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

Performance Overview

For the third quarter of the fiscal year ending March 2026 (April 1, 2025 to December 31, 2025), consolidated ordinary income increased to ¥678.78 billion (up 9.3% YoY), ordinary profit decreased slightly to ¥7.528 billion (down 0.9% YoY), and net income attributable to owners of the parent for the quarter was ¥4.735 billion (down 19.8% YoY). The increase in ordinary income was driven by higher interest income on loans and increased earnings from fund management; however, ordinary profit declined due to increased financing costs and higher provision for loan losses. The decrease in net income was affected by the absence of gains from revisions to the retirement benefit scheme that were recorded as special income in the previous period.

Financial Position and Dividend Status

Total assets increased by ¥60.2 billion from the previous consolidated fiscal year-end to ¥6.12189 trillion, and net assets rose by ¥7.4 billion to ¥165.745 billion. The equity ratio improved by 0.1 points from the prior fiscal year-end to 2.7%. The annual dividend is planned at ¥50 (interim dividend ¥25 and year-end dividend ¥25), with no revisions from the most recent dividend forecast.

Full-year Earnings Forecast for Fiscal Year Ending March 2026

The full-year forecast projects ordinary profit of ¥5.0 billion (up 5.5% YoY) and net income attributable to owners of the parent at ¥3.2 billion (up 60.7% YoY). Earnings per share are expected to be ¥112.66, with no revisions from the most recent forecast.