Notice Regarding Revision of Earnings Guidance and Expected Variance from Previous Term Results, and Revision of Dividend Forecast (Dividend Increase)

Regarding Revision of Earnings Guidance

The consolidated earnings guidance for the fiscal year ending March 2026 has been revised upward, with operating income now projected at 35 billion yen (an increase of 4 billion yen from the previous forecast of 31 billion yen, up 12.9%), and net income attributable to owners of parent revised to 34 billion yen (an increase of 9 billion yen from the previous forecast of 25 billion yen, up 36.0%). Non-consolidated results have been similarly revised to operating income of 34 billion yen and net income of 33.5 billion yen, both exceeding previous forecasts.

Expected Variance from Previous Term Results and Reasons for Revision

Consolidated ordinary income is expected to be 109.5 billion yen (a 20.2% increase year-over-year), and non-consolidated ordinary income is projected at 100.5 billion yen (a 20.8% increase year-over-year). The main factors driving the revision include steady progress in the loan business, expense reductions, improvements in asset quality, decreased credit costs, and additional recognition of deferred tax assets. Reduced tax expenses have also contributed to the increase in net income.

Regarding Revision of Dividend Forecast

Based on the basic policy of shareholder returns, the year-end dividend forecast for the fiscal year ending March 2026 has been increased to 38 yen per share, resulting in an annual dividend of 60 yen (up from the previous 44 yen). This is expected to strengthen returns to investors.