Consolidated Financial Results for the Nine Months Ended December 31, 2025

February 9, 2026

Company name: The Yamanashi Chuo Bank,Ltd. Listing: Tokyo Stock Exchange

Securities code: 8360

URL: https://www.yamanashibank.co.jp/

Representative: Yoshiaki Furuya President

Inquiries: Shigeki Yonaga Managing Executive Officer and General Manager of Corporate Planning Division

Telephone: +81-55-233-2111

Scheduled date to commence dividend payments: -Trading accounts: None

Preparation of supplementary material on financial results: Yes Holding of financial results briefing: None

(Yen amounts are rounded down to millions, unless otherwise noted.)

1. Consolidated financial results for the nine months ended December 31, 2025 (from April 1, 2025 to December 31, 2025)
   1. Consolidated operating results (cumulative) (Percentages indicate year-on-year changes.)

      	Ordinary income		Ordinary profit		Profit attributable to owners of parent
      Nine months ended December 31, 2025 December 31, 2024	Millions of yen 56,435 44,166	% 27.7 5.2	Millions of yen 10,333 7,375	% 40.1 19.4	Millions of yen 7,537 5,169	% 45.8 10.9

      Note: Comprehensive income	For the nine months ended December 31, 2025:	¥	20,228 million [	-%]
      	For the nine months ended December 31, 2024:	¥	(2,416) million [	-%]

      	Basic earnings per share	Diluted earnings per share
      Nine months ended	Yen	Yen
      December 31, 2025	246.16	245.93
      December 31, 2024	169.56	169.40

   2. Consolidated financial position

   	Total assets	Net assets	Equity-to-asset ratio
   As of December 31, 2025 March 31, 2025	Millions of yen 4,669,681 4,527,011	Millions of yen 230,398 213,241	% 4.9 4.6

   Reference: Equity

   As of December 31, 2025: ¥ 229,859 million

   As of March 31, 2025: ¥ 212,736 million

   Note: "Equity-to-asset ratio" is calculated by dividing (total net assets at the end of period - share acquisition rights at the end of period - non-controlling interests at the end of period) by the total assets at the end of period.

   This "Equity-to-asset ratio" is not the regulatory capital ratio provided for in the public notice pertaining to regulatory capital ratio.

2. Cash dividends

   	Annual dividends per share
   	First quarter-end	Second quarter-end	Third quarter-end	Fiscal year-end	Total
   	Yen	Yen	Yen	Yen	Yen
   Fiscal year ended March 31, 2025	-	32.00	-	44.00	76.00
   Fiscal year ending March 31, 2026	-	59.00	-
   Fiscal year ending March 31, 2026 (Forecast)				59.00	118.00

   Note: Revisions to the forecast of cash dividends most recently announced: None

3. Consolidated financial result forecasts for the fiscal year ending March 31, 2026 (from April 1, 2025 to March 31, 2026)

(Percentages indicate year-on-year changes.)

Note: Revisions to the financial result forecast most recently announced: None

1. Significant changes in the scope of consolidation during the period: Yes

   Newly included: 1 company (Company name) Yamanashi Regional Design Co., Ltd.

2. Adoption of accounting treatment specific to the preparation of quarterly consolidated financial statements: None

3. Changes in accounting policies, changes in accounting estimates, and restatement

   1. Changes in accounting policies due to revisions to accounting standards and other regulations: None

   2. Changes in accounting policies due to other reasons: None

   3. Changes in accounting estimates: None

   4. Restatement: None

4. Number of issued shares (common shares)

   1. Total number of issued shares at the end of the period (including treasury shares)

      As of December 31, 2025	32,783,000 shares
      As of March 31, 2025	32,783,000 shares

   2. Number of treasury shares at the end of the period

      As of December 31, 2025	2,104,276 shares
      As of March 31, 2025	2,208,145 shares

   3. Average number of shares outstanding during the period (cumulative from the beginning of the fiscal year)

*The Bank has introduced a Trust-based Employee Shareholding Incentive Plan (the "Plan"). The number of treasury shares at the end of the period includes shares of the Bank held by the Plan (548,000 shares as of December 31, 2025 and 635,000 shares as of March 31, 2025). In the calculation of the average number of shares outstanding during the year, the average number of shares held by the Plan (597,559 shares during the nine months ended December 31, 2025 and 714,272 shares during the nine months ended December 31, 2024) is included as the treasury shares to be deducted.

• Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: None

• Proper use of earnings forecasts, and other special matters

Forecasts of financial results described in this document are based on information available to the Bank as of the date of this document's release, and actual results may differ due to changes in the circumstances and other factors.

Table of Contents - Attachments

1. Qualitative Information on Quarterly Financial Results 2

   1. Explanation of Consolidated Operating Results 2

   2. Explanation of Consolidated Financial Position 2

   3. Explanation of Consolidated Financial Results Forecast and Other Forward-looking Information 2

2. Quarterly Consolidated Financial Statements and Principal Notes 3

   1. Quarterly Consolidated Balance Sheets 3

   2. Quarterly Consolidated Statements of Income and Comprehensive Income 4

   3. Notes on Going Concern Assumption 6

   4. Notes in Case of Significant Changes in Shareholders' Equity 6

   5. Notes on Segment Information, Etc 6

   6. Notes to Statements of Cash Flows 6

3. Supplementary Information 7

   1. Profit and Loss (Non-consolidated) 7

   2. Balance of Total Deposits, Loans, Etc. (Non-consolidated) 8

   3. Regulatory Capital Ratio (Domestic Standards) 8

   4. Valuation Difference on Securities with Fair Value (Non-consolidated) 9

   5. Disclosure Based on Categories Under the Financial Reconstruction Law (Non-consolidated) 9

1. Qualitative Information on Quarterly Financial Results

   1. Explanation of Consolidated Operating Results

      During the first nine months under review, the Japanese economy remained on a moderate recovery trend. While production remained within a flat range due to the impact of U.S. trade policies and slowing external demand, personal consumption recovered, supported by improvements in employment and income conditions, and capital investment also remained solid against the backdrop of strong corporate earnings.

      In the Yamanashi Prefecture economy, the number of domestic and international tourists remained strong, and signs of improvement in production, which had lacked momentum, were seen. Meanwhile, a cautious stance toward capital investment was observed amid rising material prices and uncertainty over the future outlook, and personal consumption also showed weakness as prolonged high prices heightened people's awareness of protecting their livelihoods. Overall, the economy remained within a flat range.

      Regarding the operating results for the first nine months under review, ordinary income increased by 12,269 million yen year on year to 56,435 million yen, due mainly to increases in interest on loans and interest and dividends on securities.

      Ordinary expenses increased by 9,311 million yen year on year to 46,102 million yen, primarily due to increases in interest on deposits and general and administrative expenses.

      As a result, ordinary profit increased by 2,957 million yen year on year to 10,333 million yen. Profit attributable to owners of the parent increased by 2,368 million yen year on year to 7,537 million yen.

   2. Explanation of Consolidated Financial Position

      Regarding changes in key accounts, total deposits, including negotiable certificates of deposit, increased by 212.0 billion yen from March 31, 2025 to 3,831.5 billion yen, mainly due to an increase in corporate and individual deposits.

      Loans increased by 173.4 billion yen from March 31, 2025 to 2,922.3 billion yen, mainly due to an increase in corporate and consumer loans.

      Securities increased by 42.2 billion yen from March 31, 2025 to 1,161.0 billion yen, mainly due to an increase in JGBs.

   3. Explanation of Consolidated Financial Results Forecast and Other Forward-looking Information

   There are no changes to the financial results forecast announced on November 14, 2025.

2. Quarterly Consolidated Financial Statements and Primary Notes

1. Quarterly Consolidated Balance Sheet

   Provision for retirement benefits for directors (and other officers)

   11

   5

   (Millions of yen)

   As of March 31, 2025 As of December 31, 2025

   Assets

   Cash and due from banks 554,863 475,217

   Call loans and bills bought 206 4,828

   Monetary claims bought 17,190 11,589

   Trading securities - 10

   Money held in trust 6,696 7,225

   Securities 1,118,735 1,161,024

   Loans and bills discounted 2,748,878 2,922,306

   Foreign exchanges 2,837 1,364

   Other assets 23,671 35,835

   Tangible fixed assets 21,482 21,620

   Retirement benefit asset 26,935 27,548

   Intangible fixed assets 4,272 3,871

   Customers' liabilities for acceptances and guarantees 6,609 6,523

   Deferred tax assets 4,551 374

   Total assets 4,527,011 4,669,681

   Allowance for loan losses (9,920) (9,659)

   Deposits 3,547,334 3,739,644

   Liabilities

   Cash collateral received for securities lent 145,897 111,108

   Negotiable certificates of deposit 72,144 91,868

   Foreign exchanges 168 572

   Borrowed money 493,584 441,028

   Provision for bonuses 1,946 1,018

   Other liabilities 41,447 40,967

   Provision for bonuses for directors (and other officers) 50 49

   Provision for contingent loss 131 118

   Provision for reimbursement of deposits 156 131

   Acceptances and guarantees 6,609 6,523

   Deferred tax liabilities 4,286 6,246

   Net assets

   Total liabilities 4,313,769 4,439,283

   Capital surplus 10,031 10,056

   Share capital 15,400 15,400

   Treasury shares (2,722) (2,603)

   Retained earnings 183,559 187,881

   Valuation difference on available-for-sale securities (2,763) 7,164

   Total shareholders' equity 206,267 210,734

   Remeasurements of defined benefit plans 8,940 8,545

   Deferred gains or losses on hedges 291 3,416

   Share acquisition rights 48 48

   Total accumulated other comprehensive income 6,468 19,125

   Total net assets 213,241 230,398

   Non-controlling interests 457 490

   Total liabilities and net assets 4,527,011 4,669,681

2. Quarterly Consolidated Statements of Income and Comprehensive Income

Quarterly Consolidated Statement of Income

Quarterly Consolidated Statement of Comprehensive Income

Comprehensive income attributable to owners of parent

(2,344) 20,195

Comprehensive income attributable to non-controlling interests

(72)

33

1. Notes on Going Concern Assumption

   Third Quarter Under Review Not applicable.

2. Notes in Case of Significant Changes in Shareholders' Equity

   First Nine Months Under Review Not applicable.

3. Notes on Segment Information, Etc.

   (Segment Information)

   The Group has one reportable segment (banking business), which is not so important as disclosure information, and segment information is omitted in this document.

4. Notes to Statements of Cash Flows

   The quarterly consolidated statements of cash flows for the first nine months under review have not been prepared. The depreciation (including amortization of intangible fixed assets excluding goodwill) and the amortization of goodwill for the first nine-month period are as follows.

   (Millions of yen)

   	Nine months ended December 31, 2024	Nine months ended December 31, 2025
   Depreciation	1,584	1,707
   Amortization of goodwill	-	-

   ３．Supplementary Information

   Ordinary income increased by 11,843 million yen year on year to 51,366 million yen, mainly due to increases in interest on loans, and interest and dividends on securities.

   Ordinary profit increased by 3,298 million yen year on year to 10,191 million yen, due to an increase in ordinary income, despite an increase of 8,545 million yen year on year in ordinary expenses, resulting mainly from increases in interest on deposits and expenses.

   Net income increased by 2,683 million yen year on year to 7,632 million yen.

   (Millions of yen)

   1. Profit and loss (Non-consolidated)

      			Nine months ended December 31, 2024 (A)	Nine months ended December 31, 2025 (B)	Increase (decrease) (B)－(A)	Forecast for the fiscal year ending March 31, 2026
      Ordinary income			39,523	51,366	11,843	-
      Gross business profit (Core gross business profit)			23,106	25,915	2,809
      			29,650	33,364	3,714
      	Interest income		24,740	29,841	5,101
      	Fees and commissions		5,579	4,790	(789)
      	Other operating income		(7,213)	(8,715)	(1,502)
      		JGBs and other bond transactions	(6,543)	(7,449)	(906)
      Expenses (ex. non-recurring processing)			19,320	20,476	1,156
      	Personnel		11,021	11,575	554
      	Premises and equipment		7,182	7,763	581
      	Tax		1,116	1,137	21
      Net business profit (before general provision to loan loss reserve)			3,785	5,439	1,654
      	Core net business profit		10,329	12,888	2,559	16,600
      	Core net business profit (ex. gain on cancellation of investment trusts)		10,329	12,888	2,559	16,600
      ①General provision to loan loss reserve			(139)	(139)	0
      Net business profit			3,925	5,579	1,654
      Non-operating gains (losses)			2,970	4,622	1,652
      	② Disposal of non-performing loans		1,143	239	(904)
      	③ Reversal of allowance for loan losses		-	-	-
      	④ Reversal of provision for contingent loss		-	-	-
      	Stock and other related income		3,586	3,699	113
      	Other non-operating gains (losses)		527	1,162	635
      Ordinary profit			6,893	10,191	3,298	12,200
      Extraordinary income (losses)			(22)	13	35
      Profit before income taxes			6,871	10,205	3,334
      Income taxes: basic			1,142	2,181	1,039
      Income taxes: deferred			778	390	(388)
      Total income taxes			1,921	2,572	651
      Net income			4,949	7,632	2,683	8,800
      Credit costs①＋②－③－④			1,004	99	(905)	1,400

   2. Balance of Total Deposits, Loans, Etc. (Non-consolidated)

      (100 million yen)

      		As of December 31, 2025			As of September 30, 2025	As of December 31, 2024
      			Change from September 30, 2025	Change from December 31, 2024
      Total deposits (including NCD, term-end)		38,399	389	1,560	38,010	36,839
      	Personal deposits	26,025	511	181	25,514	25,844

      (100 million yen)

      				As of December 31, 2025			As of September 30, 2025	As of December 31, 2024
      					Change from September 30, 2025	Change from December 31, 2024
      Loans (term-end)				29,364	719	2,665	28,645	26,699
      	To SMEs			17,434	545	1,516	16,889	15,918
      		Consumer loans		5,784	199	554	5,585	5,230
      			Housing loans	5,611	195	534	5,416	5,077

      (100 million yen)

      	As of December 31, 2025			As of September 30, 2025	As of December 31, 2024
      		Change from September 30, 2025	Change from December 31, 2024
      Balance of investment trust from over-the-counter sales	1,746	125	302	1,621	1,444
      Balance of JGBs from over-the-counter sales	603	6	88	597	515
      Total	2,350	131	391	2,219	1,959

   3. Regulatory capital ratio (Domestic standards)

      Consolidated (Millions of yen)

      	As of December 31, 2025			As of September 30, 2025	As of December 31, 2024
      		Change from September 30, 2025	Change from December 31, 2024
      Regulatory capital ratio	10.02%	(0.12%)	0.26%	10.14%	9.76%
      Regulatory capital	203,017	3,022	6,499	199,995	196,518
      Risk-weighted assets, etc.	2,025,184	54,541	12,983	1,970,643	2,012,201
      Total required capital	81,007	2,182	519	78,825	80,488

      Non-consolidated (Millions of yen)

      	As of December 31, 2025			As of September 30, 2025	As of December 31, 2024
      		Change from September 30, 2025	Change from December 31, 2024
      Regulatory capital ratio	9.59%	(0.11%)	0.30%	9.70%	9.29%
      Regulatory capital	192,836	2,947	6,302	189,889	186,534
      Risk-weighted assets, etc.	2,009,728	52,745	3,313	1,956,983	2,006,415
      Total required capital	80,389	2,110	133	78,279	80,256

      Note:"Total required capital" is the risk-weighted assets, etc. multiplied by 4%.

   4. Valuation difference on securities with fair value (Non-consolidated)

      (100 million yen)

      		As of December 31, 2025			As of September 30, 2025	As of December 31, 2024
      			Change from September 30, 2025	Change from December 31, 2024
      Valuation difference on available-for-sale securities		94	(50)	42	144	52
      	Stock	510	(1)	108	511	402
      	Bonds	(467)	(66)	(220)	(401)	(247)
      	Other	51	17	153	34	(102)
      	Foreign bonds	(2)	(2)	(1)	(0)	(1)

      Interest rate swaps (deferred hedge)	49	17	48	32	1
      Total after taking hedge into account	144	(32)	91	176	53

      Notes: 1. The "valuation difference" above represents the difference between the book value (after applying the amortized cost method and accounting for impairment losses) and the fair value at the end of each period.

      1. For a portion of the bonds, hedging transactions are conducted using interest rate swaps to reduce fair value fluctuation risks, and deferred hedge accounting is applied.

      2. The unrealized gains and losses on held-to-maturity bonds are as follows. There were no applicable subsidiary or affiliate shares with fair value.

         (100 million yen)

         	As of December 31, 2025			As of September 30, 2025	As of December 31, 2024
         		Change from September 30, 2025	Change from December 31, 2024
         Unrealized gains and losses on held-to-maturity bonds	(0)	0	0	(0)	(0)

   5. Disclosure based on categories under the Financial Reconstruction Law (Non-consolidated)

(100 million yen; %)

Note: The figures above are classified according to the categories of claims prescribed in Article 4 of the Ordinance for Enforcement of the Act on Emergency Measures for the Revitalization of Financial Functions. Although partial charge-offs have not been carried out, the figures assuming such charge-offs are as follows.

(100 million yen; %)