Kyoto Financial Group,inc. TSE:5844

Kyoto Financial : FY2025 Interim Financial Results Briefing Session

Published

Source: MarketScreener

ItleiinFinancialResvlts8riefi»gSessiOß

December, 2025

fit&5Z7+zt?78/telz'g7 IU_Z7

(Securities code: 5844)



  1. Business Performance Overview

    Financial Results Summary of 1H FY2025 3

    4

    Financial Results Summary of 1H FY2025

    (Kyoto Bank, Non-consolidated)

    5

    Interest Income and Rate Earned on Loans and Bills

    (Kyoto Bank, Non-consolidated)

    Non-Interest Income (Consolidated)6

    Shareholder Returns 21

    Strategic Equity Holdings (1) 22

    Strategic Equity Holdings (2) 23

    Initiatives to Reduce Shareholder Capital Costs 24

    Efforts to Improve Corporate Value 25

    Credit Costs and Disclosed Assets

    (Kyoto Bank, Non-consolidated)

    7 Ⅲ. Reference Material

    Financial Results Forecast for FY2025 8

  2. Management Strategy

10

Progress towards the Strategic Goals of the 2nd Medium-Term Management Plan

11

Pillars of Initiatives towards the Strategic Goals of the 2nd Medium-Term Management Plan

12

Strengthen the Deposit and Loan-Oriented Business:

"Loans and Bills Discounted" (KyotoBank,Non-consolidated)

13

Strengthen the Deposit and Loan-Oriented Business: "Deposits" (Kyoto Bank, Non-consolidated)

Expand Comprehensive Solutions Function (1) 14

Expand Comprehensive Solutions Function (2) 15

Expand Comprehensive Solutions Function (3) 16

Discoverand NurtureNext-GenerationGrowthCompanies 17

Consumer General Sales 18

Market Operations 19

Capital Allocation 20

27

History of Kyoto Bank

(Outline: Establishment to Heisei Eras)

Outline of Kinki Region 28

Attraction of Kyoto Prefecture 29

Initiatives to Contribute to Local Communities 30

HR Strategy (Human Capital Management) (1) 31

HR Strategy (Human Capital Management) (2) 32

DX Strategy (1) 33

DX Strategy (2) 34

35

Impact of Rising JPY Interest Rate (Kyoto Bank, Non-consolidated)

Expenses and OHR 36

Comprehensive Risk Management 37

Group Companies 38

Governance Structure 39 1

Index



I. Business Performance Overview


Kyoto FG consolidated net income

Kyoto FG consolidated net income hit record highs for the fifth straight year, driven by an increase in the net income of Kyoto Bank, along with contributions from other group companies.

Kyoto FG consolidated

(JPY bn)

1H FY2024

1H 2025

YoY

Gross operating profit

56.8

57.6

0.8

Ordinary profit

29.6

37.4

7.8

Net income attributable to

owners of the parent

21.2

26.8

5.6

Kyoto Bank non-consolidated

Gross operating profit

53.4

68.1

14.7

Gross ordinary profit

28.2

50.8

22.6

Net income

20.4

40.7

20.3

*The figures for the interim period of fiscal year 2025 include dividends of 15 billion yen from the bank's subsidiary.

Gross operating profit

3.4

4.4

1.0

Gross ordinary profit

1.4

1.6

0.2

Net income

0.7

1.0

0.3

Group company contribution (excluding Kyoto Bank)

3

Financial Results Summary of 1H FY2025



(JPY bn)

【Increase Factor】

Loan interest rates increased

【Decrease Factor】 Decrease in dividend income

(excluding dividends from subsidiaries)

【Special Factor】

Including dividends from subsidiary

(150 billion yen)

Achieved a record high for five consecutive years

* Including gains and losses on stocks transferred for pure investment

Excluding subsidiary dividends,

1H FY2024

1H FY2025

YoY

Gross operating profit

53.4

68.1

14.7

Net interest income

44.1

59.8

15.7

Net fees and commissions

7.4

8.0

0.6

Other operating profit

1.8

0.2

(1.6)

Bond-relatedincomesuchas JGBs

(0.0)

(1.4)

(1.4)

Expenses

28.5

29.9

1.4

Actual net operating profit

24.8

38.2

13.4

Core net business profit

24.9

39.6

14.7

Excluding gains(losses) on bonds

and cancellation of investment trusts

24.7

38.6

13.9

Provision for general allowance for loan Losses (A)

-

0.1

0.1

Net operating profit

24.8

38.0

13.2

Nonrecurring profit and loss

3.4

12.7

9.3

Bad debt written-off (B)

0.2

0.3

0.1

Reversalofallowancefor loanlosses (C)

0.8

-

(0.8)

Other

2.8

13.0

10.2

Gains and Losses on

strategic investment securities*

1.1

11.9

10.8

Ordinary profit

28.2

50.8

22.6

Extraordinary profit and loss

(0.1)

0.0

0.1

Net income

20.4

40.7

20.3

Credit costs (A)+(B)-(C)

(0.6)

0.4

1.0

an increase of 5.3 billion yen year-on-year to 25.7 billion yen 4

Financial Results Summary of 1H FY2025 (Kyoto Bank, non-consolidated)