Ikeda Senshu Holdings reports strong first half, raises outlook and shareholder returns

Ikeda Senshu Holdings reported a consolidated interim net profit of JPY 8.6 bn for the first half of fiscal year 2025, an increase of JPY 200m year-on-year, and JPY 1.5 bn above plan. Consolidated net profit for the full fiscal year 2025 is now projected at JPY 14.7 bn, an upward revision from the initial JPY 11.0 bn, with Return on Equity (ROE) targeted at 6.1%. The company also aims for an ROE of 8% by fiscal year 2028.

Key to this performance were increased core business profits at Ikeda Senshu Bank, which saw a JPY 3.4 bn rise to JPY 11.4 bn. Lending balances increased by JPY 163.4 bn year-on-year to JPY 4.771 trillion, driven by growth in large and mid-sized enterprises (+JPY 36.9 bn), small and medium-sized enterprises (+JPY 36.0 bn), and housing loans (+JPY 85.1 bn). Total deposits also grew by JPY 215.5 bn to JPY 5.833 trillion.

In a move to enhance shareholder returns, Ikeda Senshu Holdings will change its dividend policy earlier than planned, targeting a dividend payout ratio of 40% for fiscal year 2025. This translates to an annual dividend of JPY 21 per share, up from JPY 16 per share previously, with flexible share buybacks. The company’s digital bank, "01 Bank," launched in July 2025, already has 1,369 registered accounts and executed 162 loans totaling JPY 870m by October 2025.