Supplementary Materials to Financial Summary for the Third Quarter of Fiscal Year Ending March 2026

Summary of Performance

For the third quarter of the fiscal year ending March 2026, operating revenue amounted to 347.5 billion yen, a 3.9% increase YoY, driven by the accumulation of guarantee obligation balance solely at Zenkoku Hosho as well as revenue contributions from the three guarantee companies that became subsidiaries. Operating expenses increased 12.0% due to higher credit-related expenses, personnel costs, and system-related expenses, but operating income remained nearly flat with a 0.2% YoY increase to 22.9 billion yen. Ordinary income rose 2.6% YoY to 26.0 billion yen thanks to increased non-operating income. Net income attributable to owners of the parent decreased 1.9% YoY to 18.0 billion yen.

Growth Strategy and Capital Policy

The number of new guarantees executed remained flat at 42,648 cases, up 0.6% YoY, but the amount of new guarantees executed increased 6.8% supported by rising guarantee unit prices. In the existing home loan market, guarantee obligation balance of 670.9 billion yen was secured through ABL loans in accumulated 3Q, aiming to achieve the annual target of 21 trillion yen. Regarding capital policy, a capital and business alliance agreement was signed with MFS Co., Ltd. in November 2025. Shareholder returns are expected to exceed a total return ratio of 70%, including share buybacks worth 6.9 billion yen.