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

Performance Overview

In the fiscal year ending March 2026, consolidated operating results showed ordinary income of 1.9926 trillion yen (up 23.8% YoY), operating income of 604.8 billion yen (up 45.1% YoY), and net income attributable to parent company shareholders of 42.36 billion yen (up 35.0% YoY). Comprehensive income also significantly increased to 57.55 billion yen. The main factors for the revenue increase were higher lending interest income and fund income. Expenses increased by 2.1 billion yen due to higher personnel costs, but credit-related expenses were contained. The financial position improved with total assets of 73.1736 trillion yen and net assets of 423.44 billion yen, and the equity ratio also improved to 5.7%.

Dividend Status and Future Outlook

The annual dividend for the fiscal year ending March 2026 is set at 170 yen per common share (interim 85 yen, year-end 85 yen), an increase from the previous year. The earnings forecast for the fiscal year ending March 2027 predicts ordinary income of 58.6 billion yen (down 3.1% YoY) and net income attributable to parent company shareholders of 40 billion yen (down 5.5% YoY). Considering the conversion of certain preferred shares to common stock and stock splits, the projected annual dividend per common share is 30 yen (interim 15 yen, final 15 yen).