Hachijuni Bank : Consolidate Financial Results for Six Months Ended September 30, 2025 （PDF：538KB）

Consolidated Financial Results for the Six Months Ended September 30, 2025 ［Japanese GAAP］

November 7, 2025

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

Securities code: 8359

URL: https://www.82bank.co.jp/ Representative: Masaki Matsushita,President

Inquiries:Takehiko Kimura,Executive Officer and Planning and Coordination Department Manager

Telephone: +81-26-227-1182

Scheduled date to file semi-annual securities report: November 27, 2025 Scheduled date to commence dividend payments: December 5, 2025 Trading accounts: Yes

Preparation of supplementary material on financial results: Yes Holding of financial results briefing: Yes

(Amounts and percentages listed in this document are rounded down to the nearest unit.)

1. Consolidated Financial Results for the Six Months Ended September 30, 2025 (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 136,173 115,069	% 18.3 12.0	Millions of yen 41,946 26,715	% 57.0 56.4	Millions of yen 29,762 19,514	% 52.5 (26.3)

      (Note) Comprehensive income	Six months ended September 30, 2025:	¥	92,950 million [	-%]
      	Six months ended September 30, 2024:	¥	(23,439) million [	-%]

      	Basic earnings per share	Diluted earnings per share
      Six months ended	Yen	Yen
      September 30, 2025	64.75	64.71
      September 30, 2024	40.64	40.61

   2. Consolidated Financial Position

   	Total assets	Net assets	Capital adequacy ratio
   As of September 30, 2025 March 31, 2025	Millions of yen 13,512,592 13,515,316	Millions of yen 1,041,123 967,658	% 7.6 7.1

   (Reference) Equity As of September 30, 2025: ¥ 1,037,139 million As of March 31, 2025: ¥ 963,361 million

   (Note) "Capital adequacy ratio" is calculated by dividing (total equity at the end of the year − stock acquisition rights at the end of the year - noncontrolling interests at the end of the year) by total assets at the end of the year. "Capital adequacy ratio" herein is not the capital adequacy ratio specified by regulatory notices pertaining to the capital adequacy ratio.

2. Dividends

   	Annual dividends
   	1st quarter-end	2nd quarter-end	3rd quarter-end	Year-end	Total
   	Yen	Yen	Yen	Yen	Yen
   Fiscal year ended March 31, 2025	-	13.00	-	29.00	42.00
   Fiscal year ending March 31, 2026	-	20.00
   Fiscal year ending March 31, 2026 (Forecast)			-	30.00	50.00

   (Note) Revisions to the forecast for dividends announced most recently: None (Note) Breakdown of final dividend for the fiscal year ending March 31,2026 (forecast):

   Year-end dividend Ordinary dividend: 25.00 yen Commemorative dividend: 5.00 yen

3. Consolidated Financial Result Forecasts for the Fiscal Year Ending March 31, 2026 (April 1, 2025 to March 31, 2026)

(Percentages indicate year-on-year changes.)

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

* Notes:

1. Significant changes in the scope of consolidation during the period: None

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)

      September 30, 2025	493,767,424 shares
      March 31, 2025	493,767,424 shares

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

      September 30, 2025	36,802,411 shares
      March 31, 2025	32,238,561 shares

   3. Average number of shares outstanding during the period

(Reference) Overview of Non-consolidated Financial Results

1. Non-consolidated Financial Results for the Six Months Ended September 30, 2025 (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 108,704 85,722	% 26.8 7.3	Millions of yen 39,069 23,261	% 67.9 56.4	Millions of yen 27,866 17,001	% 63.9 54.9

      	Basic earnings per share
      Six months ended	Yen
      September 30, 2025	60.61
      September 30, 2024	35.40

   2. Non-consolidated Financial Position

   	Total assets	Net assets	Capital adequacy ratio
   As of September 30, 2025 March 31, 2025	Millions of yen 12,575,598 12,532,911	Millions of yen 944,901 872,569	% 7.5 6.9

   (Reference) Equity

   As of September 30, 2025: ¥ 944,786 million

   As of March 31, 2025: ¥ 872,418 million

   (Note) "Capital adequacy ratio" is calculated by dividing (total equity at the end of the year − stock acquisition rights at the end of the year) by total assets at the end of the year. "Capital adequacy ratio" herein is not the capital adequacy ratio specified by regulatory notices pertaining to the capital adequacy ratio.

2. Non-consolidated Financial Results Forecasts for the Fiscal Year Ending March 31, 2026 (April 1, 2025 to March 31, 2026)

(Percentages indicate year-on-year changes.)

• 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 are based on information available to the Bank as of the date of publication of this document and on certain assumptions deemed reasonable, and do not represent any guarantee of future performance. Actual results may differ materially from the forecasted figures due to various factors in the future.

  • Table of Contents of the Attached Materials

1. Overview of Semi-annual Operating Results, etc 2

   1. Overview of operating results for the semi-annual period of fiscal year under review 2

   2. Overview of financial position for the semi-annual period of fiscal year under review 2

   3. Explanation of forward-looking information, including semi-annual consolidated financial forecasts 2

2. Semi-annual Consolidated Financial Statements and Major Notes

   1. Semi-annual Consolidated Balance Sheet 4

   2. Semi-annual Consolidated Statements of Income and Comprehensive Income 6

      Semi-annual Consolidated Statement of Income

      Semi-annual Consolidated Statement of Comprehensive Income

   3. Semi-annual Consolidated Statement of Changes in Equity 8

   4. Notes to semi-annual consolidated financial statements 10

      (Note on entity's ability to continue as going concern)

      (Notes in the event of significant changes in shareholders' equity) (Additional information)

3. Semi-annual Non-consolidated Financial Statements 11

   1. Semi-annual Non-consolidated Balance Sheet 11

   2. Semi-annual Non-consolidated Statement of Income 13

   3. Semi-annual Non-consolidated Statement of Changes in Equity 14

* INTERIM FINANCIAL DATA FOR FISCAL YEAR 2025

1. Overview of Semi-annual Operating Results, etc

   1. Overview of operating results for the semi-annual period of fiscal year under review The consolidated operating results for the six-month period are as follows:

      Ordinary income increased by 21,103 million yen year on year to 136,173 million yen, while ordinary expenses increased by 5,872 million yen year on year to 94,226 million yen.

      As a result, ordinary profit increased by 15,230 million yen year on year to 41,946 million yen, and profit attributable to owners of parent increased by 10,248 million yen year on year to 29,762 million yen.

      The non-consolidated operating results of the Bank, which account for the majority of the consolidated results, are as follows:

      Ordinary income increased by 22,981 million yen year on year to 108,704 million yen, mainly due to higher interest income on loans and due from the Bank of Japan (interest income),

      as well as gains on the sale of equity securities (other income).

      Ordinary expenses increased by 7,173 million yen year on year to 69,634 million yen,mainly due to increases in deposit interest expenses, general and administrative expenses, and losses on the sale of government bonds (other ordinary expenses), despite a decrease in provision for individual loan loss reserves (other expenses).

      As a result, ordinary profit increased by 15,808 million yen year on year to 39,069 million yen, and net income for the interim period increased by 10,864 million yen year on year to 27,866 million yen.

   2. Overview of financial position for the semi-annual period of fiscal year under review

      The Bank's consolidated financial position as of the end of the second quarter is as follows: Total assets decreased by 2.7 billion yen from the end of the previous fiscal year to

      13,512.5 billion yen. Liabilities decreased by 76.1 billion yen to 12,471.4 billion yen, while net assets increased by 73.4 billion yen to 1,041.1 billion yen.

      Other main accounts are as follows:

      Loans and bills discounted increased by 45.0 billion yen during the period to 6,506.5 billion yen.

      Securities increased by 55.2 billion yen during the period to 3,461.9 billion yen. Deposits decreased by 49.7 billion yen during the period to 9,499.6 billion yen. The Bank's non-consolidated financial position is as follows:

      Loans and bills discounted increased by 91.1 billion yen during the period to 6,117.2 billion yen, mainly due to an increase in loans to corporate clients, despite a decrease in loans to the central government.

      Securities increased by 93.9 billion yen during the period to 3,301.6 billion yen, mainly due to increases in stocks and national government bonds, despite decreases in local

      government bonds and corporate bonds.

      Deposits decreased by 5.5 billion yen during the period to 8,688.2 billion yen, as increases in corporate and personal deposits were offset by decreases in public and other deposits.

   3. Explanation of forward-looking information, including semi-annual consolidated financial forecasts.

   Based on the operating results for the interim period and currently available information, the Bank has revised its full-year earnings forecasts, which were previously announced on May 9, 2025.

   （Unit: Millions of yen）

   	Consolidated Forecast			Non-Consolidated Forecast
   	Previous Forecast （a）	Revised Forecast (b)	(b)-(a)	Previous Forecast （a）	Revised Forecast (b)	(b)-(a)
   Ordinary Profit	75,000	76,000	1,000	72,500	72,500	-
   Profit	50,000	55,000	5,000	49,000	60,000	11,000

   Note: The above forecasts are based on information available as of the date of this announcement and certain assumptions deemed reasonable by the Bank. Actual results may differ from these forecasts due to various factors that may arise in the future.

2. Semi-annual Consolidated Financial Statements and Major 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	3,027,055	2,905,605
   Call loans and bills bought	11,958	10,569
   Monetary claims bought	105,003	97,744
   Trading account assets	38,602	35,875
   Money held in trust	78,761	78,587
   Securities	3,406,740	3,461,945
   Loans and bills discounted	6,461,544	6,506,568
   Foreign exchanges	18,482	14,347
   Lease receivables and investments in leases	96,629	98,670
   Other assets	156,648	188,471
   Tangible fixed assets	38,628	39,256
   Intangible fixed assets	4,076	3,900
   Retirement benefit asset	64,335	65,255
   Deferred tax assets	1,698	1,865
   Customers' liabilities for acceptances and guarantees	60,149	59,071
   Allowance for loan losses	(55,000)	(55,142)
   Total assets	13,515,316	13,512,592
   Liabilities
   Deposits	9,549,428	9,499,635
   Negotiable certificates of deposit	218,447	308,926
   Call money and bills sold	593,483	636,934
   Securities sold under repurchase agreements	127,391	78,027
   Cash collateral received for securities lent	97,492	62,972
   Trading account liabilities	6,945	8,158
   Borrowed money	1,581,461	1,433,939
   Foreign exchanges	2,431	1,771
   Borrowed money from trust account	1,499	1,571
   Other liabilities	167,558	211,295
   Provision for share awards for directors (and other officers)	90	90
   Retirement benefit liability	11,233	10,333
   Provision for reimbursement of deposits	351	118
   Provision for contingent loss	1,719	1,654
   Reserves under special laws	15	15
   Provision for loss on cancellation of system contracts	2,058	2,058
   Deferred tax liabilities	125,899	154,892
   Acceptances and guarantees	60,149	59,071
   Total liabilities	12,547,657	12,471,469

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

   Net assets
   Share capital	52,243	52,243
   Capital surplus	56,960	57,233
   Retained earnings	579,909	596,283
   Treasury shares	(25,397)	(31,339)
   Total shareholders' equity	663,715	674,421
   Valuation difference on available-for-sale securities	229,750	275,938
   Deferred gains or losses on hedges	51,676	69,315
   Remeasurements of defined benefit plans	18,218	17,463
   Total accumulated other comprehensive income	299,645	362,718
   Share acquisition rights	150	114
   Non-controlling interests	4,147	3,868
   Total net assets	967,658	1,041,123
   Total liabilities and net assets	13,515,316	13,512,592

   1. 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	115,069	136,173
      Interest income	71,742	84,631
      Interest on loans and discounts	35,125	41,483
      Interest and dividends on securities	32,235	34,222
      Trust fees	5	5
      Fees and commissions	12,631	14,642
      Gain on trading account transactions	122	240
      Other ordinary income	20,941	25,160
      Other income	9,625	11,492
      Ordinary expenses	88,353	94,226
      Interest expenses	21,365	26,070
      Interest on deposits	3,008	9,276
      Fees and commissions payments	3,958	3,394
      Other ordinary expenses	20,959	22,801
      General and administrative expenses	34,376	36,078
      Other expenses	7,693	5,880
      Ordinary profit	26,715	41,946
      Extraordinary income	520	63
      Gain on disposal of non-current assets	520	63
      Extraordinary losses	125	104
      Loss on disposal of non-current assets	34	30
      Impairment losses	91	74
      Profit before income taxes	27,110	41,905
      Income taxes - current	7,513	11,978
      Income taxes - deferred	5	74
      Total income taxes	7,519	12,052
      Profit	19,590	29,852
      Profit attributable to non-controlling interests	76	89
      Profit attributable to owners of parent	19,514	29,762

      Semi-annual Consolidated Statement of Comprehensive Income

      For the six months ended September 30, 2024

      (Millions of yen)

      For the six months ended September 30, 2025

      Profit	19,590	29,852
      Other comprehensive income	(43,029)	63,097
      Valuation difference on available-for-sale securities	(45,443)	46,215
      Deferred gains or losses on hedges	3,999	17,639
      Remeasurements of defined benefit plans, net of tax	(1,585)	(756)
      Comprehensive income	(23,439)	92,950
      Comprehensive income attributable to

      Comprehensive income attributable to owners of parent

      (23,248) 92,835

      Comprehensive income attributable to non-controlling

      interests

      (190)

      114

   2. Semi-annual 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	Treasury shares	Total shareholders' equity
      Balance at beginning of period	52,243	71,074	546,496	(20,713)	649,099
      Changes during period
      Dividends of surplus			(6,752)		(6,752)
      Profit attributable to owners of parent			19,514		19,514
      Purchase of treasury shares				(5,345)	(5,345)
      Disposal of treasury shares		28		80	108
      Net changes in items other than shareholders' equity
      Total changes during period	-	28	12,761	(5,265)	7,525
      Balance at end of period	52,243	71,102	559,258	(25,979)	656,624

      	Accumulated other comprehensive income				Share acquisition rights	Noncontrolling interests	Total net assets
      	Valuation difference on available-for- sale securities	Deferred gains or losses on hedges	Remeasurements of defined benefit plans	Total accumulated other comprehensive income
      Balance at beginning of period	411,889	27,116	25,792	464,797	141	4,236	1,118,275
      Changes during period
      Dividends of surplus							(6,752)
      Profit attributable to owners of parent							19,514
      Purchase of treasury shares							(5,345)
      Disposal of treasury shares							108
      Net changes in items other than shareholders' equity	(45,181)	3,999	(1,581)	(42,763)	8	(196)	(42,950)
      Total changes during period	(45,181)	3,999	(1,581)	(42,763)	8	(196)	(35,425)
      Balance at end of period	366,708	31,115	24,210	422,034	150	4,039	1,082,849

      For the six months ended September 30, 2025

      (Millions of yen)

      	Shareholders' equity
      	Share capital	Capital surplus	Retained earnings	Treasury shares	Total shareholders' equity
      Balance at beginning of period	52,243	56,960	579,909	(25,397)	663,715
      Changes during period
      Dividends of surplus			(13,386)		(13,386)
      Profit attributable to owners of parent			29,762		29,762
      Purchase of treasury shares				(6,071)	(6,071)
      Disposal of treasury shares			(2)	129	127
      Purchase of shares of consolidated subsidiaries		272			272
      Net changes in items other than shareholders' equity
      Total changes during period	-	272	16,374	(5,941)	10,706
      Balance at end of period	52,243	57,233	596,283	(31,339)	674,421

      	Accumulated other comprehensive income				Share acquisition rights	Noncontrolling interests	Total net assets
      	Valuation difference on available-for- sale securities	Deferred gains or losses on hedges	Remeasurements of defined benefit plans	Total accumulated other comprehensive income
      Balance at beginning of period	229,750	51,676	18,218	299,645	150	4,147	967,658
      Changes during period
      Dividends of surplus							(13,386)
      Profit attributable to owners of parent							29,762
      Purchase of treasury shares							(6,071)
      Disposal of treasury shares							127
      Purchase of shares of consolidated subsidiaries							272
      Net changes in items other than shareholders' equity	46,187	17,639	(754)	63,072	(35)	(278)	62,758
      Total changes during period	46,187	17,639	(754)	63,072	(35)	(278)	73,464
      Balance at end of period	275,938	69,315	17,463	362,718	114	3,868	1,041,123

   3. Notes to semi-annual consolidated financial statements (Note on entity's ability to continue as going concern)

   Not applicable.

   (Notes in the event of significant changes in shareholders' equity) Not applicable.

   (Additional information)

   [ Absorption-Type Merger of The Nagano Bank, Ltd.]

   In the "Notice Regarding Merger of The Hachijuni Bank and The Nagano Bank and Change of Trade Name (Partial Amendments to Articles of Incorporation)" dated December 15, 2023, The Hachijuni Bank, Ltd. (hereinafter, the "Bank") announced matters concerning an absorption-type merger (hereinafter the "Merger"), in which the Bank will be the surviving company and its wholly-owned subsidiary, The Nagano Bank,

   Ltd. (hereinafter "Nagano Bank"; the Bank and Nagano Bank are collectively referred to as the "Banks"), will be

   the disappearing company.

   At the meeting of its Board of Directors held on September 26, 2025, the Bank decided the details of the Merger as set out below, subject to obtaining approvals from the relevant authorities, and entered into a merger agreement (hereinafter the "Merger Agreement") with Nagano Bank.

   1. Purpose of the Merger

      The purpose of the Merger is to achieve the quick integration of the Banks and transform them into a bank that grows together with the local community by combining their expertise, relationships, and human resources, thereby providing better value to customers, local residents, shareholders, employees, etc.

      After the Merger, the Banks will be even more engaged with their customers, walking alongside them to create value for every single company in the region and achieve well-being for each and every customer.

   2. Outline of the Merger

      1. Schedule of the Merger

         Conclusion of the Merger Agreement: Friday, September 26, 2025 Effective date of the Merger: Thursday, January 1, 2026 (scheduled)

         The Merger will proceed subject to obtaining approvals of the relevant authorities. For the Bank, the Merger is a simplified absorption-type merger as stipulated in the main clause of Article 796, Paragraph 2 of the Companies Act, and for Nagano Bank, it is a short-form absorption-type merger as stipulated in the main clause of Article 784, Paragraph 1 of the same Act. The Merger will be, therefore, conducted without obtaining approval of the general meetings of shareholders of the Banks. The schedule, procedures, terms and conditions of the Merger are subject to change after discussion, if any material event that could hinder the implementation of the Merger occurs in the course of the procedure for the Merger.

      2. Method of the Merger

         The Merger will be conducted as an absorption-type merger in which the Bank will be the surviving company and Nagano Bank will be the disappearing company.

      3. Details of the allotment in the Merger

         The Bank owns all of the issued shares of Nagano Bank, and therefore, in the Merger, no shares or money, etc. will be granted to shareholders of Nagano Bank as consideration for the Merger.

      4. Handling of stock acquisition rights and bonds with stock acquisition rights in connection with the Merger Not applicable.

3. Semi-annual Non-consolidated Financial Statements

   1. Semi-annual Non-consolidated Balance Sheet

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

(Millions of yen)

(3) Semi-annual Non-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)

INTERIM FINANCIAL DATA FOR FISCAL YEAR 2025

(THE SIX MONTHS ENDED SEPTEMBER 30, 2025)

Table of Contents

*The capital ratio as of the end of September 2025 (Basel III standards) is currently being calculated and will be announced once it is finalized.

Ⅰ Financial Highlights for the Second Quarter of FY2025

１．Breakdown of Income

Consolidated (Unit: million yen)

(Related items regarding consolidated companies)

The Hachijuni Bank (Non-consolidated) (Unit: million yen)

The Nagano Bank (Non-consolidated) (Unit: million yen)

２．Major Accounts

• Loans Total for the two banks (Unit: billion yen)

  			As of Sep. 30,			Mar.31, 2025 (b)	Sep. 30, 2024 (c)
  			2025 (a)	(a)-(b)	(a)-(c)
  Total (the head offices and all branches)			6,577.6	47.9	(17.3)	6,529.6	6,594.9
  	Loans to corporations		4,240.4	197.2	232.1	4,043.1	4,008.2
  	Loans to consumers		1,640.5	(0.2)	2.1	1,640.7	1,638.3
  		Housing loans	1,555.6	0.6	4.1	1,554.9	1,551.4
  	Other		696.6	(149.0)	(251.6)	845.7	948.3
  (Head offices and branches in Nagano Prefecture)			3,364.7	(26.4)	(83.7)	3,391.2	3,448.4

  Loans: ¥6,577.6bn (decrease ¥17.3bn year on year)

  Annual loan rate (0.2)％

  Although loans to corporate clients increased, loans to central governments decreased.

Other

Cusumers

Loans

Loans to consumers

Other Housing loans

billion yen

Corporations(other)

Corporations(in Nagano Prefecture)

billion yen

7,000

6,000

5,000

4,000

3,000

2,000

1,000

0

6,964.3 6,839.6

1,292.5

1,226.4

6,594.9 6,529.6 6,577.6

948.3

1,800

696.6

1,600

1,400

1,200

1,000

800

600

400

200

0

1,614.7

1,628.0

1,638.3

1,640.7

1,640.5

1,526.9

1,540.4

1,551.4

1,554.9

1,555.6

845.7

2023/9 2024/3 2024/9 2025/3 2025/9

The Hachijuni Bank (Non-consolidated) (Unit: billion yen) The Nagano Bank (Non-consolidated) (Unit: billion yen)

• Securities Total for the two banks (Unit: billion yen)

  			As of Sep. 30,			Mar.31, 2025 (b)	Sep. 30, 2024 (c)
  			2025 (a)	(a)-(b)	(a)-(c)
  Securities			3,484.0	54.8	(223.0)	3,429.2	3,707.1
  	Bonds		1,899.5	(32.3)	(186.6)	1,931.9	2,086.2
  		JGB	851.5	46.6	65.8	804.9	785.6
  	Stocks		681.6	78.6	(59.0)	602.9	740.7
  	Foreign securities		563.0	4.2	8.3	558.8	554.6
  	Other		339.7	4.2	14.2	335.5	325.5

  Securities: 3,484.0bn (decrease ¥223.0bn year on year)

billion yen

3,668.8

3,707.1

3,429.2

3,245.3

329.1

325.5

335.5

3,484.0

339.7

393.5

562.4

554.6

558.8

563.0

533.3

789.5

740.7

602.9

681.6

614.6

2,086.2

1,703.7

1,987.7

1,931.9

1,899.5

4,000

Securities

3,000

2,000

1,000

Other

Foreign securities

Stocks Bonds

0

2023/9 2024/3 2024/9 2025/3 2025/9

The Hachijuni Bank (Non-consolidated) (Unit: billion yen) The Nagano Bank (Non-consolidated) (Unit: billion yen)

• Valuation gains (losses) Consolidated (Unit: billion yen)

  		As of Sep.30,2025
  		Valuation gains		Valuation	Valuation
  		(losses)	as of March 31, 2025	gains	losses
  Other securities		406.6	67.3	583.8	177.1
  	Stocks	559.0	85.3	559.2	0.1
  	Bonds	(156.9)	(29.5)	0.0	156.9
  	Others	4.5	11.5	24.5	20.0

  billion yen

  800

  700

  600

  500

  400

  300

  200

  100

  0

  Valiation gains (losses) and The Nikkei Stock Average

  その他有価証券評価損益と日経平均株価

  yen

  44,932

  40,369

  37,919

  35,617

  31,857

  530.5

  593.9

  406.6

  388.5

  339.3

  
  
  

  50,000

  45,000

  40,000

  35,000

  30,000

  25,000

  20,000

  15,000

  10,000

  5,000

  0

  2023/9 2024/3 2024/9 2025/3 2025/9

  Valuation gains
  
  
  Thw Nikkei Stock Average
  
  The Hachijuni Bank (Non-consolidated) (Unit: billion yen)

  		As of Sep. 30,2025
  		Valuation gains		Valuation	Valuation
  		(losses)	as of March 31, 2025	gains	losses
  Other securities		406.6	67.2	576.6	170.0
  	Stocks	551.8	84.6	552.0	0.1
  	Bonds	(149.7)	(28.9)	0.0	149.8
  	Others	4.5	11.5	24.5	20.0

  The Hachijuni Bank uses derivatives to reduce the risk of fluctuations in the market value of securities.

  (Unit: billion yen)

  	As of Sep.30,2025		Mar.31,2025
  	Valuation gains (losses)
  	(a)	(a)-(b)	(b)
  Deferred gains (losses) on hedges	108.5	27.0	81.5

  The Nagano Bank (Non-consolidated) (Unit: billion yen)

  		As of Sep.30,2025
  		Valuation gains		Valuation	Valuation
  		(losses)	as of March 31, 2025	gains	losses
  Other securities		(6.5)	(0.0)	3.4	9.9
  	Stocks	3.4	0.4	3.4	0.0
  	Bonds	(9.9)	(0.4)	0.0	9.9

• Deposits Total for the two banks (Unit: billion yen)

  		As of Sep. 30,			Mar.31, 2025 (b)	Sep. 30, 2024 (c)
  		2025 (a)	(a)-(b)	(a)-(c)
  Total (the head offices and all branches)		9,522.0	(46.0)	46.6	9,568.0	9,475.3
  	Consumers	6,372.7	(5.0)	10.0	6,377.8	6,362.7
  	Corporations	2,468.7	42.5	25.4	2,426.1	2,443.2
  	Other	680.4	(83.5)	11.1	763.9	669.3
  (Head offices and branches in Nagano Prefecture)		8,831.4	(118.0)	(34.1)	8,949.5	8,865.6

  Deposits: 9,522.0bn (increase ¥46.6bn year on year)

  Annual deposit rate +0.4%

  Due to a increase in mainly corporate deposits

billion yen

12,000

10,000

Deposits

Deposits

9,319.9 9,457.4 9,475.3 9,568.0 9,522.0

8,000

6,000

4,000

2,000

624.2

2,403.7

6,291.9

707.1

2,415.2

6,335.0

669.3

2,443.2

6,362.7

763.9

2,426.1

6,377.8

680.4

2,468.7

6,372.7

Other

Corporations

Consumers

0

2023/9 2024/3 2024/9 2025/3 2025/9

The Hachijuni Bank (Non-consolidated) (Unit: billion yen) The Nagano Bank (Non-consolidated) (Unit: billion yen)

• Personal financial assets deposited Total for the two banks (Unit: billion yen)

  			As of Sep. 30,			Mar.31, 2025 (b)	Sep. 30, 2024 (c)
  			2025 (a)	(a)-(b)	(a)-(c)
  Total			6,828.2	74.9	117.2	6,753.2	6,710.9
  	Yen deposits		6,362.2	(5.6)	9.1	6,367.9	6,353.1
  	Investment type products		465.9	80.6	108.1	385.3	357.8
  		Foreign currency deposits	10.4	0.5	0.8	9.9	9.6
  		Investment trusts	314.7	48.5	55.8	266.2	258.9
  		Public bonds	140.6	31.4	51.4	109.1	89.1

  billion yen

  6,573.7

  215.5

  6,656.1

  246.5

  6,710.9

  6,753.2

  6,828.2

  10.4

  10.3

  9.6

  9.9

  11.5

  66.2

  258.9

  266.2

  314.7

  74.5

  89.1

  109.1

  140.6

  6,280.4

  6,324.6

  6,353.1

  6,367.9

  6,362.2

  
  
  

  7,000

  6,500

  Personal financial assets deposited

  6,000

  Foreign currency deposits
  
  

  5,500

  5,000

  Investment trusts
  
  
  Public bonds
  
  
  Yen deposits
  
  

  4,500

  4,000

  2023/9 2024/3 2024/9 2025/3 2025/9

  The Hachijuni Bank (Non-consolidated) (Unit: billion yen)

  			As of Sep. 30,			Mar.31, 2025 (b)	Sep. 30, 2024 (c)
  			2025 (a)	(a)-(b)	(a)-(c)
  Total			6,140.8	95.8	154.6	6,045.0	5,986.1
  	Yen deposits		5,696.9	17.2	46.9	5,679.7	5,649.9
  	Investment type products		443.9	78.6	107.7	365.3	336.1
  		Foreign currency deposits	10.4	0.5	1.0	9.9	9.4
  		Investment trusts	292.8	46.5	54.3	246.3	238.4
  		Public bonds	140.5	31.5	52.3	109.0	88.2

  The Nagano Bank (Non-consolidated) (Unit: billion yen)

  			As of Sep. 30,			Mar.31, 2025 (b)	Sep. 30, 2024 (c)
  			2025 (a)	(a)-(b)	(a)-(c)
  Total			687.3	(20.8)	(37.3)	708.2	724.7
  	Yen deposits		665.3	(22.8)	(37.7)	688.2	703.1
  	Investment type products		22.0	1.9	0.3	20.0	21.6
  		Foreign currency deposits	-	-	(0.1)	-	0.1
  		Investment trusts	21.9	2.0	1.4	19.8	20.5
  		Public bonds	0.0	(0.0)	(0.8)	0.1	0.9

  ３．Financial Soundness
• Loans based on the Financial Revitalization Law

Consolidated (Unit: billion yen, %)

billion yen

2.14%

2.04%

2.11%

2.13%

2.08%

143.8

148.1

140.9

140.5

138.0

23.5

24.1

23.0

20.3

19.8

106.5

109.5

103.2

105.7

104.6

13.7

14.4

14.5

14.3

13.5

250

Loans based on the Financial Revitalization Law

2.50%

200

150

2.00%

1.50%

Substandard assets

Doubtful assets

100

1.00%

Bankrupt and quasai-bankrupt assets

50 0.50%

As a percentage of total credits

0

2023/9 2024/3 2024/9 2025/3 2025/9

0.00%

The Hachijuni Bank (Non-consolidated) (Unit: billion yen, %) The Nagano Bank (Non-consolidated) (Unit: billion yen, %)

Ⅱ Earning projections for FY2025

Consolidated (Unit: billion yen) The Hachijuni Bank (Non-consolidated) (Unit: billion yen)

* These projections are based on information available to the bank as of the date of publication of this document and certain estimates that the bank deems reasonable. The projections do not guarantee business performance stated above. Actual results may differ due to various factors in the future.

Ⅲ

Financial Highlights for the Second Quarter of FY2025

１．Profit and Loss Consolidated (Unit: million yen)

(Related items regarding consolidated companies)