Fiscal Year Ending March 2027 Second Quarter (Interim) Financial Summary [Japanese GAAP] (Consolidated) (The Toho Bank, Ltd.)

Performance Overview

The Toho Bank, Ltd.'s consolidated results for the second quarter of the fiscal year ending March 2027 recorded ordinary income of 83,943 million yen, ordinary profit of 12,530 million yen, and interim net income attributable to owners of parent of 8,580 million yen, achieving a marked increase in profits compared with the same period last year. Core business net income remained solid, supported by growth in interest on loans and interest/dividend income from securities and expanded fee income from services. The supplementary financial explanation materials maintain the full-year forecast for the fiscal year ending March 2027. Dividends are expected to be 13 yen at the end of the second quarter and 26 yen for the full year.

Impact on Investors and Outlook

Drivers of the interim performance expansion include increased interest on loans, higher interest and dividend income from securities, and asset growth resulting from alliance relationships with firms such as Nomura Securities. The full-year forecast is unchanged, and the bank plans to continue its growth strategy through cost investments and leveraging alliances. With stabilization of the equity ratio, the bank intends to continue shareholder returns that prioritize financial soundness while adhering to its dividend policy.