Third Quarter Financial Summary for Fiscal Year Ending February 2026 [Japanese GAAP] (Consolidated)

Summary of Business Results

During the cumulative third quarter period of the fiscal year ending February 2026, operating revenue increased to 421.566 billion yen (an 8.4% increase YoY), operating income rose to 41.711 billion yen (a 10.0% increase YoY), and ordinary income grew to 42.250 billion yen (an 8.5% increase YoY) due to expanded transaction volumes and loan balances domestically and internationally. Net income attributable to owners of the parent was 14.446 billion yen (a 5.0% increase YoY), including a special loss recorded from the transfer of 85.1% of Aeon Allianz Life Insurance Co., Ltd. shares to Meiji Yasuda Life Insurance Company. Domestically, Aeon Bank saw steady growth in deposit and loan balances, alongside increased card shopping transaction volumes. Overseas, solid growth continued in Greater China, the Mekong region, and Malaysia.

Financial Position and Outlook

Total assets increased by 581.587 billion yen to 8.338079 trillion yen compared to the previous consolidated fiscal year-end, with net assets also up to 607.897 billion yen. Total liabilities stand at 7.730182 trillion yen, showing an increasing trend. The number of treasury stock shares slightly decreased to 125,845 shares compared to the previous period, and the number of issued shares remained unchanged. There is no revision to earnings guidance, with the full year forecast projecting operating revenue of 570.0 billion yen, operating income of 57.0 billion yen, and net income attributable to owners of the parent of 21.0 billion yen. Growth strategies continue to be promoted, including the absorption-type merger of consolidated subsidiaries, advancing digitalization, and strengthening credit management through AI utilization.