Financial Results Explanation Materials for the Fiscal Year Ending March 2026

Performance Overview

The consolidated ordinary income for the fiscal year ending March 2026 was 54.5 billion yen (up 21.0% YoY), ordinary profit was 10.0 billion yen, and net income attributable to shareholders of the parent was 8.2 billion yen, turning around from a loss in the previous year to achieve revenue and profit growth. The main factors include increased fund profits such as loan interest, securities dividends, and deposit interest, higher service trading profits like solution fees, and a reduction in gains from securities sales. Although the capital adequacy ratio slightly decreased to 9.91%, ROE significantly improved to 5.26%.

Asset, Liability, and Dividend Situation

Customer deposits on a standalone basis increased to 3.1753 trillion yen (up 1.7% YoY), loan balances increased to 2.4578 trillion yen (up 12.0%), and securities residual balances increased to 423.2 billion yen (up 12.4%). The customer base within Tochigi Prefecture, which accounts for 80.8% of prefectural deposits, remains stable. The dividend for the fiscal year ended was increased from 12 yen to 14 yen, making the total annual dividend 26 yen. For the fiscal year ending March 2027, an annual dividend of 30 yen is planned.