Nishi-nippon Financial Holdings, Inc. · TSE:7189
Nishi-nippon Financial — H1 FY2026 Earnings Presentation
50 slides from Nishi-nippon Financial's earnings presentation, Dec 2, 2025
Slide 1: FY2026 Q2 Results Briefing Presentation
Wy %,, HBAFH LI- 2026F3ARA s62/0 Ae HAS HAA 202547115 28E) Be Wee Sm Le) Ee a bd) (Gd | ie ae 8
Slide 2: Contents
ম峘崿嵔崤嵛崮嵤崟嵏嵛 અৱમ ᅚ ᅚ ⋛岜ౚ ౚ峕ঢ়峃峵ଓଌৱમ ؝岜ৠ峘ਏ ؝ڭ3/ ع 岜岜ৱসਹஇ ؝ڮ%6 ع 岜岜ق$SSHQGL[كসਹಊ峕峲峵ઽஇ୶ ؝گਏྠ峘ଋ嵣ਹ峴嵣ਹඅ 岧1&%৬岨 ع 岜岜كقলসਹඅق1&%৬ك ؝ڰથଊ峘ଋৈ嵣௬இ 岧1&%৬岨 岜岜كقসಉਹඅق1&%৬ك ؝ڱਦ৷崛崡崰峘েਏશ 岧1&%৬岨 ؝ڲঽഞৱমૻ૨ 岧岜৴岜岜岨 岜岜كقથଊਹඅଦਊসق1&%৬ك 岜岜૽ਜਬಉਹஇ 岜岜৽ા 岜
Slide 3: Summary of Results
⋛Ńౚ ⋛ ౚ ফাਸ਼ ৠହভ ųőŕ ŕ
Slide 4: Overview of Results
Ŕ؝ৠभਏ ভઙपషരघॊরෞਹஇमؚসਹඅઽ੍भఁপ॑রੱधखञৱসਹஇभੜਸ॑पؚ ফૻٔभ؛ ٛভઙपషരघॊরෞਹஇभফૻੜਏٜ થଊ قਜ਼؟ك ٹ৴இ ૽ਜਬ 崕嵋崼崧嵓இ ৰౚ ૻ ੂ୳ૻ ৰౚ ੂ୳پ ಉਹஇ বઝಉઝଊஇ ৱসਹஇ ઙૄಉঢ়બஇ قਜ਼؟ك $ $% $& % & ܒ3 ܒ3 ٔ ٔ ٔ ਜ႗ਹஇ ط ط ٺ ٺ ق崛崊ਜ႗ਹஇك ط ط ৽ા ٺ ਦ৷崛崡崰 ٺ
Slide 5: Loans and Deposits
ŕ؝ৱসਹஇ ਊরभৱসਹஇमؚসਹඅઽ੍ऋఁপखञऺऊؚਗో৹ਹඅभृऐসਹඅभੜਸ ऩनपेॉؚফૻभ؛ ফাमؚૻभपऩॊुभध୳؛ ٹৱসਹஇभੜنਏશقه৴ك قਜ਼؟ك قਜ਼؟ك ܒ ܒ >୳@ ٔ ٔ ٔ كق كق ٔ ٔ ٔ ٺ ٺ ٔ ٺ ٺ ٺ সਹඅઽ੍ ٔ সਹඅઽ੍ ٔ ৃ ৃ ن୳ه ৹ ৹ ܒ3 ಉ ܒ3 ಉ
Slide 6: Loan Yield and ROE Improvement
ٌŤƓƓƈƑƇƌƛٍসਹಊपेॊઽஇ୶ ৃসਹभಊमؚসਹ⍠भఁপಉ॑ৢगؚਊౚपউছ५୶॑ुञैघৄৢख؛ ٹਧম३ॸॕষभংছথ५३ॺشଡୗ نૻپهংছথ५३ॺشमাଜभଡਛ॑घॊ ٹઽஇ୶قৱসਹஇك ٛଜৎਡभઈ৷؞৹ଡୗٜ সਹ३ॼজड़⋈ ੁসਹ সਹ३ॼজड़⋇ ੁসਹ قଌुधभੁসਹऋਢःञৃ়ك قফাप୯ਸਹऑؚजभऋਢःञৃ়ك ऐস ூ ৃ৹ ூ قਜ਼؟ك قਜ਼؟ك થଊ ூ ৱসਹ
Slide 7: Loans: Loan Balance and Interest
ŕ؝ৱসਹஇقŔكলসਹඅقűŦť৬ك ਊরभলসਹඅमؚਹॉभಊृলসଋৈऋම৹पੜਸखञऒधपेॉؚফૻ ٔभ؛ ফাमؚૻٔभपऩॊुभध୳؛ ٹলসਹඅ؞ਹॉ قਜ਼؟ ٹ كলসभଋقऎଃਜলসك قਜ਼؟ك র ৢ হਙলস 嵕嵤嵛 ଃਜলস ਹ峴 ਹ峴ق岹ଃਜলসك র ৢ ٫ ٫ ٫ হਙলসق岹ଃਜলসك 嵕嵤嵛 ٫ ٫ ٫ ٫ ٫ ٫ ٫ ٫ ٫ ٫ ٫
Slide 8: Deposits and Total Customer Assets
ŕ؝ৱসਹஇقŕكসಉਹඅقűŦť৬ك ਊরभসಉਹඅमؚসଋৈऋੜਸ੦৹॑घॊরؚਹॉभಊपेॉؚফૻ ٔभ؛ ফাमؚૻٔभपऩॊुभध୳؛ ٕ সਹඅभੜਸ॑লসਹඅभੜਸऋॉؚসਹඅઽ੍मఁপ؛ ٹসಉਹඅ؞ਹॉ قਜ਼؟ك ٹসಉभଋ قਜ਼؟ك র ৢ র ৢ ਹඅ ਹ峴 য ১য जभ نফ૨ه >ٔ٫@ >@ >@ >@ >@ >@ >@ ୳ ق
Slide 9: Securities: Unrealized Gains and Losses
ŕ؝ৱসਹஇقŖكથଊਹඅଦਊসقűŦť৬ك ਊরभથଊਹඅଦਊসमؚবઝଊਹඅभੜਸ॑पؚফૻٔभ؛ ফাमؚૻٺقਦੰ৺இ॑ऎधٔكभपऩॊुभध୳؛ ٹથଊਹඅଦਊস؞ਹॉ قਜ਼؟ ٹ كથଊଋৈقଋك قਜ਼؟ؚফك র ৢ র ৢ বઝଊ ਗবଊ ઙૄ؞ৱਦಉ ਦੰ৺இ বઝଊ ਗবଊ ઙૄ؞ৱਦಉ ਹ峴 ઝ崯嵍 قஅ峪ਦੰ৺இك 嵔嵤崟嵏嵛
Slide 10: Fees and Commissions
Ŗ૽؝ਜਬಉਹஇ ਊরभ૽ਜਬಉਹஇमؚ১যঢ়৴ুਯમऋੜਸखञऒधऩनपेॉؚফૻٔ भ؛ ফাमؚૻٔभपऩॊुभध୳؛ ૽ ٹਜਬಉਹஇق৴قك1&%৬ك قਜ਼؟ك قਜ਼؟ك 䛭䛾䛾Ꮚ♫➼ 䛭䛾䛾Ꮚ♫➼ NCB R&C ق1&%भك NCB R&C ق1&%भك NCTTドๆ 㡸䜚㈨⏘㛵㐃 NCTTドๆ 㡸䜚㈨⏘㛵㐃 ἲே㛵㐃 ᕞ䜹䞊䝗 ᕞ䜹䞊䝗 ἲே㛵㐃 ෆᅜⅭ᭰䞉ATM䞉ཱྀᗙ᭰ ෆᅜⅭ᭰䞉ATM䞉ཱྀᗙ᭰ NCB NCB
Slide 11: Expenses
ŗ৽؝ા ਊরभ৽ાमؚ൛ऑपൣअয੯ાृਅറৱپपൣअ੯ાभੜਸऩनपेॉؚফ ૻٔभپ؛ઃ&50३५ॸؚৗ३५ॸಉ ফাमؚૻٔभपऩॊुभध୳؛ ٕ ञटख৽ؚાभੜਸ॑ॺॵউছॖথभੜਸऋॉؚਊরभ॥॔2+5मফૻSWఒৢؚदु ૻSWभఒ॑ৄि؛ ৽ ٹાق৴قك1&%৬ك قਜ਼؟ك قਜ਼؟ك ੯ા য੯ા ઘস 崛崊2+5 ੯ા য੯ા ઘস 崛崊2+5 ق1&%峘ك ق1
Slide 12: Credit Costs
Ř؝ਦ৷॥५ॺ ਊরभਦ৷॥५ॺमؚফૻٔभ؛ ফাमؚষऌभৄৢखऋਂ්दँॊऒधಉ॑౷ऽइؚૻٔभध ੂੑ॑ྚ઼ऌ؛ ٹਦ৷॥५ॺق৴ك قਜ਼؟ي كઅًসગে১৫ંઝਥق1&%৬ك র ৢ 9 ਂଐઝਥૻ૨मؚऽञਂଐઝਥपৌघॊ ৳৸૨پमৈ॑؛ ৳ஹਬਊ 峇峘 ਦ৷崛崡崰૨ قਜ਼؟ك岜 ਏଵ৶ઝਥ ਂଐઝਥૻ૨ ૫ઝਥ ਓಌেઝਥಉ ৳৸૨ க峙 ٫ ଜ ଜ ଜ ଜ ଜ
Slide 13: Earnings Forecast
ř؝ౚ୳ ফাभভઙपషരघॊਊෞਹஇमؚসਹඅઽ੍भఁপಉपेॊৱসਹஇभ ੜਸ॑धखथؚૻभपऩॊुभध୳؛ ٹ৴இ ٛভઙपషരघॊਊෞਹஇ ୳ भૻੜਏٜ ⋈૽ਜਬಉ قਜ਼؟ك پ ୳ ৰౚ ੂ୳ ਹஇ ૻ ੂ୳ૻ ⋇ৱসਹஇ ٔ قਜ਼؟ك $ $% $& % & ٔ ٺ થଊ ٺ ਜ႗ਹஇ ٺ һҰӏӣӄӝஇ ٺ ⋉৽ા ٺ ق崛崊ਜ႗ਹஇك বઝಉઝଊஇ ਦ৷ ઙૄಉঢ়બஇ ҾӁӈ ٺ
Slide 14: Shareholder Returns
Ś؝ઙ൬੪قଦਊ୳ك ଜଦਊ୳॑ઙँञॉऊैषੜપखؚফଦਊપ॑ઙँञॉऊैषఊਫ؛ ऒोपेॉؚফাभଦਊਙम٫ங২धऩॊৄৢख؛ ٛઙ൬੪্ଉٜ ষઙভभਁુਙध৽भ৸ਙभ௴ਡऊैిؚਫऩ৳भౄৰपेॊଃਜ৬ସभਘ৲धઙभऔऽषभऩଦਊभ ৰ॑੦ম্ଉधखऽघ؛৬पमؚভઙपషരघॊਊෞਹஇपৌघॊ൬੪ਙங২॑ਊએभ৯धखؚजभৎرभ৽ੋ ੲિृଃਜ૾யؚౚৄৢखಉुྠ੧खणणؚभ൬੪ઍ॑ৠखऽघ؛ ٹઙ൬੪ پ岜൬੪ਙٙਹஇ൬
Slide 15: Medium-Term Management Plan Progress
⋜ ৽ਅറ ع੫கपऐञੌाع ⋜ ৽ਅറ ফাਸ਼ ৠହভ ųőŔŗ Ŕŗ
Slide 16: Business Domain Strategy
Ŕ؝ృପૣ؞ળभঐॺॵॣش୭ ృପम৬॑রੱधखञਝৱृੱपउऐॊপગ৫উট४ख़ॡॺऋਤ॒दःॊऺऊؚ ম॑ଡइॊૣળमযઠੜਸऋਢऎऩनؚ౩ऽोञঐॺॵॣش୭؛ ృପ ৫ ృପमমभَસ৽ੋُ যઠ طୠেਓ ૦ਝৱટ نফ@ ଠઋঅॵॢংথ ృପपमऩਓऋૐ ঽ ঽেਓਯ৸ব३ख़॔ ॥ॿॡॸॕॵॻ ৽ੋణટফ ਓলપ৸ব३ख़॔ লਚૣ؟ળ ৬ ,&েਓપ৸ব३ख़॔ লਚ؟ృପ৽ੋਓଂ ృପਏ শؚിমؚಧుਣ भગ
Slide 17: Business Domain Strategy: Customer Base
Ŕ؝ృପૣ؞ળभঐॺॵॣش୭قŔكృପ৽ੋभ૾ய ృପ৽ੋमؚ৬ঢ়৴ਓ॑রੱधखञਝৱभੜਸऩनऋᏋਬखؚ৸ব॑ॊಇलऋਢऎ؛ ੋ৽ ٹਛশ૨भ قলਚ؟ృପ৽ੋ৹ਪੈভؚదਿك ق 䃺 ੫ବயम৸ব॑ॊद ృପ ٻ 䃺 ৬ঢ়৴॑রੱपৈभਝৱऋಲਢ پ ৸ব ٻ 䃺 ॖথংक़থॻभ୮ु୯ः௯प پ৪ঢ়ઘઐ௱༜भড়३থॡॱথॡக ن੫भବயْயਖ਼',ٓه نਝৱقফ২ هك نॖথংक़থॻभْਗবযোব
Slide 18: Business Domain Strategy: Growth Areas
Ŕ؝ృପૣ؞ળभঐॺॵॣش୭قŕૣكળૣ؞ળभএॸথ३কঝ ਊभমऋਜ਼઼घॊૣળपणःथमؚযઠऋ৸বૻृऊदँॊऒधपਸइؚ০ुযઠ ੜਸऋৄऽोॊૣળमঅ४ॿ५୭؞ક୭ऩनৈः௬॑੭थःॊ؛ ૣ ٹળૣ؞ળ؞৸বभలਟযઠੑ ૣળभ્শ ૣ ؞ળपणःथमফऊैফႃऽदযઠੜਸऋਢऎৄৢख؛ ૣ؞ળमঅ४ॿ५୭؞ક୭ऩन়पৈः௬ قফभযઠ॑धखञৃ়भযઠك ૣળपৌघॊਸ਼ਕ௬ (106) (105) ٕ َমभ્ਙ௬قُكق੶ଃ
Slide 19: Business Domain Strategy: Growth Area Recovery
Ŕ؝ృପૣ؞ળभঐॺॵॣش୭قŖૣكળउेलૣળྦྷभ৫भ ૣળরੱभপૠெગ৫पਸइؚযઠੜਸृણயऩ৽ੋ୭॑ూବपૣؚળྦྷदुક୧ृ ਝಉभ৫ऋਤன؛ قტك ଠઋঅॵॢংথ؞॥ॿॡॸॕॵॻ ૣળੱभગ৫ ૣ؞ળরੱदमؚഠᄺ৲खञঅঝभ૦౹इऩन॑ਤघ ॊউট४ख़ॡॺَଠઋঅॵॢংথَُ॥ॿॡॸॕॵ ૣળྦྷभ৫ ॻُऋਤষ؛ লਚૣ؟ળكق ଠઋ崻崫崘崸嵛 崛崵崗崮崋崫崱 ૦ണનੳணட༠ਯ ༠ ༠ 岰峋ᓛੵ༠ਯ ༠ ༠ ܒଜৎਡद༠ऋᓛੵ ృপຢ
Slide 20: Business Domain Strategy: Business Succession and Structure
Ŕ؝ృପૣ؞ળभঐॺॵॣش୭قŗكృପभ৬ঢ়৴ৱ॑ॊ ിমभ760&॑मगीؚృପदবਗ੫पेॊாऩ৬ঢ়৴ਝৱऋਤষ؛ ٛృପभ৬ਓभ৸ব३ख़ٜ॔ ٛ৬ঢ়৴੫ਯٜ ٛ৬ঢ়৴ৱٜ ృପ ়ੑ ృପ ৬ৱपબॊ੫भৱসਏ ூ ૣળ उेलৱৰষપقNCBྸؚੑك ૐଡ଼ ৬ଲୗಎ઼ ଯவ ৸বூ ৸বூ পী ৺ قফ২ك قফ২ك ৺ শ ിম ৱৰষપ ৺ ઈૡৱস ৺ قলਚੋ৽؟ਓ েਓଙଁੑ>ফ২@ك
Slide 21: Initiatives for ROE Improvement
ŕ؝੫கपऐञੌा র৽ੑपൕऑॊਏੁमାৰपਤன؛ऒोपൣःؚਏ৽ఏभ.3,॑ਛघॊৄৢख؛ র৽ੑ ఄᵷ ع峎峔岺崛崛嵕岝峎峔岼峵嵇嵑崌ع ৰౚ ৰౚ .3, ৯ఏ ৄৢख قੑ كع 9 ৴ਊෞਹஇ ܒ ܒ ੦মਅറ ڭ岴岿峨କਡ峘|2QHWR2QH崥嵒嵍嵤崟嵏嵛|峘 9 ৴52( ٫ ܒ٫ ܒ٫ங২ ٫ங২ ੦মਅറڮ ৗ 9 ৴॥॔2+5 ٫ ܒ٫ ܒ٫ங২ ٫ ੦মਅറگ যଃৗ 9 ৴ঽഞৱমૻ૨
Slide 22: PBR and Stock Price Trends
ٌŤƓƓƈƑƇƌƛٍਊभųťŵؚŵŲŨؚઙभ ٹ3%5भ ٹ৴52(भ PBR 1 ৱম॥५ॺ॑ॊ॑রশप৯घ ாीथःपी઼ऊोथःञ3%5म পऌऎఒ؛ञटखؚऽदपमൂேध खथ॑ଋघ ਊभৱম॥५ॺमؚਠ૾٫عپ٫پங২धੳ ٫ங২ৢৄقखك ٫ ٫ங২ৢৄقखك ٫ ٫ ٫ &پ$30प੦तऎ ҩҩҩ >嵒崡崗崽嵒嵤嵔嵤崰ਊઙ̣¼嵆嵤崙崫崰嵒崡崗崿嵔嵇崊嵈@ ق岣-3;崿嵑崌嵈ਯ岤峕岴岻峵ৱম崛崡崰লਏ୩峕ುك ͤ2 ઙૄஇਹॉप੦तऎ ҩҩҩ
Slide 23: Business Strategy Initiatives
Ŗ؝उऔऽକਡभƼŲƑƈŃƗƒŃŲƑƈ९জগش३ঙথƼभ ŋŔŌŃ੫ ৲؞ৈ২৲घॊ੫ॽش६पৌखؚਬपૢगञস؞శসभ९জগش३ঙথ॑؛ ৲ҩৈ২৲घॊ੫भୖҩॽش६ ষ 崓嵤崱 嵒嵤崡 ଊ 崛嵛崝嵓 ,&7 হഅಲ؞ 6'*V(6*ؚ ॹ४ॱঝ৲؞ য౫ਂଌ েਓਙ ෟऩহഅಲ 0 $੍ର ຍಞ৲੍ର ';੍ର य़কॵ३গঞ५৲ ੍ର؞ ढ़شথॽগॺش য౫ঢ়৴੍ର হఁপ؞ૡఌ ୠभਓஷ௪ ੍ର ୠஷ௪ ছঝषभৌૢ HWF ऩৱস৹ুभ HWF
Slide 24: Business Strategy: Initiatives and Partnerships
Ŗ؝उऔऽକਡभƼŲƑƈŃƗƒŃŲƑƈ९জগش३ঙথƼभ ŋŔŌŃ੫ ५ॺছॡॳকॻشই॓ॖॼথ५ृই॓থॻऩन॑ણ৷खرؚभउऔऽभॽش६पૢगञ ऩৱস৹ু॑؛ ५ॺছॡॳকॻشই॓ॖॼথ५षभੌा ই॓থॻभણ৷ 9 ਂਓঢ়৴ই॓ॖॼথ५ؚ0/%2ই॓ॖॼথ५ؚ३ॵউ؞ఫ૬ਃই॓ॖ 9 ਊऋলৱघॊই॓থॻ॑ણ৷खथؚ੪੫भ५ॱॵ॔ॺش ॼথ५ऩनऩ५ॺছॡॳকॻشই॓ॖॼথ५पିৡखؚীभଋ উभৱস৹ؚহഅಲؚহગে੍॑ର؛ऒभअठऋূ ৈउेलুਯમमੜਸ੦৹द
Slide 25: Business Strategy: M&A and Investment Initiatives
Ŗ؝उऔऽକਡभƼŲƑƈŃƗƒŃŲƑƈ९জগش३ঙথƼभ ŋŔŌŃ੫ ੫पधढथ৯ৣभ৽ୖदँॊَॹ४ॱঝ৲َُؚ;'؞য౫ન৳ُಉपৌखؚਊॢঝشউ भऩ९জগش३ঙথ॑؛ ॹ४ॱঝ৲੍;'؞ର য౫ঢ়৴੍ର 9 1&%ؚ३ॸॕ॔५॥ؚॖ४।থॢঝشউऋ৬धऩॉؚउऔऽभ 9 1&%भযଃ੍ରॳشऋउऔऽभઌभॽش६॑པखؚয౫ঢ়৴ ૠெृୖपૢगञਈిऩ९জগش३ঙথ॑؛ ९জগش३ঙথਃચ॑થघॊॢঝشউध৴؛ ;' ٹ॥থ१ঝॹ؞४ॱঝ৲੍ର੯ਯ
Slide 26: Business Strategy: Initiatives for Individuals
Ŗ؝उऔऽକਡभƼŲƑƈŃƗƒŃŲƑƈ९জগش३ঙথƼभ ŋŕŌŃয उऔऽমਜ਼भਜઈ॑ජೲखऩऋैઁ்ؚःउऔऽपৌखؚৱਓ؞ઝ৸৬॑ৄநखञ॥ থ१ঝॸॕথॢ॑ன৫खرؚभउऔऽपૢगञਈిऩ९জগش३ঙথ॑؛ যभउऔऽभୖҩॽش६ उऔऽभৱਓҩઝ৸৬॑ৄநखञ॥থ१ঝॸॕথॢभৰᄷ ऩৱਓਛ੍ର ਹਙभৈः 1,6$؞L'H&R॑କਡधखञ টشথૹષ॑ણ৷खञ যেফৎ৻ ৼਢषभइ १شঅ५ؚ ৱਓਛಽऐ॥থ१ঝॸॕথॢ ৱਓਛ੍ର ॑ৄྚइञ ෟऩৱਓഅಲ ঃ
Slide 27: Business Strategy: Initiatives for Individuals
Ŗ؝उऔऽକਡभƼŲƑƈŃƗƒŃŲƑƈ९জগش३ঙথƼभ ŋŕŌŃয 1,6$॑କਡधखञৱਓઈ৷ृரটشথૹષभ੧ऩनؚउऔऽभছॖই५ॸش४पૢगञਈ ిऩ९জগش३ঙথ॑؛ ৱਓਛಽऐ॥থ१ঝॸॕথॢ ୕ඥಽऐ९জগش३ঙথभ 9 1,6$ृয়ਦಉ॑রੱपउऔऽभৱਓਛ੍॑ର؛ 9 भ৴ਘ৲୕ؚඥಽ௧৷१টথَ6$,120,&5$ُभણ৷ऩ ٕ ੌाभટؚ1&%भ1,6$ઠౠਯमਸ਼ਜ਼؛ नपेॉ୕ؚඥಽਬमؚ༎௮ઠౠਯؚઽஇधुपఁপ؛ ୕ ٹඥಽ༎௮ઠౠਯ
Slide 28: Business Strategy: Digital Transformation
ŗ؝ৗ ŋŔŌ ଙિभਘ৲ ম१এॺشଙિभਘ৲पेॉؚधমउेलॢঝشউভभੲਾ৴मপ்प؛ ॢঝشউ৴पेॊऩ९জগش३ঙথ॑؛ ম१এॺشଙિभਘ৲ ॢঝشউ৴ଙિभਘ৲ 9 उऔऽभୖҩॽش६धॢঝشউਃચ॑णऩएম௧भଦ઼ 9 ॢঝشউਅറੈ৮ভಉ॑ৢगؚ૯ᅆभৢढञॢঝشউਅറ॑ன৫؛ पेॉؚম੍৴पेॊउऔऽषभ९জগش३ঙথऋਸச؛ ਧমইॕॼথ३কঝشঝॹॕথॢ५ ম௧峘ਝ઼峕峲峵岣තਡ岤峘ਘ৲كعق ॽ
Slide 29: Business Strategy: Digital Initiatives
ŗ؝ৗ ŋŕŌ ॹ४ॱঝਅറ ১؞যऐॹ४ॱঝॳকॿঝमؚਹ৷ਯउेलਹ৷ਬधुपದ৹पఁপ؛ ऒोैभॳকॿঝमउऔऽधभਏऩமਡषधਛশ؛ ઠౠఃஈ੯ਯ যऐॹ४ॱঝॳকॿঝَਧম३ॸॕষ॔উজ岤كعق ਐ੯ 崡崰崊௬ ५ঐभরपु ষ॑آ z ଋৈোলসසভ ٛ1&%॔উজ؞:(%दभਬ३ख़ٜ॔ $SSVWRUH *RRJOHSOD\ z ে୵৳૫ీ৺සভ z ਦઈ৷இසভ ઠౠ৫ਝ ਦਲ਼ ٲ ٲ قফাଜৎਡك z ॔উজଛস؞ऒधैଛস ٫ ༎௮ઠౠपಚीॊ z ઘਁস੍௸ ٫
Slide 30: Business Strategy: AI Utilization
ŗ؝ৗ ŋŖŌ ਜৗ ম؞ਜभచॹ؞४ॱঝ৲पेॉؚ૨৲उेलেਓਙमାৰपਤன؛ ٕ ষਜषभ$,ਹણ৷मାৰपਤனखथउॉؚ০ुৗञऩ$,উটॲॡॺোभਫ਼ୈऩन॑ৢगथেਓਙ पऐञੌा॑ਤीथःऎ؛ ૨৲؞েਓਙपऐञੌा $,॑ણ৷खञেਓਙ 9 ফेॉਜৗपঢ়घॊரੁ॑ன৫؛ਜৗपੌाਰ z েਛ$,भਜषभણ৷ ఋؚযীभਜ॑చ؛ষ৩যँञॉभਜਹஇु؛ 9 ফাेॉؚ1&%$66,67ق1&%ග&KDW*37॑ك৸ன৫؛ ษ
Slide 31: Business Strategy: Human Capital Initiatives
Ř؝যଃৗ ŋŔŌŃযଃਛ ॥থ१ঝॸॕথॢ؞;'؞੫ಉभীदਊॢঝشউभలਟ॑૿अَਅറযଃُभਛؚమಽશ؞ ਜશଢ଼ఊृজ५य़জথॢपऐञੌाಉ॑ৢगؚ৩যऱधॉभਛশ॑ਘৡपख؛ ਅറযଃभਛ మಽશ؞ரશଢ଼ఊ 9 َ॥থ१ঝॸॕথॢَُ';ُಉभীपउःथਊॢঝشউभలਟ 9 మपीैोॊ૽સपૢगञજो৯भऩःଢ଼ఊृؚرऩ ॑૿अَਅറযଃُ॑ੑपਛ؛ ਜपਏधऔोॊ५य़ঝपऐञৰᄷऩଢ଼ఊ॑ৰ؛ ਅറযଃਛभઅइ্ भৰౚ మಽશଢ଼ఊ ਜશଢ଼ఊ ॥থ१ঝॸॕথॢ
Slide 32: Business Strategy: Workforce Initiatives
Ř؝যଃৗ ŋŕŌŃ௮ऌऋःभ ৩भ૪भৄઉखृॲॖংش३ॸॕ٭ॖথॡঝش४ঙথभਤ৽ؚಷध৩धभ൨্भৌਵ भੌाಉ॑ৢगؚ৩যऱधॉऋःऌःऌध௮ऎऒधऋदऌॊৃ୭॑ତखؚऩযଃऋ ણඩघॊੌ௶௯ଅ॑ଡണ؛ z ৩भ૪भৄઉख z ৽ಷध৩धभ൨্भৌਵ 9 ਗ୭॑౷ऽइञ൛সੂભஔभਬऑಉ॑ৰ؛ عঈছথॳ॥গॽॣش३ঙথभ৫ಈكعق ع ൛সभਬऑ ੂભஔभਬऑ ઙভတཫসभਬऑ 9 ৽ಷऊै৩पऐथؚঽैभ৽ୡृ୳ः॑ୁॊधधुपؚ৩ धभ૨ઉऩସ
Slide 33: Sustainability Management Initiatives
ٌŤƓƓƈƑƇƌƛٍমঅঝभ૦౹इ ਧম३ॸॕষभম؞মਃચपਸइؚड़ইॕ५ইট॔ृૹ๘॑ଦ઼खञള়অঝ؛ ফಒओौभ৫पऐथ૦ണੵহऋਤষ؛ z ৗমঅঝقูਧম३ॸॕঅঝكभਏ >ফা୶@ ٛইট॔ଡਛٜ భ෫એ৺⋻ق৺ཁك మ ྶો మ 崒崽崋崡崽嵕崊 قమعమك మ ਧম)+崘嵓嵤崿ਜ崽嵕崊 قమعమك మ మ ૢம嵣ভ৮ಉ మ মقਧম崟崮崋ষҩ1&77ଊك ਭહ嵣崖嵋嵑嵒嵤 崛崵崗崮崋崫崱崛崊 మ ૹ崦嵤嵛 $70 崐嵛崰嵑嵛崡 ઁৃ ৣమ ৃಉ
Slide 34: Initiatives for Sustainability
ř؝१५ॸॼঅজॸॕषभੌा १५ॸॼঅজॸॕ॑ॊୖषभৌૢ॑৽ਅറभਏহඨधਜ਼઼तऐؚଙિତृੲਾ৫ં भౄৰ॑ॊधधुपؚ॥شএঞ؞ॺشफ़ংॼথ५भৈ২৲पऐञੌा॑ਤ؛ z ফभ१५ॸॼঅজॸॕ(ق6*كषभऩੌा ( ؟୭峕ঢ়峹峵ੌ峩 6 ؟ভ峕ঢ়峹峵ੌ峩 * ؟ҾҴӒӣӞҴӈ嵣ҺӢӎӢӉӡӁ峕ঢ়峹峵ੌ峩 ফ২ ফ২ ফ২ ফ২ ফ২ ফ২ 6'*Vਤभৗਝ ҼӢӝҴӐӣҿӁӇӉӏӢӜӇҬ ҿӁӇӉӏӢӜӇҬ৩ভभৗਝ 6'*Vਡඨ৯भ ്भ ( 6 ( * ( ੁ 7&)'峢峘
Slide 35: Initiatives for Sustainability
ř؝१५ॸॼঅজॸॕषभੌा ୠসॢঝشউऩैदमभ6'*V(6*षभੌा॑ਤखؚਢ૭ચऩভभৰਠप൴؛ उऔऽभੌा੍ର ਊঽମभੌा z उऔऽपૢगञ१५ॸॼঈঝই॓ॖॼথ५भ z ढ़شথॽগॺشছঝपऐञੌा 9 उऔऽभ१५ॸॼঅজॸॕषभੌा॑ਈిऩই॓ॖॼথ५द੍ର؛ 9 َফ২ऽदपढ़شথॽগॺشছঝق6FRSHُكभ৯ఏप ऐ&ؚ2ൾলभచपੌा؛ প੫ ॢজشথটشথ ॢজشথথॻ ش6FRSHपਸइؚৱभൾলदँॊ6FRSHढ़ॸ०জ॑
Slide 36: Next Medium-Term Plan Policy
Ś؝ৱমੁ ŋŔŌ ৱমੁभ੦মऩઅइ্ ਊॢঝشউभਢऩਛশ؞੫கभपऐેؚীऩৱম॑ન৳खऩऋैؚలਟ॑ ৄྚइञਛশৱपாपॉੌिधधुपؚઙ؞ৱੇभऔऽषभਹஇ൬੪॑ౄৰ؛ ٹय़কআॱঝ॔টॣش३ঙথ ੶پقൗभঽഞৱমૻ૨मӎӢҴӂӢӝ⋝৸ి৷ӑӢҴӁك ٕ ਦ৷জ५ॡ॔७ॵॺق1&%৬كभੜभ૾ய ٕ ਹஇੑ ৴ ٔ ৴ ৴ जभ ਦ৷ӜӁҼҵӂҳӈ ঽഞৱমૻ૨ ঽഞৱমૻ૨ যӟҴӡ ঽഞৱমૻ૨ ӁӈӛҼӅҰҴӈӢ ઙ൬੪ ங২ ਦ৷ӜӁ
Slide 37: Next Medium-Term Plan Policy
Ś؝ৱমੁ ŋŕŌ ੁ৳થઙૄभೠ ফাଜৎਡभੁ৳થઙૄभ৴ෞৱਓपಚीॊસ়मؚ٫؛ ਬऌਢऌؚໝ෧ओधप৳થಲਢभ༜ਊਙ॑ిਫ਼खؚೠ॑ਫ਼ୈ؛ ٹੁ৳થઙૄभଋৈؚໝ෧ਯؚ৴ෞৱਓपಚीॊસ়ಉभ ٹෞৱઙૄभଋৈؚໝ෧ਯ پਧম)+崘嵓嵤崿峑৳થଋৈ岶ਈ峬প岷岮ਧম崟崮崋ষ峘ੑਯ峼੶ൗ قਜ਼؟ك پর岝ฐᐝ 峘ਯஊ峕峎岮峐峙岝峩峔峁৳થઙૄ峕બ峵ੑਯ ଜ ଜ قਜ਼؟ؚໝ෧ਯك ؟ৎ ໝ෧ਯ ੭ਉ ໝ෧ਯ ੭ਉ ؟੭ਉ ৴ෞৱਓ
Slide 38: Appendix
0(02 ফাਸ਼ ৠହভ ųőŖŚ ŖŚ
Slide 39: Appendix: Financial Data
ౚपঢ়घॊଓଌৱમ અৱમ ౚपঢ়घॊଓଌৱમ ফাਸ਼ ৠହভ ųőŖś Ŗś
Slide 40: Summary of Results (1)
ہۅ؝ڭ ⋇ াৰౚ ٕ ফधभૻຎ ٕ ৰౚ ফૻ ৰౚ قك 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% ৽ଞઽஇ ਜ႗ਹஇ 岧崛崊ਜ႗ਹஇ岨 >@ >@ >@ >@ >@ >@ >@ >@ >@ ৱসਹஇ قলসਹඅك قથଊਹඅଦਊসك قসಉਹඅك ٺ ૽ਜਬಉਹஇ ્ਬਹஇ ٺ ٺ 峇峘ਜਹஇ ٺ ٺ ٺ ٺ ٺ قবઝಉઝଊஇك ٺ ٺ ٺ ٺ ৽ા ٺ ৰସਜෞஇ
Slide 41: Summary of Results (2)
ہۅ؝ڭ ⋈ া୳ ٕ ফ২धभૻຎ ٕ ৢقك ৢقك ୳ ফ২ૻ ৰౚ قك 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% ৽ଞઽஇ ਜ႗ਹஇ 岧崛崊ਜ႗ਹஇ岨 >@ >@ >@ >@ >@ >@ >@ >@ >@ ৱসਹஇ قলসਹඅك قથଊਹඅଦਊসك ٺ ٺ قসಉਹඅك ٺ ૽ਜਬಉਹஇ ્ਬਹஇ ٺ ٺ ٺ 峇峘ਜਹஇ ٺ ٺ ٺ ٺ ٺ قবઝಉઝଊஇك ٺ
Slide 42: Summary of Results (3)
ہۅ؝ڭ ⋉ া୳ ٕ ੂ୳धभૻຎ ٕ ৢقك ৢقك ୳ ੂ୳ૻ ੂ୳قହভك قك 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% ৽ଞઽஇ ٺ ٺ ٺ ਜ႗ਹஇ ٺ ٺ ٺ 岧崛崊ਜ႗ਹஇ岨 >@ >@ >@ >@ >@ >@ٺ >@ >@ >@ ৱসਹஇ قলসਹඅك ٺ ٺ قથଊਹඅଦਊসك قসಉਹඅك ٺ ٺ ٺ ٺ ૽ਜਬಉਹஇ ્ਬਹஇ ٺ
Slide 43: Loans and Deposits (1)
ۈڷ؝ڮ ⋇ ৱਓभ 11)+৴ 1&%৬ قك ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ৱਓ峘 ਠস岻স 崛嵤嵓嵕嵤嵛峝େোু େোসබઝਥ ્ਬৱਓ সබ峘ਦ થଊ লস قৌফૻੜ૨ك ŋٺŃœőŜňŌ ŋŘőŚňŌ ŋŕőŘňŌ ŋśőŔňŌ ŋٺŃŕőŔňŌ ŋٺŃŔőœňŌ ŋřőŔňŌ ŋŕőŘňŌ ŋśőŕňŌ ŋٺŃŕőŕňŌ ਗবನ౹ 峇峘ৱਓ થಕৱਓ ૮ಕৱਓ ஔહ峕બ峵ৱਓق௸ফসા৷ك భઘসৱਓ ੍௸അဍৄନ ਬਊস ٺ ٺ ٺ ٺ ٺ ٺ
Slide 44: Loans and Deposits (2)
ۈڷ؝ڮ ⋈ ઝलෞৱਓभ 11)+৴ 1&%৬ قك ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ઝ峝ෞৱਓ峘 স قৌফૻੜ૨ك ŋŖőœňŌ ŋŕőŖňŌ ŋŖőŜňŌ ŋٺŃœőŜňŌ ŋŔőśňŌ ŋŕőŜňŌ ŋŕőŗňŌ ŋŗőœňŌ ŋٺŃŔőŔňŌ ŋŔőŜňŌ ඒநਙস 崛嵤嵓嵆崵嵤峝ਲ਼நু ਲ਼ਠྠ ઝଊਬਭো૿৳স ৷স ਗবನ౹ ਦྠ 峇峘ઝ ૽৩ઙૄஔહਬਊস ஔહ峕બ峵ઝقஔહਬਊসك ૽৩༸ௌਬਊস ᄨ༒স௸ರଷਬਊস ၉ଷਬਊস ્શ১ਬਊস భઘস
Slide 45: Results by Business Segment (1)
؝گਏྠभଋ؞ਹॉ؞ਹඅقরْ ك1&%৬ٓ 岧র峘岨 قসપਜ਼؟ك ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ٹলস 岧ব岨 হਙ ક୧嵕嵤嵛嵣崊崹嵤崰嵕嵤嵛 قક୧嵕嵤嵛ك ق崊崹嵤崰嵕嵤嵛ك ા嵕嵤嵛 岧ব岨 岧৸৬岨 $ সෞਹ⍠ $( ٹથଊ 岧ব岨 ઝଊ ઙૄ 峇峘 % 岧ব岨 岧৸৬岨 & ਦੰ৺இ ' ٺ ٺ ਦੰ৺இ峼岹 岧ব岨峇峘 %' 岧৸৬岨 &' ٹস嵣ඒநਙস
Slide 46: Results by Business Segment (2)
؝گਏྠभଋ؞ਹॉ؞ਹඅ ْ1&%৬ٓ ண قসપਜ਼؟ك ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ٹলস 岧ব岨 হਙ ક୧嵕嵤嵛嵣崊崹嵤崰嵕嵤嵛 قક୧嵕嵤嵛ك ق崊崹嵤崰嵕嵤嵛ك ા嵕嵤嵛 岧ব岨 岧৸৬岨 $ সෞਹ⍠ $( ٹથଊ 岧ব岨 ઝଊ ઙૄ 峇峘 % 岧ব岨 岧৸৬岨 & ਦੰ৺இ ' ٺ ٺ ਦੰ৺இ峼岹 岧ব岨峇峘 %' 岧৸৬岨 &' ٹস嵣ඒநਙস 岧ব岨 ਙ ৵ઠਙ
Slide 47: Loans and Securities Trends
؝ڰથଊभଋৈ؞௬இ ْ1&%৬ٓ قك ଜ ଜ ଜ ଜ ଜ ଜ ۈڷٹੑપ বઝ ্ઝ ઝ ઙૄ ਗবଊ ق岰峋ਗবઝଊك 峇峘 થଊ岜ੑ ٹ௬இ বઝ ٺ ٺ ٺ ٺ ٺ ٺ ্ઝ ٺ ٺ ٺ ٺ ٺ ٺ ઝ ٺ ٺ ٺ ٺ ઙૄ ਗবଊ ٺ ٺ ٺ ٺ ٺ ق岰峋ਗবઝଊك ٺ ٺ ٺ ٺ ٺ 峇峘 થଊ岜ੑ ٺ અৱમ ౚपঢ়घॊଓଌৱમ ফাਸ਼ ৠହভ ųőŗř ŗř
Slide 48: Credit Costs Trends
؝ڱਦ৷॥५ॺभেਏશ ْ1&%৬ٓ 岧峘岨 岧ৢ峘岨 قك ಹਬਊসোપٺق峙ರোஇك $ ٺ ٺ ٺ ٺ ٺ ٺ ਬਊ૨ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ଋৈಉ ٺ ٺ ٺ ٺ ే嵣શਬਊ崛崡崰 % ૿৳ৣ 嵑嵛崗崨崎嵛؟ઝਜયী峘༄৲ 嵑嵛崗崊崫崿؟ઝਜયী峘ఒ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ઽ ٺ ٺ ٺ ٺ ٺ
Slide 49: Results Forecast
؝ڲঽഞৱমૻ૨ ْ৴ٓ ٹ৴ঽഞৱমૻ૨ ଜ ଜ ଜૻ قك 崛崊ৱম峕બ峵੦ຊඨ৯ $ ৢઙૄ峕બ峵ઙৱম 峇峘峘ෆฐਹஇྸੑપ ٺ ٺ ৹ତశ੍ଦઙী ਬਊস峘়ੑપ ిત೮ৱম৹ু峘岰峋৽ૌೈ઼峕峲峵োપ ଅગ௬୷પ峘岰峋৽ૌೈ઼峕峲峵োપ శ੍ଦઙী峘岰峋৽ૌೈ઼峕峲峵োપ ٺ 崛崊ৱম峕બ峵৹ତඨ৯ % ٺ ق岰峋岜ిતਬਊসਂଌપك ٺ ق岰峋岜ஔહ峕બ峵ৱਓك ٺ ঽഞৱম & $% 嵒崡崗嵣崊崣崫崰ಉ ' ਦ৷嵒崡崗嵣崊崣崫崰 ٺ 崒嵂嵔嵤崟嵏崲嵓嵒崡崗嵣ৼਊપ ৱম崽嵕崊৹
Slide 50: Notes on this Document
মৱમमੲਾभा॑৯धखथਛऔोञुभदँॉ્ؚभଊभਲ਼େ॑൭ා घॊुभदमँॉऽच॒؛ মৱમप੶ൗऔोञহඨभ৸ऽञममؚઔऩऎఊਫऽञमಌऔोॊऒधऋ ँॉऽघ؛ মৱમपमలਟभౚपঢ়घॊ੶ऋஅऽोथःऽघऋؚऒोैभ੶मؚలਟभ ౚ॑৳घॊुभदमऩऎؚজ५ॡृਂનৰਙ॑ෆघॊुभदघ؛ లਟभౚम৽ؚ୭भ৲ಉपेॉ౮ऩॊ૭ચਙऋँॊऒधपओਔऎटऔः؛ ফাਸ਼ ৠହভ ųőŗŜ
Nishi-nippon Financial Holdings — H1 FY2026 Earnings Presentation on 6ix