JAPAN POST BANK : Consolidated Financial Results

May 15, 2026

Company name: JAPAN POST BANK Co., Ltd. Stock exchange listing: Tokyo Stock Exchange Code number: 7182 URL: https://www.jp-bank.japanpost.jp/en_index.html Representative: KASAMA Takayuki, President & CEO, Representative Executive Officer

Member of the Board of Directors

For inquiry: KOBAYASHI Mariko, General Manager of Financial Accounting Department Date of Ordinary General Meeting of Shareholders: June 23, 2026 (Scheduled) Dividend payment date: June 24, 2026 (Scheduled)

Securities Report issuing date: June 18, 2026 (Scheduled)

Trading accounts: Unestablished

Supplemental information for financial statements: Available

Investor meeting presentation: Scheduled (for investors and analysts)

(Figures are rounded down)

1. Consolidated financial results for the fiscal year ended March 31, 2026
   1. Consolidated operating results

      (Millions of yen, except for per share data and percentages)

      	Ordinary income		Net ordinary income		Net income attributable to owners of parent
      FY2026/3	¥ 2,852,206	13.0 %	¥ 759,150	29.8%	¥ 525,583	26.8%
      FY2025/3	2,522,052	(4.8)	584,533	17.8	414,324	16.3

      Notes: 1. "Comprehensive income (loss)" was ¥464,011 million for the fiscal year ended March 31, 2026 and ¥(409,164) million for the fiscal year ended March 31, 2025.

2. Percentages shown in "Ordinary income", "Net ordinary income" and "Net income attributable to owners of parent" are the increase (decrease) from the previous fiscal year.

Reference: "Gains (losses) from investments in affiliates", which was accounted for using the equity method, was ¥388 million for the fiscal year ended March 31, 2026 and ¥322 million for the fiscal year ended March 31, 2025.

Note: "Diluted net income per share" is not presented since there has been no potential dilution for the fiscal years ended March 31, 2026 and 2025.

1. Consolidated financial conditions

   (Millions of yen, except for per share data and percentages)

   	Total assets	Total net assets	Net assets attributable to shareholders to total assets	Total net assets per share
   FY2026/3	¥ 226,571,574	¥ 9,260,090	4.0%	¥ 2,586.63
   FY2025/3	233,601,531	9,090,989	3.8	2,511.18

   Reference: "Net assets attributable to shareholders" was ¥9,213,449 million as of March 31, 2026 and ¥9,040,152 million as of March 31, 2025.

   Note: "Net assets attributable to shareholders to total assets" is calculated as follows: [("Total net assets" – "Non-controlling interests") / "Total assets"] x 100

   "Net assets attributable to shareholders to total assets" above is not based on Capital Adequacy Notification.

2. Consolidated cash flows

(Millions of yen)

1. Dividends

   (Millions of yen, except for per share data and percentages)

   	Dividends per share					Total dividend payment	Dividend payout ratio (Consolidated)	Dividends to net assets (Consolidated)
   	As of June 30	As of September 30	As of December 31	As of March 31	Total
   FY2025/3 FY2026/3	¥ － —	¥ 0.00 0.00	¥ － —	¥ 58.00 74.00	¥ 58.00 74.00	¥208,859 263,671	50.6% 50.3	2.2% 2.9
   FY2027/3 (forecast)	—	0.00	—	93.00	93.00		50.1

2. Consolidated earnings forecasts for the fiscal year ending March 31, 2027

   (Millions of yen, except for per share data and percentages)

   	Net ordinary income	Net income attributable to owners of parent	Net income per share
   FY2027/3	¥ 955,000 25.7 %	¥ 660,000 25.5 %	¥ 185.29

   Note: Percentages shown in "Net ordinary income" and "Net income attributable to owners of parent" are the increase (decrease) from the previous fiscal year.

   * Notes

   1. Significant changes in the scope of consolidation during the period: Yes

      Newly included: 2 companies (JP Asset Management Co., Ltd. and 1 other company)

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

      1. Changes in accounting policies due to revision of accounting standards: No

      2. Changes in accounting policies due to reasons other than i): No

      3. Changes in accounting estimates: No

      4. Restatements: No

   3. Shares outstanding (common stock)

      As of March 31, 2026	3,575,878,720 shares	As of March 31, 2025	3,604,335,520 shares
      As of March 31, 2026	13,932,099 shares	As of March 31, 2025	4,378,660 shares
      FY2026/3	3,572,944,599 shares	FY2025/3	3,615,355,334 shares

      1. Year-end issued shares (including treasury stock):

      2. Year-end treasury stock:

      3. Average number of outstanding shares:

Note: The year-end treasury stock includes the Bank's shares held by stock benefit trust (1,186,500 shares as of March 31, 2026 and 1,064,200 shares as of March 31, 2025). The treasury stock deducted to calculate the average number of outstanding shares includes the Bank's shares held by stock benefit trust (1,188,978 shares for FY2026/3 and 1,123,514 shares for FY2025/3).

1. Non-consolidated operating results

   (Millions of yen, except for per share data and percentages)

   	Ordinary income		Net ordinary income		Net income
   FY2026/3	¥ 2,840,757	13.1 %	¥ 748,076	30.4%	¥ 528,976	28.8%
   FY2025/3	2,509,855	(5.2)	573,511	15.9	410,557	15.8

   Note: Percentages shown in "Ordinary income", "Net ordinary income" and "Net income" are the increase (decrease) from the previous fiscal year.

   	Net income per share	Diluted net income per share
   FY2026/3	¥ 148.05	¥ －
   FY2025/3	113.55	—

   Note: "Diluted net income per share" is not presented since there has been no potential dilution for the fiscal years ended March 31, 2026 and 2025.

2. Non-consolidated financial conditions

   (Millions of yen, except for per share data and percentages)

   	Total assets (A)	Total net assets (B)	(B) / (A)	Total net assets per share
   FY2026/3 FY2025/3	¥ 226,503,549 233,547,839	¥ 9,190,054 9,036,421	4.0% 3.8	¥ 2,580.06 2,510.14

   Reference: "Net assets attributable to shareholders" was ¥9,190,054 million as of March 31, 2026 and ¥9,036,421 million as of March 31, 2025.

   • Note on audit procedures

     This document is not subject to the audit procedures by a certified public accountant or an audit corporation.

   • Forward-looking statements and other matters

This document contains forward-looking statements including forecasts, targets and plans of JAPAN POST BANK Co., Ltd. (the "Bank") and its consolidated subsidiaries (the "Japan Post Bank Group"). These statements are based on estimates at the time in light of the information currently available to the Bank. The statements and assumptions may prove to be incorrect and may not be realized in the future.

Any uncertainties, risks and other factors that may cause such a situation to arise include, but are not limited to, risks related to the effectiveness of risk management policies and procedures; market risks, market liquidity risks, credit risks and operational risks (such as risks related to the Bank's IT systems, the Bank's reputation, natural disasters, litigation and violations of applicable laws or regulations); risks related to Environmental, Social and Governance, or ESG, factors including climate change; risks related to business strategy and management planning; risks related to the expansion of the scope of operations; risks related to the business environment; risks related to the Bank's relationship with JAPAN POST HOLDINGS Co., Ltd. and JAPAN POST Co., Ltd.; risks related to domestic and overseas monetary policies; and other various risks. Please also see the Securities Report and the Semi-annual Securities Report for material facts that the Bank recognizes as potentially affecting the Japan Post Bank Group's actual results, performance or financial position. The Japan Post Bank Group's actual results, performance or financial position may be materially different from those expressed or implied by such forward-looking statements.

The statements in this document are current as of the date of the document or the date otherwise specified, and the Bank has no obligation or intent to keep this information up to date.

The information concerning companies or parties other than the Japan Post Bank Group and the Japan Post Group is based on publicly available and other information as cited, and the Bank has neither independently verified the accuracy and appropriateness of, nor makes any warranties with respect to, such information. The information of the document may be revised without prior notice.

1. Overview of Financial Results 2

   1. Overview of consolidated results of operations and financial conditions

      for the fiscal year ended March 31, 2026 2

   2. Earnings forecasts for the fiscal year ending March 31, 2027 2

   3. Basic policy concerning profit distribution and dividends for the fiscal year ended March 31, 2026

   and the fiscal year ending March 31, 2027 3

2. Basic Approach to the Selection of Accounting Standards 3

3. Consolidated Financial Statements 4

   1. Consolidated balance sheets 4

   2. Consolidated statements of income and consolidated statements of comprehensive income 6

   3. Consolidated statements of changes in net assets 8

   4. Consolidated statements of cash flows 10

   5. Notes to consolidated financial statements 12

   Notes on going-concern assumption 12

   Segment information 12

   Per share data 12

   Significant subsequent event 12

4. Non-Consolidated Financial Statements 13

1. Non-consolidated balance sheets 13

2. Non-consolidated statements of income 15

3. Non-consolidated statements of changes in net assets 17

1. Overview of Financial Results
   1. Overview of consolidated results of operations and financial conditions for the fiscal year ended March 31, 2026

      (Operating results)

      Ordinary income increased by ¥330.1 billion from the previous fiscal year, to ¥2,852.2 billion for the fiscal year ended March 31, 2026. Interest income increased by ¥520.6 billion from the previous fiscal year, to

      ¥2,270.8 billion for the fiscal year ended March 31, 2026. Fees and commissions increased by ¥12.0 billion from the previous fiscal year, to ¥196.8 billion for the fiscal year ended March 31, 2026. Other operating income increased by ¥0.0 billion from the previous fiscal year, to ¥3.2 billion for the fiscal year ended March 31, 2026.

      Ordinary expenses increased by ¥155.5 billion from the previous fiscal year, to ¥2,093.0 billion for the fiscal year ended March 31, 2026. Interest expenses increased by ¥175.2 billion from the previous fiscal year, to

      ¥988.4 billion for the fiscal year ended March 31, 2026. General and administrative expenses increased by

      ¥31.6 billion from the previous fiscal year, to ¥946.4 billion for the fiscal year ended March 31, 2026.

      Taking into account of the above, net ordinary income increased by ¥174.6 billion from the previous fiscal year, to ¥759.1 billion for the fiscal year ended March 31, 2026, which equated to 105.4% of the earnings forecast of ¥720.0 billion in net ordinary income for the fiscal year ended March 31, 2026.

      Net income attributable to owners of parent increased by ¥111.2 billion from the previous fiscal year, to

      ¥525.5 billion for the fiscal year ended March 31, 2026, which equated to 105.1% of the earnings forecast of ¥500.0 billion in net income attributable to owners of parent for the fiscal year ended March 31, 2026.

      (Financial conditions)

      Total assets decreased by ¥7,029.9 billion from March 31, 2025, to ¥226,571.5 billion as of March 31, 2026. Securities increased by ¥1,818.8 billion from March 31, 2025, to ¥145,406.9 billion as of March 31, 2026. Loans increased by ¥1,241.5 billion from March 31, 2025, to ¥4,372.1 billion as of March 31, 2026. Deposits decreased by ¥4,353.0 billion from March 31, 2025, to ¥186,108.7 billion as of March 31, 2026.

      Shareholder's equity as of March 31, 2026 increased by ¥248.8 billion from March 31, 2025. In addition, total accumulated other comprehensive income decreased by ¥75.5 billion from March 31, 2025. As a result, net assets totaled ¥9,260.0 billion. Retained earnings, included in shareholders' equity, were

      ¥3,061.1 billion.

      As for cash flows, cash flows from operating activities decreased by ¥14,034.7 billion from the previous fiscal year, to ¥(9,437.4) billion for the fiscal year ended March 31, 2026. Cash flows from investing activities decreased by ¥3,092.1 billion from the previous fiscal year, to ¥(566.7) billion for the fiscal year ended March 31, 2026. Cash flows from financing activities decreased by ¥86.9 billion from the previous fiscal year, to ¥(295.0) billion for the fiscal year ended March 31, 2026. As a result, cash and cash equivalents decreased by ¥10,299.2 billion from March 31, 2025, to ¥54,339.8 billion as of March 31, 2026.

   2. Earnings forecasts for the fiscal year ending March 31, 2027

      As for earnings forecasts for the fiscal year ending March 31, 2027, net ordinary income and net income attributable to owners of parent are expected to amount to ¥955.0 billion and ¥660.0 billion, respectively.

      Amid growing uncertainty in the financial and economic environment, due to factors such as the situation in the Middle East, we will promote 4 business strategies of our New Medium-term Management Plan for the fiscal year ending March 31, 2027 to the fiscal year ending March 31, 2029: i) Digital Payment Business Strategy, ii) Consulting Business Strategy, iii) Market Operation and Asset Management Business Strategy, and iv) Regional and Corporate Solution Business Strategy, as we aim to achieve the profit targets in the plan.

   3. Basic policy concerning profit distribution and dividends for the fiscal year ended March 31, 2026 and the fiscal year ending March 31, 2027

   Providing returns to our shareholders is one of our most important management goals. Our basic dividend policy is to provide stable dividends to shareholders while maintaining sufficient retained earnings for sound operations in light of the public nature of the banking business.

   In consideration of the fact that net income attributable to owners of parent in this current fiscal year exceeded the earnings forecasts announced on February 13, 2026 and the shareholder return policy for the period of the Previous Medium-term Management Plan as described below, we declared dividends per share of ¥74 for the fiscal year ended March 31, 2026 (dividend payout ratio of 50.3%), an increase of ¥4 from the latest dividend forecast.

   Dividends per share are planned to be ¥93 for the fiscal year ending March 31, 2027, an increase of ¥19 per share from the fiscal year ended March 31, 2026.

   (Shareholder return policy of the Previous Medium-term Management Plan)

   Considering the balance between shareholder returns, financial soundness, and investment for growth, our basic policy is to maintain a consolidated dividend payout ratio of approximately 50% during the period of the Medium-term Management Plan.

   However, keeping in mind the stability and continuity of dividends and targeting a consolidated dividend payout ratio of 50% to 60%, we are increasing our initial dividend per share (DPS) forecast for the fiscal year ended March 31, 2025 (¥52 per share).

   (Shareholder return policy of the New Medium-term Management Plan)

   Considering the balance between shareholder returns, financial soundness, and investment for growth, we maintain a consolidated dividend payout ratio of approximately 50% and pay progressive dividends in line with profit growth.

2. Basic Approach to the Selection of Accounting Standards

The Bank prepares its consolidated financial statements based on Japanese GAAP. The Bank discloses its consolidated financial statements in accordance with the "Ordinance for the Enforcement of the Banking Act" (Ordinance of Ministry of Finance No.10 of 1982).

(Millions of yen)

1. Consolidated statements of income and consolidated statements of

   comprehensive income
   Consolidated statements of income		(Millions of yen)
   	FY2025/3	FY2026/3
   Ordinary income	2,522,052	2,852,206
   Interest income	1,750,168	2,270,832
   Interest on loans	12,140	23,864
   Interest and dividends on securities	1,555,103	1,860,830
   Interest on call loans	5,756	10,411
   Interest on receivables under resale agreements	8,609	32,599
   Interest on receivables under securities borrowing transactions	568	—
   Interest on deposits with banks	149,801	318,725
   Other interest income	18,190	24,401
   Fees and commissions	184,839	196,841
   Other operating income	3,157	3,222
   Other ordinary income	583,886	381,310
   Reversal of reserve for possible loan losses	10	—
   Recoveries of written-off claims	15	15
   Other	583,860	381,294
   Ordinary expenses	1,937,518	2,093,056
   Interest expenses	813,244	988,450
   Interest on deposits	104,253	313,418
   Interest on payables under repurchase agreements	332,517	304,246
   Interest on payables under securities lending transactions	117,323	94,284
   Interest on borrowings	2,713	8,292
   Other interest expenses	256,436	268,208
   Fees and commissions	28,483	29,254
   Other operating expenses	70,590	71,328
   General and administrative expenses	914,753	946,425
   Other ordinary expenses	110,446	57,597
   Provision for reserve for possible loan losses	—	187
   Other	110,446	57,410
   Net ordinary income	584,533	759,150
   Extraordinary income	—	403
   Gains on step acquisitions	—	403
   Extraordinary loss	355	1,236
   Losses on sales and disposals of fixed assets	352	596
   Losses on impairment of fixed assets	3	640
   Income before income taxes	584,178	758,316
   Income taxes
   Current	168,051	229,355
   Deferred	(5,149)	(10,631)
   Total income taxes	162,901	218,723
   Net income	421,277	539,592
   Net income attributable to non-controlling interests	6,952	14,009
   Net income attributable to owners of parent	414,324	525,583

   Consolidated statements of comprehensive income

   		(Millions of yen)
   	FY2025/3	FY2026/3
   Net income	421,277	539,592
   Other comprehensive income (loss)	(830,441)	(75,580)
   Net unrealized gains (losses) on available-for-sale securities	(966,686)	237,973
   Net deferred gains (losses) on hedges	139,180	(337,324)
   Adjustments for retirement benefits	(2,934)	23,769
   Comprehensive income (loss)	(409,164)	464,011
   Total comprehensive income (loss) attributable to: Owners of parent	(417,348)	450,031
   Non-controlling interests	8,184	13,980

2. Consolidated statements of changes in net assets

   For the fiscal year ended March 31, 2025

   (Millions of yen)

   	Shareholders' equity
   	Capital stock	Capital surplus	Retained earnings	Treasury stock	Total shareholders' equity
   Balance at the beginning of the fiscal year	3,500,000	3,500,000	2,574,567	(1,523)	9,573,043
   Cumulative effects of changes in accounting policies			47		47
   Restated balance	3,500,000	3,500,000	2,574,615	(1,523)	9,573,091
   Changes during the fiscal year
   Cash dividends			(184,494)		(184,494)
   Net income attributable to owners of parent			414,324		414,324
   Repurchase of treasury stock				(25,206)	(25,206)
   Disposal of treasury stock		0		373	373
   Cancellation of treasury stock		(19,971)		19,971	—
   Changes in equity of parent due to transactions with non- controlling shareholders					—
   Transfer from retained earnings to capital surplus		19,971	(19,971)		—
   Net changes in items other than shareholders' equity
   Total changes during the fiscal year	—	—	209,858	(4,861)	204,997
   Balance at the end of the fiscal year	3,500,000	3,500,000	2,784,473	(6,384)	9,778,088

   	Accumulated other comprehensive income				Non-controlling interests	Total net assets
   	Net unrealized gains (losses) on available-for-sale securities	Net deferred gains (losses) on hedges	Accumulated adjustments for retirement benefits	Total accumulated other comprehensive income
   Balance at the beginning of the fiscal year	1,358,768	(1,266,085)	1,101	93,784	41,094	9,707,923
   Cumulative effects of changes in accounting policies		(47)		(47)		—
   Restated balance	1,358,768	(1,266,133)	1,101	93,736	41,094	9,707,923
   Changes during the fiscal year
   Cash dividends						(184,494)
   Net income attributable to owners of parent						414,324
   Repurchase of treasury stock						(25,206)
   Disposal of treasury stock						373
   Cancellation of treasury stock						—
   Changes in equity of parent due to transactions with non- controlling shareholders						—
   Transfer from retained earnings to capital surplus						—
   Net changes in items other than shareholders' equity	(967,918)	139,180	(2,934)	(831,673)	9,742	(821,931)
   Total changes during the fiscal year	(967,918)	139,180	(2,934)	(831,673)	9,742	(616,933)
   Balance at the end of the fiscal year	390,850	(1,126,952)	(1,833)	(737,936)	50,836	9,090,989

   For the fiscal year ended March 31, 2026

   (Millions of yen)

   	Shareholders' equity
   	Capital stock	Capital surplus	Retained earnings	Treasury stock	Total shareholders' equity
   Balance at the beginning of the fiscal year	3,500,000	3,500,000	2,784,473	(6,384)	9,778,088
   Cumulative effects of changes in accounting policies					—
   Restated balance	3,500,000	3,500,000	2,784,473	(6,384)	9,778,088
   Changes during the fiscal year
   Cash dividends			(208,859)		(208,859)
   Net income attributable to owners of parent			525,583		525,583
   Repurchase of treasury stock				(65,368)	(65,368)
   Disposal of treasury stock		0		260	260
   Cancellation of treasury stock		(40,006)		40,006	—
   Changes in equity of parent due to transactions with non- controlling shareholders		(2,767)			(2,767)
   Transfer from retained earnings to capital surplus		40,006	(40,006)		—
   Net changes in items other than shareholders' equity
   Total changes during the fiscal year	—	(2,767)	276,717	(25,100)	248,848
   Balance at the end of the fiscal year	3,500,000	3,497,232	3,061,190	(31,485)	10,026,937

   	Accumulated other comprehensive income				Non-controlling interests	Total net assets
   	Net unrealized gains (losses) on available-for-sale securities	Net deferred gains (losses) on hedges	Accumulated adjustments for retirement benefits	Total accumulated other comprehensive income
   Balance at the beginning of the fiscal year	390,850	(1,126,952)	(1,833)	(737,936)	50,836	9,090,989
   Cumulative effects of changes in accounting policies				—		—
   Restated balance	390,850	(1,126,952)	(1,833)	(737,936)	50,836	9,090,989
   Changes during the fiscal year
   Cash dividends						(208,859)
   Net income attributable to owners of parent						525,583
   Repurchase of treasury stock						(65,368)
   Disposal of treasury stock						260
   Cancellation of treasury stock						—
   Changes in equity of parent due to transactions with non- controlling shareholders						(2,767)
   Transfer from retained earnings to capital surplus						—
   Net changes in items other than shareholders' equity	238,003	(337,324)	23,769	(75,551)	(4,195)	(79,747)
   Total changes during the fiscal year	238,003	(337,324)	23,769	(75,551)	(4,195)	169,101
   Balance at the end of the fiscal year	628,853	(1,464,276)	21,935	(813,487)	46,641	9,260,090

3. Consolidated statements of cash flowsCash flows from operating activities

   (Millions of yen)

   FY2025/3 FY2026/3

   Income before income taxes	584,178	758,316
   Depreciation and amortization	45,744	51,590
   Losses on impairment of fixed assets	3	640
   Losses (gains) on step acquisitions	—	(403)
   Equity in losses (gains) of affiliates	(322)	(388)
   Net change in reserve for possible loan losses	(18)	178
   Net change in reserve for possible investment losses	—	597
   Net change in reserve for bonuses	59	794
   Net change in reserve for bonuses for management board	235	52
   Net change in asset for retirement benefits	(4,478)	(6,998)
   Net change in liability for retirement benefits	(2,052)	2
   Net change in reserve for employee stock ownership plan trust	(95)	18
   Net change in reserve for management board benefit trust	203	102
   Net change in reserve for reimbursement of deposits	(8,416)	(2,926)
   Interest income	(1,750,168)	(2,270,832)
   Interest expenses	813,244	988,450
   Losses (gains) related to securities ‒ net	12,843	(42,942)
   Losses (gains) on money held in trust ‒ net	(451,533)	(223,654)
   Foreign exchange losses (gains) ‒ net	(423,621)	(1,065,940)
   Losses (gains) on sales and disposals of fixed assets ‒ net	352	596
   Net change in loans	3,716,839	(1,242,195)
   Net change in deposits	(2,338,968)	(4,353,048)
   Net change in borrowed money	525,200	309,300
   Net change in negotiable certificates of deposit	—	(10,000)
   Net change in call loans, etc.	1,069,817	633,336
   Net change in call money, etc.	2,942,412	(4,467,570)
   Net change in payables under securities lending transactions	(369,120)	429,038
   Net change in foreign exchange assets	47,070	(44,537)
   Net change in foreign exchange liabilities	(348)	15
   Interest received	1,723,342	2,173,385
   Interest paid	(791,366)	(880,569)
   Other ‒ net	(569,260)	35,952
   Subtotal	4,771,774	(9,229,638)
   Income taxes refund (paid)	(174,481)	(207,812)
   Net cash provided by (used in) operating activities	4,597,293	(9,437,450)
   Cash flows from investing activities
   Purchases of securities	(28,234,677)	(24,962,587)
   Proceeds from sales of securities	2,957,649	1,724,779
   Proceeds from maturity of securities	27,472,192	22,969,997
   Investment in money held in trust	(649,649)	(874,498)
   Proceeds from disposition of money held in trust	1,033,508	618,434
   Purchases of tangible fixed assets	(23,949)	(8,435)
   Purchases of intangible fixed assets Purchases of stocks of subsidiaries resulting in change in the scope of consolidation Other ‒ net	(29,645) — (24)	(34,177) (262) (17)
   Net cash provided by (used in) investing activities	2,525,403	(566,767)

   		(Millions of yen)
   	FY2025/3	FY2026/3
   Cash flows from financing activities
   Repurchase of treasury stock	(25,206)	(65,368)
   Proceeds from disposal of treasury stock	53	24
   Proceeds from investments by non-controlling shareholders	13,308	2,410
   Cash dividends paid	(184,490)	(208,778)
   Cash dividends paid to non-controlling shareholders	(11,750)	(19,510)

   Purchases of stocks of subsidiaries not resulting in change in the scope of consolidation

   Purchases of investments of subsidiaries not resulting in change in the scope of consolidation

   — (3,697)

   — (147)

   Net cash provided by (used in) financing activities	(208,086)	(295,066)
   Effect of exchange rate changes on cash and cash equivalents	—	—
   Net change in cash and cash equivalents	6,914,609	(10,299,284)
   Cash and cash equivalents at the beginning of the fiscal year	57,724,492	64,639,102
   Cash and cash equivalents at the end of the fiscal year	64,639,102	54,339,817

4. Notes to consolidated financial statements Notes on going-concern assumption

None

Segment information is omitted since the Group comprises only one segment, which is defined as banking services.

Net assets per share as of March 31, 2026 and net income per share for the fiscal year then ended were as follows:

(Yen) Net assets per share 2,586.63

Net income per share 147.10

Notes: 1. Diluted net income per share is not presented since there has been no potential dilution for the fiscal year ended March 31, 2026.

1. Net assets per share as of March 31, 2026 were calculated based on the following:

   Net assets	9,260,090
   Amount deducted from net assets	46,641
   Non-controlling interests	46,641
   Net assets attributable to common stock at the end of the fiscal year	9,213,449

   (Millions of yen)

   Number of common stock at the end of the fiscal year used for the calculation of net assets per share (thousand shares)

   3,561,946

2. Net income per share data for the fiscal year ended March 31, 2026 was calculated based on the following:

   (Millions of yen)

   Net income attributable to owners of parent 525,583 Amount not attributable to common shareholders － Net income attributable to owners of parent attributable to common stock 525,583

   Average number of common stock outstanding during the fiscal year

   (thousand shares)

   3,572,944

3. To calculate net assets per share, the treasury stock deducted from the number of common stock outstanding as of March 31, 2026 included 1,186 thousand shares of treasury stock held by the stock benefit trust.

To calculate net income per share, the treasury stock deducted to calculate the average number of outstanding shares for the fiscal year ended March 31, 2026 included 1,188 thousand shares of treasury stock held by the stock benefit trust.

None

(Millions of yen)

(Millions of yen)