Seven Bank, Ltd.TSE: 8410

Supplementary Materials for Financial Results for the Fiscal Year Ended March 31, 2026

May 8, 2026 at 8:39 AM UTC · Issued by Seven Bank, Ltd.

Supplementary Materials for Financial Results for the Fiscal Year Ended March 31, 2026

Seven Bank, Ltd.

Contents

Supplementary Materials for Financial Results

Key Management Indicators Non-Consolidated/Consolidated 2

Net Revenue, Business Profit, etc.

Average Balance of Interest-Earning Assets/

Non-Consolidated 2

Interest-Bearing Liabilities, etc. Non-Consolidated 3

Change in Interest Income/Expense Non-Consolidated 4

Profit Ratio Non-Consolidated 4

Deposit Balance, etc. Non-Consolidated 4

General and Administrative Expenses Breakdown Non-Consolidated 5

Loan Balance Non-Consolidated 5

Loans Outstanding by Residual Period Non-Consolidated 6

Loan Breakdown, etc. Non-Consolidated 6

Balance of Securities, etc. Non-Consolidated 7

Balance of Securities by Residual Period Non-Consolidated 7

Loan-to-Deposit and Investment-to-Deposit Ratios Non-Consolidated 8

Allowance for Credit Losses Non-Consolidated 8

Risk-Monitored Loans and Financial Reconstruction Act Based Disclosure Non-Consolidated/Consolidated 8

Details of Bonds Non-Consolidated 9

Status of Capital Adequacy Ratio Non-Consolidated/Consolidated 9

Supplementary Materials for Financial Results Unless otherwise noted, amounts of less than one million yen are rounded down. Key Management Indicators [Non-Consolidated] (Millions of yen)

	FY2021	FY2022	FY2023	FY2024	FY2025
Ordinary income	110,298	120,509	128,899	135,747	142,951
Ordinary profit	28,412	31,500	29,123	27,307	26,697
Net income	18,135	19,508	19,320	17,657	18,016
Common stock	30,724	30,724	30,724	30,724	30,724
Total number of shares issued (thousand shares)	1,179,308	1,179,308	1,179,308	1,179,308	1,179,308
Net assets	236,925	243,627	248,252	252,482	259,728
Total assets	1,209,040	1,287,693	1,536,555	1,327,309	1,404,742
Deposit balance	792,751	824,778	949,751	871,043	904,780
Loan balance	28,203	35,571	44,468	60,700	79,394
Securities balance	111,167	122,324	172,795	175,457	222,585
Non-consolidated capital adequacy ratio	53.20%	52.47%	42.37%	41.50%	(Preliminary) 42.75%
Payout ratio	71.30%	66.30%	66.77%	72.88%	67.74%
Number of employees	505	549	614	703	715

(Note) The number of employees excludes officers, executive officers, employees seconded from the Company, part-time employees, and temporary staff, and includes employees seconded from outside the Company to the Company.

Key Management Indicators [Consolidated] (Millions of yen)

	FY2021	FY2022	FY2023	FY2024	FY2025
Ordinary income	136,667	154,984	197,877	214,408	220,025
Ordinary profit	28,255	28,924	30,526	30,289	30,165
Net income attributable to owners of the parent	20,827	18,854	31,970	18,221	13,476
Comprehensive income	22,163	20,459	34,387	19,684	14,415
Net assets	244,113	254,242	275,856	282,489	286,265
Total assets	1,221,623	1,312,273	1,717,818	1,495,977	1,545,743
Consolidated capital adequacy ratio	47.31%	46.51%	30.74%	29.13%	(Preliminary) 29.91%

Net Revenue, Business Profit, etc. [Non-Consolidated] (Millions of yen)

		FY2024 (A)	FY2025 (B)	Change (B)-(A)
Net revenue		104,981	109,378	4,396
	Net interest income	7,442	10,717	3,274
	Net fees and commissions	97,282	98,746	1,464
	Net other ordinary income	256	(85)	(341)
Net revenue ratio		39.28%	37.50%	(1.78)%
Business profit		26,210	27,636	1,426
Business profit before provision of general allowance for credit losses		26,262	27,900	1,638
Core business profit		26,269	27,984	1,715
Core business profit (Excluding gains (losses) on investment trust cancellation)		26,269	27,400	1,130

(Notes) 1. There is no specific transaction balance.

Net revenue ratio is calculated by dividing net revenue by the average balance of interest-earning assets.
Business profit = Net revenue - Expenses (excluding non-recurring items) - Provision of general allowance for credit losses.
Business profit before provision of general allowance for credit losses = Business profit + Provision of general allowance for credit losses.
Core business profit = Business profit + Provision of general allowance for credit losses - Gains (losses) on bond transactions.

Average Balance of Interest-Earning Assets/Interest-Bearing Liabilities, etc. [Non-Consolidated]

(Millions of yen, %)

		FY2024 (A)	FY2025 (B)	Change (B)-(A)
Interest-earning assets (1)	Average balance Interest Yield	267,258	291,615	24,356
		8,599	13,468	4,868
		3.21	4.61	1.40
Of which, loans	Average balance Interest Yield	51,924	70,768	18,844
		7,687	10,470	2,783
		14.80	14.79	(0.00)
Securities	Average balance Interest Yield	182,040	192,493	10,453
		359	1,231	872
		0.19	0.63	0.44
Call loans	Average balance Interest Yield	27,104	24,593	(2,510)
		77	166	89
		0.28	0.67	0.39
Due from banks	Average balance Interest Yield	6,189	3,759	(2,430)
		475	1,598	1,123
		7.68	42.53	34.85
Interest-bearing liabilities (2)	Average balance Interest Yield	1,108,900	1,048,703	(60,197)
		1,156	2,750	1,594
		0.10	0.26	0.15
Of which, deposits	Average balance Interest Yield	915,507	921,593	6,085
		550	1,904	1,353
		0.06	0.20	0.14
Negotiable certificates of deposits	Average balance Interest Yield	716	380	(335)
		1	1	(0)
		0.19	0.26	0.07
Call money	Average balance Interest Yield	130,471	48,930	(81,541)
		348	253	(95)
		0.26	0.51	0.25
Borrowed money	Average balance Interest Yield	1,397	5,014	3,617
		3	50	46
		0.25	0.99	0.74
Bonds	Average balance Interest Yield	60,808	70,958	10,150
		251	503	251
		0.41	0.70	0.29
Interest margin (Yield of (1) - Yield of (2))		3.11	4.35	1.25

(Note) Interest-earning assets are presented net of the average balance of non-interest-earning deposits.

Change in Interest Income/Expense [Non-Consolidated] (Millions of yen)

	FY2024			FY2025
	Change due to balance	Change due to interest rate	Net change	Change due to balance	Change due to interest rate	Net change
Interest-earning assets	(4,998)	7,434	2,435	1,804	3,064	4,868
Of which, loans	1,782	24	1,806	2,788	(4)	2,783
Securities	42	170	212	66	805	872
Call loans	(83)	111	27	(17)	106	89
Due from banks	(6,739)	7,128	388	(1,033)	2,157	1,123
Interest-bearing liabilities	(117)	1,002	886	(264)	1,858	1,594
Of which, deposits	8	509	518	12	1,341	1,353
Negotiable
certificates of	(0)	1	1	(0)	0	(0)
deposits
Call money	(52)	460	408	(422)	327	(95)
Borrowed money	3	-	3	36	10	46
Bonds	(76)	30	(46)	72	179	251

(Note) The overlapping areas of increase or decrease factors in balance and interest rate are calculated proportionally according to the ratio of increase or decrease between the two.

Profit Ratio [Non-Consolidated] (%)

	FY2024 (A)	FY2025(B)	Change (B)-(A)
Return on assets (ROA) - Ratio of ordinary profit to total assets	1.87	1.92	0.04
Ratio of ordinary profit to capital	10.44	10.96	0.52
Ratio of net income to total assets	1.21	1.29	0.08
Return on equity	6.75	7.40	0.65

(Note) Each profit ratio is calculated by dividing profit by the average balance for the period.

Deposit Balance, etc. [Non-Consolidated]

Balance by type of deposit (average balance) (Millions of yen)

	FY2024 (A)	FY2025 (B)	Change (B)-(A)
Deposits total	915,507	921,593	6,085
Of which, liquid deposits	699,634	684,348	(15,285)
Of which, time deposits	213,844	235,008	21,163
Of which, other	2,028	2,236	207
Negotiable certificates of deposits	716	380	(335)
Aggregate total	916,223	921,974	5,750

Balance by type of deposit (balance at end of year) (Millions of yen)

	FY2024 (A)	FY2025 (B)	Change (B)-(A)
Deposits total	871,043	904,780	33,736
Of which, liquid deposits	660,639	649,395	(11,243)
Of which, time deposits	209,967	254,959	44,991
Of which, other	436	425	(11)
Negotiable certificates of deposits	800	300	(500)
Aggregate total	871,843	905,080	33,236

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