Fiscal Year Ending March 2027 Second Quarter (Interim) Financial Summary (Consolidated)

Performance Overview

Seven Bank, Ltd. reported consolidated results for the second quarter of the fiscal year ending March 2027 with ordinary income of 115,027 million yen, ordinary profit of 21,050 million yen, and interim net income attributable to owners of parent of 13,317 million yen. By segment, domestic operations progressed steadily with increases in ATM usage transactions and ATM installations. Meanwhile, the credit card and e-money business faces challenges in improving earnings stability, and overseas operations made a certain contribution to revenue. A change in useful lives led to lower depreciation expense, which boosted ordinary profit.

Outlook and Capital Policy

Full-year forecasts were revised: for the fiscal year ending March 2027, consolidated ordinary income is projected at 238,500 million yen, ordinary profit at 38,000 million yen, and net income at 23,000 million yen. The benefit of reduced depreciation expense from the change in useful lives may continue, and the level of assets such as ATM and cash management assets will affect future performance. By segment, focus will be on measures to improve the credit card and e-money businesses and expansion of overseas operations, supported by stable domestic growth.