Ryukyu Bank, Ltd. (8399) Financial Summary for Q3 of Fiscal Year Ending March 2026

Summary of Performance

Consolidated ordinary income for Q3 of the fiscal year ending March 2026 was 60,004 million yen, an increase of 8,411 million yen year-over-year, and ordinary profit was 11,544 million yen, up 4,237 million yen year-over-year. Quarterly net income attributable to owners of the parent was 8,134 million yen, a 3,062 million yen increase year-over-year. On a standalone basis, ordinary profit was 10,647 million yen and quarterly net income was 7,718 million yen, both achieving profit growth. The rise in lending interest rates, increase in loan-deposit spread, and higher interest and dividend income from securities contributed to profit expansion.

Financial Position and Asset Trends

Deposit balances increased to 2.9108 trillion yen due to growth in individual deposits, local government deposits, and others, exceeding the previous fiscal year-end by 49.2 billion yen. Loan balances rose to 2.0831 trillion yen driven by increased home loans for individuals and recovery in loans to corporations, marking a 143.3 billion yen increase from the previous fiscal year-end. Capital adequacy ratios improved to 10.14% on a consolidated basis and 9.71% standalone, both up compared to the previous fiscal year-end, indicating strengthening of the financial foundation. The ratio of claims disclosed under the Financial Reconstruction Act improved to 2.54%.