The Toyama Bank, Ltd. (8365) Earnings: Ordinary Income Down -21.5% YoY to 506 Million Yen, Net Income Decreased by -6.9%

The Toyama Bank, Ltd. (8365) released its financial results, reporting that ordinary income decreased by -21.5% YoY to 506 million yen, and net income attributable to owners of the parent fell -6.9% YoY to 371 million yen. Meanwhile, ordinary revenue increased by +5.1% YoY to 3,726 million yen, securing top-line growth. Earnings per share (EPS) stood at 69.69 yen, while comprehensive income was 436 million yen, down -45.0% from the previous year.

Regarding financial and valuation metrics, the capital adequacy ratio is reported at 5.5%, highlighting the ongoing importance of capital management for regional financial institutions. Return on Equity (ROE) registered at 1.29% and Return on Assets (ROA) at 0.07%. Additionally, the bank maintains retained earnings of 15.76 billion yen, providing a solid internal reserve base as management focuses on enhancing profitability and capital efficiency going forward.