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

Overview of Business Results

During the cumulative consolidated period of the third quarter of the fiscal year ending March 2026, ordinary revenue reached ¥139.601 billion (up 28.2% YoY), driven by increased interest income on loans and gains on sales of securities. Ordinary expenses rose to ¥110.253 billion (year-on-year increase) due to higher deposit interest and operating expenses; however, ordinary income significantly increased to ¥29.357 billion (up 65.8% YoY). Net income attributable to owners of parent totaled ¥20.413 billion (up 62.1% YoY). By segment, ordinary income from banking operations was ¥28.6 billion (¥11.3 billion increase YoY), and leasing operations experienced a slight increase.

Financial Position and Capital Policy

Total assets decreased by ¥113 billion from the previous consolidated fiscal year to ¥13.333715 trillion, while net assets rose by ¥16.6 billion to ¥401.0052 billion, improving the capital adequacy ratio to 2.9%. On May 30, 2025, the company canceled 21,000,000 treasury shares, reducing capital surplus and treasury stock by ¥7.885 billion each. On January 29, 2026, a resolution was passed to acquire treasury stock (up to 3,200,000 shares, ¥2.4 billion) aimed at enhancing capital efficiency. There is no change in dividend forecast, with a year-end dividend of ¥26.00 planned for the full year.