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

Performance Overview

In the cumulative consolidated third quarter period of the fiscal year ending March 2026, ordinary income was 56,638 million yen (up 17.6% YoY), mainly contributed by increased interest on loans and gains from sales of securities. Ordinary expenses increased by 6,256 million yen YoY, due to rising interest payments on deposits following interest rate hikes and higher property expenses related to the business integration with Fukui Bank, resulting in ordinary profit of 9,217 million yen (up 32.3% YoY). On the other hand, net income attributable to owners of parent decreased to 5,296 million yen (down 4.3% YoY) due to increased corporate taxes, etc.

Financial Position and Future Outlook

Total assets amounted to 4.31545 trillion yen (an increase of 28.6 billion yen from the end of the previous consolidated fiscal year), and net assets were 150.8 billion yen (an increase of 14.3 billion yen). Loans increased to 2.3987 trillion yen. Deposits also grew to 3.4289 trillion yen, driven by increased individual deposits. There is no change to the full-year earnings forecast for the fiscal year ending March 2026, with ordinary profit expected at 10,500 million yen (up 20.6% YoY) and net income attributable to owners of parent forecasted at 6,000 million yen (down 16.2% YoY). Expenses related to the business integration contributed to the increase in costs.