Seven Bank, Ltd.TSE: 8410

Supplementary Materials for Financial Results for the Second Quarter (Interim Period) for the Fiscal Year Ending March 31, 2026

Nov 7, 2025 at 6:40 AM UTC · Issued by Seven Bank, Ltd.

Supplementary Materials for Financial Results for the Second Quarter (Interim Period) of the Fiscal Year Ending March 31, 2026

Seven Bank, Ltd.

Contents

Supplementary Materials for Financial Results

Key Management Indicators	Non-Consolidated/Consolidated	2
Net Revenue, Business Profit, etc.	Non-Consolidated	2
Average Balance of Interest-Earning Assets/
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)

	FY2023 Interim Period	FY2024 Interim Period	FY2025 Interim Period	FY2023	FY2024
Ordinary income	64,089	68,958	70,935	128,899	135,747
Ordinary profit	16,921	17,118	13,979	29,123	27,307
Net income	11,465	11,734	9,609	19,320	17,657
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	248,179	253,089	205,179	248,252	252,482
Total assets	1,568,499	1,395,021	1,276,146	1,536,555	1,327,309
Deposit balance	912,842	904,077	888,340	949,751	871,043
Loan balance	39,900	51,507	70,549	44,468	60,700
Securities balance	176,269	182,876	176,348	172,795	175,457
Non-consolidated capital adequacy ratio	45.49%	42.29%	(Preliminary) 33.95%	42.37%	41.50%
Number of employees	589	666	715	614	703

(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)

	FY2023 Interim Period	FY2024 Interim Period	FY2025 Interim Period	FY2023	FY2024
Ordinary income	92,222	106,283	107,552	197,877	214,408
Ordinary profit	16,405	16,751	14,814	30,526	30,289
Net income attributable to owners of the parent	32,610	10,940	9,966	31,970	18,221
Comprehensive income	35,985	12,723	8,049	34,387	19,684
Net assets	284,251	281,981	233,274	275,856	282,489
Total assets	1,789,070	1,569,239	1,430,049	1,717,818	1,495,977
Consolidated capital adequacy ratio	32.51%	30.78%	(Preliminary) 23.83 %	30.74%	29.13%

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

		FY2024 Interim Period (A)	FY2025 Interim Period (B)	Change (B)-(A)
Net revenue		52,766	54,381	1,614
	Net interest income	3,660	5,256	1,595
	Net fees and commissions	48,919	49,132	212
	Net other ordinary income	186	(6)	(193)
Net revenue ratio		37.92%	40.46%	2.54%
Business profit		15,234	13,976	(1,258)
Business profit before provision of general allowance for credit losses		15,245	14,196	(1,048)
Core business profit		15,245	14,280	(964)
Core business profit (Excluding gains (losses) on investment trust cancellation)		15,245	13,696	(1,549)

(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 (annualized).
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 Interim Period (A)	FY2025 Interim Period (B)	Change (B)-(A)
Interest-earning assets (1)	Average balance Interest Yield	277,488	268,023	(9,465)
		3,985	6,312	2,326
		2.86	4.69	1.83
Of which, loans	Average balance Interest Yield	48,204	66,034	17,830
		3,581	4,906	1,325
		14.81	14.81	0.00
Securities	Average balance Interest Yield	176,854	182,746	5,891
		222	767	545
		0.25	0.83	0.58
Call loans	Average balance Interest Yield	44,781	13,131	(31,650)
		54	38	(15)
		0.24	0.57	0.33
Due from banks	Average balance Interest Yield	7,646	6,110	(1,536)
		128	600	472
		3.34	19.59	16.25
Interest-bearing liabilities (2)	Average balance Interest Yield	1,070,476	1,028,648	(41,828)
		325	1,056	731
		0.06	0.20	0.14
Of which, deposits	Average balance Interest Yield	915,957	907,000	(8,956)
		126	774	648
		0.02	0.17	0.14
Negotiable certificates of deposits	Average balance Interest Yield	668	461	(207)
		0	0	0
		0.10	0.25	0.14
Call money	Average balance Interest Yield	88,850	65,721	(23,128)
		62	157	94
		0.14	0.47	0.33
Borrowed money	Average balance Interest Yield	-	5,464	5,464
		-	27	27
		-	0.98	0.98
Bonds	Average balance Interest Yield	65,000	50,000	(15,000)
		136	96	(39)
		0.41	0.38	(0.03)
Interest margin (Yield of (1) - Yield of (2))		2.80	4.49	1.68

(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 Interim Period			FY2025 Interim Period
	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	(590)	1,658	1,067	1,106	1,220	2,326
Of which, loans	763	38	801	1,324	0	1,325
Securities	37	114	152	24	520	545
Call loans	(11)	39	28	(91)	76	(15)
Due from banks	(1,380)	1,466	85	(150)	623	472
Interest-bearing liabilities	(77)	274	197	(65)	796	731
Of which, deposits	3	106	110	(7)	656	648
Negotiable
certificates of	(0)	0	0	(0)	0	0
deposits
Call money	(39)	142	103	(55)	149	94
Borrowed money	-	-	-	27	-	27
Bonds	(42)	25	(16)	(29)	(10)	(39)

(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) Interim Period	FY2025 (B) Interim Period	Change (B)-(A)
Return on assets (ROA) - Ratio of ordinary profit to total assets	2.43	2.07	(0.35)
Ratio of ordinary profit to capital	13.51	12.12	(1.38)
Ratio of net income to total assets	1.66	1.42	(0.24)
Return on equity	9.26	8.33	(0.92)

(Note) Each profit ratio for the interim period has been annualized.

Deposit Balance, etc. [Non-Consolidated]

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

	FY2024 (A) Interim Period	FY2025 (B) Interim Period	Change (B)-(A)
Deposits total	915,957	907,000	(8,956)
Of which, liquid deposits	698,796	689,862	(8,934)
Of which, time deposits	215,436	215,208	(227)
Of which, other	1,723	1,929	205
Negotiable certificates of deposits	668	461	(207)
Aggregate total	916,625	907,461	(9,164)

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

	FY2024 (A) Interim Period	FY2025 (B) Interim Period	Change (B)-(A)
Deposits total	904,077	888,340	(15,736)
Of which, liquid deposits	680,614	645,490	(35,123)
Of which, time deposits	214,128	231,926	17,798
Of which, other	9,334	10,923	1,589
Negotiable certificates of deposits	830	300	(530)
Aggregate total	904,907	888,640	(16,266)

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