Consolidated Financial Results for the Three Months Ended June 30,2025

Consolidated Financial Results

for the Three Months Ended June 30, 2025 [Japanese GAAP]

July 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

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

1. Consolidated Financial Results for the Three Months Ended June 30, 2025 (from April 1, 2025 to June 30, 2025)

   1. Consolidated Operating Results (Percentages indicate year-on-year changes.)

      	Ordinary income		Ordinary profit		Profit attributable to owners of parent
      Three months ended June 30, 2025 June 30, 2024	Millions of yen 36,269 30,039	% 20.7 1.7	Millions of yen 4,185 6,573	% (36.3) 83.6	Millions of yen 3,222 4,666	% (30.9) 101.9

      (Note) Comprehensive income:	Three months ended June 30, 2025:	¥	4,053 million [	-	%]
      	Three months ended June 30, 2024:	¥	(4,853) million [	-	%]

      	Basic earnings per share	Diluted earnings per share
      Three months ended	Yen	Yen
      June 30, 2025	21.21	21.20
      June 30, 2024	30.43	30.43

   2. Consolidated Financial Position

   	Total assets	Net assets	Net assets ratio
   As of June 30, 2025 March 31, 2025	Millions of yen 8,363,437 8,549,438	Millions of yen 311,948 312,568	% 3.7 3.6

   (Reference) Equity: As of June 30, 2025:	¥	311,769 million
   As of March 31, 2025:	¥	312,387 million

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

2. Dividends

   	Annual dividends
   	1st quarter-end	2nd quarter-end	3rd quarter-end	Year-end	Total
   Fiscal year ended March 31, 2025 Fiscal year ending March 31, 2026	Yen	Yen	Yen	Yen	Yen
   	- -	24.00	-	24.00	48.00
   Fiscal year ending March 31,2026 (Forecast)		28.00	-	28.00	56.00

   (Note) Revision to the forecast for dividends announced most recently: None

3. Consolidated Financial Results Forecast for the Fiscal Year Ending March 31, 2026 (from April 1, 2025 to March 31, 2026)

(Percentages indicate year-on-year changes.)

(Note) Revision to the financial results forecast announced most recently: None

* Notes:

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 restatements

   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

4. Number of issued shares (common shares)

   1. Total number of issued shares at the end of the period (including treasury shares): June 30, 2025: 156,977,472 shares

      March 31, 2025: 156,977,472 shares

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

      June 30, 2025: 5,626,741 shares

      March 31, 2025: 4,837,415 shares

   3. Average number of shares outstanding during the period:

Three months ended June 30, 2025: 151,883,447 shares

Three months ended June 30, 2024: 153,285,882 shares

(Note) The period-end treasury stock includes the Bank's shares held by a trust account for Board Benefit Trust (BBT)(781,300 shares as of June 30, 2025 and 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 account (781,300 shares as of June 30, 2025 and 891,300 shares as of June 30, 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.

Quarterly Consolidated Balance Sheet 2

Quarterly Consolidated Statements of Income For the three months ended June 30, 2025 4

Quarterly Consolidated Statements of Comprehensive Income For the three months ended June 30, 2025 5

1. Financial Results For the three months ended June 30, 2025 (from April 1, 2025 to June 30, 2025) [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 Quarterly Consolidated Balance Sheet

(Millions of yen)

As of March 31, 2025 As of June 30, 2025

(Millions of yen)

As of March 31, 2025 As of June 30, 2025