Hyakujushi Bank, Ltd.TSE: 8386

Consolidated Summary Report for the Six Months Ended September 30,2025（1,429KB）

· Issued by Hyakujushi Bank, Ltd.

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.

November 7, 2025

Consolidated Summary Reportfor the Six Months Ended September 30, 2025 (Under Japanese GAAP)

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

Securities code: 8386

URL: https://www.114bank.co.jp/

Representative: Masashi Mori Representative Director, President

Inquiries: Takayuki Muramatsu Executive Officer and General Manager, Corporate Planning Division Telephone: +81-87-836-2721

Scheduled date to file semi-annual securities report: November 10, 2025 Scheduled date to commence dividend payments: December 10, 2025 Trading accounts: None

Preparation of supplementary material on financial results: Yes Holding of financial results briefing: None

(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

      49,367

      41,716

      %

      18.3

      4.1

      Millions of yen

      13,555

      10,046

      %

      34.9

      34.5

      Millions of yen

      8,944

      6,662

      %

      34.3

      34.4

      Note: Comprehensive income

      For the six months ended September 30, 2025:

      ¥

      28,239 million [

      149.7%]

      For the six months ended September 30, 2024:

      ¥

      11,309 million [

      (12.3) %]

      Basic earnings per share

      Diluted earnings per share

      Six months ended

      Yen

      Yen

      September 30, 2025

      314.58

      314.55

      September 30, 2024

      233.61

      233.57

    2. Consolidated financial position

    Total assets

    Net assets

    Equity-to-asset ratio

    As of

    September 30, 2025

    March 31, 2025

    Millions of yen

    5,792,559

    5,753,583

    Millions of yen

    354,158

    328,273

    %

    6.1

    5.7

    Reference: Equity

    As of September 30, 2025:

    ¥

    354,149 million

    As of March 31, 2025:

    ¥

    328,265 million

  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

    -

    60.00

    -

    85.00

    145.00

    Fiscal year ending March 31, 2026

    -

    108.00

    Fiscal year ending March 31, 2026

    (Forecast)

    -

    108.00

    216.00

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

    Note: Breakdown of the second quarter (interim) dividend for the fiscal year ending March 31, 2026 : Commemorative dividend - yen

    Special dividend - yen

  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.)

Ordinary income

Ordinary profit

Profit attributable to owners of parent

Basic earnings per share

Full year

Millions of yen

100,000

%

11.1

Millions of yen

26,500

%

33.1

Millions of yen

17,500

%

27.7

Yen

615.17

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

Yes

* Notes

(1) Significant changes in the scope of consolidation during the period: Newly included: - companies(

None

)

Excluded: - companies(

)

  1. 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

  2. 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

      28,630,000 shares

      As of March 31, 2025

      28,630,000 shares

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

      As of September 30, 2025

      182,613 shares

      As of March 31, 2025

      209,624 shares

    3. Average number of shares outstanding during the period

Six months ended September 30, 2025

28,431,301 shares

Six months ended September 30, 2024

28,518,541 shares

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

      45,030

      37,443

      %

      20.3

      4.3

      Millions of yen

      12,872

      9,381

      %

      37.2

      36.5

      Millions of yen

      8,556

      6,289

      %

      36.0

      36.2

      Basic earnings per share

      Six months ended

      Yen

      September 30, 2025

      300.95

      September 30, 2024

      220.54

    2. Non-consolidated financial position

    Total assets

    Net assets

    Equity-to-asset ratio

    As of

    September 30, 2025

    March 31, 2025

    Millions of yen

    5,752,945

    5,712,963

    Millions of yen

    323,113

    297,118

    %

    5.6

    5.2

    Reference: Equity

    As of September 30, 2025:

    ¥

    323,104 million

    As of March 31, 2025:

    ¥

    297,109 million

  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 income

Ordinary profit

Profit

Basic earnings per share

Full year

Millions of yen

90,000

%

10.6

Millions of yen

25,000

%

35.0

Millions of yen

16,500

%

28.2

Yen

580.01

  • 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

The description of future performance of this report is based on information which is presently available and certain assumptions which are considered to be reasonable, and it does not guarantee future performance. Please take note that future performance may differ from forecasts.

Semi-annual Consolidated Financial Statements Semi-annual Consolidated Balance Sheet

Provision for retirement benefits for directors (and other officers)

34

37

As of March 31, 2025

As of September 30, 2025

Cash and due from banks

861,929

840,044

Monetary claims bought

25,488

23,558

Securities

1,189,932

1,169,208

Foreign exchanges

4,373

3,925

Other assets

64,452

57,749

Intangible fixed assets

5,407

6,190

Deferred tax assets

732

763

Allowance for loan losses

(18,289)

(19,731)

Liabilities

Negotiable certificates of deposit

122,569

154,252

Borrowed money

613,505

548,273

Other liabilities

66,679

61,613

Retirement benefit liability

275

282

Provision for reimbursement of deposits

174

152

Provision for share-based compensation

216

172

Deferred tax liabilities for land revaluation

5,118

5,002

Acceptances and guarantees 17,702 18,501

Deferred tax liabilities 17,865 27,014

Provision for contingent loss 156176

Deposits 4,572,471 4,622,005

Total assets 5,753,583 5,792,559

Assets

Provision for bonuses for directors (and other officers) 70 -

Foreign exchanges 18143

Call money and bills sold 8,286872

Customers' liabilities for acceptances and guarantees 17,702 18,501

Retirement benefit asset 35,377 35,798

Tangible fixed assets 37,520 37,210

Lease receivables and investments in leases 20,665 22,706

Loans and bills discounted 3,506,645 3,590,050

Trading securities -30

Call loans and bills bought 1,644 6,550

(Millions of yen)

Total liabilities 5,425,309 5,438,400

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

Net assets

Share capital

37,322

37,322

Capital surplus

30,486

30,486

Retained earnings

204,899

211,672

Treasury shares

(565)

(494)

Total shareholders' equity

272,143

278,987

Valuation difference on available-for-sale securities

35,766

55,690

Deferred gains or losses on hedges

(16)

(72)

Revaluation reserve for land

7,593

7,339

Remeasurements of defined benefit plans

12,778

12,205

Total accumulated other comprehensive income

56,121

75,162

Share acquisition rights

8

8

Total net assets

328,273

354,158

Total liabilities and net assets

5,753,583

5,792,559

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

41,716

49,367

Interest income

27,613

32,359

Interest on loans and discounts

20,213

22,433

Interest and dividends on securities

6,059

7,268

Fees and commissions

6,286

6,769

Other ordinary income

3,145

2,446

Other income

4,671

7,791

Ordinary expenses

31,669

35,811

Interest expenses

7,136

8,093

Interest on deposits

2,721

5,387

Fees and commissions payments

1,883

2,014

Other ordinary expenses

1,580

2,452

General and administrative expenses

16,312

17,546

Other expenses

4,757

5,704

Ordinary profit

10,046

13,555

Extraordinary income

16

38

Gain on disposal of non-current assets

16

38

Extraordinary losses

152

387

Loss on disposal of non-current assets

102

105

Impairment losses

50

282

Profit before income taxes

9,910

13,206

Income taxes - current

2,744

4,053

Income taxes - deferred

504

208

Total income taxes

3,248

4,262

Profit

6,662

8,944

Profit attributable to owners of parent

6,662

8,944

Semi-annual Consolidated Statement of Comprehensive Income

For the six months ended September 30, 2024

For the six months ended September 30, 2025

Profit 6,662 8,944

(Millions of yen)

Other comprehensive income 4,647 19,295

Valuation difference on available-for-sale securities 4,968 19,924

Deferred gains or losses on hedges 242 (55)

Comprehensive income

11,309

28,239

Comprehensive income attributable to

Remeasurements of defined benefit plans, net of tax (563) (573)

Comprehensive income attributable to owners of

parent

11,309 28,239

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

37,322

30,486

194,802

(569)

262,041

Changes during period

Dividends of

surplus

(1,577)

(1,577)

Profit attributable to owners of parent

6,662

6,662

Purchase of treasury

shares

(501)

(501)

Disposal of treasury shares

3

66

70

Retirement of

treasury stock

(441)

441

-

Transfer from retained earnings to capital surplus

438

(438)

-

Revaluation reserve

for land

-

Net changes in items other than shareholders' equity

Total changes

during period

-

-

4,646

7

4,653

Balance at end of period

37,322

30,486

199,448

(562)

266,694

Accumulated other comprehensive income

Share acquisition rights

Total net assets

Valuation difference on available-for-sale securities

Deferred gains or losses on hedges

Revaluation reserve for land

Remeasurements of defined benefit plans

Total accumulated other comprehensive income

Balance at beginning

of period

49,774

(11)

7,865

9,494

67,123

21

329,186

Changes during period

Dividends of

surplus

(1,577)

Profit attributable to owners of parent

6,662

Purchase of treasury

shares

(501)

Disposal of treasury shares

70

Retirement of

treasury stock

-

Transfer from retained earnings to capital surplus

-

Revaluation reserve

for land

-

Net changes in items other than shareholders' equity

4,968

242

-

(563)

4,647

(12)

4,634

Total changes

during period

4,968

242

-

(563)

4,647

(12)

9,287

Balance at end of period

54,742

231

7,865

8,931

71,770

8

338,473

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

37,322

30,486

204,899

(565)

272,143

Changes during period

Dividends of

surplus

(2,425)

(2,425)

Profit attributable to owners of parent

8,944

8,944

Purchase of treasury

shares

(2)

(2)

Disposal of treasury shares

72

72

Retirement of

treasury stock

-

Transfer from retained earnings to capital surplus

-

Revaluation reserve

for land

254

254

Net changes in items other than shareholders' equity

Total changes

during period

-

-

6,773

70

6,843

Balance at end of period

37,322

30,486

211,672

(494)

278,987

Accumulated other comprehensive income

Share acquisition rights

Total net assets

Valuation difference on available-for-sale securities

Deferred gains or losses on hedges

Revaluation reserve for land

Remeasurements of defined benefit plans

Total accumulated other comprehensive income

Balance at beginning

of period

35,766

(16)

7,593

12,778

56,121

8

328,273

Changes during period

Dividends of

surplus

(2,425)

Profit attributable to owners of parent

8,944

Purchase of treasury

shares

(2)

Disposal of treasury shares

72

Retirement of

treasury stock

-

Transfer from retained earnings to capital surplus

-

Revaluation reserve

for land

254

Net changes in items other than shareholders' equity

19,924

(55)

(254)

(573)

19,040

-

19,040

Total changes

during period

19,924

(55)

(254)

(573)

19,040

-

25,884

Balance at end of period

55,690

(72)

7,339

12,205

75,162

8

354,158

Semi-annual Non-consolidated Financial Statements 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

861,631

839,802

Call loans

1,644

6,550

Monetary claims bought

25,302

23,382

Trading securities

-

30

Securities

1,191,378

1,170,544

Loans and bills discounted

3,512,819

3,598,040

Foreign exchanges

4,373

3,925

Other assets

59,187

52,906

Other

59,187

52,906

Tangible fixed assets

33,982

33,667

Intangible fixed assets

4,366

5,151

Prepaid pension costs

16,777

18,032

Customers' liabilities for acceptances and guarantees

17,702

18,501

Allowance for loan losses

(16,203)

(17,590)

Total assets

5,712,963

5,752,945

Liabilities

Deposits

4,581,671

4,631,015

Negotiable certificates of deposit

129,569

161,252

Call money

8,286

872

Borrowed money

603,997

538,326

Foreign exchanges

181

43

Other liabilities

56,796

53,045

Income taxes payable

3,037

3,203

Lease liabilities

707

653

Asset retirement obligations

300

302

Other

52,751

48,886

Provision for bonuses for directors (and other officers)

70

-

Provision for reimbursement of deposits

174

152

Provision for contingent loss

156

176

Provision for share-based compensation

216

172

Deferred tax liabilities

11,902

21,269

Deferred tax liabilities for land revaluation

5,118

5,002

Acceptances and guarantees

17,702

18,501

Total liabilities

5,415,844

5,429,831

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

Net assets

Share capital

37,322

37,322

Capital surplus

24,920

24,920

Legal capital surplus

24,920

24,920

Retained earnings

192,520

198,906

Legal retained earnings

12,402

12,402

Other retained earnings

180,118

186,504

Reserve for tax purpose reduction entry of non-current assets

270

270

General reserve

165,661

172,161

Retained earnings brought forward

14,187

14,073

Treasury shares

(565)

(494)

Total shareholders' equity

254,198

260,655

Valuation difference on available-for-sale securities

35,334

55,183

Deferred gains or losses on hedges

(16)

(72)

Revaluation reserve for land

7,593

7,339

Total valuation and translation adjustments

42,911

62,449

Share acquisition rights

8

8

Total net assets

297,118

323,113

Total liabilities and net assets

5,712,963

5,752,945

Semi-annual Non-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

37,443

45,030

Interest income

27,724

32,488

Interest on loans and discounts

20,186

22,415

Interest and dividends on securities

6,199

7,416

Fees and commissions

5,526

5,963

Other ordinary income

3,145

2,446

Other income

1,046

4,131

Ordinary expenses

28,061

32,158

Interest expenses

7,130

8,080

Interest on deposits

2,721

5,395

Fees and commissions payments

2,252

2,432

Other ordinary expenses

1,580

2,452

General and administrative expenses

15,270

16,507

Other expenses

1,828

2,685

Ordinary profit

9,381

12,872

Extraordinary income

0

17

Extraordinary losses

142

381

Profit before income taxes

9,238

12,507

Income taxes - current

2,482

3,718

Income taxes - deferred

466

232

Total income taxes

2,949

3,951

Profit

6,289

8,556

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

Total retained earnings

Reserve for tax purpose reduction entry of non-current

assets

General reserve

Retained earnings brought forward

Balance at beginning of

period

37,322

24,920

-

24,920

12,402

273

159,661

10,915

183,252

Changes during period

Dividends of surplus

(1,577)

(1,577)

Provision of general

reserve

6,000

(6,000)

-

Profit

6,289

6,289

Purchase of treasury

shares

Disposal of treasury

shares

3

3

Retirement of treasury

stock

(441)

(441)

Transfer from retained earnings to capital

surplus

438

438

(438)

(438)

Revaluation reserve for

land

Net changes in items other than shareholders'

equity

Total changes during

period

-

-

-

-

-

-

6,000

(1,726)

4,273

Balance at end of period

37,322

24,920

-

24,920

12,402

273

165,661

9,188

187,525

Shareholders' equity

Valuation and translation adjustments

Share acquisition rights

Total net assets

Treasury shares

Total shareholders' equity

Valuation difference on available-for-sale securities

Deferred gains or losses on hedges

Revaluation reserve for land

Total valuation and translation adjustments

Balance at beginning of

period

(569)

244,925

49,044

(11)

7,865

56,898

21

301,845

Changes during period

Dividends of surplus

(1,577)

(1,577)

Provision of general

reserve

-

-

Profit

6,289

6,289

Purchase of treasury

shares

(501)

(501)

(501)

Disposal of treasury

shares

66

70

70

Retirement of treasury

stock

441

-

-

Transfer from retained earnings to capital

surplus

-

-

Revaluation reserve for

land

-

-

Net changes in items other than shareholders'

equity

5,134

242

-

5,377

(12)

5,364

Total changes during

period

7

4,280

5,134

242

-

5,377

(12)

9,645

Balance at end of period

(562)

249,205

54,178

231

7,865

62,275

8

311,490

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

Total retained earnings

Reserve for tax purpose reduction entry of non-current

assets

General reserve

Retained earnings brought forward

Balance at beginning of

period

37,322

24,920

-

24,920

12,402

270

165,661

14,187

192,520

Changes during period

Dividends of surplus

(2,425)

(2,425)

Provision of general

reserve

6,500

(6,500)

-

Profit

8,556

8,556

Purchase of treasury

shares

Disposal of treasury

shares

Retirement of treasury

stock

Transfer from retained earnings to capital

surplus

Revaluation reserve for

land

254

254

Net changes in items other than shareholders'

equity

Total changes during

period

-

-

-

-

-

-

6,500

(113)

6,386

Balance at end of period

37,322

24,920

-

24,920

12,402

270

172,161

14,073

198,906

Shareholders' equity

Valuation and translation adjustments

Share acquisition rights

Total net assets

Treasury shares

Total shareholders' equity

Valuation difference on available-for-sale securities

Deferred gains or losses on hedges

Revaluation reserve for land

Total valuation and translation adjustments

Balance at beginning of

period

(565)

254,198

35,334

(16)

7,593

42,911

8

297,118

Changes during period

Dividends of surplus

(2,425)

(2,425)

Provision of general

reserve

-

-

Profit

8,556

8,556

Purchase of treasury

shares

(2)

(2)

(2)

Disposal of treasury

shares

72

72

72

Retirement of treasury

stock

-

-

Transfer from retained earnings to capital

surplus

-

-

Revaluation reserve for

land

254

254

Net changes in items other than shareholders'

equity

19,849

(55)

(254)

19,538

-

19,538

Total changes during

period

70

6,456

19,849

(55)

(254)

19,538

-

25,995

Balance at end of period

(494)

260,655

55,183

(72)

7,339

62,449

8

323,113

Six Months Ended September 30, 2025

Explanatory Materials for Financial Results

[Table of Contents]

Ⅰ Overview of Financial Results for the Six Months Ended September 30, 2025

1. Results of Operations

Non-consolidated

・・・・・・・・・

1

Consolidated

・・・・・・・・・

2

2. Net Business Income

Non-consolidated

・・・・・・・・・

2

3. Interest Margins

Non-consolidated

・・・・・・・・・

3

4. Gains/Losses Related to Securities

Non-consolidated

・・・・・・・・・

3

5. ROE

Non-consolidated

・・・・・・・・・

3

  1. Capital Ratio (Domestic Standard)

  2. Unrealized Gains/Losses on Securities

Non-consolidated/ Consolidated

Non-consolidated/ Consolidated

・・・・・・・・・ 4

・・・・・・・・・ 4

Ⅱ Status of Loans and Bills Discounted, etc.

  1. Status of Reserve for Possible Loan Losses, etc.

  2. Loans Based on the Financial Reconstruction Act

  3. Status of Coverage of Loans Based on the Financial Reconstruction Act

Non-consolidated/ Consolidated

Non-consolidated/ Consolidated

Non-consolidated/ Consolidated

・・・・・・・・・ 5

・・・・・・・・・ 5

・・・・・・・・・ 6

Reference: Status of Loans Based on the Non-consolidated ・・・・・・・・・6

Financial Reconstruction Act and

Risk-monitored Loans

4. Status of Loans by Sector, etc.

(i) Loans by Sector

Non-consolidated

・・・・・・・・・

7

(ii) Loans Based on the Financial

Non-consolidated

・・・・・・・・・

7

Reconstruction Act by Sector

(Excluding Normal Claims)

(iii) Balance of Personal Loans

Non-consolidated

・・・・・・・・・

8

(iv) Loans to Small and Medium-Sized

Non-consolidated

・・・・・・・・・

8

Enterprises, etc.

5. Balance of Deposits, etc. and Loans

Non-consolidated

・・・・・・・・・

8

6. Balance of Assets in Custody

Non-consolidated

・・・・・・・・・

8

Ⅰ Overview of Financial Results for the Six Months Ended September 30, 2025

  1. Results of Operations [Non-consolidated]

    (Millions of yen)

    Six months ended September 30, 2025

    YoY

    Six months ended September 30, 2024

    Gross operating profit

    (excluding gains/losses related to bonds)

    27,933

    （ 30,345 ）

    2,500

    （ 3,822 ）

    25,433

    （ 26,523 ）

    Domestic gross operating profit

    (excluding gains/losses related to bonds)

    21,859

    （ 24,271 ）

    513

    （ 2,374 ）

    21,346

    （ 21,897 ）

    Net interest income

    20,829

    2,164

    18,665

    Net fees and commissions

    3,410

    206

    3,204

    Net other operating income

    - 2,380

    - 1,857

    - 523

    International gross operating profit

    (excluding gains/losses related to bonds)

    6,073

    （ 6,073 ）

    1,986

    （ 1,448 ）

    4,087

    （ 4,625 ）

    Net interest income

    3,578

    1,650

    1,928

    Net fees and commissions

    120

    50

    70

    Net other operating income

    2,374

    286

    2,088

    Expenses (excluding non-recurring items)

    17,341

    1,262

    16,079

    Personnel expenses

    8,496

    259

    8,237

    Non-personnel expenses

    7,689

    861

    6,828

    Miscellaneous taxes

    1,155

    141

    1,014

    Net business income (including provision for general

    reserve for possible loan losses)

    10,591

    1,238

    9,353

    Core net business income

    13,004

    2,561

    10,443

    Core net business income (excluding gains /losses

    on cancellation of investment trusts)

    11,604

    1,851

    9,753

    Provision for general reserve for possible loan losses (a)

    543

    392

    151

    Net business income

    10,048

    847

    9,201

    Gains/losses related to bonds

    (b)

    - 2,412

    - 1,323

    - 1,089

    Non-recurring gains/losses

    2,823

    2,644

    179

    Expenses for disposal of non-performing loans

    (c)

    2,094

    581

    1,513

    Write-off of loans

    395

    - 36

    431

    Provision for specific reserve for possible loan

    losses

    1,592

    566

    1,026

    Recoveries of written-off claims

    (d)

    183

    - 87

    270

    Gains/losses related to stocks and other securities (e)

    3,520

    3,094

    426

    Gain on sale of stocks and other securities

    3,522

    3,095

    427

    Loss on sale of stocks and other securities

    —

    - 1

    1

    Loss on devaluation of stocks and other

    securities

    1

    1

    —

    Other non-recurring gains/losses

    1,214

    218

    996

    Ordinary profit

    12,872

    3,491

    9,381

    Extraordinary gains/losses

    - 364

    - 222

    - 142

    Gains/losses on disposal of non-current assets

    - 81

    11

    - 92

    Impairment losses

    282

    232

    50

    Profit before income taxes

    12,507

    3,269

    9,238

    Income taxes - current

    3,718

    1,236

    2,482

    Income taxes - deferred

    232

    - 234

    466

    Profit

    8,556

    2,267

    6,289

    Gains/losses related to securities (b)＋(e)

    1,108

    1,771

    - 663

    Credit-related costs (a)＋(c)－(d)

    2,454

    1,060

    1,394

    - 1 -

    [Consolidated] (Millions of yen)

    Six months ended September 30, 2025

    YoY

    Six months ended September 30, 2024

    Consolidated gross operating profit

    29,014

    2,570

    26,444

    Net interest income

    24,266

    3,790

    20,476

    Net fees and commissions

    4,754

    352

    4,402

    Net other operating income

    - 5

    - 1,569

    1,564

    Gains/losses related to bonds

    - 2,412

    - 1,323

    - 1,089

    General and administrative expenses

    17,546

    1,234

    16,312

    Provision for general reserve for possible loan

    593

    485

    108

    Expenses for disposal of non-performing loans

    2,247

    566

    1,681

    Gains/losses related to stocks

    3,520

    3,094

    426

    Others

    1,406

    128

    1,278

    Ordinary profit

    13,555

    3,509

    10,046

    Extraordinary gains/loss

    - 348

    - 213

    - 135

    Profit before income taxes

    13,206

    3,296

    9,910

    Income taxes - current

    4,053

    1,309

    2,744

    Income taxes - deferred

    208

    - 296

    504

    Profit

    8,944

    2,282

    6,662

    Profit attributable to owners of parent

    8,944

    2,282

    6,662

    Gains/losses related to securities

    1,108

    1,771

    - 663

    Credit-related costs

    2,656

    1,137

    1,519

    (Number of consolidated companies) (Number of companies)

    Number of consolidated subsidiaries

    8

    0

    8

    Number of affiliates accounted for under the equity

    method

    —

    —

    —

  2. Net Business Income [Non-consolidated]

    (Millions of yen)

    Six months ended September 30, 2025

    YoY

    Six months ended September 30, 2024

    Net business income (including provision for

    general reserve for possible loan losses)

    10,591

    1,238

    9,353

    Per employee (Thousands of yen)

    5,574

    690

    4,884

    Core net business income

    13,004

    2,561

    10,443

    Per employee (Thousands of yen)

    6,844

    1,391

    5,453

    Net business income

    10,048

    847

    9,201

    Per employee (Thousands of yen)

    5,288

    483

    4,805

    - 2 -

  3. Interest Margins [Non-consolidated]

    (All branches) (%)

    Six months ended September 30, 2025

    YoY

    Six months ended September 30, 2024

    Yield on interest-earning assets (Ａ)

    1.16

    0.17

    0.99

    Yield on loans and bills discounted

    1.26

    0.09

    1.17

    Yield on securities

    1.33

    0.24

    1.09

    Cost of funding (Ｂ)

    0.93

    0.08

    0.85

    Cost of deposits

    0.23

    0.12

    0.11

    Cost of other external liabilities

    0.17

    - 0.14

    0.31

    Net interest margin (Ａ)－(Ｂ)

    0.23

    0.09

    0.14

    (Domestic operations)

    (%)

    Six months ended September 30, 2025

    YoY

    Six months ended September 30, 2024

    Yield on interest-earning assets (Ａ)

    0.93

    0.21

    0.72

    Yield on loans and bills discounted

    1.10

    0.21

    0.89

    Yield on securities

    0.99

    0.14

    0.85

    Cost of funding (Ｂ)

    0.79

    0.18

    0.61

    Cost of deposits

    0.16

    0.14

    0.02

    Cost of other external liabilities

    0.04

    0.03

    0.01

    Net interest margin (Ａ)－(Ｂ)

    0.14

    0.03

    0.11

  4. Gains/Losses Related to Securities [Non-consolidated]

    (Millions of yen)

    Six months ended September 30, 2025

    YoY

    Six months ended September 30, 2024

    Gains/losses related to bonds (Ａ)

    - 2,412

    - 1,323

    - 1,089

    Gains on sale

    39

    - 48

    87

    Gains on redemption

    —

    —

    —

    Losses on sale

    2,450

    1,307

    1,143

    Losses on redemption

    —

    —

    —

    Write-offs

    2

    - 31

    33

    Gains/losses related to stocks (Ｂ)

    3,520

    3,094

    426

    Gain on sale

    3,522

    3,095

    427

    Loss on sale

    —

    - 1

    1

    Write-offs

    1

    1

    —

    Gains/losses related to securities (Ａ)＋(Ｂ)

    1,108

    1,771

    - 663

  5. ROE [Non-consolidated]

    (%)

    Six months ended September 30, 2025

    YoY

    Six months ended September 30, 2024

    Based on net business income (including provision for

    general reserve for possible loan losses)

    6.81

    0.73

    6.08

    Based on core net business income

    8.36

    1.57

    6.79

    Based on net business income

    6.46

    0.48

    5.98

    Based on profit

    5.50

    1.41

    4.09

    - 3 -

  6. Capital Ratio (Domestic Standard)

    [Non-consolidated] (Millions of yen, %)

    As of September 30, 2025

    Compared to March

    31, 2025

    As of March 31, 2025

    1. Capital ratio (2/3)

    8.86

    0.08

    8.78

    2. Non-consolidated total capital

    251,189

    4,941

    246,248

    3. Risk-weighted assets

    2,833,351

    30,432

    2,802,919

    4. Non-consolidated total required capital

    113,334

    1,218

    112,116

    [Consolidated] (Millions of yen, %)

    As of September 30, 2025

    Compared to March

    31, 2025

    As of March 31, 2025

    1. Consolidated capital ratio (2/3)

    9.42

    0.09

    9.33

    2. Consolidated total capital

    269,280

    5,381

    263,899

    3. Risk-weighted assets

    2,856,460

    30,086

    2,826,374

    4. Consolidated total required capital

    114,258

    1,204

    113,054

  7. Unrealized Gains/Losses on Securities

  1. Standards for valuation of securities

    Trading securities

    Stated at fair value (unrealized gains or losses are reported in profit/loss)

    Held-to-maturity debt securities

    Stated at amortized cost

    Investments in subsidiaries and affiliates

    Stated at cost

    Available-for-sale securities

    Stated at fair value (unrealized gains or losses are reported as a component of net assets)

  2. Unrealized Gains/Losses (Millions of yen)

[Non-consolidated]

As of September 30, 2025

As of March 31, 2025

As of September 30, 2024

Unrealized gains/losses

Unrealized gains/losses

Unrealized gains/losses

Compared to

Mar. 31,

2025

Compared to

Sept. 30,

2024

Unrealized gains

Unrealized losses

Unrealized gains

Unrealized losses

Unrealized gains

Unrealized losses

Held-to-maturity debt securities

-2,705

387

-1,835

—

2,705

-3,092

—

3,092

-870

4

875

Available-for-sale securities

80,121

28,892

2,474

116,950

36,828

51,229

93,690

42,461

77,647

109,143

31,495

Stocks

113,484

22,293

7,017

113,713

229

91,191

91,810

618

106,467

107,276

808

Bonds

-30,763

-264

-12,980

0

30,763

-30,499

0

30,499

-17,783

147

17,931

Others

-2,599

6,864

8,436

3,236

5,836

-9,463

1,880

11,343

-11,035

1,719

12,755

Total

77,415

29,279

638

116,950

39,534

48,136

93,690

45,553

76,777

109,148

32,370

Stocks

113,484

22,293

7,017

113,713

229

91,191

91,810

618

106,467

107,276

808

Bonds

-33,468

123

-14,814

0

33,468

-33,591

0

33,591

-18,654

152

18,806

Others

-2,599

6,864

8,436

3,236

5,836

-9,463

1,880

11,343

-11,035

1,719

12,755

(Millions of yen)

[Consolidated]

As of September 30, 2025

As of March 31, 2025

As of September 30, 2024

Unrealized gains/losses

Unrealized gains/losses

Unrealized gains/losses

Compared to

Mar. 31,

2025

Compared to

Sept. 30,

2024

Unrealized gains

Unrealized losses

Unrealized gains

Unrealized losses

Unrealized gains

Unrealized losses

Held-to-maturity

debt securities

-2,705

387

-1,835

—

2,705

-3,092

—

3,092

-870

4

875

Available-for-sale

securities

80,843

29,002

2,401

117,671

36,828

51,841

94,303

42,461

78,442

109,938

31,495

Stocks

114,206

22,402

6,944

114,435

229

91,804

92,422

618

107,262

108,071

808

Bonds

-30,763

-264

-12,980

0

30,763

-30,499

0

30,499

-17,783

147

17,931

Others

-2,599

6,864

8,436

3,236

5,836

-9,463

1,880

11,343

-11,035

1,719

12,755

Total

78,137

29,388

565

117,671

39,534

48,749

94,303

45,553

77,572

109,942

32,370

Stocks

114,206

22,402

6,944

114,435

229

91,804

92,422

618

107,262

108,071

808

Bonds

-33,468

123

-14,814

0

33,468

-33,591

0

33,591

-18,654

152

18,806

Others

-2,599

6,864

8,436

3,236

5,836

-9,463

1,880

11,343

-11,035

1,719

12,755

- 4 -

Ⅱ Status of Loans and Bills Discounted, etc.

  1. Status of Reserve for Possible Loan Losses, etc.

    [Non-consolidated] (Millions of yen)

    As of

    Sept. 30, 2025

    Compared to

    Mar. 31, 2025

    Compared to

    Sept. 30, 2024

    As of

    Mar. 31, 2025

    As of

    Sept. 30, 2024

    Reserve for possible loan losses

    17,590

    1,387

    1,833

    16,203

    15,757

    General reserve for possible loan losses

    9,542

    543

    198

    8,999

    9,344

    Specific reserve for possible loan losses

    8,047

    844

    1,635

    7,203

    6,412

    [Consolidated] (Millions of yen)

    As of

    Sept. 30, 2025

    Compared to

    Mar. 31, 2025

    Compared to

    Sept. 30, 2024

    As of

    Mar. 31, 2025

    As of

    Sept. 30, 2024

    Reserve for possible loan losses

    19,731

    1,442

    1,907

    18,289

    17,824

    General reserve for possible loan losses

    9,960

    593

    265

    9,367

    9,695

    Specific reserve for possible loan losses

    9,771

    849

    1,643

    8,922

    8,128

  2. Loans Based on the Financial Reconstruction Act

    [Non-consolidated] (Millions of yen)

    As of

    Sept. 30, 2025

    Compared to

    Mar. 31, 2025

    Compared to

    Sept. 30, 2024

    As of

    Mar. 31, 2025

    As of

    Sept. 30, 2024

    Loans based on the Financial Reconstruction Act

    Claims against bankrupt and

    substantially bankrupt debtors

    4,538

    369

    78

    4,169

    4,460

    Doubtful claims

    27,917

    2,453

    4,331

    25,464

    23,586

    Substandard claims

    17,673

    367

    - 2,376

    17,306

    20,049

    Loans past due for 3 months or

    more

    323

    172

    73

    151

    250

    Restructured loans

    17,350

    195

    - 2,449

    17,155

    19,799

    Subtotal (A)

    50,129

    3,188

    2,033

    46,941

    48,096

    Normal claims

    3,586,993

    81,298

    133,835

    3,505,695

    3,453,158

    Total

    3,637,122

    84,486

    135,868

    3,552,636

    3,501,254

    (%)

    As of

    Sept. 30, 2025

    Compared to

    Mar. 31, 2025

    Compared to

    Sept. 30, 2024

    As of

    Mar. 31, 2025

    As of

    Sept. 30, 2024

    Composition

    Claims against bankrupt and

    substantially bankrupt debtors

    0.12

    0.01

    0.00

    0.11

    0.12

    Doubtful claims

    0.76

    0.05

    0.09

    0.71

    0.67

    Substandard claims

    0.48

    0.00

    - 0.09

    0.48

    0.57

    Loans past due for 3 months or

    more

    0.00

    0.00

    0.00

    0.00

    0.00

    Restructured loans

    0.47

    - 0.01

    - 0.09

    0.48

    0.56

    Subtotal

    1.37

    0.05

    0.00

    1.32

    1.37

    Normal claims

    98.62

    - 0.05

    0.00

    98.67

    98.62

    [Consolidated] (Millions of yen)

    As of

    Sept. 30, 2025

    Compared to

    Mar. 31, 2025

    Compared to

    Sept. 30, 2024

    As of

    Mar. 31, 2025

    As of

    Sept. 30, 2024

    Loans based on the Financial Reconstruction Act

    Claims against bankrupt and

    substantially bankrupt debtors

    5,101

    216

    22

    4,885

    5,079

    Doubtful claims

    27,927

    2,450

    4,328

    25,477

    23,599

    Substandard claims

    17,673

    367

    - 2,377

    17,306

    20,050

    Loans past due for 3 months or

    more

    323

    172

    73

    151

    250

    Restructured loans

    17,350

    195

    - 2,449

    17,155

    19,799

    Subtotal (B)

    50,702

    3,032

    1,973

    47,670

    48,729

    Normal claims

    3,578,429

    79,637

    131,882

    3,498,792

    3,446,547

    Total

    3,629,131

    82,669

    133,854

    3,546,462

    3,495,277

    (%)

    As of

    Sept. 30, 2025

    Compared to

    Mar. 31, 2025

    Compared to

    Sept. 30, 2024

    As of

    Mar. 31, 2025

    As of

    Sept. 30, 2024

    Composition

    Claims against bankrupt and

    substantially bankrupt debtors

    0.14

    0.01

    0.00

    0.13

    0.14

    Doubtful claims

    0.76

    0.05

    0.09

    0.71

    0.67

    Substandard claims

    0.48

    0.00

    - 0.09

    0.48

    0.57

    Loans past due for 3 months or

    more

    0.00

    0.00

    0.00

    0.00

    0.00

    Restructured loans

    0.47

    - 0.01

    - 0.09

    0.48

    0.56

    Subtotal

    1.39

    0.05

    0.00

    1.34

    1.39

    Normal claims

    98.60

    - 0.05

    0.00

    98.65

    98.60

    - 5 -

  3. Status of Coverage of Loans Based on the Financial Reconstruction Act

    [Non-consolidated] (Millions of yen)

    As of

    Sept. 30, 2025

    Compared to

    Mar. 31, 2025

    Compared to

    Sept. 30, 2024

    As of

    Mar. 31, 2025

    As of

    Sept. 30, 2024

    Amount covered (C)

    36,723

    2,345

    3,276

    34,378

    33,447

    Reserve for possible loan losses, etc.

    15,382

    1,044

    1,476

    14,338

    13,906

    Collateral, guarantees, and equivalent

    21,340

    1,301

    1,799

    20,039

    19,541

    (%)

    Coverage ratio (C) / (A)

    73.25

    0.02

    3.71

    73.23

    69.54

    [Consolidated] (Millions of yen)

    As of

    Sept. 30, 2025

    Compared to

    Mar. 31, 2025

    Compared to

    Sept. 30, 2024

    As of

    Mar. 31, 2025

    As of

    Sept. 30, 2024

    Amount covered (D)

    36,043

    2,144

    3,230

    33,899

    32,813

    Reserve for possible loan losses, etc.

    16,594

    1,030

    1,507

    15,564

    15,087

    Collateral, guarantees, and equivalent

    19,448

    1,114

    1,723

    18,334

    17,725

    (%)

    Coverage ratio (D) / (B)

    71.08

    - 0.03

    3.75

    71.11

    67.33

    Reference: Status of Loans Based on the Financial Reconstruction Act and Risk-monitored Loans

    [Non-consolidated] (Millions of yen)

    Self-assessment

    Debtor classification Claims outstanding (Ratio to total claims)

    Bankrupt assets 963 (0.02％)

    Substantially bankrupt assets

    3,575 (0.09％)

    Potentially bankrupt assets 27,917 (0.76％)

    Assets

    Substandard

    requiring

    debtors

    caution

    21,661

    (0.59％)

    122,315

    (3.36％)

    Other debtors

    requiring caution

    100,653

    (2.76％)

    Claims to normal debtors 3,482,351 (95.74％)

    Loans based on the Financial Reconstruction Act

    Classification

    Claims outstanding (Ratio to total claims) (A)

    Collateral, guarantees,

    and equivalent

    Coverage ratio

    (B) / (A)

    Amount of reserve

    Total coverage (B)

    Claims against bankrupt and substantially bankrupt debtors

    4,538 (0.12％)

    3,919

    100.00％

    619

    4,538

    Doubtful claims 27,917 (0.76％)

    15,157

    80.90％

    7,427

    22,585

    Substandard claims 17,673 (0.48％)

    *Loans only

    2,263

    54.31％

    7,335

    9,599

    [Subtotal]

    50,129 (1.37％)

    21,340

    73.25％

    15,382

    36,723

    Normal claims 3,586,993 (98.62％)

    Risk-monitored loans

    Classification Claims outstanding (Ratio to total claims)

    Claims against bankrupt and substantially bankrupt debtors

    4,538 (0.12％)

    Doubtful claims 27,917 (0.76％)

    Loans past due

    for 3 months or more 323 (0.00％)

    *Loans only

    Restructured loans 17,350 (0.47％)

    *Loans only

    [Subtotal]

    50,129 (1.37％)

    Normal claims 3,586,993 (98.62％)

    Total claims outstanding

    3,637,122 (100.00％)

Total claims

outstanding 3,637,122 (100.00％)

Total claims outstanding

3,637,122 (100.00％)

- 6 -

  1. Status of Loans by Sector, etc.

    1. Loans by Sector [Non-consolidated] (Millions of yen)

      As of

      Sept. 30, 2025

      Compared to

      Mar. 31, 2025

      Compared to

      Sept. 30, 2024

      As of

      Mar. 31, 2025

      As of

      Sept. 30, 2024

      Domestic (excluding Japan Offshore

      Market accounts)

      3,598,040

      85,221

      137,435

      3,512,819

      3,460,605

      Manufacturing

      495,101

      4,611

      11,635

      490,490

      483,466

      Agriculture and forestry

      2,707

      - 152

      - 37

      2,859

      2,744

      Fishery

      3,259

      1,332

      258

      1,927

      3,001

      Mining and quarrying of stone

      and gravel

      9,327

      580

      511

      8,747

      8,816

      Construction

      136,934

      - 3,206

      1,497

      140,140

      135,437

      Electricity, gas, heat supply

      and water

      128,901

      2,135

      6,696

      126,766

      122,205

      Information and communications

      10,165

      - 484

      206

      10,649

      9,959

      Transport and postal service

      312,962

      36,645

      63,568

      276,317

      249,394

      Wholesale and retail trade

      321,511

      - 861

      - 5,778

      322,372

      327,289

      Finance and insurance

      335,802

      4,490

      3,917

      331,312

      331,885

      Real estate and leasing

      459,047

      17,233

      31,800

      441,814

      427,247

      Accommodations

      8,964

      - 270

      - 381

      9,234

      9,345

      Eating and drinking services

      13,978

      - 136

      - 957

      14,114

      14,935

      Medical and welfare

      101,314

      - 62

      - 2,182

      101,376

      103,496

      Other services

      132,716

      - 2,200

      1,995

      134,916

      130,721

      Local governments

      229,642

      1,059

      - 9,664

      228,583

      239,306

      Other

      895,701

      24,511

      34,353

      871,190

      861,348

      Japan Offshore Market accounts

      —

      —

      —

      —

      —

      Total

      3,598,040

      85,221

      137,435

      3,512,819

      3,460,605

    2. Loans Based on the Financial Reconstruction Act by Sector (Excluding Normal Claims)

      [Non-consolidated]

      (Millions of yen)

      As of

      Sept. 30, 2025

      Compared to

      Mar. 31, 2025

      Compared to

      Sept. 30, 2024

      As of

      Mar. 31, 2025

      As of

      Sept. 30, 2024

      Domestic (excluding Japan Offshore

      Market accounts)

      50,129

      3,188

      2,033

      46,941

      48,096

      Manufacturing

      14,480

      651

      - 983

      13,829

      15,463

      Agriculture and forestry

      60

      - 1

      - 20

      61

      80

      Fishery

      119

      - 2

      - 2

      121

      121

      Mining, quarrying of stone and

      gravel

      —

      —

      —

      —

      —

      Construction

      4,920

      1,590

      1,964

      3,330

      2,956

      Electricity, gas, heat supply and

      water

      97

      - 4

      - 7

      101

      104

      Information and communications

      395

      67

      128

      328

      267

      Transport and postal service

      2,408

      267

      409

      2,141

      1,999

      Wholesale and retail trade

      12,577

      572

      680

      12,005

      11,897

      Finance and insurance

      37

      - 6

      - 261

      43

      298

      Real estate and leasing

      3,570

      - 22

      222

      3,592

      3,348

      Accommodations

      580

      - 3

      - 6

      583

      586

      Eating and drinking services

      1,708

      - 207

      - 123

      1,915

      1,831

      Medical and welfare

      1,514

      - 319

      - 537

      1,833

      2,051

      Other services

      3,393

      368

      389

      3,025

      3,004

      Local governments

      —

      —

      —

      —

      —

      Other

      4,265

      238

      182

      4,027

      4,083

      Japan Offshore Market accounts

      —

      —

      —

      —

      —

      Total

      50,129

      3,188

      2,033

      46,941

      48,096

      - 7 -

    3. Balance of Personal Loans [Non-consolidated] (Millions of yen)

      As of

      Sept. 30, 2025

      Compared to

      Mar. 31, 2025

      Compared to

      Sept. 30, 2024

      As of

      Mar. 31, 2025

      As of

      Sept. 30, 2024

      Balance of personal loans

      669,029

      8,952

      11,847

      660,077

      657,182

      Balance of housing loans

      579,199

      8,834

      10,838

      570,365

      568,361

      Balance of other loans

      89,830

      119

      1,010

      89,711

      88,820

    4. Loans to Small and Medium-Sized Enterprises, etc. [Non-consolidated] (Millions of yen,%)

      As of

      Sept. 30, 2025

      Compared to

      Mar. 31, 2025

      Compared to

      Sept. 30, 2024

      As of

      Mar. 31, 2025

      As of

      Sept. 30, 2024

      Loans to small and medium-sized

      enterprises, etc.

      Ratio of loans to small and

      medium-sized enterprises, etc

      2,559,383

      71.13

      46,308

      -0.41

      83,316

      -0.42

      2,513,075

      71.54

      2,476,067

      71.55

      Loans to small and medium-

      sized enterprises

      1,945,101

      36,292

      70,008

      1,908,809

      1,875,093

      Loans to individuals

      614,282

      10,016

      13,308

      604,266

      600,974

      Loans guaranteed by Credit

      Guarantee Corporation

      169,097

      - 4,905

      - 8,990

      174,002

      178,087

  2. Balance of Deposits, etc. and Loans [Non-consolidated]

    (Millions of yen)

    As of

    Sept. 30, 2025

    Compared to

    Mar. 31, 2025

    Compared to

    Sept. 30, 2024

    As of

    Mar. 31, 2025

    As of

    Sept. 30, 2024

    Total deposits

    (Term-end balance)

    4,792,268

    81,028

    90,369

    4,711,240

    4,701,899

    Within Kagawa

    Prefecture

    3,349,899

    - 34,688

    - 2,817

    3,384,587

    3,352,716

    (Average balance)

    4,773,800

    45,536

    6,019

    4,728,264

    4,767,781

    Loans

    (Term-end balance)

    3,598,040

    85,221

    137,435

    3,512,819

    3,460,605

    Within Kagawa

    Prefecture

    1,448,559

    149,785

    147,203

    1,298,774

    1,301,356

    (Average balance)

    3,539,322

    77,779

    109,129

    3,461,543

    3,430,193

  3. Balance of Assets in Custody [Non-consolidated]

(Millions of yen)

As of

Sept. 30, 2025

Compared to

Mar. 31, 2025

Compared to

Sept. 30, 2024

As of

Mar. 31, 2025

As of

Sept. 30, 2024

Balance of assets in custody

410,906

33,889

59,807

377,017

351,099

Investment trusts

159,153

21,539

33,836

137,614

125,317

Single-premium insurance

240,574

10,953

25,412

229,621

215,162

Financial instruments intermediary

11,178

1,398

559

9,780

10,619

- 8 -

Company analysis

Earlier from Hyakujushi Bank

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