Announcement regarding the Revision of the Earnings Forecast for FY2025, the Upward Revision of the Dividend Forecast for FY2025, and the Upward Revision of Numerical Targets in the Medium-Term Management Plan's Final Year

Note: This document has been translated from 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.

March 10, 2026

Company name : The San-in Godo Bank, Ltd.

Representative : Hiroshi Yoshikawa, President and Representative Director Code number : 8381, Prime Market, Tokyo Stock Exchange

Inquiries : Tsuyoshi Takahashi, Executive Officer, General

Manager of Management Planning Dept.

Based on recent business performance trends, we, the San-in Godo Bank, Ltd. have revised the earnings forecast and the dividend forecast for FY2025 (April 1, 2025 to March 31, 2026), which were announced on November 13, 2025, and have revised the numerical target in the medium-term management plan's final year, which was announced on February 22, 2024. Details are as follows.

1. Revision of the Earnings Forecast for FY2025

   e

   Previous fiscal year (FY2024)

   135,314

   26,716

   18,737

   122.89

   
   
   
   1. Revision of Consolidated Earnings Forecast for FY2025 (April 1, 2025 to March 31, 2026)

      	Ordinary Income (Million yen)	Ordinary Profit (Million yen)	Profit Attributable to Owners of Parent (Million yen)	Basic earnings per shar (Yen)
      Previous forecast(A)	160,300	29,800	21,000	138.59
      Current forecast(B)	166,100	32,100	22,500	148.63
      Change(B-A)	5,800	2,300	1,500
      Change(%)	3.6	7.7	7.1
      [Reference]

   2. Revision of Non-Consolidated Earnings Forecast for FY2025 (April 1, 2025 to March 31, 2026)

   Previous forecast(A)

   Current forecast(B) Change(B-A)

   Change(%) [Reference]

   Previous fiscal year (FY2024)

   Ordinary Income

   (Million yen)

   139,400

   143,900

   4,500

   3.2

   Ordinary Profit

   (Million yen)

   28,900

   31,100

   2,200

   7.6

   Profit Basic earnings per share

   (Million yen) (Yen)

   20,500 135.29

   21,900 144.67

   1,400

   6.8

   117,006

   25,990

   18,224

   119.53

   
   
   

   (Reason for the revision)

   We have upwardly revised the above forecasts for FY2025, primarily due to increases in interest on loans and discounts, and increases in interest and dividends on securities.

2. Upward Revision of the Dividend Forecast for FY2025

   Second quarter-end

   Previous forecast

   Current forecast

   Dividend per share

   Fiscal year-end

   ¥28.00

   ¥32.00

   Total

   ¥56.00

   ¥60.00

   Actual dividend payment

   Previous fiscal year (FY2024)

   ¥28.00

   ¥24.00

   ¥24.00

   ¥48.00

   
   
   

   (Reason for the revision)

   As profit attributable to owners of parent for FY2025 is expected to exceed our previous forecast, we have also decided to revise the fiscal year-end dividend for FY2025. Based on our shareholder return policy (dividend payout ratio of 40%), we have decided to increase the fiscal year-end dividend per share for FY2025 by 4 yen to 32 yen. As a result, the total dividend per share is expected to be 60 yen, with a dividend payout ratio (consolidated) of 40.3%.

3. Upward Revision of Numerical Target in the Medium-Term Management Plan's Final Year

25.5 billion yen

Current forecast

for FY2026

Previous forecast for FY2026

Financial Indicator (Consolidated)

Profit Attributable to Owners of Parent

23.5 billion yen

(Reason for the revision)

We have revised the above forecast for FY2026, primarily due to increases in interest on loans and discounts, and increases in interest and dividends on securities.

Note: The above forecasts have been prepared based on information available as of the date of publication of this document, and actual results may differ from the forecast figures due to various factors in the future.

END