FY2027 Q2 (Interim) Financial Summary [Japan GAAP] (Consolidated)

Performance Overview

Consolidated ordinary income for the second quarter of FY2027 amounted to 158,709 million yen, up 15.0% year-on-year, reflecting steady performance. Ordinary income was 67,009 million yen, up 21.3% YoY, and interim net income was 46,681 million yen, up 8.0% YoY, securing profit growth. By segment, Banking and Leasing continued to contribute to earnings. The full-year forecast has been revised from the previous outlook, with ordinary income expected to be 298,000 million yen and net income attributable to owners of parent expected to be 80,000 million yen. Dividends are expected to follow the results for the year ended March 2026.

Outlook and Key Points

An earnings presentation is scheduled with materials available for institutional investors. Consolidated financial position is stable with total assets of 9,345,541 million yen, net assets of 885,499 million yen and a capital adequacy ratio of 9.5% (during the period). The full-year outlook for FY2027 has been revised, assuming continued expansion of interest and fund management income centered on banking operations. Movements in capital policy and organizational restructuring continue, including a basic agreement on business integration with Ehime Bank and the establishment of an integration preparation committee.