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December, 2025
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(Securities code: 5844)
Business Performance Overview
Financial Results Summary of 1H FY2025 3
4
Financial Results Summary of 1H FY2025
(Kyoto Bank, Non-consolidated)
5
Interest Income and Rate Earned on Loans and Bills
(Kyoto Bank, Non-consolidated)
Non-Interest Income (Consolidated)6
Shareholder Returns 21
Strategic Equity Holdings (1) 22
Strategic Equity Holdings (2) 23
Initiatives to Reduce Shareholder Capital Costs 24
Efforts to Improve Corporate Value 25
Credit Costs and Disclosed Assets
(Kyoto Bank, Non-consolidated)
7 Ⅲ. Reference Material
Financial Results Forecast for FY2025 8
Management Strategy
10
Progress towards the Strategic Goals of the 2nd Medium-Term Management Plan
11
Pillars of Initiatives towards the Strategic Goals of the 2nd Medium-Term Management Plan
12
Strengthen the Deposit and Loan-Oriented Business:
“Loans and Bills Discounted” (KyotoBank,Non-consolidated)
13
Strengthen the Deposit and Loan-Oriented Business: “Deposits” (Kyoto Bank, Non-consolidated)
Expand Comprehensive Solutions Function (1) 14
Expand Comprehensive Solutions Function (2) 15
Expand Comprehensive Solutions Function (3) 16
Discoverand NurtureNext-GenerationGrowthCompanies 17
Consumer General Sales 18
Market Operations 19
Capital Allocation 20
27
History of Kyoto Bank
(Outline: Establishment to Heisei Eras)
Outline of Kinki Region 28
Attraction of Kyoto Prefecture 29
Initiatives to Contribute to Local Communities 30
HR Strategy (Human Capital Management) (1) 31
HR Strategy (Human Capital Management) (2) 32
DX Strategy (1) 33
DX Strategy (2) 34
35
Impact of Rising JPY Interest Rate (Kyoto Bank, Non-consolidated)
Expenses and OHR 36
Comprehensive Risk Management 37
Group Companies 38
Governance Structure 39 1
Index
I.
Business Performance Overview
Kyoto FG consolidated net income
Kyoto FG consolidated net income hit record highs for the fifth straight year, driven by an increase in the net income of Kyoto Bank, along with contributions from other group companies.
Kyoto FG consolidated
(JPY bn)
1H FY2024
1H 2025
YoY
Gross operating profit
56.8
57.6
0.8
Ordinary profit
29.6
37.4
7.8
Net income attributable to
owners of the parent
21.2
26.8
5.6
Kyoto Bank non-consolidated
Gross operating profit
53.4
68.1
14.7
Gross ordinary profit
28.2
50.8
22.6
Net income
20.4
40.7
20.3
*The figures for the interim period of fiscal year 2025 include dividends of 15 billion yen from the bank’s subsidiary.
Gross operating profit
3.4
4.4
1.0
Gross ordinary profit
1.4
1.6
0.2
Net income
0.7
1.0
0.3
Group company contribution (excluding Kyoto Bank)
3
Financial Results Summary of 1H FY2025
(JPY bn)
【Increase Factor】
Loan interest rates increased
【Decrease Factor】 Decrease in dividend income
(excluding dividends from subsidiaries)
【Special Factor】
Including dividends from subsidiary
(150 billion yen)
Achieved a record high for five consecutive years
* Including gains and losses on stocks transferred for pure investment
Excluding subsidiary dividends,
1H FY2024
1H FY2025
YoY
Gross operating profit
53.4
68.1
14.7
Net interest income
44.1
59.8
15.7
Net fees and commissions
7.4
8.0
0.6
Other operating profit
1.8
0.2
(1.6)
Bond-relatedincomesuchas JGBs
(0.0)
(1.4)
(1.4)
Expenses
28.5
29.9
1.4
Actual net operating profit
24.8
38.2
13.4
Core net business profit
24.9
39.6
14.7
Excluding gains(losses) on bonds
and cancellation of investment trusts
24.7
38.6
13.9
Provision for general allowance for loan Losses (A)
–
0.1
0.1
Net operating profit
24.8
38.0
13.2
Nonrecurring profit and loss
3.4
12.7
9.3
Bad debt written-off (B)
0.2
0.3
0.1
Reversalofallowancefor loanlosses (C)
0.8
–
(0.8)
Other
2.8
13.0
10.2
Gains and Losses on
strategic investment securities*
1.1
11.9
10.8
Ordinary profit
28.2
50.8
22.6
Extraordinary profit and loss
(0.1)
0.0
0.1
Net income
20.4
40.7
20.3
Credit costs (A)+(B)-(C)
(0.6)
0.4
1.0
an increase of 5.3 billion yen year-on-year to 25.7 billion yen 4
Financial Results Summary of 1H FY2025 (Kyoto Bank, non-consolidated)
AloJapan.com