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

Performance Overview

The consolidated ordinary income for the fiscal year ending March 2026 was JPY 266.118 billion (up 14.8% YoY), operating income was JPY 99.206 billion (up 32.2%), and net income attributable to owners of the parent was JPY 74.253 billion (up 39.3%). Increased earnings were driven by rising domestic interest rates, growth in lending balances, and gains from sales of foreign government bonds and policy holdings, among others. Although expenses also increased, gains from extraordinary income contributed to overall profit growth. The financial position improved with total assets reaching JPY 9,053.98 billion and net assets JPY 877.82 billion, with the capital adequacy ratio standing at 9.2%.

Dividend Policy and Future Outlook

The annual dividend for the fiscal year ending March 2026 is set at 60円 (interim 30円, final 30円). For the fiscal year ending March 2027, an annual dividend of 80円 (interim 40円, final 40円) is planned, representing a 20円 increase per share YoY. The earnings forecast for the fiscal year ending March 2027 predicts consolidated revenue of JPY 270.0 billion (up 1.5% YoY), ordinary income of JPY 111.0 billion (up 11.9%), and net income attributable to owners of the parent of JPY 77.0 billion (up 3.7%). The company aims to maintain a total shareholder return ratio of over 50% by fiscal year 2026.