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

Overview of Financial Results

For the third quarter of the fiscal year ending March 2026, consolidated operating results recorded ordinary income of 49,757 million yen, up 18.5% year-over-year, ordinary income of 10,655 million yen, up 24.8% YoY, and net income attributable to owners of parent of 7,449 million yen, up 28.1% YoY. Total assets increased by 178.4 billion yen from the previous consolidated fiscal year-end to 3.425266 trillion yen, net assets rose by 17.33 billion yen to 192.120 billion yen, and the consolidated capital adequacy ratio improved to 9.22%, up 0.57 points YoY, maintaining a sound financial position. Loan and deposit balances have also shown an increasing trend, reflecting steady performance supported by a gradual recovery in the regional economy.

Revision of Earnings Guidance and Progress on Business Integration

The full-year consolidated earnings forecast for the fiscal year ending March 2026 has been revised upward, with ordinary income rising from 11,300 million yen to 12,300 million yen, and net income attributable to owners of parent increasing from 7,500 million yen to 8,500 million yen. This revision reflects favorable performance in the third quarter. Additionally, in September 2025, a basic agreement was signed regarding the establishment of a holding company through the business integration with Chiba Bank, Ltd., aiming to establish the holding company via a joint share transfer around April 1, 2027. The integration policy respects the autonomy of both banks while aiming to strengthen regional financial capabilities. Furthermore, a resolution was passed for the full acquisition and cancellation of the first series Class 7 preferred stock to reduce the ratio of preferred stock issuance.