Financial Results for the First Quarter of Fiscal 2025 (Consolidated Data)

Financial Results for the First Quarter of the Fiscal Year Ending March 31, 2026 [JGAAP] (Consolidated Data)

August 8, 2025 Company name: Seven Bank, Ltd. Stock exchange listing: Tokyo Stock Exchange

Stock code: 8410 URL: https://www.sevenbank.co.jp/ Representative: (title) President and Representative Director

(name) Masaaki Matsuhashi

For inquiries: (title) Managing Executive Officer, General Manager of Planning Division (name) Ken Shimizu

Telephone: +81-3-3211-3041

Scheduled date for cash dividends: -

Trading accounts: Not established

Earnings supplementary explanatory documents: Yes

Earnings presentation: Yes (Analysts, institutional investors)

(Amounts of less than one million yen are rounded down and percentages are rounded to the first decimal place, etc.)

1. Financial Highlights for the First Quarter of the Fiscal Year Ending March 31, 2026 (April 1, 2025-June 30, 2025)

   previous fiscal year.)

   1. Consolidated Operating Results (Accumulated) (% represents the year-on-year change from the same period of the

      	Ordinary income		Ordinary profit		Net income attributable to owners of the parent
      	Million yen	%	Million yen	%	Million yen	%
      Three months ended June 30, 2025	53,323	3.6	6,607	(7.9)	4,188	(9.8)
      Three months ended June 30, 2024	51,427	24.6	7,178	(7.4)	4,644	(12.5)

      Note: Comprehensive income: Three months ended June 30, 2025 2,796 million yen (-54.1%)

      Three months ended June 30, 2024 6,093 million yen (-3.7%)

      	Net income per share	Diluted earnings per share
      	Yen	Yen
      Three months ended June 30, 2025	3.65	-
      Three months ended June 30, 2024	3.97	-

      Note: "Diluted earnings per share" is not described as there was no dilutive effect although dilutive shares existed.

   2. Consolidated Financial Position

   	Total assets	Total net assets	Net assets to total assets ratio
   	Million yen	Million yen	%
   As of June 30, 2025	1,471,243	228,005	15.1
   As of March 31, 2025	1,495,977	282,489	18.5

   (Reference) Capital: As of June 30, 2025 223,044 million yen

   As of March 31, 2025 277,201 million yen

   Note: "Net assets to total assets ratio" is calculated as: (Total net assets at the end of the period - Subscription rights to shares at the end of the period - Non-controlling interests at the end of the period) / Total assets at the end of the period. Please note that this "Net assets to total assets ratio" is not the capital adequacy ratio specified in the notification of capital adequacy ratio.

2. Dividends

   	Dividend per share
   	First quarter	Semi-annual	Third quarter	Year end	Total
   Fiscal year ended March 31, 2025 Fiscal year ending March 31, 2026	Yen - -	Yen 5.50	Yen -	Yen 5.50	Yen 11.00
   Fiscal year ending March 31, 2026 (Forecasts)		5.50	-	5.50	11.00

   Note: Revisions to most recently announced dividend forecasts (Yes/No): No

3. Performance Forecasts for the Fiscal Year Ending March 31, 2026 (April 1, 2025-March 31, 2026)

(% represents the year-on-year change from each respective corresponding period [full fiscal year and semi-annual] of the previous fiscal year.)

Note: Revisions to most recently announced performance forecasts (Yes/No): No Notes

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

   Added - (Company name) - Excluded - (Company name) -

2. Application of accounting methods specific to the preparation of quarterly consolidated financial statements

   : None

3. Changes in accounting policy, changes in accounting estimates, and retrospective restatements

   1. Changes in accounting policy arising from revision of accounting standards, etc. : None

   2. Changes in accounting policy other than those noted in (a) above : None

   3. Changes in accounting estimates : None

   4. Retrospective restatements : None

      As of June 30, 2025	1,179,308,000 shares	As of March 31, 2025	1,179,308,000 shares
      As of June 30, 2025	203,338,457 shares	As of March 31, 2025	9,370,794 shares
      Three months ended June 30, 2025	1,146,504,379 shares	Three months ended June 30, 2024	1,169,923,565 shares

4. Number of shares (common stock)

   1. Number of shares in issue (including treasury stock)

   2. Number of treasury shares

   3. Average number of shares for the period under review (three-month period)

Note: Number of treasury shares and average number of shares for the period under review include shares of the Company held by "Directors' Compensation BIP Trust" and "Stock Grant ESOP Trust."

• Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm

• Explanation of the appropriate use of earnings forecasts, and other special notes

: No

This report contains earnings projections and other forward-looking statements which represent the judgement of Seven Bank based on currently available information. Actual results may be materially different from the projections due to various factors in these forward-looking statements.

1. Quarterly Consolidated Financial Statements

1. Consolidated Balance Sheet

   (Millions of yen)

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

   Assets
   Cash and due from banks	892,852	828,568
   Securities	120,702	117,746
   Loans	72,257	77,809
   Foreign exchanges	0	0
   ATM-related temporary payments	102,749	129,877
   Accounts receivable from credit card members	128,458	131,855
   Other assets	77,733	87,785
   Tangible fixed assets	50,247	46,977
   Intangible fixed assets	50,046	50,453
   Asset for retirement benefits	2,969	3,027
   Deferred tax assets	2,639	2,580
   Allowance for credit losses	(4,679)	(5,438)
   Total assets	1,495,977	1,471,243
   Liabilities
   Deposits	841,344	870,262
   Negotiable certificates of deposits	800	300
   Call money	35,000	-
   Borrowed money	13,343	44,335
   Bonds	50,000	50,000
   ATM-related temporary advances	71,228	84,522
   Accounts payable for credit card business	40,738	38,568
   Deposits for electronic money	62,660	61,275
   Other liabilities	96,103	91,120
   Provision for bonuses	1,063	1,631
   Liability for retirement benefits	35	33
   Provision for retirement benefits of directors	9	-
   Provision for stocks payment	983	1,019
   Deferred tax liabilities	177	166
   Total liabilities	1,213,488	1,243,237
   Net assets
   Common stock	30,724	30,724
   Capital surplus	31,071	31,071
   Retained earnings	207,126	204,850
   Treasury stock	(2,738)	(53,557)
   Total shareholders' equity	266,184	213,089
   Net unrealized gains (losses) on available-for-sale 85 347 securities
   Foreign currency translation adjustments	10,245	8,945
   Accumulated adjustments for retirement benefits	685	662
   Total accumulated other comprehensive income	11,016	9,955
   Subscription rights to shares	32	36
   Non-controlling interests	5,255	4,925
   Total net assets	282,489	228,005
   Total liabilities and net assets	1,495,977	1,471,243

2. Consolidated Statement of Income and Consolidated Statement of Comprehensive Income

Consolidated Statement of Comprehensive Income

Three months ended June 30, 2024

(Millions of yen)

Three months ended June 30, 2025

Net income 4,617 4,191

Other comprehensive income 1,476 (1,395)