Supplementary Financial Presentation Materials

Summary of Performance

The First Bank Of Toyama, Ltd. posted interim results for the fiscal year ending March 2027 in which core net business income declined year-on-year. However, improved investment income and partial realization of gains related to executive holdings supported an increase in ordinary income, leading to a half-year result near the highest level on record. Loans to local governments decreased while business and retail lending increased, with retail loans including mortgages remaining solid. Full-year forecasts were revised upward and the year-end dividend was raised to 82 yen.

Shareholder Returns and Outlook

The basic policy is to maintain a payout ratio of at least 35% and to conduct share buybacks flexibly and proactively. In the revised full-year forecasts announced on October 30, 2026, both ordinary income and net income were revised upward, bringing the full-year dividend closer to an annual level of 86 yen including the interim dividend of 41 yen. While maintaining capital policy and financial soundness, the bank aims to strengthen earnings power through increased system investments and expanded consulting services.