Tomato Bank, Ltd. Financial Summary for the Six Months Ended March 2027 (Second Quarter)

Overview of Performance

For the second quarter, consolidated ordinary income was 15,255 million yen, ordinary profit was 1,269 million yen, and interim net income attributable to owners of parent was 891 million yen, each increasing from the same period last year. Total revenues were boosted by higher income from fund management and fee-based transactions, while expenses increased due to higher deposit interest and loan-related costs. The full-year outlook for the fiscal year ending March 2027 is being maintained, and further improvement in final profit indicators is expected. In addition, there has been a change in accounting policy regarding the method for reversing impairment losses on securities.

Capital Policy and Dividends

As part of its capital policy, the company plans to issue the 3rd Series A preferred shares and concurrently acquire and cancel the 2nd Series A preferred shares. The intention is to avoid future conversion into common shares, reduce dividend burden, and stabilize the financial base. Based on second-quarter results, dividends for the full year are expected to be 50 yen. Supplementary financial materials are attached to the financial summary, and details regarding preferred share-related significant subsequent events are disclosed in a separate document.