Notice Regarding Revision of Full-Year Earnings Guidance and Revision of Year-End Dividend Forecast (Dividend Increase)

Overview of Earnings Guidance Revision

Saga Bank, Ltd. has revised its full-year consolidated earnings guidance for the fiscal year ending March 2026, upwardly adjusting ordinary income by 26.7% from the previous forecast of 56,000 million yen to 71,000 million yen. However, ordinary profit and net income attributable to owners of parent remain unchanged at the previous forecast levels of 11,500 million yen and 8,000 million yen, respectively. Similarly, the non-consolidated earnings guidance was revised upward for ordinary income from 48,000 million yen to 63,000 million yen, while ordinary profit and net income forecasts remain unchanged. The main reason for the revision is the recording of gains on sale of shares of Hisamitsu Pharmaceutical Co., Inc., although the impact of realized unrealized losses has led to profit forecasts being maintained.

Revision of Dividend Forecast and Future Outlook

Regarding the year-end dividend forecast, the bank announced an increase of 10 yen from the previous 50 yen to 60 yen, bringing the total annual dividend forecast to 110 yen when combined with the interim dividend of 50 yen. This reflects a stable dividend policy considering the bank’s public role, comprehensively taking into account recent business performance and capital adequacy ratios. The year-end dividend will be proposed at the regular shareholders meeting scheduled for June 2026, and may fluctuate depending on future business performance trends.