Fiscal Year Ending March 2026 Q3 Financial Summary [Japan GAAP] (Consolidated)

Overview of Business Performance

For the third quarter of the fiscal year ending March 2026, consolidated ordinary income increased 12.5% YoY to 84.938 billion yen, supported by higher loan interest income and increased gains on sales of securities. Ordinary expenses increased due to higher deposit interest expenses, but ordinary profit rose 14.2% YoY to 18.971 billion yen, and net income attributable to owners of the parent for the quarter increased 23.2% YoY to 13.287 billion yen.

Overview of Financial Position

Total assets declined by 80.8 billion yen from the previous consolidated fiscal year-end to 6.7724 trillion yen, while net assets increased by 28.1 billion yen to 305.9 billion yen. The capital adequacy ratio improved by 0.5 points to 4.5%. Loan balances increased and deposits also grew, whereas securities decreased.

Dividend Status

The annual dividend forecast for the fiscal year ending March 2026 is 190 yen per share (20 yen increase YoY), with an interim dividend of 95 yen, the third quarter dividend undecided, and a planned year-end dividend of 95 yen. There has been no recent revision to the dividend forecast.

Outlook

The full-year earnings forecast for the fiscal year ending March 2026 anticipates ordinary profit of 215 billion yen (9.2% YoY increase) and net income attributable to owners of the parent of 150 billion yen (11.0% YoY increase). There has been no revision from the figures announced on May 9, 2025.