Financial Summary for Fiscal Year Ending March 2026 [Japanese Standards] (Consolidated)

Performance Overview

The consolidated financial results for the fiscal year ending March 2026 showed ordinary income of ¥2,359.27 billion (up 56.6% YoY), operating income of ¥375.32 billion (up 33.7% YoY), and net income attributable to owners of the parent of ¥256.01 billion (up 24.2% YoY). Bank business contributed ¥2.0681 trillion in ordinary income and ¥359 billion in ordinary profit. Leasing business contributed ¥25 billion in ordinary income and ¥800 million in ordinary profit. Earnings per share was 68.05 yen.

Financial Position Overview

Total assets as of the end of March 2026 stood at ¥13.2713 trillion, a 1.3% decrease YoY, while loans and bills discounted increased by 2.2% YoY to ¥8.0364 trillion. Deposits and negotiable certificates of deposit decreased slightly by 0.1% YoY to ¥11.1587 trillion. Net assets increased by 1.8% YoY to ¥391.6 billion. The common equity ratio was 2.9%, up 0.1 percentage point from the previous year.

Cash Flow Status

Cash flows from operating activities were negative ¥375.126 billion, worsened by ¥307.6 billion from the previous year. Cash flows from investing activities resulted in income of ¥19.9 billion, while cash flows from financing activities were expenditure of ¥14.6 billion. At the end of the period, cash and cash equivalents totaled ¥22.637 trillion, a decrease of ¥369.8 billion compared to the previous year.

Dividend Situation

The annual dividend for FY 2026 was ¥28 per share (with quarterly dividends of ¥6.5, ¥6.5, and ¥8.5), totaling ¥10.555 billion. The payout ratio was 41.1%, and the dividend payout ratio relative to net assets was 2.7%. The forecast for the next fiscal year ending March 2027 is an annual dividend of ¥32 per share.

Future Outlook

The consolidated earnings forecast for FY 2027 projects ordinary income of ¥2,252.0 billion (a 4.5% decrease YoY), ordinary profit of ¥44.4 billion (up 18.2% YoY), and net income attributable to owners of the parent of ¥29.4 billion (up 14.8% YoY). Earnings per share are expected to be ¥78.58.