Financial Summary for Q3 FY2026 (Japanese GAAP) (Consolidated)

Performance Overview

During the consolidated cumulative third quarter period of the fiscal year ending March 2026, ordinary income amounted to JPY 203.169 billion (up 13.6% YoY), ordinary profit was JPY 85.883 billion (up 30.1% YoY), and net income attributable to owners of the parent for the quarter was JPY 64.547 billion (up 39.7% YoY). The increase in ordinary profit was partly due to recording a special gain of JPY 6 billion from a settlement related to a revision of plans for advancing core system enhancements.

Overview of Financial Position

Total assets increased by JPY 191.5 billion from the previous fiscal year-end to JPY 9.3931 trillion, and net assets rose by JPY 70 billion to JPY 872.8 billion. Deposits increased by JPY 133.6 billion to JPY 7.2464 trillion, and loans grew by JPY 270.1 billion to JPY 6.1092 trillion. Conversely, securities decreased by JPY 99.9 billion to JPY 1.7493 trillion. The equity ratio improved to 9.3% from 8.7% at the previous fiscal year-end.

Dividend Status

The annual dividend forecast for the fiscal year ending March 2026 is JPY 60 (interim JPY 30, year-end JPY 30), representing an increase from JPY 45 in the prior fiscal year. There has been no revision to the most recent dividend forecast.

Revision to Full-Year Earnings Forecast for FY2026

The earnings forecast announced on November 7, 2025, has been revised as follows: full-year ordinary income is projected at JPY 2.55 trillion (10.0% increase YoY), ordinary profit at JPY 98 billion (30.6% increase YoY), and net income attributable to owners of the parent at JPY 73 billion (36.9% increase YoY). Earnings per share are forecasted at JPY 250.97.