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

Performance Overview

For the fiscal year ending March 2026, the consolidated operating results showed ordinary income of 43,504 hundred million yen (up 15.0% YoY), driven by increases in lending interest and securities dividends. Meanwhile, ordinary profit was △29,837 hundred million yen, a significant decline due to the recording of losses on the sale of government bonds and other bonds. Net income attributable to owners of the parent also turned into a deficit at △24,499 hundred million yen. Earnings per share stood at △687.18 yen. Although the shareholders' equity ratio declined to 6.72%, total assets increased to 2,416,250 billion yen.

Financial Position and Cash Flows

Deposits increased to 2,170.9 billion yen from the previous period, and loans also grew to 1,646.4 billion yen. The non-performing loan ratio under the Financial Reconstruction Law decreased to 2.39%. Cash flows from operating activities were positive at 1.386 billion yen, cash flows from investing activities were positive at 114.8 billion yen, and cash flows from financing activities were negative at △2.34 billion yen, leading to an increase in cash and cash equivalents to 281.03 billion yen.

Dividend Status

For the fiscal year ending March 2026, the planned dividend per share at the end of the term is 35 yen, with no interim dividend paid, totaling 35 yen annually. The total dividend amount is 1,240 million yen, with a dividend payout ratio of 1.4%.

Earnings Forecast for March 2027

The consolidated earnings forecast for March 2027 predicts ordinary income of 5,000 hundred million yen and net income attributable to owners of the parent of 5,500 hundred million yen. The forecasted earnings per share are 155.20 yen, but uncertainties remain, and figures may change depending on future economic conditions.