Financial Summary for the Third Quarter of the Fiscal Year Ending March 2026 (Japan GAAP) (Consolidated)

Performance Overview

Ordinary income for the consolidated cumulative third quarter of the fiscal year ending March 2026 increased 29.5% YoY to JPY 119,284 million. The main drivers were higher income from derivative financial instruments, increased interest on loans, and dividends from securities. On the other hand, ordinary expenses increased YoY to JPY 95,913 million, impacted by increased losses on sales of Japanese government bonds and other bonds, as well as higher deposit interest expenses. As a result, ordinary profit was JPY 23,371 million (up 51.5% YoY), and net income attributable to owners of parent for the quarter was JPY 17,020 million (up 7.1% YoY).

Financial Position and Dividends

Total assets increased approximately JPY 97,731 million from the previous consolidated fiscal year-end, reaching JPY 7,625,949 million, while net assets rose approximately JPY 52,660 million to JPY 497,471 million. The capital adequacy ratio rose to 6.5%. The number of issued shares remained unchanged at 53,090,081 shares. Dividends are planned at JPY 130 annually (including a year-end dividend of JPY 65), an increase from JPY 90 in the previous fiscal year. There is no change in earnings guidance; full-year ordinary profit is forecast at JPY 28,300 million (up 49.3% YoY), and net income attributable to owners of parent is expected to be JPY 20,000 million (up 6.8% YoY).