#ShinkinCentralBank

Shinkin Central Bank posted consolidated operating revenue of ¥66,262 billion and net income of ¥4.3 billion for the fiscal year ending March 2026, showing a slight increase from the previous year. While total assets decreased to ¥46.8 trillion, the non-performing loan ratio remained healthy at 0.16%. The outlook for 2027 remains solid, with stable performance expected.

Shinkin Central Bank achieved a net income of 48.6 billion yen and sales of 632.5 billion yen for the fiscal year ending March 2026, representing a 19.9% increase YoY. The equity ratio remains at 22.42%, with a dividend forecast of 1,500 yen. The company’s performance is solid, and its medium-term plan is progressing smoothly.

Shinkin Central Bank plans to acquire its share purchase rights using surplus funds and intends to cancel them. The maximum acquisition amount is 1 billion yen, during the period from July 30, 2026, to January 29, 2027.

Shinkin Central Bank will revise its basic profit distribution policy, which will be applicable from March 2027, to promote diversification of growth investments and profit returns.

Shinkin Central Bank of Japan has decided to approve partial amendments to its Articles of Incorporation at the Board of Directors meeting on May 20, 2026, with approval scheduled at the General Meeting on June 24, 2026. The changes include revisions to management guidance regulations and office location adjustments.

Shinkin Central Bank has officially decided to change its representative director, Mr. Hiroyuki Shibata, on June 24, 2026, and plans to change his position from Chairman and Representative Director to Advisor (part-time).

The total unrealized loss on bonds held to maturity at the end of the fiscal year March 2026 amounted to 520,326 million yen, which corresponds to 888.1% of consolidated ordinary income and 1,225.7% of net income attributable to owners of the parent.

Mr. Hiroshi Sudo is scheduled to assume office as Representative Director and President on June 24, 2026. Current President Mr. Hiroyuki Shibata is expected to retire upon expiration of his term.

For the third quarter of the fiscal year ending March 2026, ordinary income was JPY 487.5 billion (up 41.4% YoY), ordinary profit was JPY 47.7 billion (up 2.3% YoY), and net income attributable to owners of parent for the quarter was JPY 34.3 billion (up 3.3% YoY).

For the third quarter of the fiscal year ending March 2026, standalone ordinary income was JPY 53.1 billion (YoY +JPY 9.4 billion), quarterly net income was JPY 40.6 billion (YoY +JPY 9.0 billion), with an achievement rate of 104.3% against earnings guidance.

Unrealized losses on securities at the end of the third quarter of the fiscal year ending March 2026 amounted to JPY 433,285 million, equivalent to 739.5% of the consolidated ordinary income for the fiscal year ending March 2025. There is no change to the earnings guidance.