Fiscal Year Ending March 2026 Q3 Financial Summary [Japanese GAAP] (Consolidated)

Business Performance Overview

In the consolidated cumulative period for Q3 of the fiscal year ending March 2026, ordinary income was ¥37,864 million, a decrease of ¥3,433 million compared to the same period last year, despite increased revenue from fund management, due to declines in gains from sales of government bonds and sales of equities. Ordinary expenses increased by ¥1,159 million YoY mainly due to higher deposit interest expenses, totaling ¥23,123 million. As a result, ordinary profit decreased by ¥4,593 million YoY to ¥14,741 million, and net income attributable to owners of parent for the quarter decreased by ¥3,100 million YoY to ¥10,543 million. Although revenue and profit declined compared to the previous year due to aggressive equity sales recorded in the same period last year, the profit level remains at a record high compared to the year before last.

Financial Position and Future Outlook

Total assets at the end of the consolidated Q3 period increased by ¥71.8 billion from the end of the previous consolidated fiscal year to ¥1,666.0 billion. Loans increased by ¥26.2 billion to ¥1,027.6 billion, securities rose ¥38.0 billion to ¥525.1 billion, and deposits increased ¥19.7 billion to ¥1,416.8 billion. The consolidated capital adequacy ratio remained at a high level of 13.05%. The full-year earnings guidance for the fiscal year ending March 2026 has been revised, with ordinary profit forecasted at ¥20.3 billion (7.1% increase YoY) and net income attributable to owners of parent at ¥14.0 billion (4.8% increase YoY). The dividend forecast has also been increased, with an annual dividend of ¥78.00 planned.