Brief Report of Financial Results for the Nine Months ended November 30, 2025

Note : This document has been translated from a part of the Japanese original for reference purposes only. In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.

January 8, 2026

Company name AEON Financial Service Co., Ltd. Listings Tokyo Stock Exchange, Prime Market Security code 8570

URL https://www.aeonfinancial.co.jp/en/

Representative Tomoharu Fukayama, President and CEO

Contact: Shinichiro Nishimura, Managing Executive Officer TEL 03-5281-2027

Starting date of paying year-end dividend -

Preparation of brief summary materials for financial results Yes

Holding of financial results presentation Yes (For institutional investors and analysts)

1. Business performance (For the Nine Months ended November 30, 2025 and for the Nine Months ended November 30, 2024)
   1. Consolidated Operating Results

      (Millions of yen truncated to the nearest million, %, yen)

      	Operating income	Percentage Change	Operating profit	Percentage Change	Ordinary profit	Percentage Change	Profit attributable to owners of parent	Percentage Change
      Nine Months ended November 30, 2025 Nine Months ended November 30, 2024	421,566 388,772	8.4 9.3	41,711 37,917	10.0 45.2	42,250 38,941	8.5 43.7	14,446 13,763	5.0 55.4

      (Note) Comprehensive income; For the Nine Months ended November 30, 2025; 42,310 million (50.5%),

      For the Nine Months ended November 30, 2024; 28,116 million ( △26.1%)

      (yen)

      	Net Income per Share	Fully Diluted Net Income per Share
      Nine Months ended November 30, 2025	66.92	66.92
      Nine Months ended November 30, 2024	63.76	63.75

   2. Financial Position

   (Millions of yen truncated to the nearest million, %, yen)

   	Total Assets	Net Assets	Total equity ratio	Net Assets per Share
   Nine Months ended November 30, 2025 Fiscal 2024 ended February 28, 2025	8,338,079 7,756,492	607,897 585,766	5.6 5.9	2,169.87 2,136.09

   (Note) Equity capital; For the Nine Months ended November 30, 2025; 468,441 million Fiscal year ending February 2025; 461,139 million

2. Cash Dividends

   (yen)

   	Dividend per share
   (Base date)	First quarter period	Interim period	Third quarter period	Term end	Annual
   Fiscal 2024 ended February 28, 2025 Fiscal 2025 ended February 28, 2026	- -	25.00 25.00	- -	28.00	53.00
   Fiscal 2025 ended February 28, 2026 (Estimated)				28.00	53.00

   (Note) Amendments from the most recently published dividend forecast : None

3. Projections (For the fiscal year ending February 28, 2026)

   (Millions of yen, %) (YoY is the percentage of change to the previous year)

   	Operating income	YoY	Operating profit	YoY	Ordinary profit	YoY	Profit attributable to owners of parent	YoY	Net income per share
   Full term	570,000	6.9	57,000	△7.3	57,000	△8.9	21,000	34.2	97.28

   (Note) Amendments from the most recently published projections forecast : None

   ※Notes

   1. Change in significant subsidiary during the term: Yes

      Newly added: N/A, Excluded: 1 company (Company name) AEON Allianz Life Insurance Co., Ltd.

      (Note) For details, see " (3) Notes on the Consolidated Financial Statements (Significant changes in the scope of consolidation during the third quarter cumulative period)" on page 6 of the attached documents.

   2. Application of accounting treatment specific to the preparation of quarterly consolidated financial statements: None

   3. Change in accounting principle, procedure, disclosure, etc. concerning preparation of consolidated financial statements

      ①Change due to a newly issued accounting requirement: Yes

      ②Change other than ①: None

      ③Change accounting quotation: None

      ④Restatement: None

   4. Number of shares issued (Common stock)

      1. Number of shares issued at end of period (treasury stock included): November 30, 2025; 216,010,128 shares, Fiscal 2024; 216,010,128 shares

      2. Number of shares held in treasury at end of period:

         November 30, 2025; 125,845 shares; Fiscal 2024; 129,593 shares

      3. Average number of shares outstanding during the period: Nine Months ended November 30, 2025: 215,882,663 shares

         Nine Months ended November 30, 2024: 215,875,439 shares

         ※ Review of the Japanese originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm：Yes (mandatory)

         ※ Projections above are based on management's assumptions using information available at the time of publication and are not a guarantee of achieving these projections. Due to various factors, actual results may differ from these projections.

         ※ The Company provides FACT BOOK on its business and performance on its website.

         Attachments Contents

         1. Consolidated Financial Statements and Main Notes 2

            1. Consolidated Balance Sheet 2

            2. Consolidated Statement of Income 4

            3. Notes on the Consolidated Financial Statements 6

               (Significant Matters Concerning the Preparation of the Quarterly Consolidated Financial Statements) (Notes Regarding Going Concern Assumption)

               (Changes in the Scope of Consolidation or the Scope of Application of the Equity Method) (Changes in Accounting Policies)

               (Segment Information)

         2. Consolidated Financial Statements and Main Notes

（1）Consolidated Balance Sheet

Assets

(Millions of yen) As of February 28, 2025 As of November 30, 2025

(Millions of yen) As of February 28, 2025 As of November 30, 2025