Overview of the Third Quarter Financial Results for Fiscal Year Ending March 2026

Summary of Financial Performance

For the third quarter of the fiscal year ending March 2026, standalone ordinary income was JPY 53.1 billion, an increase of JPY 9.4 billion compared to the same period last year, and quarterly net income was JPY 40.6 billion, an increase of JPY 9.0 billion year-over-year. Consolidated ordinary income stood at JPY 47.7 billion, and consolidated quarterly net income attributable to owners of the parent was JPY 34.3 billion, both reflecting an increase from the prior year. Growth in loans and securities contributed to the revenue expansion. Meanwhile, the equity ratio decreased slightly year-over-year to 23.77% on a standalone basis and 23.10% on a consolidated basis.

Outlook and Dividend Policy

The earnings guidance for the fiscal year ending March 2026 projects standalone ordinary income of JPY 53.0 billion and net income of JPY 39.0 billion, slightly below the previous year's results. Dividends are planned to remain unchanged at JPY 3,000 for general ordinary contribution dividends, JPY 1,500 for specific ordinary contribution dividends, and JPY 6,500 for preferred contribution dividends. The mid-term management plan 'SCB Strategy 2025' targets net income attributable to owners of the parent of approximately JPY 45.0 billion and a consolidated equity ratio of over 15%.