Fiscal Year Ending March 2027 Second Quarter Financial Summary [Japanese GAAP] (Consolidated)

Overview of Performance

The Yamanashi Chuo Bank,Ltd. recorded consolidated ordinary income of 56,805 million yen, ordinary profit of 10,918 million yen, and net income attributable to owners of the parent (interim) of 6,511 million yen for the second quarter of the fiscal year ending March 2027. These figures represent substantial year-over-year increases. Drivers of higher interim profit included increased interest on loans, interest and dividends on securities, and gains on sales of equity securities. The interim financial position shows an equity ratio of 5.1%, remaining low but stable. The company also announced a revision to its full-year earnings forecast, now expecting ordinary profit of 19,500 million yen, net income attributable to owners of the parent of 12,500 million yen, and earnings per share of 81.36 yen. Per-share indicators adjusted for the stock split are provided as well.

Impact on Shareholders and Outlook

The financial summary notes the implementation of a stock split effective October 1, 2026, and corresponding adjustments to per-share metrics. The strong second-quarter results suggest the possibility of upward revisions to full-year forecasts. While the equity ratio remains around the high single digits under domestic standards, ensuring long-term financial soundness is an ongoing challenge. Key points to monitor going forward include the status of non-performing loans, fluctuations in the interest rate environment, capital policy developments, and the stability of dividend policy.