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

Overview of Business Performance

For the cumulative consolidated third quarter period of the fiscal year ending March 2026 (April 1, 2025 to December 31, 2025), ordinary income was 39.07 billion yen, a 13.9% increase year-over-year. Due to increases in interest income on loans and deposits as well as revenues from service transactions, ordinary profit was 8.267 billion yen (58.9% YoY), and net income attributable to owners of parent for the quarter was 7.061 billion yen (86.4% YoY). By segment, the banking segment recorded ordinary income of 34.634 billion yen and segment profit of 7.625 billion yen, both increasing compared to the same period last year.

Summary of Financial Condition and Future Outlook

Total assets increased to 3.640195 trillion yen and net assets rose to 160.47 billion yen compared to the end of the previous fiscal year. The equity ratio stood at 4.4%, remaining nearly flat year-over-year. The full-year earnings guidance for fiscal year ending March 2026 forecasts ordinary income of 50.5 billion yen (12.0% YoY increase), ordinary profit of 9.1 billion yen, and net income attributable to owners of parent of 7.8 billion yen, with the progress through the third quarter considered favorable. The dividend forecast remains unchanged at 24 yen per share annually.