Quarterly Earnings Report for the First Quarter Financial Results Summary under Japanese GAAP (Consolidated)

Overview of performance

During the first quarter of the consolidated cumulative period, ordinary income rose to 85,187 million yen, while ordinary profit fell slightly year-on-year due to higher operating expenses. Net income attributable to owners of the parent for the quarter was 12,537 million yen, down 6.7% year over year. Details by segment are described in the accompanying materials. There is no material change to the full-year outlook, and the full-year plan for the fiscal year ending March 2027 is an ordinary income of 65,000 million yen and net income of 45,000 million yen. The impact of the earthquake is under investigation and no amount has been determined at this time.

Financial position and outlook

Total assets show no substantial fluctuations, and the equity ratio is low at 5.7% but modestly improved versus the previous period. Cash and deposits and securities are stable in composition, and increases in lending have been observed. Regarding the Kumamoto earthquake, impacts on the financial position and operating results from the second quarter onward are possible, so ongoing disclosures should be monitored. Future performance will depend on earthquake impact estimates and economic trends, but the current outlook is kept unchanged.