Financial Summary for the Third Quarter of Fiscal Year Ending March 2026 [Japanese GAAP] (Consolidated)

Overview of Business Results

For the cumulative third quarter period of the fiscal year ending March 2026, ordinary revenues increased by JPY 67.8 billion year-on-year to JPY 356.7 billion, driven by increased loan interest and steady growth in fee income mainly from corporate services. Ordinary expenses rose by JPY 37.9 billion to JPY 233.5 billion due to higher deposit interest expense, resulting in ordinary income increasing by JPY 29.8 billion year-on-year to JPY 123.2 billion. Net income attributable to owners of parent was JPY 85.0 billion, up JPY 22.2 billion year-on-year, bolstered by contributions from L&F Asset Finance Co., Ltd., which became a consolidated subsidiary, achieving three consecutive periods of profit growth.

Financial Position and Dividend Status

Total assets rose by JPY 427.3 billion from the previous consolidated fiscal year-end to JPY 25.2205 trillion, and net assets increased by JPY 113.0 billion to JPY 1.4056 trillion. Deposits increased for both individuals and corporations but declined by JPY 89.4 billion from the previous fiscal year-end to JPY 20.3235 trillion due to decreased public funds deposits. Loans increased by JPY 895.2 billion to JPY 17.6408 trillion, and securities increased by JPY 325.9 billion to JPY 3.2480 trillion. The annual dividend forecast is JPY 37.00 per share, an increase from JPY 29.00 in the previous fiscal year. The full-year earnings guidance remains unchanged, with net income attributable to owners of parent expected at JPY 103.0 billion.