
21,166
5,377
34.1
Core net business income (excluding gains
/losses on cancellation of investment trusts)
14,369
17,616
3,247
22.6
Gains/losses related to bonds
③
-2,752
-7,527
-4,775
-
Net business income (including provision for general reserve for possible loan losses) ①－②＋③
13,037
13,639
602
4.6
Provision for general reserve for ④
possible loan losses
26
-1,074
-1,100
-
Net business income
①－②＋③－④
13,010
14,713
1,703
13.1
Non-recurring gains/losses
1,697
5,396
3,699
218.0
Expenses for disposal of non-performing loans
⑤
2,123
4,814
2,691
126.8
Write-off of loans
542
1,387
845
155.9
Provision for specific reserve for
possible loan losses
1,418
3,282
1,864
131.5
Gain on reversal of reserve for ⑥
possible loan losses
-
-
-
-
Recoveries of written-off
claims
⑦
353
352
-1
-0.3
Gains/losses related to stocks
and other securities
2,018
8,192
6,174
305.9
Other non-recurring gains/losses
1,448
1,665
217
15.0
Ordinary profit
14,707
20,109
5,402
36.7
Extraordinary gains/losses
-183
-395
-212
-
Total income taxes
4,988
6,847
1,859
37.3
Profit
9,534
12,866
3,332
34.9
Financial results forecasts for fiscal 2025
90,000
25,000
16,500
Gains/losses related to securities
③＋
-734
664
1,398
-
Credit-related costs
④＋⑤－⑥－⑦
1,796
3,386
1,590
88.5
Balance of Deposits, etc. and Assets in Custody (Non-consolidated)
(Millions of yen) 【Reference】 (Millions of yen)
As of December 31, 2025
Compared to Dec.
31, 2024
Compared to Mar.
31, 2025
Balance of deposits, etc.
4,818,564
100,829
107,324
Individuals
2,671,389
-39,661
10,789
Corporates
1,993,464
129,487
136,335
Public sectors
153,710
11,003
-39,801
As of December 31, 2024
As of March 31, 2025
4,717,735
4,711,240
2,711,050
2,660,600
1,863,977
1,857,129
142,707
193,511
(Millions of yen) 【Reference】 (Millions of yen)
As of December 31, 2025
Compared to Dec.
31, 2024
Compared to Mar.
31, 2025
Balance of assets in custody
430,932
54,237
53,915
Investment trusts
173,299
37,799
35,685
Single-premium insurance
246,101
15,171
16,480
Financial
instruments intermediary
11,530
1,265
1,750
As of December 31, 2024
As of March 31, 2025
376,695
377,017
135,500
137,614
230,930
229,621
10,265
9,780
Status of Loans (Non-consolidated)
As of December 31, 2024
As of March 31, 2025
3,528,552
3,512,819
601,900
604,266
569,071
570,365
2,697,010
2,679,970
229,642
228,583
As of December
31, 2025
Compared to Dec.
31, 2024
Compared to Mar.
31, 2025
Loans
3,658,321
129,769
145,502
Loans to individuals
623,298
21,398
19,032
Housing loans
588,234
19,163
17,869
Loans to corporates
2,815,455
118,445
135,485
Loans to public sectors
219,568
-10,074
-9,015
Loans to small and
medium-sized enterprises, etc.
2,592,754
80,654
79,679
Ratio of loans to small and medium-sized enterprises, etc.
70.87%
-0.32pt
-0.67pt
Loans guaranteed by Credit Guarantee Corporation
166,846
-9,972
-7,156
2,512,100
2,513,075
71.19%
71.54%
176,818
174,002
(Millions of yen) 【Reference】 (Millions of yen)
Status of Loans Based on the Financial Reconstruction Act (Non-consolidated)
(Millions of yen) 【Reference】 (Millions of yen)
Loans Based on the Financial Reconstruction Act
As of December 31, 2025
As of December 31, 2024
As of March 31, 2025
Compared to Dec.
31, 2024
Compared to Mar.
31, 2025
Claims against bankrupt and
substantially bankrupt debtors
4,351
296
182
4,055
4,169
Doubtful claims
30,000
4,303
4,536
25,697
25,464
Substandard claims
14,176
-3,477
-3,130
17,653
17,306
Subtotal
48,529
1,123
1,588
47,406
46,941
Normal claims
3,647,197
125,275
141,502
3,521,922
3,505,695
Total
3,695,726
126,398
143,090
3,569,328
3,552,636
Non-performing loan ratio
1.31%
-0.01pt
-0.01pt
1.32%
1.32%
Unrealized Gains/Losses on Available-for-sale Securities (Non-consolidated)
(Millions of yen) 【Reference】 (Millions of yen)
As of December 31, 2025
Unrealized gains/losses
Compared to Dec. 31,
2024
Compared to Mar. 31,
2025
Gains
Losses
Available-for-sale securities
90,916
24,270
39,687
126,796
35,880
Stocks
123,829
21,133
32,638
123,829
-
Bonds
-31,662
-7,171
-1,163
-
31,662
Others
-1,250
10,308
8,213
2,967
4,218
As of December 31, 2024
As of March 31, 2025
Unrealized gains/losses
Unrealized gains/losses
Gains
Losses
Gains
Losses
66,646
105,292
38,645
51,229
93,690
42,461
102,696
103,096
400
91,191
91,810
618
-24,491
9
24,500
-30,499
0
30,499
-11,558
2,186
13,744
-9,463
1,880
11,343
Capital Ratio (Domestic Standard)
（１） Consolidated capital ratio (Domestic Standard)
(Millions of yen) 【Reference】 (Millions of yen)
As of December 31, 2025 | |||
Compared to Dec. 31, 2024 | Compared to Mar. 31, 2025 | ||
①Consolidated capital ratio (②/③) | 9.43% | 0.37pt | 0.10pt |
②Consolidated total capital | 270,732 | 7,504 | 6,833 |
③Risk-weighted assets | 2,870,597 | -33,616 | 44,223 |
④Consolidated total required capital | 114,823 | -1,345 | 1,769 |
As of December 31, 2024 | As of March 31, 2025 |
9.06% | 9.33% |
263,228 | 263,899 |
2,904,213 | 2,826,374 |
116,168 | 113,054 |
（２） Non-consolidated capital ratio (Domestic Standard)
(Millions of yen) 【Reference】 (Millions of yen)
As of December 31, 2025 | |||
Compared to Dec. 31, 2024 | Compared to Mar. 31, 2025 | ||
①Capital ratio (②/③) | 8.87% | 0.33pt | 0.09pt |
②Non-consolidated total capital | 252,499 | 6,519 | 6,251 |
③Risk-weighted assets | 2,846,074 | -33,341 | 43,155 |
④Non-consolidated total required capital | 113,842 | -1,334 | 1,726 |
As of December 31, 2024 | As of March 31, 2025 |
8.54% | 8.78% |
245,980 | 246,248 |
2,879,415 | 2,802,919 |
115,176 | 112,116 |