Financial Results for the Fiscal Year Ended March 31, 2026 (Consolidated Data)

Financial Results for the Fiscal Year Ended March 31, 2026 [JGAAP](Consolidated Data)

May 8, 2026

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 holding the Annual General Meeting of Shareholders: June 22, 2026 Scheduled date for cash dividends: June 8, 2026

Scheduled date for filing of financial report: June 17, 2026

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 Fiscal Year Ended March 31, 2026 (April 1, 2025-March 31, 2026)

   1. Consolidated Operating Results (% represents the year-on-year change from the previous fiscal year.)

      	Ordinary income		Ordinary profit		Net income attributable to owners of the parent
      	Million yen	%	Million yen	%	Million yen	%
      Fiscal year ended March 31, 2026	220,025	2.6	30,165	(0.4)	13,476	(26.0)
      Fiscal year ended March 31, 2025	214,408	8.3	30,289	(0.7)	18,221	(43.0)

      Note: Comprehensive income: Fiscal year ended March 31, 2026 14,415 million yen (-26.7%)

      Fiscal year ended March 31, 2025 19,684 million yen (-42.7%)

      	Net income per share	Diluted earnings per share	Return on equity (ROE)	Return on assets (ROA) - Ratio of ordinary profit to total assets	Ratio of ordinary profit to ordinary income
      Fiscal year ended March 31, 2026 Fiscal year ended March 31, 2025	Yen 12.14 15.57	Yen - -	% 4.8 6.6	% 1.9 1.8	% 13.7 14.1

      (Reference) Equity in net earnings of affiliated companies: Fiscal year ended March 31, 2026 - million yen

      Fiscal year ended March 31, 2025 -76 million yen 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	Net assets per share
      	Million yen	Million yen	%	Yen
      As of March 31, 2026	1,545,743	286,265	18.1	240.14
      As of March 31, 2025	1,495,977	282,489	18.5	236.93

      (Reference) Capital: As of March 31, 2026 280,491 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.

   3. Consolidated Cash Flows

   	Net cash provided by operating activities	Net cash used in investing activities	Net cash used in financing activities	Cash and cash equivalents at the end of the year
   	Million yen	Million yen	Million yen	Million yen
   Fiscal year ended March 31, 2026	83,930	(71,453)	(11,652)	892,764
   Fiscal year ended March 31, 2025	(38,869)	(46,714)	(12,667)	892,626

2. Dividends

   	Dividend per share					Total dividends (total)	Payout ratio (consolidated)	Ratio of dividends to equity (consolidated)
   	First quarter	Semi-annual	Third quarter	Year end	Total
   Fiscal year ended March 31, 2025 Fiscal year ended March 31, 2026	Yen - -	Yen 5.50 5.50	Yen - -	Yen 5.50 5.50	Yen 11.00 11.00	Million yen 12,930 11,850	% 70.6 90.5	% 4.6 4.6
   Fiscal year ending March 31, 2027 (Forecasts)	-	5.50	-	5.50	11.00		75.5

3. Performance Forecasts for the Fiscal Year Ending March 31, 2027 (April 1, 2026-March 31, 2027)

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

Notes

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

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

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

   1. Changes in accounting policy arising from revision of accounting standards, etc.

   2. Changes in accounting policy other than those noted in (a) above

      : None

      : None

   3. Changes in accounting estimates : Yes

   4. Retrospective restatements : None

3. Number of shares (common stock)

   As of March 31, 2026	1,179,308,000 shares	As of March 31, 2025	1,179,308,000 shares
   As of March 31, 2026	11,323,221 shares	As of March 31, 2025	9,370,794 shares
   Fiscal year ended March 31, 2026	1,109,518,102 shares	Fiscal year ended March 31, 2025	1,169,930,524 shares

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

   2. Number of treasury shares

   3. Average number of shares for the period under review

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."

Reference: Overview of Non-Consolidated Performance

1. Non-Consolidated Financial Highlights for the Fiscal Year Ended March 31, 2026 (April 1, 2025-March 31, 2026)

   1. Non-Consolidated Operating Results (% represents the year-on-year change from the previous fiscal year.)

      	Ordinary income		Ordinary profit		Net income
      Fiscal year ended March 31, 2026 Fiscal year ended March 31, 2025	Million yen 142,951 135,747	% 5.3 5.3	Million yen 26,697 27,307	% (2.2) (6.2)	Million yen 18,016 17,657	% 2.0 (8.6)
      	Net income per share		Diluted earnings per share
      Fiscal year ended March 31, 2026 Fiscal year ended March 31, 2025	Yen 16.23 15.09		Yen - -

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

   2. Non-Consolidated Financial Position

   	Total assets	Total net assets	Net assets to total assets ratio	Net assets per share
   	Million yen	Million yen	%	Yen
   As of March 31, 2026	1,404,742	259,728	18.4	222.37
   As of March 31, 2025	1,327,309	252,482	19.0	215.78

   (Reference)Capital: As of March 31, 2026 259,728 million yen

   As of March 31, 2025 252,450 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) / 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. Non-Consolidated Performance Forecasts for the Fiscal Year Ending March 31, 2027 (April 1, 2026-March 31, 2027)

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

• This earnings report is exempt from review procedures by a certified public accountant or audit corporation.

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

This report contains 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. Consolidated Financial Statements

1. Consolidated Balance Sheets

   (Millions of yen)

   As of March 31, 2025 As of March 31, 2026
   Assets
   Cash and due from banks	892,852	896,249
   Securities	120,702	167,855
   Loans	72,257	90,843
   Foreign exchanges	0	0
   ATM-related temporary payments	102,749	99,664
   Accounts receivable from credit card members	128,458	126,146
   Other assets	77,733	73,291
   Tangible fixed assets	50,247	45,812
   Buildings	2,328	2,237
   ATMs	41,584	33,795
   Other tangible fixed assets	6,334	9,778
   Intangible fixed assets	50,046	44,402
   Software	41,521	38,999
   Other intangible fixed assets	8,524	5,403
   Asset for retirement benefits	2,969	4,709
   Deferred tax assets	2,639	2,473
   Allowance for credit losses	(4,679)	(5,705)
   Total assets	1,495,977	1,545,743
   Liabilities
   Deposits	841,344	875,261
   Negotiable certificates of deposits	800	300
   Call money	35,000	-
   Borrowed money	13,343	13,598
   Bonds	50,000	100,000
   ATM-related temporary advances	71,228	68,319
   Accounts payable for credit card business	40,738	39,155
   Deposits for electronic money	62,660	59,186
   Other liabilities	96,103	100,759
   Provision for bonuses	1,063	1,418
   Liability for retirement benefits	35	44
   Provision for retirement benefits for directors	9	-
   Provision for stocks payment	983	1,084
   Deferred tax liabilities	177	350
   Total liabilities	1,213,488	1,259,477
   Net assets
   Common stock	30,724	30,724
   Capital surplus	31,071	32,068
   Retained earnings	207,126	208,740
   Treasury stock	(2,738)	(3,089)
   Total shareholders' equity	266,184	268,443
   Net unrealized gains (losses) on available-for-sale securities	85	564
   Foreign currency translation adjustments	10,245	9,852
   Accumulated adjustments for retirement benefits	685	1,630
   Total accumulated other comprehensive income	11,016	12,047
   Subscription rights to shares	32	8
   Non-controlling interests	5,255	5,766
   Total net assets	282,489	286,265
   Total liabilities and net assets	1,495,977	1,545,743

2. Consolidated Statements of Income and Consolidated Statements of Comprehensive Income

Consolidated Statements of Income

(Millions of yen)

Fiscal year ended March 31, 2025 Fiscal year ended March 31, 2026

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