Financial Summary for the Six-Month Period Ended March 2027 (Second Quarter)

Performance Overview

The Kiyo Bank, Ltd. reported consolidated interim results for the six-month period ended March 2027: ordinary revenues of 67,928 million yen, ordinary income of 19,548 million yen, and net income attributable to owners of parent of 13,169 million yen. Compared with the same period last year, ordinary revenues rose 28.3%, ordinary income increased 40.7%, and interim net income rose 47.4%, delivering substantial profit growth. These results were driven by the effects of new internal investments, increased lending to small and medium-sized enterprises, and expanded fee income from service transactions.

Outlook and Capital Position

The consolidated capital ratio was 4.1% and ROE stood at 10.6%, maintaining the mid-term target range stably. There is no change to the earnings forecast published on May 14, 2026, with the assumed policy interest rate unchanged at 0.75%. Customer-facing service-related fee income reached a record high for the interim period, underscoring the strength of core earnings through enhanced branch and digital services.