Interim report
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Rakuten Bank , Ltd. Consolidated Financial Results for the Three Months Ended June 30 , 2026 Note : This document has been translated from the Japanese original for reference purposes only . In the event of any discrepancy between this translated document and the Japanese original , the original shall prevail . Consolidated Financial Results for the Three Months Ended June 30 , 2026 ( Under Japanese GAAP ) August 6 , 2026 Tomotaka Torin , President and CEO Company name : Rakuten Bank , Ltd. Securities code : 5838 Representative : Inquiries : Telephone : Listing : URL : Tokyo Stock Exchange https://www.rakuten-bank.co.jp/corp/english/ Naoki Mizuguchi , Executive Vice President , Executive Manager of Planning Division + 81-50-5581-6120 Scheduled date to commence dividend payments : Trading accounts : None Supplementary material on financial results : Yes Financial results briefing : Scheduled ( for institutional investors and analysts ) ( Yen amounts are rounded down to millions , unless otherwise noted . ) 1. Consolidated Financial Results for the Three Months Ended June 30 , 2026 ( from April 1 , 2026 to June 30 , 2026 ) ( 1 ) Consolidated Operating Results ( Percentages indicate year - on - year changes . ) Profit Attributable to Owners of Parent JPY million % 20,965 24.5 16,835 54.1 Ordinary Income Ordinary Profit Three Months Ended JPY million % JPY million % June 30 , 2026 78,425 36.3 June 30 , 2025 57,504 40.8 30,209 23,943 26.1 56.8 ( Note ) Comprehensive income For the three months ended June 30 , 2026 : JPY 21,542 million [ ( 2.8 ) % ] For the three months ended June 30 , 2025 : JPY 22,177 million [ 117.9 % ] Profit per Share Diluted Profit per Share Three Months Ended JPY June 30 , 2026 June 30 , 2025 120.14 96.48 JPY 119.96 96.35 ( 2 ) Consolidated Financial Position As of June 30 , 2026 March 31 , 2026 Total Assets Net Assets Own Capital Ratio JPY million JPY million % 16,486,390 16,592,139 418,294 389,529 2.3 2.2 ( Reference ) Own Capital : June 30 , 2026 JPY 392,743 million , March 31 , 2026 JPY 371,322 million ( Note ) " Own Capital Ratio " is calculated as follows : ( Total net assets - Subscription rights to share – Minority interest ) / Total Assets x 100 at year end . Own Capital Ratio stated above is not Capital Adequacy Ratio ( Japanese domestic standard ) .
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Rakuten Bank, Ltd. Consolidated Financial Results for the Three Months Ended June 30, 2026 2. Dividends Distribution 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, 2026 － 0.00 － 0.00 0.00 Fiscal Year Ending March 31, 2027 － Fiscal Year Ending March 31, 2027 (Forecast) 0.00 － 0.00 0.00 (Note) Revisions to the forecast of cash dividends most recently announced: None 3. Forecasts for the Fiscal Year Ending March 31, 2027 (from April 1, 2026 to March 31, 2027) (Percentages indicate year-on-year changes.) Ordinary Income Ordinary Profit Profit Attributable to Owners of Parent Profit per Share Fiscal Year Ending JPY million % JPY million % JPY million % JPY March 31, 2027 343,456 34.3 125,780 22.0 88,145 20.6 505.10 (Note) Revisions to the forecast of consolidated earnings most recently announced: Yes ※ Special notes (1) Significant changes in the scope of consolidation during the period: None (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 restatements (i) Changes in accounting policies due to revision of accounting standards and other regulations: None (ii) Changes in accounting policies due to reasons other reasons : None (iii) Changes in accounting estimates: None (iv) Restatements: None (4) Number of issued shares (common shares) (i) Total number of issued shares at the end of the period (including treasury shares) As of June 30, 2026 174,510,680 shares As of March 31, 2026 174,499,180 shares (ii) Number of treasury shares at the end of the period As of June 30, 2026 144 shares As of March 31, 2026 144 shares (iii) Average number of shares outstanding during the period Three Months Ended June 30, 2026 174,507,578 shares Three Months Ended June 30, 2025 174,483,655 shares * Review of the Japanese -language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: Yes (voluntary) * Proper use of earnings forecasts, and other special matters The forward -looking statements contained in this document, including the financial results forecasts, are based on information currently available to the Company and certain assumptions deemed to be reasonable, and the Company does not promise achievement. Actual results may differ significantly from these forecasts due to a wide range of factors.
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Rakuten Bank, Ltd. Consolidated Financial Results for the Three Months Ended June 30, 2026 1 Table of Contents - Attachments 1. Overview of Operating Results, etc. ................................................................................................................... 2 (1) Overview of Operating Results .................................................................................................................. 2 (2) Overview of the Financial Position ............................................................................................................. 3 (3) Explanation of Consolidated Financial Forecasts and Other Forward-Looking Statements ....................... 4 2. Quarterly Consolidated Financial Statements ..................................................................................................... 5 (1) Quarterly Consolidated Balance Sheets ..................................................................................................... 5 (2) Quarterly Consolidated Statements of Income and Comprehensive Income .............................................. 6 (3) Notes to Quarterly Consolidated Financial Statements ............................................................................... 8 (Notes on segment information, etc.) .......................................................................................................... 8 (Notes on a substantial change in the amount of shareholders’ equity) ...................................................... 8 (Notes on going concern assumptions) ....................................................................................................... 8 (Notes on statements of cash flows) ........................................................................................................... 8
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Rakuten Bank, Ltd. Consolidated Financial Results for the Three Months Ended June 30, 2026 2 1. Overview of Operating Results, etc. (1) Overview of Operating Results During the three months ended June 30, 2026, the global economy continued a gradual recovery, although there are some regional variations, amid ongoing uncertainty over geopolitical risks in the context of the situations in Ukraine and the Middle East. In the U.S., the economy continued to expand at a moderate pace, while the Eurozone appeared to show signs of movement toward recovery. Meanwhile, China continued to experience a moderate slowdown, partly due to the impact of stagnation in the real estate market. The Japanese economy maintained a moderate recovery trend with personal consumption and capital investment showing signs of recovery. On the other hand, the economy faced fluctuations in crude oil prices stemming from geopolitical risks in Ukraine and the Middle East and volatility in financial and capital markets. Under these circumstances, a cautious outlook persisted regarding the impact of high resource prices and the yen's depreciation on corporate earnings. As for movements in monetary policy, while the Federal Reserve Board (FRB) left its policy interest rate unchanged, the European Central Bank (ECB) raised its policy interest rate at the Governing Council meeting held in June 2026, and the Bank of Japan (BOJ) hiked its policy interest rate at its June 2026 Monetary Policy Meeting. Taking into account that banking services are a form of social infrastructure, and considering the growing need for digital banking services against the background of the accelerating digital shift in individuals’ lives and corporate activities, during the three months ended June 30, 2026, the Group promoted the operation of convenient and stable settlement infrastructure, further enhanced security, and upgraded internal control systems. We started offering direct debit services for public money of Sakura City in Chiba Prefecture. Furthermore, we focused on expanding our business scale and increasing profitability through enhanced products and services, expansion of fund management and other initiatives. During the three months ended June 30, 2026, with the aim of meeting customers’ medium- to long-term asset formation needs, from June 2026 we began offering the “Premium Currency 3 Rakuten Bank Edition,” a single-premium fixed annuity insurance policy, available only online through Rakuten Bank and planned and developed jointly with Daiichi Frontier Life Insurance Co., Ltd. In addition, to further promote account openings and service usage, we launched the “25th Anniversary Campaign” and the “18 Million Accounts Commemorative Campaign,” and also held the “Summer Bonus Campaign,” which applied special interest rates to yen time deposits to provide customers with opportunities to manage their assets more efficiently. As a result of these initiatives, the number of accounts reached 18.46 million and the deposit balance on a non-consolidated basis increased to ¥13,365,606 million as of June 30, 2026. The scale of business of the Company has been significantly expanded. Consolidated ordinary income for the three months ended June 30, 2026 totaled ¥78,425 million, an increase of ¥20,920 million year on year. Looking at the breakdown of ordinary income, interest income increased by ¥19,482 million year on year to ¥63,095 million. This increase was attributable to an increase in assets under management and higher investment
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Rakuten Bank, Ltd. Consolidated Financial Results for the Three Months Ended June 30, 2026 3 yields following the Bank of Japan’s policy interest rate increase. Fees and commissions increased by ¥1,553 million year on year to ¥13,521 million, owing to increases in fees and commissions on domestic and foreign exchanges, direct debit fees, and card-related fees, because more individual customers use their accounts with the Company as their primary bank accounts in line with the increase in the number of accounts. Other operating income decreased by ¥163 million year on year to ¥1,140 million mainly due to a decrease in income pertaining to foreign currency deposits and income pertaining to the Company’s new term deposits (structured deposits). Moreover, Rakuten International Commercial Bank in Taiwan recorded ordinary income of ¥1,571 million, an increase of ¥500 million year on year. On the other hand, consolidated ordinary expenses totaled ¥48,216 million, an increase of ¥14,655 million year on year. Among ordinary expenses, interest expenses increased by ¥8,280 million year on year to ¥19,344 million, mainly due to the growth in deposit balances and the rise in deposit interest rates, which resulted from increases in the Company’s ordinary deposit interest rates implemented in February 2026. Fees and commissions payments increased by ¥161 million year on year to ¥8,549 million due to factors such as an increase in fees and commissions on domestic and foreign exchanges, despite a decrease in loan guarantee expenses for external guaranteed card loans. General and administrative expenses increased by ¥3,725 million year on year to ¥16,752 million owing mainly to increases in personnel expenses, amortization of software, outsourcing expenses, and advertising expenses. Rakuten International Commercial Bank recorded ordinary expenses of ¥2,525 million, an increase of ¥625 million year on year. As a result, consolidated ordinary profit totaled ¥30,209 million, an increase of ¥6,265 million year on year, and profit attributable to owners of parent totaled ¥20,965 million, an increase of ¥4,130 million year on year. Since the Group consists of a single segment of the banking business, information on operating results, etc. by segment is omitted. (2) Overview of the Financial Position With regard to assets as of June 30, 2026, loans and bills discounted amounted to ¥6,117,153 million, an increase of ¥174,082 million from the end of the previous fiscal year, owing to increases in the balances of investment property loans, affiliated loans, and other loans. Monetary claims bought amounted to ¥3,243,268 million, an increase of ¥44,600 million from the end of the previous fiscal year, due to increases in the balance of securitized assets related to credit card receivables of Rakuten Card Co., Ltd. and other items. Securities amounted to ¥2,242,682 million, a decrease of ¥82,122 million from the end of the previous fiscal year due to a decrease in the balance of short-term corporate bonds. Cash and due from banks amounted to ¥3,759,512 million, a decrease of ¥380,045 million from the end of the previous fiscal year. As a result, total assets amounted to ¥16,486,390 million, having decreased by ¥105,749 million from the end of the previous fiscal year. As for liabilities, ordinary deposits were ¥11,063,903 million, an increase of ¥293,642 million from the end of the previous fiscal year due to growth in the number of accounts and because more individual customers use their accounts with the Company as their primary accounts. Term deposits were ¥2,376,508 million, an increase of ¥196,988 million from the end of the previous fiscal year. In addition, borrowed money amounted to ¥2,234,500 million, a decrease of ¥578,000 million
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Rakuten Bank, Ltd. Consolidated Financial Results for the Three Months Ended June 30, 2026 4 from the end of the previous fiscal year, reflecting the Company’s use of funds supplied by the BOJ to support increased lending and climate change response. As a result, total liabilities amounted to ¥16,068,095 million, having decreased by ¥134,513 million from the end of the previous fiscal year. As for net assets, share capital amounted to ¥32,660 million, an increase of ¥17 million from the end of the previous fiscal year, and capital surplus was ¥10,587 million, an increase of ¥17 million from the end of the previous fiscal year. Retained earnings increased by ¥20,965 million from the end of the previous fiscal year to ¥365,970 million due to the recording of profit attributable to owners of parent. As a result, total net assets amounted to ¥418,294 million, having increased by ¥28,764 million from the end of the previous fiscal year. (3) Explanation of Consolidated Financial Forecasts and Other Forward-Looking Statements In light of the most recent operating trends, revisions have been made to the consolidated financial forecasts for the fiscal year ending March 31, 2027, announced on May 12, 2026. For details, please refer to the “Notice Concerning Revisions to Financial Results Forecasts” released today.
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Rakuten Bank, Ltd. Consolidated Financial Results for the Three Months Ended June 30, 2026 5 2. Quarterly Consolidated Financial Statements (1) Quarterly Consolidated Balance Sheets (Millions of yen) As of March 31, 2026 As of June 30, 2026 Assets Cash and due from banks 4,139,558 3,759,512 Call loans 302,000 401,000 Cash collateral provided for securities borrowed 390,286 394,151 Monetary claims bought 3,198,668 3,243,268 Securities 2,324,804 2,242,682 Loans and bills discounted 5,943,070 6,117,153 Foreign exchanges 4,328 5,643 Other assets 210,745 240,407 Tangible fixed assets 5,037 5,076 Intangible fixed assets 40,885 43,024 Deferred tax assets 23,111 23,344 Customers' liabilities for acceptances and guarantees 19,206 21,520 Allowance for loan losses (9,564) (10,394) Total assets 16,592,139 16,486,390 Liabilities Deposits 13,046,850 13,541,517 Negotiable certificates of deposit 7,428 15,316 Call money 28,227 24,250 Cash collateral received for securities lent 9,286 7,061 Borrowed money 2,812,500 2,234,500 Foreign exchanges 6,890 7,292 Other liabilities 269,607 214,394 Provision for bonuses 832 402 Provision for bonuses for directors (and other officers) 6 1 Retirement benefit liability 1,755 1,832 Provision for reimbursement of deposits 17 7 Acceptances and guarantees 19,206 21,520 Total liabilities 16,202,609 16,068,095 Net assets Share capital 32,643 32,660 Capital surplus 10,570 10,587 Retained earnings 345,004 365,970 Treasury shares (0) (0) Total shareholders' equity 388,217 409,217 Valuation difference on available-for-sale securities (23,111) (22,864) Deferred gains or losses on hedges 63 (330) Foreign currency translation adjustment 6,144 6,713 Remeasurements of defined benefit plans 8 6 Total accumulated other comprehensive income (16,895) (16,474) Share acquisition rights 751 877 Non-controlling interests 17,455 24,673 Total net assets 389,529 418,294 Total liabilities and net assets 16,592,139 16,486,390
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Rakuten Bank, Ltd. Consolidated Financial Results for the Three Months Ended June 30, 2026 6 (2) Quarterly Consolidated Statements of Income and Comprehensive Income (Quarterly Consolidated Statements of Income) (Millions of yen) Three months ended June 30, 2025 Three months ended June 30, 2026 Ordinary income 57,504 78,425 Interest income 43,612 63,095 Interest on loans and discounts 21,886 30,679 Interest and dividends on securities 5,612 8,280 Fees and commissions 11,967 13,521 Other operating income 1,304 1,140 Other ordinary income 181 166 Trust fees 437 501 Ordinary expenses 33,561 48,216 Interest expenses 11,064 19,344 Interest on deposits 7,725 14,838 Fees and commissions payments 8,388 8,549 Other operating expenses ― 366 General and administrative expenses 13,027 16,752 Other ordinary expenses 1,080 3,202 Ordinary profit 23,943 30,209 Extraordinary income ― 0 Gain on reversal of share acquisition rights ― 0 Extraordinary losses ― 2 Loss on disposal of non-current assets ― 2 Profit before income taxes 23,943 30,207 Income taxes - current 7,648 9,652 Income taxes - deferred (203) (49) Total income taxes 7,445 9,603 Profit 16,498 20,604 Loss attributable to non-controlling interests (336) (361) Profit attributable to owners of parent 16,835 20,965
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Rakuten Bank, Ltd. Consolidated Financial Results for the Three Months Ended June 30, 2026 7 (Quarterly Consolidated Statements of Comprehensive Income) (Millions of yen) Three months ended June 30, 2025 Three months ended June 30, 2026 Profit 16,498 20,604 Other comprehensive income Valuation difference on available-for-sale securities 2,255 195 Deferred gains or losses on hedges 353 (393) Foreign currency translation adjustment 3,073 1,138 Remeasurements of defined benefit plans, net of tax (3) (2) Total other comprehensive income 5,679 938 Comprehensive income 22,177 21,542 Comprehensive income attributable to Comprehensive income attributable to owners of parent 20,954 21,387 Comprehensive income attributable to non-controlling interests 1,223 155
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Rakuten Bank, Ltd. Consolidated Financial Results for the Three Months Ended June 30, 2026 8 (3) Notes to Quarterly Consolidated Financial Statements (Notes on segment information, etc.) Although the Group is engaged in some non -banking businesses, these businesses are not significant in terms of volume, and the reportable segment is the banking business only, and therefore, this information is omitted. (Notes on a substantial change in the amount of shareholders’ equity) Not applicable. (Notes on going concern assumption) Not applicable. (Notes on statements of cash flows) No quarterly consolidated statements of cash flows have been prepared for the three months ended June 30, 2026. Depreciation (including amortization of intangible fixed assets other than goodwill) for the three months ended June 30 is as shown below. Three months ended June 30, 2025 Three months ended June 30, 2026 Depreciation ¥1,788 million ¥2,288 million (end)
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August 6, 2026 Supplementary Materials for the First Quarter of the FY2026 Note: This document has been translated from the Japanese original for reference purposes only. In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.
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Table of Contents Supplementary Materials for the First Quarter of the FY2026 1. Income Analysis (Non-consolidated) .................................................................................................... 1 2. Disclosure Based on the Categories of the Financial Revitalization Act (Non -consolidated) ··· 2 3. Consolidated Capital Adequacy Ratios (Japanese Domestic Standard) ······································ 2 4. Non-consolidated Capital Adequacy Ratios (Japanese Domestic Standard) ······························· 2 5. Consolidated Return on Equity (ROE) ················································································· 2 6. Securities (Consolidated) ·································································································· 3 7. Derivative Transactions (Consolidated) ················································································ 5 8. Interest Spread (Non-consolidated) ····················································································· 7 9. Deposits (Non-consolidated) ····························································································· 8 10. Time Deposits by Maturity (Non-consolidated)······································································· 8 11. General and Administrative Expenses (Non-consolidated) ······················································· 8
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1 1. Income Analysis (Non -consolidated) (Note) 1. (2) Gross Operating Profit = (3) Net Interest Income +(4) Net Fees and Commissions +(5) Net Other Operating income 2. (11) Net Operating Profit before Provision of Allowance for Loan Losses =(2) Gross Operating Profit －(7) General and Administrative Expenses 3. (13) Net Operating Profit = (2) Gross Operating Profit －(7) General and Administrative Expenses －(12) Provision of General Allowance for Loan Losses 4. (14) Core Net Operating Profit = (13) Net Operating Profit －(6) Net Gains (Losses) on Bonds +(12) Provision of General Allowance for Loan Losses 5. (32) OHR = (7) General and Administrative Expenses / (2) Gross Operating Profit (Millions of yen) No. FY2026 FY2025 Q1 YoY Q1 Ordinary Income 1 76,438 20,616 55,821 Gross Operating Profit 2 49,051 11,943 37,108 Net Interest Income 3 43,348 11,099 32,248 Net Fees and Commissions 4 4,929 1,377 3,551 Net Other Operating Income 5 773 (534) 1,308 Net Gains (Losses) on Bonds 6 － － － General and Administrative Expenses (excluding Non-recurring Losses) 7 (15,453) (3,434) (12,019) Personnel Expenses 8 (2,782) (324) (2,458) Non-personnel Expenses 9 (11,396) (2,813) (8,582) Taxes 10 (1,275) (296) (978) Net Operating Profit before Provision of Allowance for Loan Losses 11 33,597 8,508 25,088 Provision of General Allowance for Loan Losses 12 (203) (47) (156) Net Operating Profit 13 33,393 8,461 24,931 Core Net Operating Profit 14 33,597 8,508 25,088 Net Non-recurring Gains (Losses) 15 (2,502) (1,815) (687) Write-Off of Loans 16 (221) (36) (184) Provision of Specific Allowance for Loan Losses 17 (641) (45) (596) Other Disposal of Non-performing Loans 18 － 0 (0) Gains on Recoveries of Written-Off Claims 19 4 2 1 Other Non-recurring Gains (Losses) 20 (1,643) (1,735) 91 Ordinary Profit 21 30,891 6,646 24,244 Net Extraordinary Gains (Losses) 22 (1) (1) － Income before Income Taxes 23 30,889 6,644 24,244 Income Taxes 24 (9,716) (2,311) (7,405) Net Income 25 21,172 4,333 16,839 Total Credit Cost 26 (1,062) (126) (936) Provision of General Allowance for Loan Losses 27 (203) (47) (156) Write-Off of Loans 28 (221) (36) (184) Provision of Specific Allowance for Loan Losses 29 (641) (45) (596) Other Disposal of Non-performing Loans 30 － 0 (0) Gains on Recoveries of Written-Off Claims 31 4 2 1 OHR 32 31.5% (0.8)pp 32.3%
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2 2. Disclosure Based on the Categories of the Financial Revitalization Act (Non -consolidated) (Millions of yen) June 2025 June 2026 March 2026 Bankrupt and Practically Bankrupt Claims － － － Doubtful Claims 2,504 4,033 3,773 Claims Requiring Close Watch 3,033 4,189 3,816 Normal Claims 4,800,686 5,991,063 5,843,329 Total 4,806,224 5,999,286 5,850,920 (Note) The above is based on the categories of the Financial Revitalization Act . 3. Consolidated Capital Adequacy Ratio (Japanese Domestic Standard) (Millions of yen) June 2025 June 2026 March 2026 Capital Adequacy Ratio 10.68% 11.38% 10.74% Total Capital 325,001 398,657 376,273 Total Required Capital 121,706 140,082 140,134 (Note) Disclosed based on Financial Service Agency Public Notice No. 7 (2014). 4. Non-consolidated Capital Adequacy Ratio (Japanese Domestic Standard) (Millions of yen) June 2025 June 2026 March 2026 Capital Adequacy Ratio 10.86% 11.69% 11.01% Total Capital 315,107 388,328 368,249 Total Required Capital 115,969 132,842 133,764 (Note) Disclosed based on Financial Service Agency Public Notice No. 7 (2014). 5. Consolidated Return on Equity (ROE) FY2024 FY2025 Consolidated ROE (Return on Equity) 18.0% 21.7% (Note) Return on Equity = Profit Attributable to Owners of Parent for the Period / Average of the Balance of Own Capital at the Beginning and End of the Period. Own Capital = Total Net Assets – Stock Acquisition Rights – Non-controlling Interests
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3 6. Securities (Consolidated) (Note) Includes trust beneficiary rights within “monetary claims bought” in addition to “securities” in the quarterly consolidated balance sheets. (i) Held -To Maturity Debt Securities FY202 5 (March 31, 202 6) (Millions of yen) Type Consolidated Balance Sheet Amount Fair Value Unrealized Gains/Losses Securities with Fair Value Exceeding Consolidated Balance Sheet Amount Japanese Government Bonds － － － Japanese Municipal Bonds － － － Short-Term Corporate Bonds － － － Corporate Bonds － － － Others － － － Subtotal － － － Securities with Fair Value Not Exceeding Consolidated Balance Sheet Amount Japanese Government Bonds 615,707 575,240 (40,467) Japanese Municipal Bonds － － － Short-Term Corporate Bonds － － － Corporate Bonds 917,183 889,263 (27,919) Others － － － Subtotal 1,532,891 1,464,504 (68,386) Total 1,532,891 1,464,504 (68,386) Q1 FY202 6 (June 30 , 202 6) (Millions of yen) Type Quarterly Consolidated Balance Sheet Amount Fair Value Unrealized Gains/Losses Securities with Fair Value Exceeding Quarterly Consolidated Balance Sheet Amount Japanese Government Bonds － － － Japanese Municipal Bonds － － － Short-Term Corporate Bonds － － － Corporate Bonds 17,100 17,137 37 Others － － － Subtotal 17,100 17,137 37 Securities with Fair Value Not Exceeding Quarterly Consolidated Balance Sheet Amount Japanese Government Bonds 595,328 554,574 (40,754) Japanese Municipal Bonds － － － Short-Term Corporate Bonds － － － Corporate Bonds 919,137 890,202 (28,934) Others － － － Subtotal 1,514,465 1,444,777 (69,688) Total 1,531,565 1,461,914 (69,651)
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4 (ii) Other Securities FY202 5 (March 31, 202 6) (Millions of yen) Type Consolidated Balance Sheet Amount Acquisition Cost Unrealized Gains/Losses Securities with Consolidated Balance Sheet Amount Exceeding Acquisition Costs Equity Securities － － － Bonds 49,875 49,875 0 Japanese Government Bonds － － － Japanese Municipal Bonds － － － Short-Term Corporate Bonds 49,875 49,875 0 Corporate Bonds － － － Others 275,884 275,574 310 Foreign Bonds 223,779 223,539 239 Others 52,105 52,034 70 Subtotal 325,760 325,450 310 Securities with Consolidated Balance Sheet Amount Not Exceeding Acquisition Costs Equity Securities － － － Bonds 212,825 226,533 (13,707) Japanese Government Bonds 111,520 122,973 (11,453) Japanese Municipal Bonds － － － Short-Term Corporate Bonds 29,916 29,916 (0) Corporate Bonds 71,389 73,643 (2,254) Others 666,749 687,204 (20,454) Foreign Bonds 290,690 291,396 (705) Others 376,059 395,808 (19,748) Subtotal 879,575 913,737 (34,162) Total 1,205,336 1,239,187 (33,851) Q1 FY202 6 (June 30 , 202 6) (Millions of yen) Type Quarterly Consolidated Balance Sheet Amount Acquisition Cost Unrealized Gains/Losses Securities with Quarterly Consolidated Balance Sheet Amount Exceeding Acquisition Costs Equity Securities － － － Bonds － － － Japanese Government Bonds － － － Japanese Municipal Bonds － － － Short-Term Corporate Bonds － － － Corporate Bonds － － － Others 436,793 436,053 740 Foreign Bonds 375,090 374,482 608 Others 61,702 61,571 131 Subtotal 436,793 436,053 740 Securities with Quarterly Consolidated Balance Sheet Amount Not Exceeding Acquisition Costs Equity Securities － － － Bonds 177,892 192,735 (14,842) Japanese Government Bonds 111,261 122,848 (11,587) Japanese Municipal Bonds － － － Short-Term Corporate Bonds － － － Corporate Bonds 66,631 69,886 (3,254) Others 504,218 523,660 (19,442) Foreign Bonds 141,443 141,902 (459) Others 362,775 381,758 (18,983) Subtotal 682,111 716,396 (34,284) Total 1,118,904 1,152,449 (33,544)
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5 7. Derivative Transactions (Consolidated) (i) Interest Rate -Related Transactions FY202 5 (March 31, 202 6) (Millions of yen) Category Type Notional Amount Fair Value Unrealized Gains/Losses Total Over 1 Year OTC Interest Rate Swaption Sold 167,385 167,385 (34,552) (34,552) Purchased 167,224 167,224 34,489 34,489 Total － － (63) (63) (Note) 1. The above is based on a mark-to-market valuation and has been recorded on the consolidated statements of income. Derivative transactions to which hedge accounting is applied based on the rules of the “Accounting and Auditing Treatment of Accounting Standard for Financial Instruments in the Banking Industry” (Japanese Institute of Certified Public Accountants (“JICPA”) Industry Committee Practical Guideline No. 24, March 17, 2022,) etc. are not included in the above. 2. Interest swaps include interest swaption transactions which are difficult to differentiate for our bank. Q1 FY202 6 (June 30 , 202 6) (Millions of yen) Category Type Notional Amount Fair Value Unrealized Gains/Losses Total Over 1 Year OTC Interest Rate Swaption Sold 167,559 167,559 (38,839) (38,839) Purchased 167,276 167,276 38,735 38,735 Total － － (104) (104) (Note) 1. The above is based on a mark-to-market valuation and has been recorded on the quarterly consolidated statements of income. Derivative transactions to which hedge accounting is applied based on the rules of the “Accounting and Auditing Treatment of Accounting Standard for Financial Instruments in the Banking Industry” (Japanese Institute of Certified Public Accountants (“JICPA”) Industry Committee Practical Guideline No. 24, March 17, 2022,) etc. are not included in the above. 2. Interest swaps include interest swaption transactions which are difficult to differentiate for our bank.
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6 (ii) Foreign Currency -Related Transactions FY202 5 (March 31, 202 6) (Millions of yen) Category Type Notional Amount Fair Value Unrealized Gains/Losses Total Over 1 Year OTC Forward Exchange Contracts Sold 711,117 170 6,435 6,435 Purchased 778,909 1,367 (1,469) (1,469) Currency Options Sold 83 － (0) (0) Purchased 83 － 0 0 Currency Swaps 12,204 － (4,842) (4,842) Total － － 123 123 (Note) The above is based on a mark-to-market valuation and has been recorded on the consolidated statements of income. Currency swap transactions, etc., to which hedge accounting is applied and those attached to foreign currency-denominated monetary claims and obligations, etc., that are reflected in the consolidated balance sheets of the relevant foreign currency- denominated monetary claims and obligations, etc., or foreign currency-denominated monetary claims and obligations, etc. that are eliminated in consolidation based on the rules of the “Accounting and Auditing Concerning Accounting for Foreign Currency Transactions in Banking Industry” (JICPA Industry Committee Practical Guidance No. 25, October 8, 2020,) etc. are not included in the above. Q1 FY202 6 (June 30 , 202 6) (Millions of yen) Category Type Notional Amount Fair Value Unrealized Gains/Losses Total Over 1 Year OTC Forward Exchange Contracts Sold 511,620 168 2,559 2,559 Purchased 4504,404 1,390 2,424 2,424 Currency Options Sold 104 － (0) (0) Purchased 104 － 0 0 Currency Swaps 43,518 － (6,463) (6,463) Total － － (1,479) (1,479) (Note) The above is based on a mark-to-market valuation and has been recorded on the quarterly consolidated statements of income. Currency swap transactions, etc., to which hedge accounting is applied and those attached to foreign currency- denominated monetary claims and obligations, etc., that are reflected in the quarterly consolidated balance sheets of the relevant foreign currency-denominated monetary claims and obligations, etc., or foreign currency-denominated monetary claims and obligations, etc. that are eliminated in consolidation based on the rules of the “Accounting and Auditing Concerning Accounting for Foreign Currency Transactions in Banking Industry” (JICPA Industry Committee Practical Guidance No. 25, October 8, 2020,) etc. are not included in the above. (iii) Bond-Related Transactions FY2025 (March 31, 2026) Not applicable Q1 FY2026 (June 30, 2026) Not applicable
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7 8. Interest Spread (Non-consolidated) (%) No. Fiscal Year Ended Mar. 31, 2026 Three Months Ended Jun. 30, 202 5 Three Months Ended Sep. 30, 202 5 Three Months Ended Dec. 31, 202 5 Three Months Ended Mar. 31, 202 6 Cumulative Yield on Interest Earning Assets 1 1.16 1.15 1.23 1.37 1.23 Interest Earned on Loans and Bills Discounted 2 1.76 1.77 1.81 1.84 1.80 Interest Earned on Monetary Claims Bought 3 1.24 1.23 1.33 1.55 1.34 Interest Earned on Securities 4 1.11 1.20 1.26 1.29 1.22 Total Cost of Funding (Including Expenses) 5 0.62 0.65 0.66 0.78 0.68 Cost of Interest-Bearing Liabilities 6 0.28 0.32 0.32 0.42 0.33 Interest Paid on Deposits 7 0.24 0.26 0.27 0.38 0.29 Overall Interest Spread (1) -(5) 8 0.54 0.50 0.57 0.59 0.55 Interest Spread (1)-(6) 9 0.88 0.83 0.91 0.95 0.90 Reference: After Deducting Loans to the Japanese Government, etc . Interest Earned on Loans and Bills Discounted 10 2.30 2.27 2.37 2.44 2.35 No. Fiscal Year Ended Mar. 31, 2027 YoY Change for Q1 Period Three Months Ended Jun. 30, 202 6 Three Months Ended Sep. 30, 202 6 Three Months Ended Dec. 31, 202 6 Three Months Ended Mar. 31, 202 7 Cumulative Yield on Interest Earning Assets 1 1.50 － － － 1.50 +0.34 Interest Earned on Loans and Bills Discounted 2 2.04 － － － 2.04 +0.28 Interest Earned on Monetary Claims Bought 3 1.65 － － － 1.65 +0.41 Interest Earned on Securities 4 1.36 － － － 1.36 +0.25 Total Cost of Funding (Including Expenses) 5 0.84 － － － 0.84 +0.22 Cost of Interest -Bearing Liabilities 6 0.46 － － － 0.46 +0.18 Interest Paid on Deposits 7 0.42 － － － 0.42 +0.18 Overall Interest Spread (1) -(5) 8 0.66 － － － 0.66 +0.12 Interest Spread (1)-(6) 9 1.04 － － － 1.04 +0.16 Reference: After Deducting Loans to the Japanese Government, etc. Interest Earned on Loans and Bills Discounted 10 2.60 － － － 2.60 +0.30
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8 9. Deposits (Non-consolidated) (Millions of yen) June 2025 June 2026 March 202 6 Ordinary Deposits 10,532,616 11,022,837 10,804,087 Time Deposits 1,092,574 2,241,664 2,063,318 Other Deposits 103,028 101,105 97,069 Total 11,728,220 13,365,606 12,964,475 10. Time Deposits by Maturity (Non -consolidated) (Millions of yen) 1 Year or Less Over 1 Year 2 Years or Less Over 2 Years 3 Years or Less Over 3 Years Total June 2025 921,008 152,464 5,786 13,315 1,092,574 June 2026 2,165,173 46,787 12,106 17,597 2,241,664 March 2026 1,957,632 82,053 7,283 16,348 2,063,318 11. General and Administrative Expenses (Non -consolidated) (Millions of yen) Q1 FY202 5 Q1 FY202 6 FY2025 Personnel Expenses 2,458 2,782 9,460 Non-personnel Expenses 8,582 11,396 38,917 Depreciation and Amortization Expenses 1,551 1,964 6,828 Tax and Due 978 1,275 4,127 Total 12,019 15,453 52,505 (end)