Consolidated Financial Results for the Nine Months Ended December 31,2025

Company name: The San-in Godo Bank, Ltd. Listing: Tokyo Stock Exchange Securities code: 8381

URL: https://www.gogin.co.jp/

Representative: Hiroshi Yoshikawa, President and Representative Director

Inquiries: Tsuyoshi Takahashi, Executive Officer, General Manager, Management Planning Dept. Telephone: +81-852-55-1000

Scheduled date to commence dividend payments: -Trading accounts: None

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

January 30, 2026

(Yen amounts are rounded down to millions, unless otherwise noted.)

1. Consolidated financial results for the nine months ended December 31, 2025 (from April 1, 2025 to December 31, 2025)
   1. Consolidated operating results (cumulative) (Percentages indicate year-on-year changes.)

      	Ordinary income		Ordinary profit		Profit attributable to owners of parent
      Nine months ended December 31, 2025 December 31, 2024	Millions of yen 115,444 96,307	% 19.8 8.7	Millions of yen 23,922 19,392	% 23.3 24.6	Millions of yen 16,776 13,147	% 27.6 26.1

      Note: Comprehensive income	For the nine months ended December 31, 2025:	¥	22,080 million [	- %]
      	For the nine months ended December 31, 2024:	¥	1,249 million [	(83.4) %]

      	Basic earnings per share	Diluted earnings per share
      Nine months ended	Yen	Yen
      December 31, 2025	110.72	110.69
      December 31, 2024	86.17	86.15

   2. Consolidated financial position

   	Total assets	Net assets	Net assets ratio
   As of December 31, 2025 March 31, 2025	Millions of yen 8,557,197 8,549,438	Millions of yen 325,126 312,568	% 3.7 3.6

   Reference: Equity

   As of December 31, 2025:	¥	324,944 million
   As of March 31, 2025:	¥	312,387 million

   Note: Net assets ratio = (Net assets - Share acquisition rights - Non-controlling interests) / Total assets

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	-	24.00	-	24.00	48.00
   Fiscal year ending March 31, 2026	-	28.00	-
   Fiscal year ending March 31, 2026 (Forecast)				28.00	56.00

   Note: Revisions to the forecast of cash dividends most recently announced: None

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.)

Note: Revisions to the financial result forecast most recently announced: None

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

2. Adoption of accounting treatment specific to the preparation of quarterly consolidated financial statements: Yes

3. 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. Restatements: None

4. Number of issued shares (common shares)

   1. Total number of issued shares at the end of the period (including treasury shares)

      As of December 31, 2025	156,977,472 shares
      As of March 31, 2025	156,977,472 shares

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

      As of December 31, 2025	6,006,350 shares
      As of March 31, 2025	4,837,415 shares

   3. Average number of shares outstanding during the period (cumulative from the beginning of the fiscal year)

Note: The period-end treasury stock includes the Bank's shares held by a trust account for Board Benefit Trust (BBT) and Japan Employee Stock Ownership Plan (J-ESOP) (1,099,200 shares as of December 31, 2025 and 781,300 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 the trust accounts (902,516 shares as of December 31, 2025 and 827,300 shares as of December 31, 2024).

• Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: None

• Proper use of earnings forecasts, and other special matters

The forecasts above are based on information available to the Bank as of the date of this publication. Accordingly, actual results may differ significantly from those forecasts due to various factors.

Table of Contents

Quarterly Consolidated Balance Sheet 2

Quarterly Consolidated Statement of Income 4

Quarterly Consolidated Statement of Comprehensive Income 5

1. Financial Results for the Nine-Month Period [Non-consolidated] 6

2. Deposits, Loans and Securities [Non-consolidated] 7

3. Soundness of Assets [Consolidated] 8

4. Net Holding Gains (Losses) on Securities [Consolidated] 8

Quarterly Consolidated Financial Statements and Primary Notes Quarterly Consolidated Balance Sheet

(Millions of yen) As of March 31, 2025 As of December 31, 2025

(Millions of yen) As of March 31, 2025 As of December 31, 2025