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Mebuki Financial Group Financial Results for the First Quarter of FY2026 MEBUKI Financial Group August 5 , 2026
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1 Contents DataFinancial Results for 1Q261 2 (1) Highlights 3 (2) 1Q26 Financial Results 4 (3) Change of Ordinary Profit 5 (4) Consolidated Net Income / Core Net Business Income 6 (5) Loans 7-8 (6) Average Yield of Loans / Net Interest Income 9 (7) Deposits 10 (8) Assets under Custody 11 (9) Fees from Corporate Customers 12 (10) Securities 13-14 (11) Strategic Share Holdings 15 (12) Expenses / OHR 16 (13) Credit Related Costs 17 (14) Status of Non-performing Loans and Delinquent Loans 18 (15) Shareholder Returns / Capital Adequacy Ratio 19 (16) Forecast for FY2026 20-21 Breakdown of Banking Subsidiaries 23-29 ＊Unless otherwise mentioned, figures are based on banking subsidiaries (non consolidated-basis). ＊The number used for the year is based on western calendar.
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2 1 Financial Results for 1Q26
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3 1 （1） Highlights Results for 1Q26 YoY Change Progress Net income attributable to owners of the parent Consolidated ¥34.5bn +¥12.2bn Initial (¥95.0bn) 36.3% Revised (¥105.0bn) 32.8% Core net business income*1 Banks’ total ¥37.3bn +¥8.8bn － ( o/w Difference of interests between loans and deposits ) ( o/w Fees from customers ) ( o/w Securities income*2 ) ( o/w Expenses (-) ) (¥34.4bn) (¥12.8bn) (¥19.9bn) (¥29.8bn) (+¥4.7bn) (+¥1.3bn) (+¥4.2bn) (+¥1.4bn) － － － － Gains/losses on securities*3 Credit related costs ¥11.7bn ¥1.8bn +¥7.7bn -¥0.6bn － － Results for 1Q26 *1 Excluding gains/losses on cancellation of investment trusts and futures and options *2 Excluding gains/losses on cancellation of investment trusts and including interest on BOJ deposits *3 Gains/losses on “Bond transactions +Related to stocks + Cancellation of investment trusts + Futures and options” Net income attributable to owners of the parent increased by ¥12.2bn YoY to ¥34.5bn, achieving the highest profit for the first quarter since business integration. While increasing in total expenses by the investment in human capital, etc., the expansion of difference of interests between loans and deposits capturing the rise in domestic interest rates and the increase in securities income, etc. have driven profit growth. Forecast for FY26 (revised on August 5, 2026) Initial Forecast (announced in May 2026) Revised Forecast (announced in Aug. 2026) Compared to Initial Forecast Ordinary profit Net income attributable to owners of the parent Consolidated ¥139.0bn ¥95.0bn ¥153.5bn ¥105.0bn +¥14.5bn +¥10.0bn ROE (based on net assets) approx. 9.0% approx. 9.5% approx.+0.5%pt Annual Dividends per Share (Payout Ratio) ¥40 (39.5%) ¥44 (39.3%) +¥4 (-0.2%pt)
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4 (\bn) YoY chg Progress Gross business profit 48.0 -6.8 - Net interest income 54.9 +9.3 - (o/w Gains/losses on cancellation of investment trusts)(1) (0.5) (+0.3) - Net interest income (excl.Gains/losses on cancellation of investment trusts) 54.3 +8.9 (o/w Difference of interests between loans and deposits(2)) (34.4) (+4.7) - (o/w Securities Income*2 ) (19.9) (+4.2) - Net fees and commissions(3) 11.4 +0.9 - Net other business income -18.3 -17.1 - (o/w gains/losses on bond transactions) (4) (-19.6) (-16.0) - (o/w gains/losses on futures and options) (5) (-0.0) (-1.5) - (o/w other income related to customers) (6) (1.3) (+0.4) - Expenses(7) 29.8 +1.4 - 18.2 -8.3 - Core net business income 37.9 +7.7 - (excl. gains/losses on cancellation of investment trusts) 37.3 +7.3 - 37.3 +8.8 - Net transfer to general allowance for loan losses (8) -0.1 +0.2 - Net business income 18.4 -8.5 - Net non-recurrent gains/losses 30.2 +26.4 - (o/w Disposal of non-performing loans (9)) (1.9) (-0.9) - (o/w Gains/losses related to stocks, etc. (10)) (30.8) (+24.9) - Ordinary profit 48.7 +17.8 32.4% Extraordinary income/losses -0.0 -0.0 Net income 33.7 +11.9 32.7% Profit from customer services (2)+(3)+(6)-(7) 17.4 +4.6 Credit related cost (8)+(9) 1.8 -0.6 Gains/losses on securities*3 (1)+(4)+(5)+(10) 11.7 +7.7 1Q26 Results【Joyo + Ashikaga (Non-consolidated)】 Net business income (before general allowance for loan losses) Core net business income (excl. gains/losses on cancellation of investment trusts and futures and options) 1 （2） Main Points of 1Q26 Financial Results (\bn) YoY Chg Progress Gross Business profit 50.4 -6.5 - 資金利益Net interest income 54.7 +9.3 - (o/w Difference of interests betw een loans and deposits) (35.2) (+4.9) - 資金利益Net fees and commissions 13.9 +1.2 - Net trading income 0.0 -0.1 - Net other business income -18.4 -17.0 - Expenses 29.5 +0.9 - Credit related cost 2.3 -0.4 - Gains/losses related to stocks 30.6 +25.1 - Ordinary profit 49.8 +18.1 32.4% Extraordinary income/losses -0.0 -0.0 - 34.5 +12.2 32.8% YoY Bank Total Net income (a) 33.7 +11.9 Group Companies Net income (b) 1.7 -0.9 Mebuki Lease 0.2 -0.0 Mebuki Securities 0.2 +0.1 Mebuki Credit Guarantee 1.0 -1.1 Mebuki Card 0.0 -0.0 Total of banking subsidiaries 0.1 +0.0 Consolidation Adjustment*1 （c） -1.0 +1.3 34.5 +12.2 *1 Adjustments related to securities, etc. *2 Excl. gains/losses on cancelation of investment trusts, and incl. interest on Bank of Japan *3 Gains/losses on bond transactions +related to stocks + cancellation of investment trusts + futures and options 【Mebuki FG (Consolidated)】 1Q26 Results Net income attributable to owners of the parent 1Q26 Results Net income attributable to owners of the parent （a）+（b）+（c） Mebuki FG (Consolidated) Joyo + Ashikaga (Non-consolidated)
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5 The expansion of difference of interests between loans and deposits capturing the rise in domestic interest rates and the increase in securities income due to the maintenance effect of our securities portfolio, etc., have led to increase core net business income (+¥8.8bn, YoY). In addition, ordinary profit (bank total) increased by ¥17.8 bn (YoY) due to the increase in gains/losses on securities, etc. 1 （3） Change of Ordinary Profit (Bank total / non-consolidated) Ordinary Profit 30.8 Difference of interests between loans and deposits +4.7 Ordinary Profit 48.7 1Q25 1Q26 Fees from customers +1.3 Gains/ losses on securities*2 +7.7 Security Margins +4.2 Credit related costs (-) -0.6 Net non- recurrent gains/ Losses*3 +0.6 YoY +17.8 Expenses (-) +1.4 Year-on-Year Changes of Ordinary Profit (Bank total) (¥bn) Factors of Increase / Decrease in Main Items (¥bn) *1 Excluding gains/losses on cancellation of investment trusts and futures and options *2 Gains/losses on “Bond transactions +Related to stocks + Cancellation of investment trusts + Futures and options” *3 Decrease in retirement benefit expenses, etc. Increase Decrease Core net business income*1 +¥8.8bn Items Breakdown Increase / Decrease Difference of interests between loans and deposits +4.7 Yen denominated loans Foreign currency denominated loans Loans to special account of MoF Yen denominated deposits(-) Foreign currency denominated deposits(-) +9.2 -0.0 +0.9 +5.6 -0.1 Fees from customers +1.3 Fees from corporate customers (incl. derivatives CVA) Customer assets related (excl. Mebuki Securities) Individual loans related fees EB / Internet banking related fees Group life insurance related fees (-) -0.0 +1.3 +0.2 -0.0 +0.2 Security margins +4.2 Interest and dividend on securities (Yen denominated) (Foreign currency denominated) Market borrowings, etc. (Yen denominated) (-) (Foreign currency denominated) (-) Interest on Bank of Japan deposits +2.0 -0.0 -0.0 -1.1 +1.1 Gains/losses on securities +7.7 Bond transactions Related to stocks Cancelations of Investment trusts Futures and options -16.0 +24.9 +0.3 -1.5
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6 1 （4） Consolidated Net Income / Core Net Business Income Consolidated net income increased by ¥12.2bn YoY to ¥34.5bn, achieving a record high for the first quarter since business integration. Core net business income increased by ¥8.8bn YoY to ¥37.3bn due to the expansion of difference of interests between loans and deposits and the increase in securities income. 15.3 15.6 18.3 22.2 34.5 6.5% 6.7% 7.5% 9.1% 12.6% '22/1Q '23/1Q '24/1Q '25/1Q '26/1Q +1.4 +4.7 +1.3 +4.2YoY +12.2 （53.3％） （59.2％） （54.4％） （49.8％） （44.3％） +8.8 Changes of Consolidated Net Income / ROE (¥ bn) Changes of Core Net Business Income*1(Bank total) (¥ bn) ROE (based on net assets) FG consolidated net income Core net business income*1 Difference of interests between loans and deposits Securities income*2 Expenses(-) Profit from customer services （Core OHR*3） Strengthening human capital and strategic investments Enhancing loan balance / Rising yields Increase in fees related to customer assets under custody Portfolio replacement effect 25.9 27.8 28.7 29.7 34.4 10.2 9.8 12.0 11.5 12.8 13.4 7.1 8.8 15.6 19.9 -26.4 -26.6 -27.0 -28.3 -29.8 23.1 18.2 22.6 28.5 37.3 '22/1Q '23/1Q '24/1Q '25/1Q '26/1Q *1 Excluding gains/losses on cancellation of investment trusts and futures and options *2 Excluding gains/losses on cancellation of investment trusts *3 Based on Core Gross Business Profit (Excluding gains/losses on cancellation of investment trusts and futures and options)
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7 914.6 1,029.6 964.9 1,077.1 1,026.9 1,117.7 1,055.8 5,142.5 5,214.3 5,227.3 5,321.2 5,333.1 5,454.6 5,475.1 5,717.0 6,099.4 6,174.9 6,620.8 6,657.0 7,035.6 6,994.9 11,774.3 12,343.4 12,367.2 13,019.3 13,017.1 13,608.1 13,525.9 Jun-23 FYE23 Jun-24 FYE24 Jun-25 FYE25 Jun-26 Corporate Individual Public Amount of loans increased by ¥508.7bn (YoY) and the growth was +3.9%(annualized). Loans to corporate customers maintained a high growth rate, while loans to individual customers also showed steady progress. Difference of domestic interests between deposits and loans increased by ¥4.7bn due to an increase in loan interest (average balance +¥545.5bn, yield +23.3bp) that exceeds the interest paid on deposits. 1 （5） Loans －Term-end Balance－ Jun-24 Jun-25 Jun-26 Total +592.8 +5.0% +649.9 +5.2% +508.7 +3.9% Corporate +457.8 +8.0% +482.1 +7.8% +337.9 +5.0% Individual +84.8 +1.6% +105.7 +2.0% +141.9 +2.6% Public +50.2 +5.4% +62.0 +6.4% +28.9 +2.8% -0.6 -0.5 +0.3 +6.4 +7.5 +0.1 +1.2 +1.1 +1.7 +1.6 +0.0 +0.3 +0.9 +0.0 +0.0 -0.6 -7.0 -5.6 -0.5 +0.6 +0.9 +1.4 +4.6 '22/1Q '23/1Q '24/1Q '25/1Q '26/1Q Loan yield factor Loan average balance factor Domestic loan factor Deposit factor YoY Yield Average Balance +¥545.5bn +23.3bp +¥508.7bn +3.9% +¥649.9bn +5.2%+¥592.8bn +5.0% Term-end Balance *1 (Bank total) (¥bn) ＊1 Not including loans to special account of MoF Year on Year Changes (¥bn) 795.1 466.2 211.1 340.0 230.0 548.7 517.3 12,569.4 12,809.6 12,578.3 13,359.3 13,247.1 14,156.8 14,043.3 Loans to special account of MoF (¥bn) Total loans (¥bn) YoY Change in Difference of Domestic Interests between Loans and Deposits (¥bn)
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8 Loans to individual customers maintained an increasing trend both in housing related loans and in unsecured loans. In particular, unsecured loans continue to maintain a high growth rate in the range of +10% (annualized). The growth rate of loans to corporate customers was +5.0%. Capturing strong demand for funds, the loan balance has increased regardless of corporate size or area. 1 （5） Loans －Corporate / Individual－ 3,981.8 4,049.4 4,064.5 4,148.7 4,160.3 4,270.6 4,292.4 838.9 823.4 816.5 805.0 799.9 792.3 784.01.8 1.6 1.5 1.2 1.1 1.0 0.9 4,822.6 4,874.5 4,882.5 4,955.1 4,961.4 5,064.0 5,077.4 Jun-23 FYE23 Jun-24 FYE24 Jun-25 FYE25 Jun-26 82.5 95.7 99.6 113.6 116.9 128.5 132.9 51.1 55.8 57.9 62.2 64.4 68.4 70.0 10.0 10.8 10.8 10.9 11.0 11.4 11.4 67.1 70.1 71.4 75.4 77.2 81.4 83.4210.9 232.5 240.0 262.3 269.8 289.7 297.8 Jun-23 FYE23 Jun-24 FYE24 Jun-25 FYE25 Jun-26 3,790.7 3,958.9 3,962.0 4,173.2 4,162.3 4,412.6 4,345.8 1,926.3 2,140.5 2,212.8 2,447.5 2,494.7 2,623.0 2,649.1 5,717.0 6,099.4 6,174.9 6,620.8 6,657.0 7,035.6 6,994.9 Jun-23 FYE23 Jun-24 FYE24 Jun-25 FYE25 Jun-26 3,437.2 3,591.9 3,587.6 3,820.8 3,802.3 4,039.3 3,971.3 2,279.8 2,507.5 2,587.2 2,799.9 2,854.7 2,996.3 3,023.6 5,717.0 6,099.4 6,174.9 6,620.8 6,657.0 7,035.6 6,994.9 Jun-23 FYE23 Jun-24 FYE24 Jun-25 FYE25 Jun-26 +115.9(+2.3％) +337.9(+5.0％) +337.9(+5.0％)+28.0(+10.3％) Individual - Housing Related Loans - (¥bn) Corporate - Term-end Balance by Company Size - (¥bn) Individual - Unsecured Loans - (¥bn) Corporate - Term-end Balance by Area - (¥bn) YoY by segment (+13.6％) （+15.9） (+8.6％) （+5.5 ) (+3.2％) （+0.3） (+7.9％) （+6.1） Educational Loans Car Loans Free Loans Card Loans YoY by segment (+4.4％) （+183.4） (+6.1％) （+154.4） Large Medium / SMEs YoY by segment (+4.3％) （+168.9） (+5.9％) （+168.9） Tokyo Local YoY by segment (+3.1％) （+132.1） (-1.9％) （-15.9） Loans for asset building Apartment Loans Housing Loans Growth rate (YoY) End of Jun. 2026 +2.3% End of Jun. 2025 +1.6% Growth rate (YoY) End of Jun. 2026 +10.3% End of Jun. 2025 +12.4% Growth rate (YoY) End of Jun. 2026 +5.0% End of Jun. 2025 +7.8%
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9 0.96% 0.94% 0.92% 0.90% 0.91% 1.12% 1.36% 0.00% 0.00% 0.00% 0.00% 0.01% 0.17% 0.29% '20/1Q '21/1Q '22/1Q '23/1Q '24/1Q '25/1Q '26/1Q 0.98% 0.94% 0.93% 0.97% 0.99% 1.17% 1.39% 1.84% 1.04% 1.59% 4.72% 5.05% 4.26% 3.85% 0.96% 0.94% 0.92% 0.90% 0.91% 1.12% 1.36% '20/1Q '21/1Q '22/1Q '23/1Q '24/1Q '25/1Q '26/1Q Difference of interests between loans and deposits increased by ¥4.7bn (YoY) due to the increase in interest on yen-denominated loans (by ¥9.2bn (YoY)). Securities’ income also increased by ¥4.2bn (YoY) due to the increased revenue from securities portfolio rebalancing and the increase in interest on Bank of Japan deposits. As a result, net interest income increased by ¥8.9bn (YoY). 1 （6） Average Yield of Loans / Net Interest Income Average Yield on Loans*1 (Bank total) Loan-to-Deposit Yield Spread (Domestic/ Bank total) 【Yield on Loans*1】 【Yield on Deposits, etc.*2】 【Loan-to-Deposit Yield Spread】 1.06% 0.95% 0.90%0.90%0.92%0.94%0.96% ＊1 Not including loans to special account of MoF ＊2 Including NCDs 【Overseas】 【Domestic】 ＋ 【Overseas】 【Domestic】 Domestic Chg. in Factors Overseas Chg. in Factors Avg Balance +1.8 +1.6 (+545.5) +0.1 (+18.5) Yield +7.3 +7.5 (+23.3bp) -0.2 (-40.9bp) 47.0 +9.2 +9.2 － -0.0 － 1.2 +0.9 +0.9 － － － Interest on deposits (－) 13.9 +5.5 +5.6 － -0.1 － Difference of interests between loans and deposits ① 34.4 +4.7 +4.6 － +0.1 － Avg Balance -1.3 -1.6 (-359.3) +0.2 (+20.5) Yield +3.7 +4.0 (+51.7bp) -0.2 (-12.8bp) 24.8 +2.3 +2.4 － -0.0 － (o/w gains on cancellation of Investment Trusts) 0.5 +0.3 +0.3 － ±0.0 － (excluding gains on cancellation of Investment Trusts） 24.2 +2.0 +2.0 － -0.0 － Market borrowings, etc. (－) 9.5 -1.1 -0.0 － -1.1 － Securities' Income (excluding gains on cancellation of Investment Trusts） ② 14.6 +3.1 +2.0 － +1.0 － Interest on Bank of Japan deposits ③ 5.2 +1.1 +1.1 － ±0.0 － Securities' Income *4 ②＋③＝④ 19.9 +4.2 +3.1 － +1.0 － Net Interest Income (excluding gains on cancellation of Investment Trusts） ①+④ 54.3 +8.9 +7.7 － +1.2 － YoY Change Interest and dividend on securities Results Interest on loans and bills discounted (excluding loans to special account of MoF) (Factor) Loans to special account of MoF Changes of Interest Income*3 (Bank total) (¥bn) ＊3 Figures in parentheses are changes on a year on year basis ＊4 Excl. gains/losses on cancelation of investment trusts, and incl. interest on Bank of Japan deposits.
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10 Balance of deposits increased by ¥218.9bn YoY (+1.2% annualized). Corporate deposits have led an increase in the balance, as we have enhanced to build a deposit share in line with our loan share. We will continuously make efforts to strengthen the acquisition of sticky deposits for both corporate and individual customers by promoting the use of our bank as their main accounts for settlement transactions. 1 （7） Deposits －Term-end Balance－ 1,348.5 1,414.6 1,291.8 1,420.8 1,359.0 1,341.7 1,205.7 12,211.5 12,222.5 12,384.1 12,269.1 12,389.8 12,398.9 12,476.0 4,188.4 4,235.7 4,367.8 4,309.3 4,407.8 4,435.3 4,693.8 17,748.5 17,872.9 18,043.8 17,999.2 18,156.7 18,176.0 18,375.6 Jun-23 FYE23 Jun-24 FYE24 Jun-25 FYE25 Jun-26 Corporate Individual Public 4,824.4 5,457.1 5,881.9 5,736.1 5,267.0 4,765.5 4,692.7 69% 66% 65% 67% 70% 73% 73% FY20 FY21 FY22 FY23 FY24 FY25 1Q26 +¥218.9bn +1.2%+¥112.8bn +0.6% +¥295.3bn +1.6% Term-end Balance *1 (Bank total) (¥bn) Year on Year Changes (¥bn) ＊1 Including NCD Jun-24 Jun-25 Jun-26 Total +295.3 +1.6% +112.8 +0.6% +218.9 +1.2% Corporate +179.4 +4.2% +39.9 +0.9% +286.0 +6.4% Individual +172.6 +1.4% +5.7 +0.0% +86.1 +0.6% Public -56.7 -4.2% +67.1 +5.1% -153.2 -11.2% Yen-denominated Loan-to-Deposit Ratio / Gap (Average balance/ including NCD) (¥bn) The loan-to-deposit ratio recovered to the 70% range, due to the increase in loans. The loan-to-deposit gap widened during the COVID-19 pandemic. Loan-to-Deposit Gap Loan-to-Deposit Ratio
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11 712.6 822.5 878.3 878.8 930.9 1,105.2 1,329.3 920.4 927.6 940.8 918.2 931.7 986.8 995.2 97.6 101.7 101.9 98.9 103.1 95.7 98.4 129.4 147.6 161.6 196.1 209.9 231.3 248.5 409.3 409.9 431.9 419.2 445.5 474.4 531.4 2,269.5 2,409.5 2,514.8 2,511.5 2,621.4 2,893.6 3,203.1 Jun-23 FYE23 Jun-24 FYE24 Jun-25 FYE25 Jun-26 Mebuki Securities JGB etc. Foreign currency deposits Insurance Investment trusts 1.19 1.90 1.68 1.79 2.31 1.62 3.130.73 0.86 1.10 1.25 0.76 0.85 0.61 0.10 0.14 0.23 0.10 0.06 0.06 0.06 0.10 0.42 0.23 0.13 0.17 0.17 0.22 0.50 1.20 0.74 0.53 0.59 0.54 0.80 2.66 4.54 3.99 3.83 3.94 3.29 4.88 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 1Q26 Mebuki Securities Financial instrument intermediary service JGB etc. Foreign currency deposits Insurance *Excl. executive life insurance Investment trust (Sales commission + Trust fee) Balance of customer assets under custody increased by ¥581.6bn YoY (+22.1% annualized). Investment trusts and Mebuki Securities have led an increase in the balance. Driven by global stock market strength and rising investor appetite, related commissions increased by ¥1.59bn (+48.4% annualized). 1 （8） Customer Assets under Custody +1.59 (+48.4%) +581.6 (+22.1%) (Re) Balance of Mebuki Securities by product Jun-23 Balance/Composition Jun-26 Balance/Composition Investment trust Structured bonds Domestic/ Foreign bonds Others 256.5（62.6%） 76.3（18.6%） 38.3 （9.3%） 38.0 （9.2%） Investment trust Domestic/ Foreign bonds Others Structured bonds 439.7（82.7%） 68.6（12.9%） 18.6 （3.5%） 4.3 （0.8%） Total 409.3 Total 531.4 Balance (Bank Total + Mebuki Securities) (¥bn) Commissions (Bank Total + Mebuki Securities) (¥bn)
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12 0.35 0.47 0.70 0.75 0.78 0.93 0.77 1.21 1.25 1.82 1.72 3.17 2.53 2.67 1.56 1.72 2.53 2.48 3.96 3.46 3.45 '20/1Q '21/1Q '22/1Q '23/1Q '24/1Q '25/1Q '26/1Q Fees from corporate customers decreased by ¥0.01bn YoY to ¥3.45bn, remaining at the same level as the previous year. We will support the sustainable growth of our customers by leveraging Group sales synergies and providing comprehensive solutions in collaboration within and outside the Group. 1 （9） Fees from Corporate Customers -0.01 (-0.3%) 1.52 1.47 1.94 2.03 2.57 2.70 2.36 Breakdown of Fees from Corporate Customers (Bank total) (¥bn) Fees from Corporate Customers (Bank total) (¥bn) ■Consulting related fees ■Credit related fees (after considering credit risk in derivatives transactions*1 ) 1Q24 1Q25 1Q26 YoY Credit related (1) 3.35 2.87 2.43 -0.44 Derivatives Syndicate loans Private placement bond 1.57 1.57 0.20 1.10 1.54 0.22 0.84 1.43 0.15 -0.25 -0.10 -0.07 Credit risk in derivative transactions*1（-） (2) 0.17 0.34 -0.24 -0.58 Credit related (3) ((1)+(2)) (After considering credit risk in derivative transactions) 3.17 2.53 2.67 +0.14 Consulting related (4) 0.78 0.93 0.77 -0.15 Business Matching Support for business planning M&A Executive Insurance Trust ・401K 0.24 0.25 0.10 0.13 0.03 0.32 0.27 0.20 0.10 0.03 0.25 0.29 0.04 0.13 0.04 -0.06 +0.02 -0.16 +0.03 +0.01 Total （(3)+(4)） 3.96 3.46 3.45 -0.01 *1 The credit risk in derivative transactions is recorded as the difference between CVA and DVA at the end of each fiscal year, subtracted by the difference between CVA and DVA at the end of the previous fiscal year. CVA(Credit Valuation Adjustment) reflects the credit risk of counterparties in derivative transactions in the market value. DVA（Debt Valuation Adjustment） reflects the credit risk of our two banking subsidiaries in the market value. *2 Before considering credit risk in derivatives transactions (Re) Fees from Corporate Customers Excluding Derivative Transactions*2 (¥bn)
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13 - 18.0 - 30.1 - 33.8 - 68.3 -81.2 - 61.6 132.7 101.7 151.9 113.6 161.5 162.5 32.9 -28.4 4.6 8.8 60.8 67.3 - 14.2 - 14.5 - 11.7 - 5.2 -1.3 - 1.1 133.3 28.5 111.0 48.9 139.8 167.1 FYE21 FYE22 FYE23 FYE24 FYE25 Jun-26 -7.1 -87.3 -39.2 -40.4 -54.4 -19.6 3.5 45.0 18.7 22.7 30.4 30.81.7 7.1 5.2 3.6 16.8 0.5 -0.4 8.0 3.9 ｰ0.4 8.0 0 FY21 FY22 FY23 FY24 FY25 1Q26 Gains/losses on futures and options Gains/losses on cancellation of investment trusts Gains/losses related to stocks Gains/losses on bond transactions We continued operations while closely monitoring domestic and international monetary policies and stock price trends, resulting in the balance (carrying amount) of ¥3,862.3bn. We conducted portfolio rebalancing, mainly in domestic bonds, for the purpose of risk control and profit improvement, securing valuation gains (after considering deferred gains (losses) on hedges) of ¥167.1 bn. 1 （10） Securities 2,745.1 2,205.9 2,363.8 2,512.4 2,132.5 2,190.4 967.3 622.8 836.0 797.5 810.4 799.3 254.1 211.3 278.7 243.8 288.1 276.5 715.5 622.2 654.8 659.3 617.1 596.0 4,682.3 3,662.3 4,133.5 4,213.2 3,848.2 3,862.3 FYE21 FYE22 FYE23 FYE24 FYE25 Jun-26 Investment trusts, etc. Stocks Foreign bonds Domestic bonds -21.3 -34.4 -33.3 -103.5 -196.6 -211.5 -14.2 -13.9 -14.6 -8.3 -6.7 -7.4 131.5 101.7 151.9 113.6 164.6 162.5 32.9 -28.4 4.6 8.8 60.8 67.3 128.9 24.9 108.6 10.6 22.1 1… FYE21 FYE22 FYE23 FYE24 FYE25 Jun-26 Balance (Consolidated / Carrying amount) (¥bn) Unrealized valuation gains/losses on available for sales securities *3 (Consolidated) (¥bn) Gains and losses on securities*2 (bank total) (¥bn) Unrealized valuation gains/losses on securities*3 －After considering deferred gains(losses) on hedges*4－＊2 Gains/losses on “cancellation of investment trusts + bond transactions + related to stocks + futures and options” *1 Excl. stocks without market quotations (unlisted stocks etc.). Domestic bonds Foreign bonds -¥19.0bn -¥0.5bn Gains/losses on securities Total (¥bn) -2.3 -27.0 -11.2 -14.5 0.8 11.7 Investment trusts, etc. Stocks Domestic bonds Foreign bonds Investment trusts, etc. Stocks Domestic bonds Foreign bonds *4 Unrealized valuation gains/losses on interest rate swap for hedging purposes related to available for sales securities *3 After considering adjustments arising from the difference in carrying amounts of securities (PPA) 156.24.3 3.5 2.3 38.2 117.7 Deferred gains(losses) on hedges(¥bn)
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14 While controlling the risk amount and duration of both yen-denominated bonds and foreign bonds, taking into account interest rate trends, the holding yield and spread increased. In a situation where uncertainty in domestic and international financial markets is increasing, we have built a securities portfolio with appropriate risk tolerance. 1 （10） Securities -2.0 -2.4 -2.6 -2.0 -1.9 -1.8 -1.8 Jun-23 Mar-24 Jun-24 Mar-25 Jun-25 Mar-26 Jun-26 -11.6 -9.5 -10.5 -8.9 -8.9 -8.2 -8.5 Jun-23 Mar-24 Jun-24 Mar-25 Jun-25 Mar-26 Jun-26 5.3 3.9 3.9 3.3 3.3 3.5 3.5 Jun-23 Mar-24 Jun-24 Mar-25 Jun-25 Mar-26 Jun-26 3.1 3.0 3.0 2.5 2.4 2.2 2.2 Jun-23 Mar-24 Jun-24 Mar-25 Jun-25 Mar-26 Jun-26 0.44% 0.45% 0.45% 0.77% 0.79% 1.10% 1.29% Jun-23 Mar-24 Jun-24 Mar-25 Jun-25 Mar-26 Jun-26 0.21% 0.37% 0.31% 0.73% 0.74% 1.31% 1.47% Jun-23 Mar-24 Jun-24 Mar-25 Jun-25 Mar-26 Jun-26 Risk amount (10bpv *2 ) （¥bn） Yen-denominated Bonds*1 (Bank total) Duration*3（year） Yield（％） L SRisk amount L SRisk amount Foreign Bonds*1 (Bank total/ USD-denominated) Securities spread (Total of fixed and floating bonds:％)Risk amount (10bpv *2 ) （¥bn） Duration*3（year） *1 After considering hedging by bear funds and swaps *2 Decrease in the present value when assuming interest rates rise by 10bp (0.10%) for all periods *3 Average remaining period for principal in bonds investment
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15 191.9 150.9 164.6 139.1 172.4 173.5 Less than 120.9 79.1 64.9 57.5 54.4 51.5 50.5 20.0% 16.6% 16.6% 14.4% 16.0% 15.5% FYE21 FYE22 FYE23 FYE24 FYE25 Jun-26 FYE27 Since the end of March 2023, the reduction of strategic shareholdings amounted to 55 issues, with a book value reduction of ¥14.3bn. Although the market value reduction has already exceeded the target of ¥30.0bn, due to the impact of the overall rise in the stock market, the net amount increased by ¥25.5bn. 1 （11） Strategic Shareholdings Reduction of Strategic Shareholdings*1 (¥bn) Reduction Target (set on May 2023) Reduction of listed strategic shareholdings by ¥30.0bn at market value in 5 years from end of FY22 to end of FY27 Ratio to net assets Benchmark Market value Book value 266 253 234 204218 Number of issues < Compared to benchmark > Reduction of 55 issues *1 Figures are strategic shareholdings (including listed or non- listed stocks) held by Joyo Bank, which owns more than two-thirds stocks owned by Mebuki FG and subsidiaries. 198 Market value < Compared to Benchmark > Book value reduction of ¥14.3bn Reduction result by the end of Jun. 2026 (market value basis) Status of Negotiations (Sale has not been completed) Agreed market price (11 issues) ¥33.1bn o/w unrealized gains +¥24.1bn + Compared to FYE22 (benchmark) + ¥22.5bn Reduction - ¥37.1bn Change in market value + ¥59.7bn (Nikkei 225 ) (¥27,821) (¥28,041) (¥40,369) (¥51,063) (¥70,062)(¥35,617)
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16 Proactive investments in human capital and strengthening of marketing activities led to total expenses of ¥29.8bn, an increase of ¥1.4bn YoY . OHR decreased to the low 40% range, due to an increase in the top line including investments effect. 1 （12） Expenses / OHR 2.3 2.1 2.1 2.1 2.2 2.4 10.6 9.8 10.1 10.5 10.7 11.2 14.7 14.4 14.2 14.3 15.3 16.1 27.6 26.4 26.6 27.0 28.3 29.8 58.0% 53.3% 59.2% 54.4% 49.8% 44.3% '21/1Q '22/1Q '23/1Q '24/1Q '25/1Q '26/1Q -1.2 (-4.4％) +1.4 (+5.1％)+0.1 (+0.6％) +0.4 (+1.6％) +1.3 (+4.9％) OHR*1 1Q26 YoY Main Factors Personnel expenses 16.1 +0.7 Increase in salary and starting salary +0.5 Social insurance premiums +0.1 Improvement of conditions for senior employees +0.1 Non- personnel expenses 11.2 +0.4 System usage fees +0.1 (Marketing related, etc.) Advertising and promotion expenses + 0.1 (Individual loans, etc.) Deposit insurance premiums -0.1 (Reduction in insurance premium rates) Taxes 2.4 +0.2 Size-based business tax +0.2 ＊1 Based on Core Gross Business Profit (Excluding gains/losses on cancellation of investment trusts and futures and options) YoY (by segment) Personnel +0.7 (+5.0％) Non-personnel +0.4 (+4.1％) Taxes +0.2 (+10.2％) Expenses / OHR (Bank total) (¥bn) Factors of Change (¥bn)
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17 92.9% (+0.6%pt compared to Mar.’26) of companies responded that “it is having a negative impact” on their business operations. Credit related costs for 1Q26 were ¥1.8bn, which is generally in line with the full-year plan of ¥10.0bn. Amid changes in the external environment (such as the situation in the Middle East, rising prices and resource costs, and labor shortages, etc.), we will continue to focus on supporting business improvement for our customers. 1 （13） Credit Related Costs 31.5 13.7 13.2 13.7 4.5 4.5 9.5 7.9 9.3 19.0 22.4 19.6 9.1 3.4 5.9 12.7 0.38% 0.09% 0.18%0.20%0.18% 0.08% 0.03%0.05%0.10% FY2010 '11 '12 '13 '14 '15 '16 '17 '18 '19 '20 '21 '22 '23 '24 '25 '26 Credit costs rato 0.1 4.0 0.5 4.3 -0.1 -0.0 1.4 2.3 0.8 2.0 2.0 0.9 2.4 1.2 2.7 6.2 1.8 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q FY2022 FY2023 FY2024 FY2025 1Q result ¥1.8bn FY2026 27.2 43.9 48.0 68.8 79.2 Weaker demand in domestic market Difficulties in procuring raw materials Increase in logistics costs Rise in crude oil and energy prices Increase in raw material and supplies costs All industries (n＝173) 19.6 30.4 32.1 42.4 55.4 Reviewing supply chain Strengthening initiatives to reduce energy costs Diversifying procurement sources for raw materials, etc. Strengthening initiatives for cost reduction Passing higher costs on to product /service prices All industries(n＝184) Change of Credit Related Costs (¥bn) Breakdown of Credit Related Costs (¥bn) 【Annual】 FY2010～ 【Quarter】 FY2022～ Forecast ¥10.0bn 1Q24 1Q25 1Q26 YoY Credit Related Costs 0.8 2.4 1.8 -0.6 Net transfer to general allowance for loan losses -0.3 -0.4 -0.1 +0.2 Disposal of non-performing loans 1.2 2.8 1.9 -0.9 Write off of loans Transfer to specific allowance for loan losses Transfer to provision for contingent losses Reversal of allowance for loan losses(-) Recoveries of written-off claims(-) Other 1.0 0.4 -0.0 - 0.4 0.2 1.3 1.6 0.3 - 0.7 0.3 1.0 0.8 0.0 - 0.3 0.3 -0.3 -0.8 -0.2 - -0.3 +0.0 (Re) Corporate Survey on the Escalating Tensions in the Middle East*1 (June 2026) Measures being considered in response (Top 5)Specific negative impacts on companies (Top 5) *1 Conducted by Joyo Industrial Research on companies in Ibaraki Prefecture from June 1 to 8, 2026. Valid responses were received from 183 companies (79 in manufacturing and 104 in non-manufacturing). ※Multiple answers allowed. (no limit on the number of responses)
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18 33.7 25.7 30.7 16.6 25.6 20.7 18.5 12.3 11.9 15.9 18.4 14.4 13.7 20.0 4.0 121 103 148 130 144 106 102 89 95 95 96 127 152 183 52 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 1Q26 19.4 31.6 49.1 30.9 19.4 16.7 15.2 17.1 9.1 14.8 28.9 32.7 33.7 24.7 9.7 138 148 154 118 126 120 111 140 111 100 123 140 146 143 50 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 1Q26 27.6 31.5 29.1 27.5 22.4 22.8 151.1 153.0 151.4 137.9 141.1 137.2 13.8 12.5 14.6 13.4 13.0 13.9 192.6 197.1 195.2 178.9 176.5 173.9 1.61% 1.55% 1.52% 1.33% 1.24% 1.23% FYE21 FYE22 FYE23 FYE24 FYE25 Jun-26 Bankrupt and substantially bankrupt claims Doubtful claims Claims requiring supervision Non-performing loan ratio Ratio of non-performing loans based on financial revitalization law to total amount of loans decreased to 1.23% from the level at the end of the previous fiscal year, maintaining a high-quality loan portfolio. At the end of June, delinquent loans to businesses increased to ¥2.8bn due to large-scale factors, but we will strive to resolve these delinquencies promptly. 1 （14） Status of Non-performing Loans and Delinquent Loans 1.3 1.0 2.1 0.9 0.8 1.3 2.6 1.1 2.8 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Non-performing Loans (Financial Revitalization Law) (¥bn) Status of Delinquent Loans to Businesses (¥bn) 【Reference】 Status of Bankruptcy Number of bankruptcies (Total liabilities amounting to 10 million yen or more） - by Tokyo Chamber of Commerce - 1Q24 1Q25 1Q26 40 / ¥4.6bn 30 / ¥3.8bn 50 / ¥9.7bn 1Q Results (number/amount) 1Q24 1Q25 1Q26 42 / ¥4.9bn 40 / ¥3.5bn 52 / ¥4.0bn 1Q Results (number/amount) Ibaraki Prefecture Tochigi Prefecture Number of bankruptcies Amount of total liabilities (¥bn) Number of bankruptcies Amount of total liabilities (¥bn)
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19 43.0 46.3 36.3 36.4 42.9 32.1 43.3 58.2 84.1 105.0 11 11 11 11 11 11 12 16 28 44 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 (forecast) 12.9 12.9 12.8 12.7 11.9 11.7 12.3 15.8 26.3 41.2 2.0 4.0 19.5 5.0 20.0 20.0 30.0 12.9 14.9 16.8 12.7 31.5 16.7 32.3 35.8 56.3 41.2 30.0% 32.3% 46.2% 34.9% 73.3% 52.2% 74.5% 61.5% 66.9% 27.8% 35.3% 34.9% 28.2% 36.7% 28.7% 27.4% 31.4% 39.3% FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 (forecast) We will increase annual dividends per share for fiscal 2026 to ¥44 (YoY , +¥16) , representing an increase of ¥4 from the initial forecast. Payout ratio is expected to be 39.3%. As of the end of June, the capital adequacy ratio was 13.10%. We will appropriately manage our capital toward the Medium-Term Plan target of the mid-11% range. 1 （15） Shareholder Returns / Capital Adequacy Ratio Shareholder Return Policy (Revised in March 2025) Dividends Share acquisition We aim to fundamentally achieve a stable and sustainable increase in dividends per share through profit growth, and target a Dividend Payout Ratio of 40% or more by fiscal year 2027. The share acquisition will be dynamically managed based on capital management that considers market trends, performance forecasts, and the strategic use of capital to capture growth opportunities. Dividends / Shareholder Returns TRR Payout Ratio Share purchase (¥bn)*1 Dividends（¥bn） FG Consolidated Net Income (¥bn) 43.0 46.3 36.3 36.4 42.9 32.1 43.3 58.2 84.1 105.0 *1 Figures are rounded to the nearest 100 million yen. Annual Dividends per Share Annual dividends per share(¥) Consolidated net income(¥bn) Increase in dividends per share through profit growth 7,320.0 6,213.4 6,548.5 6,958.5 7,088.9 6,917.1 799.6 828.0 832.8 849.4 872.4 906.5 10.92% 13.32% 12.71% 12.20% 12.30% 13.10% FYE21 FYE22 FYE23 FYE24 FYE25 Jun-26 Capital Adequacy Ratio (Mebuki FG consolidated) Capital Adequacy Ratio Risk-weighted assets (¥ bn)Capital (¥bn) Controlling in the mid 11% range Target in Medium-Term Plan
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20 Forecast for FY2026 Results for 1Q26 Compared to initial forecast Progress Ordinary Profit 52.0 +5.5 14.2 27.3% Net Income 35.5 +3.5 9.8 27.7% Forecast for FY2026 Results for 1Q26 Compared to initial forecast Progress Ordinary Profit 98.0 +9.0 345 35.2% Net Income 67.5 +6.5 238 35.4% Against the backdrop of the Bank of Japan’s policy rate hike in June 2026, etc., further growth in core business income is expected and we revise up our consolidated earnings forecast for FY2026. We plan consolidated ordinary profit of ¥153.5bn, an increase of ¥14.5bn compared to the initial forecast and a net income attributable to owners of the parent of ¥105.0bn, an increase of + ¥10.0bn compared to the initial forecast. 1 （16） Forecast for FY2026 Joyo Bank Ashikaga Bank Forecast for FY2026 Results for 1Q26 Compared to initial forecast Progress Ordinary Profit 150.0 +14.5 48.7 32.4% Net Income 103.0 +10.0 33.7 32.7% Forecast for FY2026 (Ordinary Profit / Net Income) Mebuki FG Consolidated (¥bn) Total of Two Subsidiary Banks (¥bn) Subsidiary Banks (Non-consolidated) (¥bn) Forecast for FY2026 Results for 1Q26 Compared to initial forecast Progress Ordinary Profit 153.5 +14.5 49.8 32.5% Net income attributable to owners of the parent 105.0 +10.0 34.5 32.8%
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21 *1 Excluding gains/losses on cancellation of investment trusts and futures and options *2 Net fees and commissions + Income related to derivatives for customers + foreign exchange *3 Gains/losses on “bond transactions +related to stocks + cancellation of investment trusts + futures and options” 1 （16） Forecast for FY2026 1 2 3 4 5 6 1Q26 FY2026 vs. initial forecast Results Progress Core gross business profit *1 269.0 +20.0 67.2 24.9% Net interest income (Excluding gains/losses on cancellation of inv estment trusts) 222.0 +19.0 54.3 24.4% Difference of interests betw een loans and deposits 145.5 +7.0 34.4 23.6% Securities' income (Excluding gains/losses on cancellation of investment trusts) 76.5 +12.0 19.9 26.0% (O/W Interest on Bank of Japan deposits) (17.5) (+6.5) (5.2) (29.8%) Fees from customers *2 47.0 +1.0 12.8 27.3% Expenses 123.5 ±0.0 29.8 24.1% Core net business income *1 145.5 +20.0 37.3 25.7% Gains/losses on securities *3 9.5 -5.5 11.7 123.6% Credit Related Cost 10.0 ±0.0 1.8 18.0% 5.0 ±0.0 1.3 27.9% Ordinary profit 150.0 +14.5 48.7 32.4% Net income 103.0 +10.0 33.7 32.7% Profits of Group Companies 4.5 ±0.0 1.7 39.8% Consolidation adjustment (Adjustments related to securities,etc. ) -2.5 ±0.0 -1.0 40.6% Net income attributable to owner of the parent 105.0 +10.0 34.5 32.8% ROE (based on nete assets) approx. 9.5% approx. +0.5%pt 12.6% - RORA 1.41% +0.14%pt 1.97% - Other non-recurrent gains/losses (Employee benefit expenses, etc.) Forecast for【Joyo+Ashikaga】 【Mebuki FG Consolidated】 Policy rate (End of fiscal year) 10 year government bond yield Perspective Japan 1.00％ From 2.20 to 2.70％ Policy rate remains unchanged during FY26. U.S.A. 3.75％ From 3.50 to 4.50％ Policy rate remains unchanged during FY26. Details of Forecast for FY2026 Market Scenario (Policy rates in Japan and U.S.A.) Main Reasons of Change (YoY) (¥ bn) Factors Reasons Difference of interest between loans and deposits +7.0 (Yen-denominated) Interest on loans +14.5 / Interest on deposits(-)+10.5 (Foreign currency) Interest on loans +0.5 / Interest on deposits(-) ±0.0 Interest on loans to special account of MoF +2.5 Securities’ income +12.0 Expansion of spreads through portfolio rebalancing, etc. +5.5 Increase in interest on BOJ deposits ＋6.5 (An upward revision in the balance of BOJ deposits, reflecting the effect of interest rate rising and strengthened deposit acquisition) Fees from customers +1.0 Solid sales of investment trusts reflecting a stronger investment appetite. Increase in trust fees driven by growth in the balance of investment trust. Expenses(-) ±0.0 Human capital investment for salary increases and securing human resources as well as strategic DX investments are progressing largely in line with plan. Gains/losses on securities -5.5 Implementation of additional maintenance of domestic bonds in light of the interest rate outlook (Reduction of strategic shareholdings is being continued.) Credit related costs (-) ±0.0 Credit related costs have remained at a stable level. However, we will continue to closely monitor the impact of the situation in the Middle East. 1 2 3 4 5 6
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22 2 Data
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23 2 Breakdown of Banking Subsidiaries （１）P/L for 1Q26 （￥ｂｎ） J+A YoY Joyo YoY Ashikaga YoY Gross business profit 48.0 -6.8 35.4 +3.2 12.6 -10.1 67.7 +9.1 40.6 +5.3 27.1 +3.8 Net interest income 54.9 +9.3 32.6 +6.2 22.2 +3.1 0.5 +0.3 0.5 +0.3 0.0 +0.0 Net fees and commissions 11.4 +0.9 7.1 +0.5 4.3 +0.3 Net other business income and Net trading income -18.3 -17.1 -4.3 -3.4 -13.9 -13.6 (o/w gains/losses on bond transactions) -19.6 -16.0 -5.1 -2.0 -14.4 -14.0 Expenses 29.8 +1.4 17.1 +1.0 12.6 +0.3 o/w Personnel expenses 16.1 +0.7 9.0 +0.5 7.0 +0.2 o/w Non-personnel expenses 11.2 +0.4 6.5 +0.3 4.6 +0.0 18.2 -8.3 18.2 +2.2 0.0 -10.5 Core net business income 37.9 +7.7 23.4 +4.2 14.4 +3.4 37.3 +7.3 22.8 +3.8 14.4 +3.4 37.3 +8.8 22.9 +5.4 14.4 +3.4 Net transfer to general allowance for loan losses (a) -0.1 +0.2 0.0 +0.1 0.0 +0.2 Net business income 18.4 -8.5 18.3 +2.0 0.0 -10.7 Net non-recurrent gains/losses 30.2 +26.4 16.1 +11.9 14.2 +14.6 o/w Disposal of non-performing loans (b) 1.9 -0.9 1.4 +0.3 0.4 -1.3 o/w Gains/losses related to stocks, etc. 30.8 +24.9 16.3 +11.6 14.5 +13.2 Ordinary profit 48.7 +17.8 34.5 +14.0 14.2 +3.8 Extraordinary income/losses 0.0 -0.0 0.0 -0.0 0.0 +0.0 Net income 33.7 +11.9 23.8 +9.4 9.8 +2.5 Profit from customer services＊1 17.4 +4.6 10.7 +2.5 6.6 +2.0 Credit related costs (a)+(b) 1.8 -0.6 1.3 +0.4 0.4 -1.1 *1 Difference of interests betw een loans and deposits＋Fees from Customers＋Expenses（-） (Core Gross business profit) o/w Gains/losses on Cancellation of Investment trusts Net business income (before general allowance for loan losses) Core net Business Income （exclu. Gains/losses on Cancellation of Investment trusts） （exclu. Gains/losses on "Cancellation of investment trusts", "Futures" and "Options"） （２）Average Yield on Loans(excluding loans to special account of MoF) FY22 FY23 FY24 FY25 1Q26 YoY 1Q25 Domestics 0.91% 0.90% 0.97% 1.20% 1.36% 0.23% 1.12% Overseas 3.02% 5.02% 4.75% 4.15% 3.85% -0.40% 4.26% Total 0.95% 0.97% 1.03% 1.24% 1.39% 0.22% 1.17% Domestics 0.90% 0.88% 0.95% 1.18% 1.35% 0.23% 1.11% Overseas 3.11% 5.21% 4.94% 4.30% 3.97% -0.43% 4.41% Total 0.96% 1.00% 1.05% 1.25% 1.41% 0.22% 1.18% Domestics 0.93% 0.92% 0.99% 1.22% 1.37% 0.23% 1.14% Overseas 2.23% 3.17% 2.80% 2.79% 2.75% -0.18% 2.94% Total 0.94% 0.93% 0.99% 1.23% 1.37% 0.22% 1.14% J+A Joyo Ashikaga （３）Loans Term-end Balance （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 Individual 5,136.7 5,214.3 5,321.2 5,454.6 5,475.1 +141.9 5,333.1 Corporate 5,694.8 6,099.4 6,620.8 7,035.6 6,994.9 +337.9 6,657.0 Public 988.5 1,029.6 1,077.1 1,117.7 1,055.8 +28.9 1,026.9 Total 11,820.1 12,343.4 13,019.3 13,608.1 13,525.9 +508.7 13,017.1 Individual 2,786.4 2,823.7 2,895.9 2,976.3 2,992.3 +85.6 2,906.6 Corporate 3,313.1 3,566.2 3,885.3 4,104.0 4,090.2 +172.2 3,917.9 Public 548.8 591.5 611.7 646.8 660.0 -12.7 672.8 Total 6,648.4 6,981.6 7,393.0 7,727.2 7,742.6 +245.1 7,497.4 Individual 2,350.3 2,390.5 2,425.2 2,478.3 2,482.7 +56.2 2,426.5 Corporate 2,381.6 2,533.2 2,735.5 2,931.6 2,904.7 +165.6 2,739.0 Public 439.6 438.0 465.4 470.8 395.7 +41.6 354.0 Total 5,171.6 5,361.8 5,626.2 5,880.8 5,783.2 +263.5 5,519.6 ＊Not including loans to special account of MoF Foreign Currency Denominated Loans （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 J+A 151.0 153.4 132.4 133.8 143.0 +11.7 131.2 Joyo 140.4 145.7 125.6 125.6 134.6 +11.7 122.9 Ashikaga 10.5 7.6 6.8 8.2 8.3 +0.0 8.3 J+A Joyo Ashikaga - - - - -
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24 2 Breakdown of Banking Subsidiaries （4）Loans Individual Housing Related Loans Term-end Balance （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 Housing Loans 3,972.9 4,049.4 4,148.7 4,270.6 4,292.4 +132.1 4,160.3 Apartment Loans 845.2 823.4 805.0 792.3 784.0 -15.9 799.9 Asset building loans 1.9 1.6 1.2 1.0 0.9 -0.2 1.1 Total 4,820.2 4,874.5 4,955.1 5,064.0 5,077.4 +115.9 4,961.4 Housing Loans 1,955.2 2,001.6 2,082.6 2,168.2 2,188.3 +91.6 2,096.6 Apartment Loans 672.8 653.3 633.4 620.7 613.6 -15.1 628.7 Asset building loans 1.9 1.6 1.2 1.0 0.9 -0.2 1.1 Total 2,630.0 2,656.6 2,717.3 2,790.0 2,802.8 +76.3 2,726.5 Housing Loans 2,017.6 2,047.8 2,066.1 2,102.4 2,104.1 +40.4 2,063.6 Apartment Loans 172.4 170.1 171.6 171.6 170.4 -0.7 171.1 Asset building loans - - - - - - - Total 2,190.1 2,217.9 2,237.7 2,274.0 2,274.5 +39.6 2,234.8 J+A Joyo Ashikaga （7）Loans Corporate Term-end Balance by Area （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 Tokyo 2,235.5 2,507.5 2,799.9 2,996.3 3,023.6 +168.9 2,854.7 Local 3,459.3 3,591.9 3,820.8 4,039.3 3,971.3 +168.9 3,802.3 Total 5,694.8 6,099.4 6,620.8 7,035.6 6,994.9 +337.9 6,657.0 Tokyo 1,603.1 1,760.2 1,924.7 2,024.4 2,052.4 +93.6 1,958.7 Local 1,709.9 1,806.0 1,960.5 2,079.6 2,037.8 +78.5 1,959.2 Total 3,313.1 3,566.2 3,885.3 4,104.0 4,090.2 +172.2 3,917.9 Tokyo 632.3 747.2 875.2 971.8 971.2 +75.2 895.9 Local 1,749.3 1,785.9 1,860.3 1,959.7 1,933.4 +90.3 1,843.1 Total 2,381.6 2,533.2 2,735.5 2,931.6 2,904.7 +165.6 2,739.0 J+A Joyo Ashikaga （6）Loans Corporate Term-end Balance by Company Size （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 Large 1,890.4 2,140.5 2,447.5 2,623.0 2,649.1 +154.4 2,494.7 Medium/SMEs 3,804.4 3,958.9 4,173.2 4,412.6 4,345.8 +183.4 4,162.3 Total 5,694.8 6,099.4 6,620.8 7,035.6 6,994.9 +337.9 6,657.0 Large 1,338.7 1,475.8 1,675.9 1,752.3 1,768.9 +69.0 1,699.8 Medium/SMEs 1,974.3 2,090.4 2,209.3 2,351.6 2,321.3 +103.1 2,218.1 Total 3,313.1 3,566.2 3,885.3 4,104.0 4,090.2 +172.2 3,917.9 Large 551.6 664.7 771.6 870.6 880.2 +85.3 794.8 Medium/SMEs 1,830.0 1,868.5 1,963.9 2,060.9 2,024.5 +80.3 1,944.2 Total 2,381.6 2,533.2 2,735.5 2,931.6 2,904.7 +165.6 2,739.0 J+A Joyo Ashikaga （5）Unsecured Loans Term-end Balance （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 Car Loans 79.0 95.7 113.6 128.5 132.9 +15.9 116.9 Educational Loans 49.3 55.8 62.2 68.4 70.0 +5.5 64.4 Free Loans 9.7 10.8 10.9 11.4 11.4 +0.3 11.0 Card Loans 66.0 70.1 75.4 81.4 83.4 +6.1 77.2 Total 204.2 232.5 262.3 289.7 297.8 +28.0 269.8 Car Loans 53.2 59.4 67.4 74.4 76.5 +7.5 69.0 Educational Loans 38.1 41.9 45.5 48.8 49.7 +2.7 46.9 Free Loans 4.1 4.3 4.2 4.0 3.9 -0.2 4.2 Card Loans 26.7 28.4 30.8 34.3 35.3 +3.6 31.7 Total 122.2 134.2 148.1 161.6 165.6 +13.6 151.9 Car Loans 25.8 36.2 46.2 54.0 56.3 +8.4 47.9 Educational Loans 11.2 13.9 16.7 19.5 20.2 +2.8 17.4 Free Loans 5.6 6.4 6.7 7.3 7.5 +0.6 6.8 Card Loans 39.2 41.6 44.5 47.0 48.0 +2.4 45.5 Total 82.0 98.3 114.2 128.1 132.1 +14.3 117.8 J+A Joyo Ashikaga
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25 2 Breakdown of Banking Subsidiaries （８）Deposits Term-end Balance （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 Individual 12,035.1 12,222.5 12,269.1 12,398.9 12,476.0 +86.1 12,389.8 Corporate 4,085.0 4,235.7 4,309.3 4,435.3 4,693.8 +286.0 4,407.8 Public 1,455.2 1,414.6 1,420.8 1,341.7 1,205.7 -153.2 1,359.0 Total 17,575.4 17,872.9 17,999.2 18,176.0 18,375.6 +218.9 18,156.7 Individual 7,412.6 7,514.1 7,523.9 7,600.7 7,639.2 +37.0 7,602.1 Corporate 2,263.0 2,380.4 2,396.7 2,450.0 2,690.1 +242.3 2,447.8 Public 778.3 757.0 758.6 705.2 661.8 -206.4 868.3 Total 10,454.0 10,651.7 10,679.3 10,755.9 10,991.2 +72.9 10,918.3 Individual 4,622.5 4,708.3 4,745.1 4,798.2 4,836.7 +49.0 4,787.7 Corporate 1,821.9 1,855.2 1,912.5 1,985.3 2,003.7 +43.7 1,960.0 Public 676.9 657.5 662.2 636.5 543.8 +53.2 490.6 Total 7,121.4 7,221.2 7,319.9 7,420.0 7,384.4 +145.9 7,238.4 Foreign Currency Deposit （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 J+A 96.5 102.4 98.8 95.4 98.1 -4.9 103.0 Joyo 76.1 85.5 78.7 83.9 85.3 -1.4 86.7 Ashikaga 20.3 16.8 20.1 11.4 12.8 -3.4 16.3 J+A Joyo Ashikaga （9）Customer Assets under Custody Balance （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 Investment trusts 654.0 822.5 878.8 1,105.2 1,329.3 +398.4 930.9 Insurance 884.0 927.6 918.2 986.8 995.2 +63.4 931.7 Foreign currency deposits 91.1 101.7 98.9 95.7 98.4 -4.6 103.1 JGB etc. 131.7 147.6 196.1 231.3 248.5 +38.5 209.9 Mebuki Securities 414.2 409.9 419.2 474.4 531.4 +85.9 445.5 Total 2,175.1 2,409.5 2,511.5 2,893.6 3,203.1 +581.6 2,621.4 Investment trusts 318.7 391.2 409.3 515.6 643.7 +208.8 434.8 Insurance 519.7 527.7 512.1 549.2 554.9 +35.7 519.2 Foreign currency deposits 70.7 84.8 78.8 84.2 85.6 -1.2 86.8 JGB etc. 88.4 101.6 145.1 170.1 179.8 +24.0 155.8 Total 997.7 1,105.5 1,145.4 1,319.3 1,464.1 +267.4 1,196.7 Investment trusts 335.2 431.3 469.5 589.5 685.6 +189.5 496.0 Insurance 364.3 399.8 406.1 437.5 440.3 +27.7 412.5 Foreign currency deposits 20.3 16.8 20.1 11.4 12.8 -3.4 16.3 JGB etc. 43.2 45.9 50.9 61.2 68.6 +14.5 54.1 Total 763.1 894.0 946.7 1,099.8 1,207.5 +228.3 979.1 Group total Joyo Ashikaga
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26 2 Breakdown of Banking Subsidiaries （１1）Fees from Corporate Customers （￥ｂｎ） FY22 FY23 FY24 FY25 1Q26 YoY 1Q25 Credit Related 10.87 10.81 11.83 11.24 2.67 +0.14 2.53 Consulting Related 3.72 4.26 4.55 5.51 0.77 -0.15 0.93 total 14.59 15.08 16.39 16.76 3.45 -0.01 3.46 Credit Related 6.70 6.28 6.42 6.02 1.43 -0.02 1.45 Consulting Related 2.02 2.31 2.68 3.01 0.34 -0.18 0.52 total 8.73 8.59 9.10 9.03 1.77 -0.20 1.98 Credit Related 4.17 4.53 5.40 5.22 1.24 +0.17 1.07 Consulting Related 1.69 1.94 1.87 2.50 0.43 +0.02 0.41 total 5.86 6.48 7.28 7.73 1.67 +0.19 1.48 J+A Joyo Ashikaga （１0）Customer Assets under Custody Commissions （￥ｂｎ） FY22 FY23 FY24 FY25 1Q26 YoY 1Q25 Investment trusts(*1) 6.52 7.75 8.58 8.81 3.13 +1.50 1.62 Insurance(*2) 5.59 4.26 3.10 2.69 0.61 -0.24 0.85 Foreign currency deposits 0.68 0.39 0.20 0.27 0.06 -0.00 0.06 JGB etc. 0.04 0.09 0.06 0.13 0.04 +0.02 0.02 Financial instrument intermediary service 0.57 0.66 0.71 0.91 0.22 +0.05 0.17 Mebuki Securities 1.98 2.15 2.37 2.84 0.80 +0.26 0.54 Total 15.41 15.32 15.04 15.68 4.88 +1.59 3.28 Investment trusts(*1) 3.32 3.69 4.18 3.96 1.50 +0.76 0.74 Insurance(*2) 3.53 2.22 1.85 1.67 0.38 -0.13 0.51 Foreign currency deposits 0.39 0.26 0.15 0.21 0.05 -0.00 0.05 JGB etc. 0.02 0.07 0.04 0.11 0.03 +0.01 0.01 Financial instrument intermediary service 0.46 0.61 0.66 0.87 0.21 +0.05 0.16 Total 7.74 6.86 6.91 6.84 2.19 +0.69 1.49 Investment trusts(*1) 3.20 4.06 4.39 4.84 1.62 +0.74 0.88 Insurance(*2) 2.06 2.04 1.25 1.02 0.23 -0.11 0.34 Foreign currency deposits 0.28 0.13 0.04 0.05 0.01 -0.00 0.01 JGB etc. 0.01 0.02 0.02 0.02 0.00 +0.00 0.00 Financial instrument intermediary service 0.10 0.04 0.04 0.04 0.00 +0.00 0.00 Total 5.68 6.30 5.76 5.99 1.88 +0.62 1.25 ＊１：Sales commission+ Trust fee ＊２：Excl. executive life insurance Group Total Joyo Ashikaga （12）Securities Balance(Balance Sheet Amount) （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Domestic bonds 2,205.9 2,363.8 2,512.4 2,132.5 2,190.4 +57.9 Foreign bonds 622.8 836.0 797.5 810.4 799.3 -11.0 Stocks 211.3 278.7 243.8 288.1 276.5 -11.6 Investment trusts,etc. 622.2 654.8 659.3 617.1 596.0 -21.0 Total 3,662.3 4,133.5 4,213.2 3,848.2 3,862.3 +14.1 Domestic bonds 1,438.8 1,588.8 1,561.4 1,233.7 1,236.1 +2.4 Foreign bonds 319.1 455.7 462.0 499.5 485.7 -13.8 Stocks 183.8 243.4 215.8 252.6 239.5 -13.1 Investment trusts,etc. 401.3 418.7 435.6 436.1 440.6 +4.5 Total 2,343.1 2,706.8 2,675.0 2,422.1 2,402.1 -20.0 Domestic bonds 758.0 766.5 941.9 888.4 944.0 +55.6 Foreign bonds 303.7 380.3 335.5 310.8 313.5 +2.7 Stocks 34.4 41.1 34.3 41.5 43.8 +2.2 Investment trusts,etc. 216.5 231.8 219.3 176.7 151.2 -25.5 Total 1,312.7 1,419.7 1,531.1 1,417.6 1,452.6 +35.0 Mebuki FG (Consolid ated) Joyo Ashikaga
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27 2 Breakdown of Banking Subsidiaries （13）Securities Unrealized Valuation Gains/Losses on Available for Sale Securities （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Stocks -34.4 -33.3 -103.5 -196.6 -211.5 -14.9 Domestic bonds -13.9 -14.6 -8.3 -6.7 -7.4 -0.7 Investment trusts,etc. 101.7 151.9 113.6 164.6 162.5 -2.0 Foreign bonds -28.4 4.6 8.8 60.8 67.3 +6.5 Total 24.9 108.6 10.6 22.1 10.8 -11.2 Total (after hedging)*1 28.5 111.0 48.9 139.8 167.1 +27.3 Stocks -19.2 -19.5 -52.2 -96.3 -109.0 -12.6 Domestic bonds -5.7 -5.5 -5.1 -6.1 -6.1 +0.0 Investment trusts,etc. 91.5 133.7 101.6 144.2 140.4 -3.8 Foreign bonds -15.2 3.5 1.0 29.7 44.6 +14.8 Total 51.2 112.2 45.3 71.5 69.9 -1.6 Total (after hedging)*1 50.1 114.5 66.8 134.2 156.2 +21.9 Stocks -10.1 -10.3 -48.8 -98.3 -100.8 -2.4 Domestic bonds -8.0 -9.0 -3.1 -0.5 -1.3 -0.7 Investment trusts,etc. 22.1 29.9 23.4 31.2 32.7 +1.5 Foreign bonds -11.8 2.4 9.1 32.3 23.9 -8.3 Total -7.8 12.9 -19.3 -35.4 -45.4 -10.0 Total (after hedging)*1 -3.2 12.9 -2.5 19.6 24.4 +4.8 Mebuki FG (Consolid ated) Joyo Ashikaga ＊1 After considering deferred gains(losses) on hedges (Unrealized valuation gains/losses on interest rate swap for hedging purposes related to available for sales securities) （14）Gains/Losses on Securities （￥ｂｎ） FY22 FY23 FY24 FY25 1Q26 YoY 1Q25 Stocks -87.3 -39.2 -40.4 -54.4 -19.6 -16.0 -3.6 Domestic bonds 45.0 18.7 22.7 30.4 30.8 +24.9 5.9 Investment trusts,etc. 7.1 5.2 3.6 16.8 0.5 +0.3 0.2 Gains/losses on futures and options 8.0 3.9 -0.4 8.0 0.0 -1.5 1.4 Total -27.0 -11.2 -14.5 0.8 11.7 +7.7 4.0 Stocks -72.6 -27.9 -26.3 -34.5 -5.1 -2.0 -3.1 Domestic bonds 43.9 16.9 18.8 25.3 16.3 +11.6 4.6 Investment trusts,etc. 5.0 4.2 2.3 2.3 0.5 +0.3 0.2 Gains/losses on futures and options 8.0 -0.1 -0.4 8.0 0.0 -1.5 1.4 Total -15.6 -6.9 -5.5 1.2 11.6 +8.4 3.2 Stocks -14.7 -11.2 -14.1 -19.8 -14.4 -14.0 -0.4 Domestic bonds 1.1 1.7 3.9 5.0 14.5 +13.2 1.2 Investment trusts,etc. 2.1 1.0 1.2 14.5 0.0 +0.0 0.0 Gains/losses on futures and options 0.0 4.0 0.0 0.0 0.0 +0.0 0.0 Total -11.4 -4.3 -8.9 -0.3 0.0 -0.7 0.8 J+A Joyo Ashikaga
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28 2 Breakdown of Banking Subsidiaries (１5) Foreign Bonds ($million, €million ,million of Australia dollars,￥bn) Currency Interest rate type Securities type FYE24 FYE25 Jun-26 YoY 1Q26 gains/ losses Government, Government-guaranteed bonds, etc 1,735 1,720 1,716 -4 Corporate bonds, etc 1,325 1,180 1,180 +0 Floating CLO/Government-guaranteed bonds, etc 2,181 2,083 1,983 -100 5,241 4,984 4,880 -103 Euro Fixed Government, Government-guaranteed bonds, etc 0 0 0 ±0 0 AUD Fixed Corporate bonds, etc 0 0 0 ±0 0 Yen(*1) Fixed Corporate bonds, etc 22.1 20.2 14.2 -6.0 -0.3 Government, Government-guaranteed bonds, etc 1,286 1,269 1,265 -4 Corporate bonds, etc 313 354 354 -0 Floating CLO/Government-guaranteed bonds, etc 1,377 1,412 1,334 -77 2,976 3,036 2,953 -82 Euro Fixed Government, Government-guaranteed bonds, etc 0 0 0 ±0 0 AUD Fixed Corporate bonds, etc 0 0 0 ±0 0 Yen(*1) Fixed Corporate bonds, etc 22.1 20.2 12.2 -8.0 -0.3 Government, Government-guaranteed bonds, etc 449 451 451 +0 Corporate bonds, etc 1,012 825 826 +0 Floating CLO/Government-guaranteed bonds, etc 804 671 648 -22 2,265 1,947 1,927 -20 Euro Fixed Government, Government-guaranteed bonds, etc 0 0 0 ±0 0 AUD Fixed Corporate bonds, etc 0 0 0 ±0 0 Yen(*1) Fixed Corporate bonds, etc 0.0 0.0 2.0 +2.0 0.0 (*1)All Yen denominated foreign bonds are regarded as fixed bonds. Joyo U.S. dollar Fixed -1 Sub Total Total U.S. dollar Fixed -1 Sub Total Ashikaga U.S. dollar Fixed 0 Sub Total （16）Strategic shareholdings (Balance) （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY J+A Balance 184.8 205.3 172.7 213.6 216.1 +2.5 Joyo Balance 150.9 164.6 139.1 172.4 173.5 +1.0 Ashikaga Balance 33.9 40.6 33.6 41.1 42.6 +1.5 (17) Expenses （￥ｂｎ） FY22 FY23 FY24 FY25 1Q26 YoY 1Q25 Personnel 57.2 57.0 58.7 63.0 16.1 +0.7 15.3 Non-Personnel 40.0 41.7 44.0 44.7 11.2 +0.4 10.7 Taxes 6.0 6.4 6.5 7.4 2.4 +0.2 2.2 Total 103.3 105.2 109.3 115.1 29.8 +1.4 28.3 Personnel 32.2 32.1 32.6 34.9 9.0 +0.5 8.5 Non-Personnel 22.0 22.7 24.9 25.2 6.5 +0.3 6.1 Taxes 3.3 3.7 3.7 4.1 1.4 +0.1 1.3 Total 57.6 58.5 61.3 64.3 17.1 +1.0 16.0 Personnel 24.9 24.8 26.0 28.0 7.0 +0.2 6.7 Non-Personnel 18.0 19.0 19.1 19.5 4.6 +0.0 4.5 Taxes 2.6 2.7 2.7 3.2 0.9 +0.0 0.9 Total 45.6 46.6 47.9 50.8 12.6 +0.3 12.2 J+A Joyo Ashikaga （18）Credit related cost （￥ｂｎ） FY22 FY23 FY24 FY25 1Q26 YoY 1Q25 J+A 9.1 3.4 5.9 12.7 1.8 -0.6 2.4 Joyo 5.0 0.6 2.9 6.9 1.3 +0.4 0.8 Ashikaga 4.0 2.8 2.9 5.7 0.4 -1.1 1.5
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29 2 Breakdown of Banking Subsidiaries （20）Non-accrual delinquent loans（to Business）(1 month or more) （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Jun-25 J+A 1.0 2.1 0.9 1.1 2.8 +2.0 0.8 Joyo 0.7 1.6 0.8 0.7 1.1 +0.6 0.4 Ashikaga 0.2 0.4 0.1 0.3 1.6 +1.3 0.3 （19）Disclosed Claims under the Financial Revitalization Law （￥ｂｎ） FYE22 FYE23 FYE24 FYE25 Jun-26 YoY Bankrupt claims 12.5 14.6 13.4 13.0 13.9 +0.9 Doubtful claims 153.0 151.4 137.9 141.1 137.2 -3.9 Claims requiring monitoring 31.5 29.1 27.5 22.4 22.8 +0.4 (Loans past due 3 month or more) 0.2 0.1 0.1 0.1 0.2 +0.1 (Restructured loans) 31.3 28.9 27.3 22.2 22.5 +0.2 Total 197.1 195.2 178.9 176.5 173.9 -2.6 Bankrupt claims 5.1 4.9 5.7 4.3 5.5 +1.1 Doubtful claims 84.8 82.6 71.3 75.5 72.5 -2.9 Claims requiring monitoring 12.1 9.7 8.3 7.7 8.5 +0.7 (Loans past due 3 month or more) 0.0 0.0 0.1 0.1 0.1 +0.0 (Restructured loans) 12.0 9.6 8.2 7.6 8.3 +0.7 Total 102.1 97.3 85.5 87.6 86.6 -1.0 Bankrupt claims 6.7 9.2 6.8 7.9 7.6 -0.3 Doubtful claims 68.1 68.7 66.5 65.6 64.6 -1.0 Claims requiring monitoring 19.4 19.3 19.1 14.6 14.2 -0.3 (Loans past due 3 month or more) 0.1 0.0 0.0 0.0 0.1 +0.1 (Restructured loans) 19.2 19.3 19.0 14.5 14.1 -0.4 Total 94.2 97.3 92.5 88.2 86.5 -1.6 J+A Joyo Ashikaga
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30 Mebuki Financial Group, Inc. Corporate Planning Department TEL +81-29-233-1151 E-mail ir@mebuki-fg.co.jp URL https://www.mebuki-fg.co.jp/ Inquiries This document has been prepared for information purposes only and does not form part of a solicitation to sell or purchase any securities. Information contained herein may be changed or revised without prior notice. This document may contain forward-looking statements as to future results of operations. No forward-looking statement can be guaranteed and actual results of operations may differ from those projected.