01 Consolidated Financial Results for the Six Months Ended September 30,2025 (Under Japanese GAAP)（PDF: 2.3MB）

November 14, 2025

Company name: The Yamanashi Chuo Bank,Ltd. Listing: Tokyo Stock Exchange

Securities code: 8360

URL: https://www.yamanashibank.co.jp/

Representative: Yoshiaki Furuya President

Inquiries: Shigeki Yonaga Managing Executive Officer and General Manager of Corporate Planning Division

Telephone: +81-55-233-2111

Scheduled date to file semi-annual securities report: November 19, 2025 Scheduled date to commence dividend payments: December 3, 2025 Trading accounts: None

Preparation of supplementary material on financial results: Yes Holding of financial results briefing: Yes(for institutional investors)

(Yen amounts are rounded down to millions, unless otherwise noted.)

1. Consolidated financial results for the six months ended September 30, 2025 (from April 1, 2025 to September 30, 2025)
   1. Consolidated operating results (Percentages indicate year-on-year changes.)

      	Ordinary income		Ordinary profit		Profit attributable to owners of parent
      Six months ended September 30, 2025 September 30, 2024	Millions of yen 36,427 27,918	% 30.4 (3.0)	Millions of yen 6,047 4,364	% 38.5 31.4	Millions of yen 4,371 3,085	% 41.6 11.5

      Note: Comprehensive income	For the six months ended September 30, 2025:	¥	19,501 million [	-%]
      	For the six months ended September 30, 2024:	¥	(2,038) million [	-%]

      	Basic earnings per share	Diluted earnings per share
      Six months ended	Yen	Yen
      September 30, 2025	142.83	142.70
      September 30, 2024	101.28	101.18

   2. Consolidated financial position

   	Total assets	Net assets	Equity-to-asset ratio
   As of September 30, 2025 March 31, 2025	Millions of yen 4,588,010 4,527,011	Millions of yen 231,473 213,241	% 5.0 4.6

   Reference: Equity

   As of September 30, 2025:	¥	230,916 million
   As of March 31, 2025:	¥	212,736 million

   (Note) "Equity-to-asset ratio" is calculated by dividing (total net assets at the end of period - share acquisition rights at the end of period - non-controlling interests at the end of period) by the total assets at the end of period.

   This "Equity-to-asset ratio" is not the regulatory capital ratio provided for in the public notice pertaining to regulatory capital ratio.

2. Cash dividends

   	Annual dividends per share
   	First quarter-end	Second quarter-end	Third quarter-end	Fiscal year-end	Total
   	Yen	Yen	Yen	Yen	Yen
   Fiscal year ended March 31, 2025	-	32.00	-	44.00	76.00
   Fiscal year ending March 31, 2026	-	59.00
   Fiscal year ending March 31, 2026 (Forecast)			-	59.00	118.00

   Note: Revisions to the forecast of cash dividends most recently announced: Yes

3. Consolidated financial result forecasts for the fiscal year ending March 31, 2026 (from April 1, 2025 to March 31, 2026)

(Percentages indicate year-on-year changes.)

Note: Revisions to the financial result forecast most recently announced: Yes

1. Significant changes in the scope of consolidation during the period: Yes Newly included: 1 company (Company name) Yamanashi Regional Design Co., Ltd.

2. Changes in accounting policies, changes in accounting estimates, and restatement

   1. Changes in accounting policies due to revisions to accounting standards and other regulations: None

   2. Changes in accounting policies due to other reasons: None

   3. Changes in accounting estimates: None

   4. Restatement: None

3. Number of issued shares (common shares)

   1. Total number of issued shares at the end of the period (including treasury shares)

      As of September 30, 2025	32,783,000 shares
      As of March 31, 2025	32,783,000 shares

   2. Number of treasury shares at the end of the period

      As of September 30, 2025	2,139,550 shares
      As of March 31, 2025	2,208,145 shares

   3. Average number of shares outstanding during the period

      Six months ended September 30, 2025	30,606,203 shares
      Six months ended September 30, 2024	30,463,037 shares

      *The Bank has introduced a Trust-based Employee Shareholding Incentive Plan (the "Plan"). The number of treasury shares at the end of the period includes shares of the Bank held by the Plan (583,400 shares as of September 30, 2025 and 635,000 shares as of March 31, 2025). In the calculation of the average number of shares outstanding during the year, the average number of shares held by the Plan (609,305 shares during the six months ended September 30, 2025 and 729,868 shares during the six months ended September 30, 2024) is included as the treasury shares to be deducted.

      Overview of non-consolidated financial results
      1. Non-consolidated financial results for the six months ended September 30, 2025 (from April 1, 2025 to September 30, 2025)
         1. Non-consolidated operating results (Percentages indicate year-on-year changes.)

            	Ordinary income		Ordinary profit		Profit
            Six months ended September 30, 2025 September 30, 2024	Millions of yen 33,278 24,961	% 33.3 (4.4)	Millions of yen 5,979 4,144	% 44.2 37.7	Millions of yen 4,519 3,043	% 48.5 15.7

            	Basic earnings per share
            Six months ended	Yen
            September 30, 2025	147.67
            September 30, 2024	99.89

         2. Non-consolidated financial position

         	Total assets	Net assets	Equity-to-asset ratio
         As of September 30, 2025 March 31, 2025	Millions of yen 4,566,682 4,506,110	Millions of yen 213,129 194,716	% 4.6 4.3

         Reference: Equity

         As of September 30, 2025: ¥ 213,081 million

         As of March 31, 2025: ¥ 194,668 million

         (Note) "Equity-to-asset ratio" is calculated by dividing (total net assets at the end of period - share acquisition rights at the end of period - non-controlling interests at the end of period) by the total assets at the end of period.

         This "Equity-to-asset ratio" is not the regulatory capital ratio provided for in the public notice pertaining to regulatory capital ratio.

      2. Non-consolidated financial result forecasts for the fiscal year ending March 31, 2026 (from April 1, 2025 to March 31, 2026)

      (Percentages indicate year-on-year changes.)

      	Ordinary profit		Profit		Basic earnings per share
      Full year	Millions of yen 12,200	% 24.6	Millions of yen 8,800	% 22.2	Yen 287.17

      • Semi-annual financial results reports are exempt from interim audit conducted by certified public accountants or an audit firm.

      • Proper use of earnings forecasts, and other special matters

      • Forecasts of financial results described in this document are based on information available to the Bank as of the date of this document's release, and actual results may differ due to changes in the circumstances and other factors.

      • As the Bank qualifies as a company engaged in specified business (a company conducting business as defined in Article 18,

      Paragraph 2 of the Cabinet Office Order on Disclosure of Corporate Affairs), it prepares type 2 semi-annual consolidated financial statements and type 2 semi-annual non-consolidated financial statements for the second quarter accounting period.

      Table of Contents - Attachments

      1. Qualitative Information on Semi-annual Financial Results 2

         1. Explanation of Consolidated Operating Results 2

         2. Explanation of Consolidated Financial Position 2

         3. Explanation of Consolidated Financial Results Forecast and Other Forward-looking Information 2

      2. Semi-annual Consolidated Financial Statements and Principal Notes 3

         1. Semi-annual Consolidated Balance Sheets 3

         2. Semi-annual Consolidated Statements of Income and Comprehensive Income 4

         3. Semi-annual Consolidated Statements of Changes in Equity 6

         4. Notes on Going Concern Assumption 8

      3. Semi-annual Non-Consolidated Financial Statements 9

         1. Semi-annual Non-Consolidated Balance Sheets 9

         2. Semi-annual Non-Consolidated Statements of Income 11

         3. Semi-annual Non-Consolidated Statements of Changes in Equity 12

      4. Supplementary Information 16

      Financial Results Briefing Materials for the First Six Months of FY2025 16

      1. Qualitative Information on Semi-annual Financial Results

         1. Explanation of Consolidated Operating Results

            During the first six months under review, the Japanese economy remained on a moderate recovery trend. While production remained within a flat range due to the impact of U.S. trade policies and slowing external demand, personal consumption continued to show signs of recovery, supported by improvements in employment and income conditions, and capital investment also showed solid performance, supported by firm investment sentiment.

            Regarding the financial situation during this period, amid exchange rates remaining within a flat range, the Nikkei Stock Average continued its upward trend against the backdrop of U.S. interest rate cut expectations and improving corporate earnings, surpassing 45,000 yen near the end of the period to set a new all-time high.

            In the Yamanashi Prefecture economy, the number of international tourists remained strong, and improvement in the tourism-related sector gained momentum. However, in terms of production, signs of weakness were seen in some sectors of the machinery industry such as semiconductor manufacturing equipment and automotive parts. Also on the demand side, personal consumption lacked momentum as prolonged high prices heightened people's awareness of protecting their livelihoods, and a cautious stance toward capital investment was observed as well. Overall, the recovery trend appeared to have lost momentum.

            Regarding the operating results for the first six months under review, ordinary income increased by 8,508 million yen year on year to 36,427 million yen, due to increases in interest on loans, interest and dividends on securities, and gain on sale of bonds.

            Ordinary expenses increased by 6,825 million yen year on year to 30,379 million yen, primarily due to increases in interest on deposits, etc. and loss on redemption of bonds.

            As a result, ordinary profit increased by 1,683 million yen year on year to 6,047 million yen. Profit attributable to owners of the parent increased by 1,286 million yen year on year to 4,371 million yen.

         2. Explanation of Consolidated Financial Position

            Regarding changes in key accounts, total deposits, including negotiable certificates of deposit, increased by 172.9 billion yen from March 31, 2025 to 3,792.4 billion yen, mainly due to an increase in public deposits.

            Loans increased by 102.6 billion yen from March 31, 2025 to 2,851.5 billion yen, mainly due to an increase in corporate and consumer loans.

            Securities increased by 23.8 billion yen from March 31, 2025 to 1,142.6 billion yen, mainly due to an increase in JGBs.

         3. Explanation of Consolidated Financial Results Forecast and Other Forward-looking Information

            The full-year financial results forecast for the fiscal year ending March 31, 2026, announced on May 13, 2025, has been revised as follows, based on the financial results for the first six months under review and other factors. In addition, the Bank has also revised the interim dividend and year-end dividend forecast. For details, please refer to the "Notice Concerning Revisions to Financial Results Forecasts, Determination of Dividends of Surplus (Interim Dividend, Increased Dividend), and Revision to Year-end Dividend Forecast (Increased Dividend)" announced today (November 14, 2025).

            (Millions of yen)

            	Consolidated financial results forecast		Non-consolidated financial results forecast
            	Ordinary profit	Profit attributable to owners of parent	Ordinary profit	Net income	Core net business profit (ex. gain on cancellation of investment trusts)
            Previous forecast	12,400	8,400	11,900	8,200	13,700
            Revised forecast	12,900	9,000	12,200	8,800	16,600
            Change	500	600	300	600	2,900

      2. Semi-annual Consolidated Financial Statements and Primary Notes

         1. Semi-annual Consolidated Balance Sheet

            (Millions of yen)

            As of March 31, 2025 As of September 30, 2025

            Assets

            Cash and due from banks 554,863 486,782

            Call loans and bills bought 206 1,811

            Monetary claims bought 17,190 12,533

            Trading securities - 20

            Money held in trust 6,696 7,107

            Securities 1,118,735 1,142,624

            Loans and bills discounted 2,748,878 2,851,510

            Foreign exchanges 2,837 1,664

            Other assets 23,671 34,018

            Tangible fixed assets 21,482 21,430

            Retirement benefit asset 26,935 27,364

            Intangible fixed assets 4,272 3,948

            Customers' liabilities for acceptances and guarantees 6,609 6,351

            Deferred tax assets 4,551 381

            Total assets 4,527,011 4,588,010

            Allowance for loan losses (9,920) (9,538)

            Deposits 3,547,334 3,712,489

            Liabilities

            Cash collateral received for securities lent 145,897 -

            Negotiable certificates of deposit 72,144 79,929

            Foreign exchanges 168 618

            Borrowed money 493,584 498,193

            Provision for bonuses 1,946 1,922

            Other liabilities 41,447 49,812

            Provision for bonuses for directors (and other officers) 50 32

            Provision for contingent loss 131 106

            Provision for reimbursement of deposits 156 132

            Acceptances and guarantees 6,609 6,351

            Deferred tax liabilities 4,286 6,942

            Net assets

            Total liabilities 4,313,769 4,356,537

            Capital surplus 10,031 10,056

            Share capital 15,400 15,400

            Treasury shares (2,722) (2,643)

            Retained earnings 183,559 186,557

            Valuation difference on available-for-sale securities (2,763) 10,647

            Total shareholders' equity 206,267 209,370

            Remeasurements of defined benefit plans 8,940 8,676

            Deferred gains or losses on hedges 291 2,220

            Share acquisition rights 48 48

            Total accumulated other comprehensive income 6,468 21,545

            Total net assets 213,241 231,473

            Non-controlling interests 457 509

            Total liabilities and net assets 4,527,011 4,588,010

            Provision for retirement benefits for directors (and other officers)

            11

            4

         2. Semi-annual Consolidated Statements of Income and Comprehensive Income

            Semi-annual Consolidated Statement of Income
            		(Millions of yen)
            	For the six months ended September 30, 2024	For the six months ended September 30, 2025
            Ordinary income	27,918	36,427
            Interest income	16,785	23,469
            Interest on loans and discounts	11,796	16,147
            Interest and dividends on securities	4,038	5,733
            Fees and commissions	5,936	5,884
            Other ordinary income	2,953	4,399
            Other income	2,244	2,673
            Ordinary expenses	23,554	30,379
            Interest expenses	673	4,507
            Interest on deposits	562	3,431
            Fees and commissions payments	1,351	1,676
            Other ordinary expenses	7,164	9,998
            General and administrative expenses	13,555	14,022
            Other expenses	808	173
            Ordinary profit	4,364	6,047
            Extraordinary income	20	158
            Gain on disposal of non-current assets	20	158
            Extraordinary losses	22	106
            Loss on disposal of non-current assets	22	105
            Impairment losses	0	0
            Profit before income taxes	4,362	6,100
            Income taxes - current	968	1,848
            Income taxes - deferred	284	(126)
            Total income taxes	1,253	1,721
            Profit	3,108	4,379
            Profit attributable to non-controlling interests	23	7
            Profit attributable to owners of parent	3,085	4,371

            Semi-annual Consolidated Statement of Comprehensive Income

            For the six months ended September 30, 2024

            For the six months ended September 30, 2025

            Profit 3,108 4,379

            (Millions of yen)

            Other comprehensive income (5,146) 15,121

            Valuation difference on available-for-sale securities (4,984) 13,456

Deferred gains or losses on hedges (57) 1,929

Comprehensive income attributable to non-controlling interests

(49)

52

Comprehensive income

(2,038)

19,501

Comprehensive income attributable to owners of parent

(1,988)

19,448

Comprehensive income attributable to

Remeasurements of defined benefit plans, net of tax (104) (263)

1. Semi-annual Consolidated Statement of Changes in Equity

For the six months ended September 30, 2024

(Millions of yen)

For the six months ended September 30, 2025

(Millions of yen)

1. Notes on Going Concern Assumption

Not applicable.

1. Semi-annual Non-consolidated Financial Statements and Primary Notes

1. Semi-annual Non-consolidated Balance Sheet

   (Millions of yen)

   As of March 31, 2025 As of September 30, 2025

   Assets
   Cash and due from banks	554,777	486,779
   Call loans	206	1,811
   Monetary claims bought	13,598	9,072
   Trading securities	-	20
   Money held in trust	6,696	7,107
   Securities	1,119,912	1,143,607
   Loans and bills discounted	2,760,066	2,864,563
   Foreign exchanges	2,837	1,664
   Other assets	5,859	13,655
   Other	5,859	13,655
   Tangible fixed assets	21,379	21,314
   Intangible fixed assets	4,244	3,905
   Prepaid pension costs	13,912	14,725
   Deferred tax assets	4,260	-
   Customers' liabilities for acceptances and guarantees	6,609	6,351
   Allowance for loan losses	(8,251)	(7,895)
   Total assets	4,506,110	4,566,682
   Liabilities
   Deposits	3,548,939	3,713,803
   Negotiable certificates of deposit	79,944	87,229
   Cash collateral received for securities lent	145,897	-
   Borrowed money	490,821	495,767
   Foreign exchanges	168	618
   Other liabilities	36,795	44,994
   Income taxes payable	1,459	1,127
   Lease liabilities	1,086	1,066
   Other	34,249	42,800
   Provision for bonuses	1,896	1,865
   Provision for bonuses for directors (and other officers)	33	24
   Provision for reimbursement of deposits	156	132
   Provision for contingent loss	131	106
   Deferred tax liabilities	-	2,659
   Acceptances and guarantees	6,609	6,351
   Total liabilities	4,311,394	4,353,552

   (Millions of yen) As of March 31, 2025 As of September 30, 2025

   Net assets
   Share capital	15,400	15,400
   Capital surplus	8,320	8,344
   Legal capital surplus	8,287	8,287
   Other capital surplus	32	57
   Retained earnings	176,371	179,517
   Legal retained earnings	9,405	9,405
   Other retained earnings	166,965	170,112
   Reserve for tax purpose reduction entry of non-current assets	210	210
   General reserve	156,101	161,101
   Retained earnings brought forward	10,654	8,800
   Treasury shares	(2,722)	(2,643)
   Total shareholders' equity	197,368	200,618
   Valuation difference on available-for-sale securities	(2,991)	10,241
   Deferred gains or losses on hedges	291	2,220
   Total valuation and translation adjustments	(2,699)	12,462
   Share acquisition rights	48	48
   Total net assets	194,716	213,129
   Total liabilities and net assets	4,506,110	4,566,682

2. Semi-annual Non-consolidated Statement of Income

   For the six months

   (Millions of yen) For the six months

   ended September 30, 2024 ended September 30, 2025

   Ordinary income	24,961	33,278
   Interest income	17,043	24,073
   Interest on loans and discounts	11,819	16,181
   Interest and dividends on securities	4,276	6,305
   Fees and commissions	5,195	5,135
   Other ordinary income	587	1,547
   Other income	2,134	2,522
   Ordinary expenses	20,817	27,299
   Interest expenses	698	4,531
   Interest on deposits	562	3,433
   Fees and commissions payments	1,513	1,885
   Other ordinary expenses	5,081	7,473
   General and administrative expenses	12,745	13,275
   Other expenses	778	134
   Ordinary profit	4,144	5,979
   Extraordinary income	20	158
   Gain on disposal of non-current assets	20	158
   Extraordinary losses	22	106
   Loss on disposal of non-current assets	22	105
   Impairment losses	0	0
   Profit before income taxes	4,141	6,031
   Income taxes - current	810	1,545
   Income taxes - deferred	288	(33)
   Total income taxes	1,098	1,512
   Profit	3,043	4,519

3. Semi-annual Non-consolidated Statement of Changes in Equity

   For the six months ended September 30, 2024

   (Millions of yen)

   	Shareholders' equity
   	Share capital	Capital surplus			Retained earnings
   		Legal capital surplus	Other capital surplus	Total capital surplus	Legal retained earnings	Other retained earnings
   						Reserve for tax purpose reduction entry of non-current assets	Reserve for special account for tax purpose reduction entry of non-current assets	General reserve	Retained earnings brought forward
   Balance at beginning of period	15,400	8,287	16	8,303	9,405	204	8	152,101	9,417
   Changes during period
   Dividends of surplus									(966)
   Profit									3,043
   Provision of reserve for tax purpose reduction entry of non-current assets						8			(8)
   Reversal of reserve for special account for tax purpose reduction entry of non-current assets							(8)		8
   Provision of general reserve								4,000	(4,000)
   Purchase of treasury shares
   Disposal of treasury shares			16	16
   Net changes in items other than shareholders' equity
   Total changes during period	-	-	16	16	-	8	(8)	4,000	(1,923)
   Balance at end of period	15,400	8,287	32	8,320	9,405	213	-	156,101	7,493

   	Shareholders' equity			Valuation and translation adjustments			Share acquisition rights	Total net assets
   	Retained earnings	Treasury shares	Total shareholders' equity	Valuation difference on available-for-sale securities	Deferred gains or losses on hedges	Total valuation and translation adjustments
   	Total retained earnings
   Balance at beginning of period	171,136	(2,897)	191,943	11,131	-	11,131	54	203,129
   Changes during period
   Dividends of surplus	(966)		(966)					(966)
   Profit	3,043		3,043					3,043
   Provision of reserve for tax purpose reduction entry of non-current assets
   Reversal of reserve for special account for tax purpose reduction entry of non-current assets
   Provision of general reserve
   Purchase of treasury shares		(0)	(0)					(0)
   Disposal of treasury shares		104	120					120
   Net changes in items other than shareholders' equity				(4,707)	(57)	(4,764)	(6)	(4,771)
   Total changes during period	2,076	103	2,196	(4,707)	(57)	(4,764)	(6)	(2,574)
   Balance at end of period	173,212	(2,793)	194,139	6,423	(57)	6,366	48	200,554

   For the six months ended September 30, 2025

   (Millions of yen)

   	Shareholders' equity
   	Share capital	Capital surplus			Retained earnings
   		Legal capital surplus	Other capital surplus	Total capital surplus	Legal retained earnings	Other retained earnings
   						Reserve for tax purpose reduction entry of non-current assets	Reserve for special account for tax purpose reduction entry of non-current assets	General reserve	Retained earnings brought forward
   Balance at beginning of period	15,400	8,287	32	8,320	9,405	210	-	156,101	10,654
   Changes during period
   Dividends of surplus									(1,373)
   Profit									4,519
   Provision of reserve for tax purpose reduction entry of non-current assets
   Reversal of reserve for special account for tax purpose reduction entry of non-current assets
   Provision of general reserve								5,000	(5,000)
   Purchase of treasury shares
   Disposal of treasury shares			24	24
   Net changes in items other than shareholders' equity
   Total changes during period	-	-	24	24	-	-	-	5,000	(1,853)
   Balance at end of period	15,400	8,287	57	8,344	9,405	210	-	161,101	8,800

   	Shareholders' equity			Valuation and translation adjustments			Share acquisition rights	Total net assets
   	Retained earnings	Treasury shares	Total shareholders' equity	Valuation difference on available-for-sale securities	Deferred gains or losses on hedges	Total valuation and translation adjustments
   	Total retained earnings
   Balance at beginning of period	176,371	(2,722)	197,368	(2,991)	291	(2,699)	48	194,716
   Changes during period
   Dividends of surplus	(1,373)		(1,373)					(1,373)
   Profit	4,519		4,519					4,519
   Provision of reserve for tax purpose reduction entry of non-current assets
   Reversal of reserve for special account for tax purpose reduction entry of non-current assets
   Provision of general reserve
   Purchase of treasury shares		(0)	(0)					(0)
   Disposal of treasury shares		80	104					104
   Net changes in items other than shareholders' equity				13,232	1,929	15,162		15,162
   Total changes during period	3,146	79	3,250	13,232	1,929	15,162	-	18,413
   Balance at end of period	179,517	(2,643)	200,618	10,241	2,220	12,462	48	213,129

   Financial Results Briefing Materials for

   the First Six Months of FY 2025

The Yamanashi Chuo Bank, Ltd.

Contents

mandatory disclosure of bad debt under the

[Non-consolidated / Consolidated] ･････････ 13

1. Key Points of Financial Results for the First Six Months of FY2025

   			First half ended September 30, 2024	Initial forecast for first half ended September 30, 2025 (announced in May 2025)
   	First half ended September 30, 2025	Change from first half ended September 30, 2024
   Ordinary income	33,278	8,317	24,961	-

   1. Profit and loss [Non-consolidated]

      Ordinary income increased by 8,317 million yen year on year to 33,278 million yen, due to increases in interest on loans, interest and dividends on securities, and gain on sale of bonds.

      Ordinary profit increased by 1,835 million yen year on year to 5,979 million yen, due to an increase in ordinary income, despite an increase of 6,482 million yen year on year in ordinary expenses, resulting mainly from increases in interest on deposits, etc. and loss on redemption of bonds.

      Net income increased by 1,476 million yen year on year to 4,519 million yen.

      (Millions of yen)

      Gross business profit (Core gross business profit)			16,873	1,339	15,534
      			22,157	2,550	19,607
      	Interest income		19,548	3,202	16,346
      	Fees and commissions		3,249	(432)	3,681
      	Other operating income		(5,925)	(1,432)	(4,493)
      		JGBs and other bond transactions	(5,284)	(1,212)	(4,072)
      Expenses (ex. non-recurring processing)			13,634	754	12,880
      General provision to loan loss reserve			-	285	(285)
      Net business profit			3,238	299	2,939
      Core net business profit			8,522	1,795	6,727	6,500
      Core net business profit (excluding gain on cancellation of investment trusts)			8,522	1,795	6,727	6,500
      Non-operating gains (losses)			2,747	1,542	1,205
      	Reversal of allowance for loan losses		104	104	-
      	Disposal of non-performing loans		18	(703)	721
      	Stock and other related income		1,679	215	1,464
      Ordinary profit			5,979	1,835	4,144	6,000
      Extraordinary income (losses)			52	54	(2)
      Profit before income taxes			6,031	1,890	4,141
      Total corporate taxes, etc.			1,512	414	1,098
      Net income			4,519	1,476	3,043	4,200

      Credit costs

      (86)

      (522)

      436

      1,100

   2. Deposits, loans, securities, etc. [Non-consolidated, ending balance]

      (1) Deposits, etc.

      Deposits increased by 164.8 billion yen year on year to 3,713.8 billion yen, mainly due to an increase in public deposits.

      Negotiable certificates of deposit increased by 7.2 billion yen year on year to 87.2 billion yen.

      Total balance of JGBs and investment trusts from over-the-counter sales increased by 25.7 billion yen year on year to 221.9 billion yen.

      (100 million yen)

      Balance of investment trust from over-the-counter sales	1,621	198	234	1,422	1,387
      Balance of JGBs from over-the- counter sales	597	59	83	538	513
      Total	2,219	257	318	1,961	1,901

      		As of September 30, 2025			As of March 31, 2025	As of September 30, 2024
      			Change from March 31, 2025	Change from September 30, 2024
      Deposits		37,138	1,648	1,705	35,489	35,432
      Negotiable certificates of deposit		872	72	90	799	781
      Total		38,010	1,721	1,796	36,288	36,213
      	Corporate	9,200	505	391	8,694	8,809
      	Individual	25,514	96	160	25,417	25,353

      			As of September 30, 2025			As of March 31, 2025	As of September 30, 2024
      				Change from March 31, 2025	Change from September 30, 2024
      Total of loans			28,645	1,044	2,696	27,600	25,948
      	To SMEs		16,889	383	1,347	16,506	15,542
      		Consumer loans	5,585	237	488	5,347	5,096

      1. Loans

         Loans increased by 104.4 billion yen year on year to 2,864.5 billion yen, mainly due to an increase in corporate and consumer loans.

         Of which, loans to SMEs increased by 38.3 billion yen year on year to 1,688.9 billion yen. Consumer loans increased by 23.7 billion yen year on year to 558.5 billion yen.

         (100 million yen)

      2. Securities

      Securities increased by 23.6 billion yen year on year to 1,143.6 billion yen, mainly due to an increase in JGBs.

      Gains (losses) on valuation of available-for-sale securities increased by 19.2 billion yen year on year to 14.4 billion yen.

      (100 million yen)

      	As of September 30, 2025			As of March 31, 2025	As of September 30, 2024
      		Change from March 31, 2025	Change from September 30, 2024
      JGBs	4,237	1,109	1,636	3,127	2,601
      Municipal bonds	2,066	(300)	(588)	2,366	2,654
      Corporate bonds	1,262	(40)	(91)	1,302	1,354
      Stock	742	71	104	670	637
      Other	3,127	(603)	(682)	3,731	3,809
      Foreign bonds	561	312	526	248	34
      Total	11,436	236	378	11,199	11,057

      Gains (losses) on valuation of available-for-sale securities (100 million yen)

      	As of September 30, 2025			As of March 31, 2025	As of September 30, 2024
      		Change from March 31, 2025	Change from September 30, 2024
      Stock	511	82	136	428	374
      Bonds*	(401)	(37)	(221)	(363)	(180)
      Other	34	147	140	(112)	(105)
      Foreign bonds	(0)	(1)	0	1	(0)
      Total	144	192	55	(48)	88

      Interest rate swaps (deferred hedge)*

      32

      28

      33

      4

      (0)

      Total after taking hedge into account*

      176

      221

      89

      (44)

      87

      * For a portion of the bonds, hedging transactions are conducted using interest rate swaps to reduce fair value fluctuation risks, and deferred hedge accounting is applied.

   3. Regulatory capital ratio (Domestic standards) [Non-consolidated] & [Consolidated]

      Non-consolidated regulatory capital ratio increased by 0.01 percentage points year on year to 9.70%, and consolidated regulatory capital ratio decreased by 0.07 percentage points year on year to 10.14%

      	As of September 30, 2025			As of March 31, 2025	As of September 30, 2024
      		Change from March 31, 2025	Change from September 30, 2024
      Non-consolidated regulatory capital ratio	9.70%	0.01%	0.23%	9.69%	9.47%
      Consolidated regulatory capital ratio	10.14%	( 0.07% )	0.19%	10.21%	9.95%

   4. Non-performing loans [Non-consolidated]

      Non-performing loans decreased by 0.2 billion yen year on year to 25.1 billion yen.

      The non-performing loan ratio decreased by 0.04 percentage points year on year to 0.87%.

      		As of September 30, 2025			As of March 31, 2025	As of September 30, 2024
      			Change from March 31, 2025	Change from September 30, 2024
      Bankrupt and quasi-bankrupt claims		64	(3)	(17)	67	81
      Doubtful claims		119	(5)	(5)	124	124
      Claims requiring supervision		67	7	21	60	46
      	Accruing loans contractually past due 3 months or more	0	(0)	0	0	-
      	Restructured loans	67	7	21	60	46
      Subtotal (A)		251	(2)	(0)	253	252
      Normal claims		28,518	1,032	2,663	27,486	25,854
      Total (B)		28,769	1,029	2,662	27,739	26,107
      Disclosed bad debt (A)/(B)		0.87	(0.04)	(0.09)	0.91	0.96

      (100 million yen; %)

   5. Financial results forecast [Non-consolidated]

      Under circumstances where increases in interest on deposits, etc. and expenses are expected, ordinary profit is projected to increase by 2.4 billion yen year on year, due to increases in interest on loans and interest and dividends on securities.

      Net income is projected to increase by 1.6 billion yen year on year.

      (100 million yen)

      			Forecast for fiscal year ending March		Actual results for fiscal year ended March 2025	Previous forecast
      			2026	Increase (decrease)
      Gross business profit			365	46	319	363
      		Interest income	392	53	339	358
      		Fees and commissions	67	(4)	72	73
      		Other operating income (ex. JGBs and other bond transactions)	(15)	(7)	(8)	(20)
      	Core gross business profit		444	40	404	411
      	JGBs and other bond transactions		(79)	5	(84)	(47)
      Expenses			278	19	258	274
      General provision to loan loss reserve			0	(0)	0	0
      Net business profit			86	26	59	89
      Core net business income			166	20	145	137
      Core net business income (ex. gain on cancellation of investment trusts)			166	20	145	137
      Non-operating gains (losses)			36	(1)	38	30
      	Disposal of non-performing loans		13	(0)	14	26
      	Stock and other related income		40	(7)	47	47
      Ordinary profit			122	24	97	119
      Net income			88	16	71	82

      Interest income			Forecast for fiscal year ending March 2026		Actual results for fiscal year ended March 2025	Previous forecast
      				Increase (decrease)
      	Income from fund management		484	114	369	437
      		Interest on loans	331	80	251	296
      		Interest and dividends on securities	123	25	97	109
      		Interest on call loans, etc.	29	8	20	30
      	Fund procurement expenses		91	61	29	78
      		Interest on deposits, etc.	73	49	23	64
      		Interest on call money, etc.	17	11	6	13
      	Interest income		392	53	339	358

      Fees and commissions		Forecast for fiscal year ending March 2026		Actual results for fiscal year ended March 2025	Previous forecast
      			Increase (decrease)
      	Fees and commissions	104	0	104	105
      	Fees and commissions expenses	37	5	31	31
      	Fees and commissions	67	(4)	72	73

      Expenses		Forecast for fiscal year ending March 2026		Actual results for fiscal year ended March 2025	Previous forecast
      			Increase (decrease)
      	Personnel	154	8	146	154
      	Premises and equipment	109	11	97	104
      	Tax	14	0	14	14
      	Expenses	278	19	258	274

2. Summary of Financial Results for the First Six Months of FY2025

   1. Profit and loss

      [Non-consolidated] (Millions of yen)

      			First six months of FY2025		First six months of FY2024
      				Change from first six months of FY2024
      Gross business profit (ex. JGBs and other bond transactions (balance of 5 accounts))			16,873	1,339	15,534
      			22,157	2,550	19,607
      	Domestic gross business profit (ex. JGBs and other bond transactions (balance of 5 accounts))		15,859	743	15,116
      			21,754	2,524	19,230
      		Interest income	18,544	2,969	15,575
      		Fees and commissions	3,208	(446)	3,654
      		Other operating income (JGBs and other bond transactions (balance of 5 accounts))	(5,893)	(1,779)	(4,114)
      			(5,894)	(1,780)	(4,114)
      	International gross business profit (ex. JGBs and other bond transactions (balance of 5 accounts))		1,013	595	418
      			403	26	377
      		Interest income	1,004	233	771
      		Fees and commissions	40	14	26
      		Other operating income (JGBs and other bond transactions (balance of 5 accounts))	(31)	348	(379)
      			609	568	41
      Expenses (ex. non-recurring processing)			13,634	754	12,880
      	Personnel		7,660	364	7,296
      	Premises and equipment		5,144	354	4,790
      	Tax		829	36	793
      Net business profit (before general provision to loan loss reserve)			3,238	584	2,654
      	Core net business profit		8,522	1,795	6,727
      	Core net business profit (ex. gain on cancellation of investment trusts)		8,522	1,795	6,727
      General provision to loan loss reserve			-	285	(285)
      Net business profit			3,238	299	2,939
      	(JGBs and other bond transactions (balance of 5 accounts))		(5,284)	(1,212)	(4,072)
      Non-operating gains (losses)			2,747	1,542	1,205
      	Reversal of allowance for loan losses		104	104	-
      	Net provision to specific loan loss reserve		-	(686)	686
      	Stock and other related income		1,679	215	1,464
      	Othe non-operating gains (losses)		963	536	427
      Ordinary profit			5,979	1,835	4,144
      Extraordinary income (losses)			52	54	(2)
      	Gains (losses) on disposal of non-current assets		53	55	(2)
      	Impairment losses		0	0	0
      Profit before income taxes			6,031	1,890	4,141
      	Income taxes: basic		1,545	735	810
      	Income taxes: deferred		(33)	(321)	288
      Total income taxes			1,512	414	1,098
      Net income			4,519	1,476	3,043

      Disposal of non-performing loans A		18	(703)	721
      	Net provision to specific loan loss reserve	-	(686)	686
      	Loans written off	0	0	0
      	Loss on sale of claims	-	-	-
      	Provision to reserve for contingent losses	18	(16)	34
      Net provision to general loan loss reserve B		-	285	(285)
      Reversal of allowance for loan losses C		104	104	-
      Reversal of provision for contingent loss D		-	-	-
      Credit costs A+B-C-D		(86)	(522)	436

      Consolidated

      (Consolidated Statements of Income basis) (Millions of yen)

      		First six months of FY2025		First six months of FY2024
      			Change from first six months of FY2024
      Consolidated gross business profit		17,577	1,092	16,485
      	Interest income	18,968	2,856	16,112
      	Fees and commissions	4,207	(377)	4,584
      	Other operating income	(5,598)	(1,387)	(4,211)
      Operating expenses		14,022	467	13,555
      Other ordinary profit (losses)		2,500	1,065	1,435
      	Reversal of allowance for loan losses	119	119	-
      	Net provision to specific loan loss reserve	-	(700)	700
      	Net provision to general loan loss reserve	-	297	(297)
      	Stock and other related income	1,722	135	1,587
      	Other	657	407	250
      Ordinary profit		6,047	1,683	4,364
      Extraordinary income (losses)		52	54	(2)
      Profit before income taxes		6,100	1,738	4,362
      	Income taxes: basic	1,848	880	968
      	Income taxes: deferred	(126)	(410)	284
      Total income taxes		1,721	468	1,253
      Net income		4,379	1,271	3,108
      Profit attributable to non-controlling interests		7	(16)	23
      Profit attributable to owners of the parent		4,371	1,286	3,085

      Disposal of non-performing loans A		18	(721)	739
      	Net provision to specific loan loss reserve	-	(700)	700
      	Loans written off	0	(4)	4
      	Loss on sale of claims	-	-	-
      	Provision to reserve for contingent losses	18	(16)	34
      Net provision to general loan loss reserve B		-	297	(297)
      Reversal of allowance for loan losses C		119	119	-
      Reversal of provision for contingent loss D		-	-	-
      Credit costs A+B-C-D		(101)	(542)	441

      Note: Consolidated gross business profit = (Income from fund management - Fund procurement expenses) + (Fees and commissions - Fees and commissions expences)

      (Number of consolidated companies) (Companies)

      	First six months of FY2025		First six months of FY2024
      		Change from first six months of FY2024
      Number of consolidated subsidiaries	6	1	5
      Number of affiliated companies applicable to the equity method	-	-	-

   2. Net business profit [Non-consolidated] (Millions of yen)

      		First six months of FY2025		First six months of FY2024
      			Change from first six months of FY2024
      (1) Core net business profit		8,522	1,795	6,727
      	Per employee (Thousands of yen)	5,196	1,013	4,183
      (2) Net business profit (before general provision to loan loss reserve)		3,238	584	2,654
      	Per employee (Thousands of yen)	1,974	324	1,650
      (3) Net business profit		3,238	299	2,939
      	Per employee (Thousands of yen)	1,974	146	1,828

      *Core net business profit = Net business profit + General provision to loan loss reserve - JGBs and other bond transactions

   3. Yields [Non-consolidated]

      (All branches) (%)

      		First six months of FY2025		First six months of FY2024
      			Change from first six months of FY2024
      (1) Fund operations (A)		1.06	0.29	0.77
      	(a) Loans (a)	1.15	0.23	0.92
      	(b) Securities	1.11	0.33	0.78
      (2) Fund procument costs (B)		0.82	0.19	0.63
      	(a) Deposits, etc. (b)	0.19	0.16	0.03
      	(b) Call money and borrowed money	0.20	0.18	0.02
      (3) Loans/deposits interest (a) - (b) margin		0.96	0.07	0.89
      (4) Gross interest margin on funds (A) - (B) under management interest margin		0.24	0.10	0.14

      (Domestic operations) (%)

      		First six months of FY2025		First six months of FY2024
      			Change from first six months of FY2024
      (1) Fund operations (A)		1.01	0.28	0.73
      	(a) Loans (a)	1.12	0.24	0.88
      	(b) Securities	1.06	0.29	0.77
      (2) Fund procument costs (B)		0.82	0.20	0.62
      	(a) Deposits, etc. (b)	0.19	0.17	0.02
      	(b) Call money and borrowed money	0.20	0.18	0.02
      (3) Loans/deposits interest (a)－(b) margin		0.93	0.07	0.86
      (4) Gross interest margin on funds (A)－(B) under management interest margin		0.19	0.08	0.11

   4. Gains and losses related to securities [Non-consolidated] (Millions of yen)

      		First six months of FY2025		First six months of FY2024
      			Change from first six months of FY2024
      JGBs and other bond transactions (balance of 5 accounts)		(5,284)	(1,212)	(4,072)
      	Gain on sales	1,546	1,036	510
      	Gain on redemption	1	1	-
      	Loss on sales	1,757	650	1,107
      	Loss on redemption	5,074	1,599	3,475
      	Loss on devaluation	-	0	0

      Stock and other related income (balance of 3 accounts)		1,679	215	1,464
      	Gain on sales	1,680	190	1,490
      	Loss on sales	-	(18)	18
      	Loss on devaluation	1	(5)	6

   5. Gains and losses on valuation of securities

      [Non-consolidated] (Millions of yen)

      		As of September 30, 2025					As of March 31, 2025	As of September 30, 2024
      							Appraisal gains (losses)	Appraisal gains (losses)
      					Appraisal gains	Appraisal losses
      		Appraisal gains (losses)	Change from March 31, 2025	Change from September 30, 2024
      	Held-to-maturity bonds	(69)	5	(33)	0	69	(74)	(36)
      	Stock of subsidiaries and affiliated companies	-	-	-	-	-	-	-
      	Available-for-sale securities	14,463	19,295	5,590	56,056	41,592	(4,832)	8,873
      Total		14,393	19,299	5,557	56,056	41,662	(4,906)	8,836
      		Stock	51,130	8,298	13,674	51,270	140	42,832	37,456
      		Bonds	(40,187)	(3,739)	(22,137)	39	40,226	(36,448)	(18,050)
      		Other	3,451	14,741	14,020	4,746	1,295	(11,290)	(10,569)
      		Foreign bonds	(51)	(196)	29	49	100	145	(80)
      Interest rate swaps (deferred hedge)		3,234	2,810	3,316	3,234	-	424	(82)

      Total after taking hedge into account

      17,628

      22,110

      8,875

      59,291

      41,662

      (4,482)

      8,753

      [Consolidated] (Millions of yen)

      		As of September 30, 2025					As of March 31, 2025	As of September 30, 2024
      							Appraisal gains (losses)	Appraisal gains (losses)
      		Appraisal gains			Appraisal gains	Appraisal losses
      		(losses)	Change from March 31, 2025	Change from September 30, 2024
      	Held-to-maturity bonds	(276)	(2)	(141)	0	276	(274)	(135)
      	Available-for-sale securities	15,404	19,638	5,601	56,997	41,592	(4,234)	9,803
      Total		15,128	19,636	5,461	56,997	41,869	(4,508)	9,667
      		Stock	52,071	8,641	13,685	52,211	140	43,430	38,386
      		Bonds	(40,393)	(3,745)	(22,244)	39	40,433	(36,648)	(18,149)
      		Other	3,451	14,741	14,020	4,746	1,295	(11,290)	(10,569)
      		Foreign bonds	(51)	(196)	29	49	100	145	(80)
      Interest rate swaps (deferred hedge)		3,234	2,810	3,316	3,234	-	424	(82)

      Total after taking hedge into account

      18,363

      22,447

      8,779

      60,232

      41,869

      (4,084)

      9,584

      Notes:

      1. "Available-for-sale securities" are evaluated based on the market value at the end of the period, and the table above states the difference between the amount recorded on the semi-annual (consolidated) balance sheet and the acquisition price.

      2. For a portion of the bonds, hedging transactions are conducted using interest rate swaps to reduce fair value fluctuation risks, and deferred

         hedge accounting is applied.

      3. The amount of "Valuation difference on available-for-sale securities" as of September 30, 2025 is 10,241 million yen on a non-consolidated basis and 10,647 million yen on a consolidated basis.

   6. ROE [Non-consolidated] (%)

      	First six months of FY2025		First six months of FY2024
      		Change from first six months of FY2024
      Core net business profit basis (*)	8.33	1.69	6.64
      Net business profit basis (*)	3.16	0.26	2.90
      Net income basis (*)	4.42	1.42	3.00

      Core net business profit (Net business profit and net income)

      ※ ((Net assets at the beginning of the period－Subscription rights to shares at the beginning of the period)＋ (Net assets at end of the period－Subscription rights to shares at end of the period))÷2

      ÷183×365

   7. ROA and OHR [Non-consolidated] (%)

      	First six months of FY2025		First six months of FY2024
      		Change from first six months of FY2024
      ROA (Net business profit basis; *)	0.14	0.01	0.13
      OHR	80.80	(2.11)	82.91
      OHR (Core gross business profit basis)	61.53	(4.16)	65.69

      Net business income

      ※ (Total assets at the beginning of the period＋Total assets at end of

      the period)÷2

      ÷183×365

      Core gross business profit = Gross business profit - JGBs and other bond transactions

   8. Regulatory capital ratio (Domestic standards) [Non-consolidated]

(Millions of yen)

[Consolidated]

(Millions of yen)

Notes:

"Total required capital" is the risk-weighted assets, etc. multiplied by 4%.