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

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

February 6, 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 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 Third Quarter of the Fiscal Year Ending March 31, 2026 (April 1, 2025-December 31, 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	%
      Nine months ended December 31, 2025	162,878	2.1	21,884	(5.2)	8,775	(41.4)
      Nine months ended December 31, 2024	159,490	10.1	23,106	0.6	14,976	(59.0)

      Note: Comprehensive income: Nine months ended December 31, 2025 7,158 million yen (-53.4%)

      Nine months ended December 31, 2024 15,390 million yen (-61.5%)

      	Net income per share	Diluted earnings per share
      	Yen	Yen
      Nine months ended December 31, 2025	8.04	-
      Nine months ended December 31, 2024	12.80	-

      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 December 31, 2025	1,671,491	278,448	16.3
   As of March 31, 2025	1,495,977	282,489	18.5

   (Reference) Capital: As of December 31, 2025 273,541 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 5.50	Yen - -	Yen 5.50	Yen 11.00
   Fiscal year ending March 31, 2026 (Forecasts)				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 the previous fiscal year.)

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

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

4. Number of shares (common stock)

   As of December 31, 2025	1,179,308,000shares	As of March 31, 2025	1,179,308,000shares
   As of December 31, 2025	11,331,113shares	As of March 31, 2025	9,370,794shares
   Nine months ended December 31, 2025	1,090,384,272shares	Nine months ended December 31, 2024	1,169,928,550shares

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

   2. Number of treasury shares

   3. Average number of shares for the period under review (nine-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 Sheets

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

   Assets
   Cash and due from banks	892,852	984,291
   Securities	120,702	137,772
   Loans	72,257	86,310
   Foreign exchanges	0	0
   ATM-related temporary payments	102,749	155,213
   Accounts receivable from credit card members	128,458	139,675
   Other assets	77,733	76,679
   Tangible fixed assets	50,247	46,192
   Intangible fixed assets	50,046	45,649
   Asset for retirement benefits	2,969	3,158
   Deferred tax assets	2,639	2,650
   Allowance for credit losses	(4,679)	(6,103)
   Total assets	1,495,977	1,671,491
   Liabilities
   Deposits	841,344	979,320
   Negotiable certificates of deposits	800	300
   Call money	35,000	-
   Borrowed money	13,343	7,514
   Bonds	50,000	100,000
   ATM-related temporary advances	71,228	94,516
   Accounts payable for credit card business	40,738	44,893
   Deposits for electronic money	62,660	61,272
   Other liabilities	96,103	103,367
   Provision for bonuses	1,063	620
   Liability for retirement benefits	35	33
   Provision for retirement benefits of directors	9	-
   Provision for stocks payment	983	1,037
   Deferred tax liabilities	177	165
   Total liabilities	1,213,488	1,393,042
   Net assets
   Common stock	30,724	30,724
   Capital surplus	31,071	32,068
   Retained earnings	207,126	204,039
   Treasury stock	(2,738)	(3,091)
   Total shareholders' equity	266,184	263,740
   Net unrealized gains (losses) on available-for-sale 85 576 securities
   Foreign currency translation adjustments	10,245	8,609
   Accumulated adjustments for retirement benefits	685	615
   Total accumulated other comprehensive income	11,016	9,801
   Subscription rights to shares	32	53
   Non-controlling interests	5,255	4,854
   Total net assets	282,489	278,448
   Total liabilities and net assets	1,495,977	1,671,491

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

-