2026 Fiscal Year Financial Summary and Earnings Report Supplementary Materials

Overview of the Fiscal Year Ending March 2026

In the consolidated financial results for the fiscal year ending March 2026, net income attributable to the parent company was ¥15,055 million (up 12.7% YoY), setting a new record high. Core business profit was ¥11,236 million (up 16.6% YoY), also reaching a four-year consecutive record high. Ordinary income amounted to ¥20,306 million (up 5.6% YoY), aided by gains from stock sales. Loan and deposit balances increased, and higher asset management revenue supported overall performance.

Shareholder Return and Share Buyback

Based on our shareholder return policy, we set an annual dividend of ¥84 (a significant increase from ¥34 in the fiscal year ending March 2025), aiming for a payout ratio of 35% or higher. Additionally, we will conduct share buybacks up to ¥5.5 billion and simultaneously cancel the treasury shares held, aiming to eliminate dilution concerns and improve liquidity ratios, thereby enhancing shareholder value.

Outlook for the Fiscal Year Ending March 2027

For the fiscal year ending March 2027, we forecast ordinary income of ¥18,000 million (down 14.2% YoY) and net income attributable to the parent of ¥13,000 million (down 13.7% YoY). While we expect increased interest income from fund operations, expenses will include updates to core system infrastructure and investment related to generative AI, resulting in a slightly decreased profit outlook despite maintaining high performance levels. We plan to pay an annual dividend of ¥75 (payout ratio 35.2%).