Second Quarter (Interim) Financial Summary [Japanese GAAP] (Consolidated) November 6, 2026

Overview of Results

For the six months ended Q2 of the fiscal year ending March 2027, consolidated results showed an increase in ordinary revenue compared with the previous fiscal period, while ordinary income and interim net income fell below the same period of the prior year. Ordinary revenue was 31,269 million yen, ordinary income was 4,475 million yen, and interim net income attributable to owners of parent was 3,521 million yen. Full-year forecasts are presented as total revenue 60,800 million yen, ordinary income 10,800 million yen, and net income attributable to owners of parent 9,000 million yen. Regarding dividends, an interim dividend of 15 yen is planned and the full-year plan is 30 yen. Capital policy direction considering market conditions and interest rate trends is also a point of attention.

Impact on Shareholders and Outlook

Interim performance was supported by steady investment earnings but affected by increased expenses, resulting in a slight decline in ordinary income, while the equity ratio remains stable on a reference basis. The full-year forecasts are maintained, and the dividend trend suggests an increase. Going forward, loan growth, the performance of securities investments, and cost management will be key factors influencing results.