Fiscal Year Ending March 2026 Q3 Financial Summary [Japanese GAAP] (Consolidated)

Overview of Performance

In the consolidated cumulative period for Q3 of the fiscal year ending March 2026 (April 1, 2025 – December 31, 2025), ordinary income increased 20.6% YoY to 70,291 million yen, ordinary profit increased 24.5% YoY to 16,958 million yen, and net income attributable to owners of the parent for the quarter increased 21.9% YoY to 12,180 million yen. The increase in banking business ordinary income was the main factor, with growth in interest income from loans and dividends from securities contributing. Ordinary expenses also increased but did not exceed the profit growth.

Financial Condition and Dividends

Total assets increased by 124.0 billion yen from the previous consolidated fiscal year-end to 4,148.9 billion yen, net assets rose by 49.6 billion yen to 383.8 billion yen, and the equity ratio rose from 8.3% to 9.2%. The dividend forecast is an annual dividend of 130 yen (including a 10 yen commemorative dividend for the 130th anniversary and a regular dividend of 60 yen), representing an increase from the prior 95 yen.

Revision of Earnings Guidance

The full-year earnings guidance for the fiscal year ending March 2026 was revised upward, with ordinary income forecasted at 94.2 billion yen (5.8% increase from the previous guidance), ordinary profit at 21.3 billion yen (2.4% increase), and net income attributable to owners of the parent at 15.0 billion yen (3.4% increase). The primary reason is an expected increase in interest income from loans, leading to higher fund income than previously projected.