Interim report
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August , 5 2026 Company name : Listing : Securities code : URL : Representative : Inquiries : Consolidated Financial Results for the Three Months Ended June 30 , 2026 ( Under Japanese GAAP ) Mebuki Financial Group , Inc. Tokyo Stock Exchange 7167 https://www.mebuki-fg.co.jp/ Tetsuya Akino , President Masaki Tanaka , General Manager of Corporate Planning Dept. ( Japanese yen amounts of less than 1 million or the first decimal place have been rounded down . ) 1. Consolidated financial results for the three months ended June 30,2026 ( from April 1 , 2026 to June 30 , 2026 ) ( 1 ) Consolidated operating results ( % : Changes from the corresponding period of the previous fiscal year ) Three months ended June 30 , 2026 June 30 , 2025 ( Note ) Comprehensive income Three months ended June 30 , 2026 June 30 , 2025 Ordinary income ¥ Million 137,903 99,014 % 39.2 21.0 Ordinary profit Net income attributable to owners of the parent ¥ Million % ¥ Million % 49,858 57.3 34,504 55.2 31,690 21.1 22,223 21.1 For the three months ended June 30 , 2026 : ¥ 52,684 million [ 38.1 % ] For the three months ended June 30 , 2025 ¥ 38,130 million [ - % ] Diluted earnings ( 2 ) Consolidated financial position Basic earnings per share per share ¥ ¥ 36.76 23.25 36.75 23.24 As of June 30 , 2026 March 31,2026 Total assets ¥ Million 21,887,708 21,173,586 ( Reference ) Equity As of June 30,2026 : ¥ 1,114,767 million Net assets ¥ Million 1,114,825 1,077,192 Equity - to - asset ratio % 5.0 As of March 31,2026 : ¥ 1,077,123 million 5.0 ( Note ) " Equity - to - asset ratio " represents ( " Net assets " - " Equity warrants " - " Non - controlling interest " ) / " Total assets " at the end of each period . The ratio above is not the one based on the regulation of Capital Adequacy Ratio . 2. Cash dividends First quarter - end ¥ Second quarter - end ¥ Annual dividends per share Third quarter - end Fiscal year ended March 31 , 2026 12.00 Fiscal year - end ¥ 16.00 Total ¥ 28.00 Fiscal year ending March 31 , 2027 Fiscal year ending 22.00 22.00 44.00 March 31 , 2027 ( Forecast ) ( Note ) Revisions to the forecast of cash dividends most recently announced : Yes For details , please refer to " Notice of Revision of Consolidated Earnings Forecast for FY2026 and Dividend Forecast ( Dividend Increase ) " released today ( on Aug.5,2026 ) . 3. Consolidated Earnings Forecasts for Fiscal year 2026 , ending March 31 , 2027 ( % : Changes from the corresponding period of the previous fiscal year ) Ordinary profit Six months ending September 30 , 2026 Fiscal year ending March 31 , 2027 ¥ Million 82,000 153,500 32.7 % 37.3 Net income attributable to owners of the parent ¥ Million Basic earnings per share % ¥ 56,000 27.9 59.66 105,000 24.7 111.87 ( Note ) Revisions to the forecast of earnings most recently announced : Yes
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*Notes (1) Significant changes in the scope of consolidation during the period: Yes Newly consolidated : 1 company (Company Name : Wing IT Solutions ,Ltd．) (2) Adoption of accounting treatment specific to the preparation of quarterly consolidated financial statements : None (3) Changes in accounting policies, changes in accounting estimates, and restatement ① Changes in accounting policies due to revisions to accounting standards and other regulations: None ② Changes in accounting policies due to other reasons: None ③ Changes in accounting estimates: None ④ Restatement: None (4) Number of issued shares (common shares) ① Total number of issued shares at the end of the period (including treasury shares) As of June 30, 2026 947,055,218 shares As of March 31, 2026 947,055,218 shares ② Number of treasury shares at the end of the period As of June 30, 2026 8,503,051 shares As of March 31, 2026 8,502,741 shares ③ Average number of shares outstanding during the period Three months ended June 30, 2026 938,552,337 shares Three months ended June 30, 2025 955,723,220 shares * Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: None * Proper use of earnings forecasts, and other special matters The above forecasts are based on the information which is presently available and the certain assumptions which are considered to be reasonable. Actual results may differ from those forecasts depending on various future factors.
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ⅠConsolidated Quarterly Financial Information 1. Consolidated Quarterly Balance Sheet・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・1 2. Consolidated Quarterly Statement of Income and Consolidated Quarterly Statement of Comprehensive Income・・・・・・・・・・・・・・・3 3. Note for Segment Information・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・4 4. Note for Material Changes in Shareholders' Equity・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・4 5. Note for the Assumption of Going Concern・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・4 6. Note for Cash Flows・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・4 7. Note for Subsequent Events・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・4 Ⅱ Financial Data for the Three months ended June 30, 2026 1. Income Status・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・5 2. Interest Rate Spread (Domestic operations)・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・9 3. Gains and Losses on Securities・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・10 4. Unrealized Valuation Gains (Losses)・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・11 5. Status of Disclosed Claims under the Financial Revitalization Law and Risk-monitored Loans・・・・・・・・・・・・・・・・・・・・・・・・・・・・・13 6. Loans and Deposits・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・14 7. Consumer loans / Loans to SMEs・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・14 -------------------------------Table of Contents------------------------------- Consolidated Financial Results for the Three Months Ended June 30, 2026
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Ⅰ Consolidated Quarterly Financial Information 1. Consolidated Quarterly Balance Sheet (Millions of yen） (Japanese) As of March 31, 2026 As of Jun. 30, 2026 (資産の部) 現 金 預 け 金 2,445,163 3,215,299 コ ー ル ロ ー ン 及 び 買 入 手 形261,828 302,456 買 入 金 銭 債 権 5,698 5,590 特 定 取 引 資 産 11,691 12,592 金 銭 の 信 託 2,832 2,834 有 価 証 券 3,848,221 3,862,388 貸 出 金 13,997,655 13,878,979 外 国 為 替 14,922 10,352 リ ー ス 債 権 及 び リ ー ス 投 資 資 産62,483 61,982 そ の 他 資 産 349,341 353,023 有 形 固 定 資 産 107,746 107,664 無 形 固 定 資 産 12,104 12,358 退 職 給 付 に 係 る 資 産 105,971 107,234 繰 延 税 金 資 産 2,871 2,403 支 払 承 諾 見 返 18,298 23,991 貸 倒 引 当 金 (73,233) (71,305) Reserve for devaluation of investment securities投 資 損 失 引 当 金 (8) (139) 資 産 の 部 合 計 21,173,586 21,887,708 (負債の部) 預 金 17,831,757 17,967,294 譲 渡 性 預 金 276,180 331,487 コ ー ル マ ネ ー 及 び 売 渡 手 形74,270 85,118 売 現 先 勘 定 155,610 154,170 債 券 貸 借 取 引 受 入 担 保 金160,194 659,363 特 定 取 引 負 債 8,619 9,629 借 用 金 1,208,817 1,138,675 外 国 為 替 1,818 1,542 信 託 勘 定 借 3,692 3,940 そ の 他 負 債 316,518 347,583 役 員 賞 与 引 当 金 340 － Net defined benefit liability 退 職 給 付 に 係 る 負 債 991 995 役 員 退 職 慰 労 引 当 金 45 34 睡 眠 預 金 払 戻 損 失 引 当 金1,423 1,366 偶 発 損 失 引 当 金 1,892 1,871 ポ イ ン ト 引 当 金 618 593 利 息 返 還 損 失 引 当 金 0 0 特 別 法 上 の 引 当 金 3 3 繰 延 税 金 負 債 27,607 37,564 再 評 価 に 係 る 繰 延 税 金 負 債7,616 7,616 負 の の れ ん 79 39 支 払 承 諾 18,298 23,991 負 債 の 部 合 計 20,096,394 20,772,882 Allowance for loan losses Total Assets Liabilities Provision for contingent loss Call money and bills sold Payables under securities lending transactions Payables under repurchase agreements Acceptances and guarantees Total liabilities Deferred tax assets Deposits Negotiable certificates of deposit Customers' liabilities for acceptances and guarantees Provision for reimbursement of deposits Provision for retirement benefits for directors Trading liabilities Due to trust account Borrowed money Foreign Exchanges Other liabilities Provision for bonuses for directors Provision for point card certificates Reserves under special laws Deferred tax liabilities for land revaluation Negative goodwill Provision for loss on interest repayment Deferred tax liabilities Item Assets Cash and due from banks Call loans and bills bought Net defined benefit asset Monetary claims bought Trading assets Tangible fixed assets Intangible fixed assets Securities Loans and bills discounted Foreign exchanges Other assets Lease receivable and investments in lease Money held in trust － 1 －
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(Millions of yen） (Japanese) As of March 31, 2026 As of Jun. 30, 2026 (純資産の部) 資 本 金 117,495 117,495 資 本 剰 余 金 56,722 56,722 利 益 剰 余 金 764,348 783,813 自 己 株 式 (7,587) (7,587) 株 主 資 本 合 計 930,978 950,443 そ の 他 有 価 証 券 評 価 差 額 金16,374 8,588 繰 延 ヘ ッ ジ 損 益 84,234 111,278 土 地 再 評 価 差 額 金 10,722 10,722 退 職 給 付 に 係 る 調 整 累 計 額34,812 33,734 そ の 他 の 包 括 利 益 累 計 額 合 計146,144 164,323 新 株 予 約 権 32 32 非 支 配 株 主 持 分 36 25 純 資 産 の 部 合 計 1,077,192 1,114,825 負 債 及 び 純 資 産 の 部 合 計21,173,586 21,887,708 (Note) Figures are rounded down to the nearest million. Total liabilities and net assets Capital surplus Total accumulated other comprehensive income Deferred gains (losses) on hedges Unrealized gains on available-for-sale securities Land revaluation surplus Equity warrants Retained earnings Net Assets Capital stock Total net assets Total shareholders’ equity Item Non-controlling interest Defined retirement benefit plans Treasury stock － 2 －
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(1) Consolidated Quarterly Statement of Income (Millions of yen） (Japanese) For the Three months ended Jun.30,2025 For the Three months ended Jun.30,2026 経 常 収 益 99,014 137,903 資 金 運 用 収 益 65,026 79,289 （ う ち 貸 出 金 利 息 ） 38,363 48,554 （ う ち 有 価 証 券 利 息 配 当 金 ）22,013 24,444 信 託 報 酬 12 24 役 務 取 引 等 収 益 15,438 16,899 特 定 取 引 収 益 158 40 そ の 他 業 務 収 益 2,807 1,361 そ の 他 経 常 収 益 15,570 40,287 経 常 費 用 67,323 88,044 資 金 調 達 費 用 19,608 24,507 （ う ち 預 金 利 息 ） 8,057 13,294 役 務 取 引 等 費 用 2,678 2,933 そ の 他 業 務 費 用 4,185 19,771 営 業 経 費 28,617 29,545 そ の 他 経 常 費 用 12,233 11,287 経 常 利 益 31,690 49,858 特 別 利 益 11 － 固 定 資 産 処 分 益 11 － 特 別 損 失 36 91 固 定 資 産 処 分 損 35 90 減 損 損 失 0 1 税 金 等 調 整 前 四 半 期 純 利 益31,665 49,767 法 人 税 、 住 民 税 及 び 事 業 税7,997 13,137 法 人 税 等 調 整 額 1,443 2,124 法 人 税 等 合 計 9,441 15,261 四 半 期 純 利 益 22,224 34,505 非 支 配 株 主 に 帰 属 す る 四 半 期 純 利 益0 0 親 会 社 株 主 に 帰 属 す る 四 半 期 純 利 益22,223 34,504 (Note) Figures are rounded down to the nearest million. (2) Consolidated Quarterly Statement of Comprehensive Income (Millions of yen） (Japanese) For the Three months ended Jun.30,2025 For the Three months ended Jun.30,2026 四 半 期 純 利 益 22,224 34,505 そ の 他 の 包 括 利 益 15,906 18,179 そ の 他 有 価 証 券 評 価 差 額 金13,703 (7,785) 繰 延 ヘ ッ ジ 損 益 2,733 27,043 退 職 給 付 に 係 る 調 整 額 (530) (1,078) 四 半 期 包 括 利 益 38,130 52,684 (内訳） 親 会 社 株 主 に 係 る 四 半 期 包 括 利 益38,129 52,684 非 支 配 株 主 に 係 る 四 半 期 包 括 利 益0 0 Trading income Interest and dividends on securities Interest income 2. Consolidated Quarterly Statement of Income and Consolidated Quarterly Statement of Comprehensive Income Item Ordinary income Interest on deposits Ordinary expenses Interest expenses Fees and commissions Other ordinary income Trust fees General and administrative expenses Other business expenses Fees and commissions payments Interest on loans and bills discounts Other operating expenses Extraordinary losses Income taxes-current Income taxes-deferred Income before income taxes Losses on disposal of fixed assets Impairment loss Other income Extraordinary income Gains on disposal of non-current assets Defined retirement benefit plan Net income attributable to non-controlling interest Comprehensive income attributable to non-controlling interest Ordinary profit Total income taxes Net income Deferred gains (losses) on hedges Comprehensive income Net income attributable to owners of the parent Comprehensive income attributable to owners of the parent Item Net income Other comprehensive income Unrealized gains on available-for-sale securities － 3 －
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3. Note for Segment Information 4. Note for Material Changes in Shareholders' Equity Not applicable. 5. Note for the Assumption of Going Concern Not applicable. 6. Note for Cash Flows (Millions of yen） (Japanese) For the Three months ended Jun.30,2025 For the Three months ended Jun.30,2026 Depreciation and amortization 減価償却費 2,067 2,098 Amortization of goodwill のれんの償却額 － 6 Amortization of negative goodwill 負ののれんの償却額 39 39 7. Note for Subsequent Events Not applicable. The Group provides comprehensive financial services, with a focus on banking services. In addition, the Company's Board of Directors and Management Meeting determine the allocation of management resources within the Group and evaluate its performance. The Group's only reportable segment is banking business. Segment information for businesses other than banking services has been omitted due to lack of significance. Consolidated quarterly statements of cash flows have not been prepared for the first quarter of the current fiscal year. Depreciation and amortization (including amortization related to intangible assets excluding goodwill), amortization of goodwill and amortization of negative goodwill for the first quarter of the current fiscal year are as follows. － 4 －
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Ⅱ Financial Data for the Three months ended June 30, 2026 1. Income Status 【Mebuki Financial Group, Inc. (Consolidated basis) 】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 連 結 粗 利 益 50,406 (6,566) 56,973 214,151 資 金 利 益 54,785 9,365 45,419 206,128 役 務 取 引 等 利 益 13,991 1,219 12,772 50,688 特 定 取 引 利 益 40 (118) 158 689 そ の 他 業 務 利 益 (18,409) (17,032) (1,377) (43,354) 営 業 経 費 29,545 927 28,617 116,766 与 信 関 係 費 用 2,397 (455) 2,853 14,785 貸 出 金 償 却 1,105 (257) 1,362 6,021 個 別 貸 倒 引 当 金 繰 入 額 1,295 (635) 1,931 11,962 一 般 貸 倒 引 当 金 繰 入 額 (114) 243 (358) (1,435) そ の 他 の 与 信 関 係 費 用 111 194 (82) (1,763) 株 式 等 関 係 損 益 30,673 25,173 5,499 29,897 持 分 法 に よ る 投 資 損 益 － － － － そ の 他 721 34 687 3,171 経 常 利 益 【 通 期153,500・ 中 間 期82,000】 49,858 18,168 31,690 115,668 特 別 損 益 (91) (67) (24) 2,377 税 金 等 調 整 前 四 半 期 純 利 益49,767 18,101 31,665 118,046 法 人 税 等 合 計 15,261 5,820 9,441 33,878 法 人 税 、 住 民 税 及 び 事 業 税13,137 5,139 7,997 34,978 法 人 税 等 調 整 額 2,124 680 1,443 (1,100) 四 半 期 純 利 益 34,505 12,280 22,224 84,167 非 支 配 株 主 に 帰 属 す る 四 半 期 純 利 益0 (0) 0 4 親 会 社 株 主 に 帰 属 す る 四 半 期 純 利 益 【 通 期105,000・ 中 間 期56,000】 34,504 12,281 22,223 84,163 Reference (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 連 結 業 務 純 益 （ 一 般 貸 引 繰 入 前 ）19,349 (8,271) 27,620 94,773 連 結 業 務 純 益 19,463 (8,515) 27,978 96,208 （注） 連結業務純益＝連結粗利益－営業経費（除く臨時費用分）－一般貸倒引当金繰入額 Number of Consolidated Companies (Number of companies) As of Jun. 30, 2025 (Reference) (A) (A)-(B) (B) As of March 31, 2026 連 結 子 会 社 数 17 1 16 16 持 分 法 適 用 会 社 数 ― ― ― ― Transfer to general allowance for loan losses Three months ended Jun.30,2026(Japanese) General and administrative expenses Equity in gains (losses) of affiliated companies Gains/losses related to stocks, etc. Ordinary profit 【FY2026 : 153,500 1H2026 : 82,000】 Others Credit related costs Net income Consolidated net business income = Consolidated gross profit － General and administrative expenses(excluding non-recurrent expense)－Transfer to general allowance for loan losses Net income attributable to non-controlling interest Consolidated gross profit Net interest income Net fees and commissions Net trading income Net other business income Number of Consolidated Subsidiaries Number of affiliated companies applicable to the equity method As of Jun. 30, 2026 2．経常利益、親会社株主に帰属する当期（中間）純利益の業績予想値を【 】内に記載しております。 (Note) Consolidated net business income (before general allowance for loan losses) Three months ended Jun.30,2026(Japanese) Consolidated net business income (Japanese) 1. Consolidated gross business profit=[Interest income－(Interest expenses-Corresponding loss on money held in trust)] +(Fees and commissions income+Trust Fee－Fees and commissions expenses)+(Trading income－Trading expenses)+(Other business income－Other business expenses) (Note) 2. Figures in square brackets in the table above are forecasts of ordinary profit and net income attributable to owners of the parent. 1．連結粗利益＝（資金運用収益－（資金調達費用－金銭の信託運用見合費用））＋（役務取引等収益＋信託報酬－役務取引等費用） ＋（特定取引収益－特定取引費用）＋（その他業務収益－その他業務費用） Write-off of loans Income before income taxes Transfer to specific allowance for loan losses Total income taxes Income taxes-current Income taxes-deferred Net income attributable to owners of the parent 【FY2026 : 105,000 1H2026 : 56,000】 Other credit related costs Extraordinary income(losses) (注) － 5 －
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【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 業 務 粗 利 益 48,087 (6,881) 54,969 205,308 Net interest income 資 金 利 益 54,963 9,373 45,590 206,670 (Of which, gains on cancellation of investment trusts)( う ち 投 信 解 約 損 益) 590 380 209 16,885 役 務 取 引 等 利 益 11,468 908 10,559 41,244 特 定 取 引 利 益 16 (112) 128 574 そ の 他 業 務 利 益 (18,360) (17,051) (1,308) (43,180) (Of which, gains/losses on bond transactions)( う ち 国 債 等 債 券 損 益) (19,662) (16,037) (3,624) (54,473) 経 費( 除 く 臨 時 処 理 分) 29,834 1,452 28,382 115,187 人 件 費 16,136 768 15,367 63,039 物 件 費 11,205 451 10,754 44,738 税 金 2,492 232 2,259 7,408 実 質 業 務 純 益 18,253 (8,334) 26,587 90,121 (excluding gains/losses on bond transactions)コ ア 業 務 純 益 37,915 7,703 30,212 144,595 (excluding gains on cancellation of investment trusts)コア業務純益（除く投信解約損益） 37,325 7,323 30,002 127,709 一 般 貸 倒 引 当 金 繰 入 額 ①(189) 255 (445) (1,495) 業 務 純 益 18,442 (8,590) 27,032 91,616 臨 時 損 益 30,295 26,474 3,821 18,945 不 良 債 権 処 理 額 ② 1,991 (900) 2,892 14,282 Write-off of loans 貸 出 金 償 却 1,026 (316) 1,343 5,797 Transfer to specific allowance for loan losses個 別 貸 倒 引 当 金 繰 入 額852 (816) 1,668 10,826 Losses on sales of loans 貸 出 金 売 却 損 － － － 8 Transfer to provision for contingent losses 偶 発 損 失 引 当 金 繰 入 額91 (219) 311 381 Reversal of allowance for loan losses 貸 倒 引 当 金 戻 入 益 － － － － Recoveries of written-off claims 償 却 債 権 取 立 益 372 (390) 763 3,657 Other そ の 他 393 60 333 925 株 式 等 関 係 損 益 30,887 24,940 5,947 30,419 そ の 他 臨 時 損 益 1,399 633 766 2,809 経 常 利 益 48,735 17,882 30,852 110,554 特 別 損 益 (91) (69) (22) 2,755 税 引 前 四 半 期 純 利 益48,643 17,813 30,830 113,310 法 人 税 等 合 計 14,907 5,862 9,044 31,910 法 人 税 、 住 民 税 及 び 事 業 税12,675 5,153 7,522 32,367 法 人 税 等 調 整 額 2,231 709 1,521 (456) 四 半 期 純 利 益 33,736 11,950 21,785 81,399 与 信 関 係 費 用 （ ①+ ② ） 1,802 (645) 2,447 12,787 Three months ended Jun.30,2026(Japanese) Gross business profit Net fees and commissions Net trading income Net other business income Net non-recurrent gains/losses Expenses (excluding non-recurrent expense) Personnel expenses Non-personnel expenses Taxes Net business income (before general allowance for loan losses) Net transfer to general allowance for loan losses① Net business income Credit related costs (①＋②) Ordinary profit Extraordinary income/losses Disposal of non-performing loans② Gains/losses related to stocks, etc. Other non-recurrent gains/losses Income before income taxes Income taxes-deferred Total income taxes Income taxes-current Net Income － 6 －
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【The Joyo Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 業 務 粗 利 益 35,437 3,279 32,157 111,614 Net interest income 資 金 利 益 32,671 6,223 26,448 113,260 (Of which, gains on cancellation of investment trusts)( う ち 投 信 解 約 損 益) 590 380 209 2,369 役 務 取 引 等 利 益 7,145 552 6,592 21,959 特 定 取 引 利 益 16 (112) 128 574 そ の 他 業 務 利 益 (4,396) (3,384) (1,011) (24,180) (Of which, gains/losses on bond transactions)( う ち 国 債 等 債 券 損 益) (5,172) (2,036) (3,135) (34,581) 経 費( 除 く 臨 時 処 理 分) 17,161 1,071 16,090 64,332 人 件 費 9,081 506 8,575 34,964 物 件 費 6,582 388 6,193 25,216 税 金 1,497 176 1,321 4,152 実 質 業 務 純 益 18,275 2,208 16,067 47,281 (excluding gains/losses on bond transactions)コ ア 業 務 純 益 23,448 4,244 19,203 81,862 (excluding gains on cancellation of investment trusts)コア業務純益（除く投信解約損益） 22,857 3,864 18,993 79,492 一 般 貸 倒 引 当 金 繰 入 額 ①(66) 138 (205) 150 業 務 純 益 18,342 2,069 16,272 47,130 臨 時 損 益 16,174 11,932 4,241 21,186 不 良 債 権 処 理 額 ② 1,408 346 1,062 6,840 Write-off of loans 貸 出 金 償 却 417 66 350 2,135 Transfer to specific allowance for loan losses個 別 貸 倒 引 当 金 繰 入 額795 (188) 984 6,140 Losses on sales of loans 貸 出 金 売 却 損 － － － 8 Transfer to provision for contingent losses 偶 発 損 失 引 当 金 繰 入 額70 (19) 89 228 Reversal of allowance for loan losses 貸 倒 引 当 金 戻 入 益 － － － － Recoveries of written-off claims 償 却 債 権 取 立 益 140 (442) 582 2,117 Other そ の 他 266 46 219 444 株 式 等 関 係 損 益 16,347 11,691 4,655 25,383 そ の 他 臨 時 損 益 1,236 587 648 2,643 経 常 利 益 34,517 14,002 20,514 68,317 特 別 損 益 (90) (71) (18) 2,820 税 引 前 四 半 期 純 利 益34,426 13,930 20,495 71,138 法 人 税 等 合 計 10,529 4,514 6,014 20,120 法 人 税 、 住 民 税 及 び 事 業 税9,268 4,129 5,139 20,059 法 人 税 等 調 整 額 1,261 385 875 60 四 半 期 純 利 益 23,897 9,416 14,480 51,018 与 信 関 係 費 用 （ ①+ ② ） 1,342 485 857 6,990 Three months ended Jun.30,2026 Expenses (excluding non-recurrent expense) (Japanese) Net fees and commissions Net trading income Net other business income Gross business profit Personnel expenses Non-personnel expenses Taxes Total income taxes Net Income Net business income (before general allowance for loan losses) Net transfer to general allowance for loan losses① Net business income Net non-recurrent gains/losses Disposal of non-performing loans② Gains/losses related to stocks, etc. Other non-recurrent gains/losses Ordinary profit Extraordinary income/losses Income before income taxes Credit related costs (①＋②) Income taxes-current Income taxes-deferred － 7 －
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【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 業 務 粗 利 益 12,650 (10,161) 22,811 93,694 Net interest income 資 金 利 益 22,291 3,149 19,142 93,409 (Of which, gains on cancellation of investment trusts)( う ち 投 信 解 約 損 益) － － － 14,515 役 務 取 引 等 利 益 4,322 356 3,966 19,285 特 定 取 引 利 益 － － － － そ の 他 業 務 利 益 (13,964) (13,667) (297) (19,000) (Of which, gains/losses on bond transactions)( う ち 国 債 等 債 券 損 益) (14,490) (14,001) (489) (19,892) 経 費( 除 く 臨 時 処 理 分) 12,673 381 12,291 50,854 人 件 費 7,054 262 6,792 28,075 物 件 費 4,623 62 4,560 19,522 税 金 994 55 938 3,256 実 質 業 務 純 益 (22) (10,542) 10,520 42,839 (excluding gains/losses on bond transactions)コ ア 業 務 純 益 14,467 3,458 11,009 62,732 (excluding gains on cancellation of investment trusts)コア業務純益（除く投信解約損益） 14,467 3,458 11,009 48,216 一 般 貸 倒 引 当 金 繰 入 額 ① － 240 (240) (1,646) 業 務 純 益 (22) (10,782) 10,760 44,485 臨 時 損 益 14,243 14,664 (420) (2,240) 不 良 債 権 処 理 額 ② 459 (1,370) 1,830 7,442 Write-off of loans 貸 出 金 償 却 609 (382) 992 3,661 Transfer to specific allowance for loan losses個 別 貸 倒 引 当 金 繰 入 額 － (684) 684 4,685 Losses on sales of loans 貸 出 金 売 却 損 － － － － Transfer to provision for contingent losses 偶 発 損 失 引 当 金 繰 入 額21 (200) 221 153 Reversal of allowance for loan losses 貸 倒 引 当 金 戻 入 益 65 65 － － Recoveries of written-off claims 償 却 債 権 取 立 益 232 51 181 1,539 Other そ の 他 126 13 113 481 株 式 等 関 係 損 益 14,540 13,248 1,292 5,036 そ の 他 臨 時 損 益 162 45 117 165 経 常 利 益 14,218 3,880 10,337 42,237 特 別 損 益 (1) 1 (3) (65) 税 引 前 四 半 期 純 利 益14,216 3,882 10,334 42,171 法 人 税 等 合 計 4,377 1,348 3,029 11,790 法 人 税 、 住 民 税 及 び 事 業 税3,407 1,024 2,382 12,307 法 人 税 等 調 整 額 970 324 646 (516) 四 半 期 純 利 益 9,839 2,534 7,305 30,381 与 信 関 係 費 用 （ ①+ ② ） 459 (1,130) 1,590 5,796 Three months ended Jun.30,2026 Net other business income (Japanese) Net Income Income taxes-current Income taxes-deferred Credit related costs (①＋②) Other non-recurrent gains/losses Ordinary profit Extraordinary income/losses Income before income taxes Total income taxes Expenses (excluding non-recurrent expense) Net fees and commissions Net trading income Gross business profit Gains/losses related to stocks, etc. Net business income Non-personnel expenses Taxes Net business income (before general allowance for loan losses) Net transfer to general allowance for loan losses① Net non-recurrent gains/losses Disposal of non-performing loans② Personnel expenses ［(123)］ ［57］ － 8 －
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2. Interest Rate Spread (Domestic operations) 【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】 (％） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 資 金 運 用 利 回 1.35 0.29 1.06 1.21 貸 出 金 利 回 1.34 0.23 1.11 1.19 有 価 証 券 利 回 2.10 0.52 1.58 2.10 資 金 調 達 原 価 0.92 0.16 0.76 0.81 預 金 等 利 回 0.29 0.12 0.17 0.20 外 部 負 債 利 回 0.27 0.18 0.09 0.16 総 資 金 利 鞘 0.43 0.13 0.30 0.40 【The Joyo Bank, Ltd. (Non-consolidated basis)】 (％） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 資 金 運 用 利 回 1.34 0.32 1.02 1.11 貸 出 金 利 回 1.32 0.24 1.08 1.16 有 価 証 券 利 回 2.08 0.63 1.45 1.59 資 金 調 達 原 価 0.90 0.18 0.72 0.76 預 金 等 利 回 0.30 0.13 0.17 0.21 外 部 負 債 利 回 0.23 0.16 0.07 0.13 総 資 金 利 鞘 0.44 0.14 0.30 0.35 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (％） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 資 金 運 用 利 回 1.36 0.24 1.12 1.36 貸 出 金 利 回 1.37 0.23 1.14 1.22 有 価 証 券 利 回 2.12 0.31 1.81 2.97 資 金 調 達 原 価 0.96 0.14 0.82 0.87 預 金 等 利 回 0.29 0.13 0.16 0.19 外 部 負 債 利 回 0.37 0.22 0.15 0.24 総 資 金 利 鞘 0.40 0.10 0.30 0.49 Average yield on loans and bills discounted Average yield on securities Average yield on interest bearing liabilities ② Average yield on call money and borrowed money Average interest rate spread (①－②) Average interest rate spread (①－②) Average yield on interest earning assets ① Average yield on loans and bills discounted Average yield on securities Average yield on interest earning assets ① Average yield on loans and bills discounted Average yield on securities Average yield on deposits and negotiable certificates of deposit Average yield on call money and borrowed money Average yield on interest bearing liabilities ② Average interest rate spread (①－②) Three months ended Jun.30,2026 Three months ended Jun.30,2026 Three months ended Jun.30,2026 Average yield on interest bearing liabilities ② Average yield on deposits and negotiable certificates of deposit (Japanese) (Japanese) Average yield on deposits and negotiable certificates of deposit Average yield on call money and borrowed money (Japanese) Average yield on interest earning assets ① － 9 －
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3. Gains and Losses on Securities (1) Gains and losses on bond transactions 【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 国 債 等 債 券 損 益 (19,662) (16,037) (3,624) (54,473) 売 却 益 44 (458) 502 2,415 償 還 益 － － － － 売 却 損 19,706 15,579 4,127 56,889 償 還 損 － － － － 償 却 － － － － 【The Joyo Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 国 債 等 債 券 損 益 (5,172) (2,036) (3,135) (34,581) 売 却 益 44 (293) 337 1,648 償 還 益 － － － － 売 却 損 5,216 1,742 3,473 36,229 償 還 損 － － － － 償 却 － － － － 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 国 債 等 債 券 損 益 (14,490) (14,001) (489) (19,892) 売 却 益 － (164) 164 767 償 還 益 － － － － 売 却 損 14,490 13,836 653 20,659 償 還 損 － － － － 償 却 － － － － (2)Gains and losses related to stocks, etc. 【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 株 式 等 関 係 損 益 30,887 24,940 5,947 30,419 売 却 益 31,095 24,481 6,614 31,801 売 却 損 208 (458) 666 1,380 償 却 － (0) 0 1 【The Joyo Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 株 式 等 関 係 損 益 16,347 11,691 4,655 25,383 売 却 益 16,555 11,242 5,313 26,653 売 却 損 208 (449) 657 1,268 償 却 － (0) 0 1 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） Three months ended Jun.30,2025 (Reference) FY2025 (A) (A)-(B) (B) 株 式 等 関 係 損 益 14,540 13,248 1,292 5,036 売 却 益 14,540 13,239 1,301 5,147 売 却 損 － (9) 9 111 償 却 － － － － (Japanese) (Japanese) Gains on sales Gains on redemption Losses on sales Losses on redemption Gains/losses on bond transactions (Japanese) (Japanese) Write-offs Gains/losses on bond transactions (Japanese) Gains/losses on bond transactions Gains on sales Gains on redemption Losses on sales Losses on redemption Write-offs (Japanese) Gains on sales Losses on sales Write-offs Gains/losses related to stocks, etc. Gains on sales Losses on sales Write-offs Gains on sales Gains on redemption Losses on sales Gains/losses related to stocks, etc. Gains/losses related to stocks, etc. Gains on sales Losses on sales Write-offs Losses on redemption Write-offs Three months ended Jun.30,2026 Three months ended Jun.30,2026 Three months ended Jun.30,2026 Three months ended Jun.30,2026 Three months ended Jun.30,2026 Three months ended Jun.30,2026 － 10 －
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4． Unrealized Valuation Gains (Losses) 【Mebuki Financial Group, Inc. (Consolidated basis) 】 (Millions of yen） (A) (A)-(B) Valuation gains Valuation losses (B) Valuation gains Valuation losses 満 期 保 有 目 的 235,245 (20,913) (3,278) 19 20,933 231,084 (17,635) 18 17,654 債 券 235,245 (20,913) (3,278) 19 20,933 231,084 (17,635) 18 17,654 そ の 他 － － － － － － － － － そ の 他 有 価 証 券3,565,880 10,882 (11,248) 237,963 227,081 3,557,197 22,130 235,901 213,770 株 式 276,511 162,575 (2,067) 163,476 901 288,124 164,642 165,431 788 債 券 1,955,231 (211,594) (14,955) 200 211,795 1,901,481 (196,639) 8 196,647 そ の 他 1,334,137 59,901 5,774 74,287 14,385 1,367,591 54,127 70,462 16,335 合 計 3,801,125 (10,031) (14,526) 237,983 248,014 3,788,281 4,494 235,919 231,425 株 式 276,511 162,575 (2,067) 163,476 901 288,124 164,642 165,431 788 債 券 2,190,477 (232,508) (18,233) 219 232,728 2,132,565 (214,274) 26 214,301 そ の 他 1,334,137 59,901 5,774 74,287 14,385 1,367,591 54,127 70,462 16,335 【Deferred gains (losses) on hedges corresponding to available-for-sale securities】 Derivatives are used to reduce the risk of market value fluctuations of securities. 有価証券の時価変動リスクを低減する目的で、デリバティブを使用しております。 (Millions of yen） As of March 31, 2026 Unrealized valuation gains (losses) (A) (A)-(B) (B) 合 計 156,272 38,553 117,719 常 陽 銀 行 （ 単 体 ） 86,297 23,607 62,690 Hedges for stocks株式に対するヘッジ － 3,093 (3,093) Hedges for bonds債券に対するヘッジ 79,973 19,572 60,401 Hedges for others (foreign bonds) その他（外国債券）に 対 す る ヘ ッ ジ 6,323 941 5,381 足 利 銀 行 （ 単 体 ） 69,975 14,945 55,029 Hedges for stocks株式に対するヘッジ － － － Hedges for bonds債券に対するヘッジ 69,975 14,945 55,029 Hedges for others (foreign bonds) その他（外国債券）に 対 す る ヘ ッ ジ － － － Net unrealized valuation gains (losses) on available-for-sale securities, after considering the effect of deferred gains (losses) on hedges 繰延ヘッジ損益考慮後のその他有価証券の評価損益 (Millions of yen） As of March 31, 2026 Unrealized valuation gains (losses) (A) (A)-(B) (B) そ の 他 有 価 証 券 （ ヘ ッ ジ 考 慮 後 ）167,155 27,305 139,850 株 式 162,575 1,026 161,548 債 券 (61,645) 19,561 (81,207) そ の 他 66,225 6,716 59,509 (Millions of yen） As of March 31, 2026 As of March 31, 2026 As of March 31, 2026 Unrealized valuation gains (losses) Unrealized valuation gains (losses) Unrealized valuation gains (losses) (A) (A)-(B) (B) (A) (A)-(B) (B) (A) (A)-(B) (B) そ の 他 有 価 証 券 （ ヘ ッ ジ 考 慮 後 ）180,714 26,870 153,843 156,219 21,999 134,219 24,494 4,871 19,623 株 式 173,162 775 172,387 140,407 (767) 141,175 32,755 1,543 31,212 債 券 (59,927) 19,378 (79,306) (29,043) 6,912 (35,956) (30,884) 12,465 (43,349) そ の 他 67,479 6,716 60,762 44,855 15,854 29,000 22,623 (9,137) 31,761 Bonds As of Jun. 30, 2026 As of March 31, 2026 Carrying Amount Unrealized valuation gains (losses) Carrying Amount Unrealized valuation gains (losses) Held-to-maturity Bonds Others Available-for-sale Stocks Available-for-sale （After considering hedging） The Ashikaga Bank, Ltd. (Non-consolidated basis) Others Total Stocks Bonds Others (Note) 1. "Available-for-sale" is valued at market price.Consequentry, figures in the above table show the differences between the acquisition cost and the balance sheet amount. 2. In addition to securities, figures in the above include negotiable deposit recognized as "cash and due from banks". (注) １．「その他有価証券」については時価評価しておりますので、上記の表上は、貸借対照表計上額と取得価額との差額を計上しております。 ２．「有価証券」のほか、「現金預け金」中の譲渡性預金も含めております。 Deferred gains (losses) on hedges As of Jun. 30, 2026 Unrealized valuation gains (losses) Unrealized valuation gains (losses) Stocks Others Bonds Available-for-sale （After considering hedging） Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)The Joyo Bank, Ltd. (Non-consolidated basis)The Ashikaga Bank, Ltd. (Non-consolidated basis) As of Jun. 30, 2026 As of Jun. 30, 2026 As of Jun. 30, 2026 Bonds Others Stocks Unrealized valuation gains (losses) Unrealized valuation gains (losses) Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.) The Joyo Bank, Ltd. (Non-consolidated basis) Mebuki Financial Group, Inc. (Consolidated basis) As of Jun. 30, 2026 Unrealized valuation gains (losses) － 11 －
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Unrealized Valuation Gains (Losses) 【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】 (Millions of yen） (A) (A)-(B) Valuation gains Valuation losses (B) Valuation gains Valuation losses 満 期 保 有 目 的225,018 (17,380) (3,545) 837 18,217 220,699 (13,835) 876 14,711 債 券 225,018 (17,380) (3,545) 837 18,217 220,699 (13,835) 876 14,711 そ の 他 － － － － － － － － － その他 有価 証券3,565,470 24,441 (11,682) 249,298 224,857 3,556,790 36,123 247,672 211,549 株 式 276,066 173,162 (2,318) 173,913 750 287,717 175,481 176,238 757 債 券 1,955,266 (209,876) (15,139) 200 210,077 1,901,481 (194,737) 8 194,745 そ の 他 1,334,137 61,155 5,774 75,184 14,029 1,367,591 55,380 71,426 16,045 合 計 3,790,489 7,060 (15,228) 250,135 243,074 3,777,489 22,288 248,549 226,260 株 式 276,066 173,162 (2,318) 173,913 750 287,717 175,481 176,238 757 債 券 2,180,285 (227,257) (18,684) 1,037 228,294 2,122,180 (208,572) 884 209,457 そ の 他 1,334,137 61,155 5,774 75,184 14,029 1,367,591 55,380 71,426 16,045 【The Joyo Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） (A) (A)-(B) Valuation gains Valuation losses (B) Valuation gains Valuation losses 満 期 保 有 目 的77,358 (1,744) 62 11 1,756 78,799 (1,807) 12 1,820 債 券 77,358 (1,744) 62 11 1,756 78,799 (1,807) 12 1,820 そ の 他 － － － － － － － － － その他 有価 証券2,271,129 69,921 (1,607) 189,057 119,135 2,290,090 71,529 180,579 109,049 株 式 234,782 140,407 (3,861) 141,053 645 247,943 144,269 144,975 706 債 券 1,158,829 (109,017) (12,659) 184 109,202 1,154,969 (96,358) 1 96,359 そ の 他 877,517 38,531 14,912 47,819 9,287 887,177 23,618 35,601 11,983 合 計 2,348,488 68,176 (1,545) 189,068 120,892 2,368,890 69,722 180,592 110,870 株 式 234,782 140,407 (3,861) 141,053 645 247,943 144,269 144,975 706 債 券 1,236,188 (110,762) (12,596) 196 110,958 1,233,769 (98,165) 14 98,180 そ の 他 877,517 38,531 14,912 47,819 9,287 887,177 23,618 35,601 11,983 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） (A) (A-B) Valuation gains Valuation losses (B) Valuation gains Valuation losses 満 期 保 有 目 的147,660 (15,636) (3,608) 825 16,461 141,899 (12,027) 863 12,891 債 券 147,660 (15,636) (3,608) 825 16,461 141,899 (12,027) 863 12,891 そ の 他 － － － － － － － － － その他 有価 証券1,294,340 (45,480) (10,074) 60,241 105,721 1,266,699 (35,405) 67,093 102,499 株 式 41,284 32,755 1,543 32,860 105 39,773 31,212 31,262 50 債 券 796,436 (100,859) (2,479) 15 100,874 746,511 (98,379) 6 98,385 そ の 他 456,619 22,623 (9,137) 27,365 4,741 480,414 31,761 35,824 4,062 合 計 1,442,000 (61,116) (13,683) 61,066 122,182 1,408,599 (47,433) 67,957 115,390 株 式 41,284 32,755 1,543 32,860 105 39,773 31,212 31,262 50 債 券 944,096 (116,495) (6,088) 840 117,336 888,411 (110,407) 869 111,277 そ の 他 456,619 22,623 (9,137) 27,365 4,741 480,414 31,761 35,824 4,062 As of March 31, 2026 Unrealized valuation gains (losses)Carrying Amount As of March 31, 2026 Others As of Jun. 30, 2026 Others Held-to-maturity Carrying Amount Unrealized valuation gains (losses) Bonds Held-to-maturity Available-for-sale Others Total Stocks Carrying Amount Unrealized valuation gains (losses) Available-for-sale Bonds Total Bonds As of Jun. 30, 2026 Stocks Others Stocks Carrying Amount Unrealized valuation gains (losses) Carrying Amount Unrealized valuation gains (losses) Bonds Stocks Bonds Others As of Jun. 30, 2026 As of March 31, 2026 Carrying Amount Unrealized valuation gains (losses) Others Bonds Others Held-to-maturity Available-for-sale Stocks Bonds Total Bonds Others Others Bonds Stocks － 12 －
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5. Status of Disclosed Claims under the Financial Revitalization Law and Risk-monitored Loans 【Mebuki Financial Group, Inc. (Consolidated basis) 】 (Millions of yen） As of Jun. 30, 2025 As of March 31, 2026 (A) (A)-(B) (A)-(C) (B) (C) Bankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権13,928 1,478 921 12,449 13,006 Doubtful claims 危 険 債 権 137,206 (3,696) (3,960) 140,903 141,167 Claims requiring monitoring 要 管 理 債 権 22,812 (2,574) 404 25,386 22,407 Loans past due 3 month or more 三 月 以 上 延 滞 債 権 298 134 123 164 175 Restructured loans 貸 出 条 件 緩 和 債 権 22,513 (2,708) 280 25,222 22,232 Total risk-monitored loans ① 開 示 債 権 合 計 (1) 173,947 (4,792) (2,634) 178,739 176,581 Normal Borrowers 正 常 債 権 13,871,571 791,426 (111,540) 13,080,145 13,983,112 Total Amount of Loans ② 貸 出 金 等 残 高 （ 総 与 信 残 高 ）(2) 14,045,518 786,633 (114,174) 13,258,885 14,159,693 Ratio toward total amount of loans 貸 出 金 等 残 高 比 Bankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権0.09% 0.00% 0.00% 0.09% 0.09% Doubtful claims 危 険 債 権 0.97% (0.09%) (0.02%) 1.06% 0.99% Claims requiring monitoring 要 管 理 債 権 0.16% (0.03%) 0.01% 0.19% 0.15% Loans past due 3 month or more三 月 以 上 延 滞 債 権 額 0.00% 0.00% 0.00% 0.00% 0.00% Restructured loans 貸 出 条 件 緩 和 債 権 額 0.16% (0.03%) 0.01% 0.19% 0.15% Ratio of Disclosed claims toward total loans（①/②）貸 出 金 等 残 高 に 占 め る 割 合 （1)/(2) 1.23% (0.11%) (0.01%) 1.34% 1.24% 【The Joyo Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） As of Jun. 30, 2025 As of March 31, 2026 (A) (A)-(B) (A)-(C) (B) (C) Bankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権5,526 588 1,159 4,937 4,366 Doubtful claims 危 険 債 権 72,565 571 (2,937) 71,993 75,502 Claims requiring monitoring 要 管 理 債 権 8,513 1,622 714 6,890 7,799 Loans past due 3 month or more 三 月 以 上 延 滞 債 権 130 103 8 26 121 Restructured loans 貸 出 条 件 緩 和 債 権 8,382 1,519 705 6,863 7,677 Total risk-monitored loans ① 開 示 債 権 合 計 (1) 86,605 2,783 (1,063) 83,821 87,668 Normal Borrowers 正 常 債 権 8,272,861 530,332 (9,491) 7,742,528 8,282,352 Total Amount of Loans ② 貸 出 金 等 残 高 （ 総 与 信 残 高 ）(2) 8,359,466 533,116 (10,554) 7,826,350 8,370,020 Ratio toward total amount of loans 貸 出 金 等 残 高 比 Bankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権0.06% 0.00% 0.01% 0.06% 0.05% Doubtful claims 危 険 債 権 0.86% (0.05%) (0.04%) 0.91% 0.90% Claims requiring monitoring 要 管 理 債 権 0.10% 0.02% 0.01% 0.08% 0.09% Loans past due 3 month or more三 月 以 上 延 滞 債 権 額 0.00% 0.00% 0.00% 0.00% 0.00% Restructured loans 貸 出 条 件 緩 和 債 権 額 0.10% 0.02% 0.01% 0.08% 0.09% Ratio of Disclosed claims toward total loans（①/②）貸 出 金 等 残 高 に 占 め る 割 合 （1)/(2) 1.03% (0.04%) (0.01%) 1.07% 1.04% 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） As of Jun. 30, 2025 As of March 31, 2026 (A) (A)-(B) (A)-(C) (B) (C) Bankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権7,641 905 (331) 6,735 7,973 Doubtful claims 危 険 債 権 64,632 (4,265) (1,022) 68,898 65,654 Claims requiring monitoring 要 管 理 債 権 14,298 (4,196) (309) 18,495 14,608 Loans past due 3 month or more 三 月 以 上 延 滞 債 権 168 31 114 137 53 Restructured loans 貸 出 条 件 緩 和 債 権 14,130 (4,227) (424) 18,358 14,555 Total risk-monitored loans ① 開 示 債 権 合 計 (1) 86,573 (7,556) (1,663) 94,129 88,236 Normal Borrowers 正 常 債 権 5,763,968 263,848 (96,769) 5,500,119 5,860,737 Total Amount of Loans ② 貸 出 金 等 残 高 （ 総 与 信 残 高 ）(2) 5,850,541 256,292 (98,432) 5,594,249 5,948,974 Ratio toward total amount of loans 貸 出 金 等 残 高 比 Bankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権0.13% 0.01% 0.00% 0.12% 0.13% Doubtful claims 危 険 債 権 1.10% (0.13%) 0.00% 1.23% 1.10% Claims requiring monitoring 要 管 理 債 権 0.24% (0.09%) 0.00% 0.33% 0.24% Loans past due 3 month or more三 月 以 上 延 滞 債 権 額 0.00% 0.00% 0.00% 0.00% 0.00% Restructured loans 貸 出 条 件 緩 和 債 権 額 0.24% (0.08%) 0.00% 0.32% 0.24% Ratio of Disclosed claims toward total loans（①/②）貸 出 金 等 残 高 に 占 め る 割 合 （1)/(2) 1.47% (0.21%) (0.01%) 1.68% 1.48% (Japanese) As of Jun. 30, 2026 (Japanese) As of Jun. 30, 2026 (Japanese) As of Jun. 30, 2026 － 13 －
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6. Loans and Deposits 【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】 (Millions of yen) As of Jun. 30, 2025 As of March 31, 2026 (A) (A-B) (A-C) (B) (C) (Term-end balance) 預 金 （ 末 残 ） 18,004,170 343,126 144,313 17,661,044 17,859,857 (Average balance) 預 金 （ 平 残 ） 17,743,343 280,554 286,307 17,462,788 17,457,036 (Term-end balance) 貸 出 金 （ 末 残 ） 14,043,306 796,137 (113,574) 13,247,168 14,156,880 (Average balance) 貸 出 金 （ 平 残 ） 14,029,000 802,302 556,664 13,226,697 13,472,335 【The Joyo Bank, Ltd. (Non-consolidated basis)】 (Millions of yen) As of Jun. 30, 2025 As of March 31, 2026 (A) (A-B) (A-C) (B) (C) (Term-end balance) 預 金 （ 末 残 ） 10,796,476 170,780 202,597 10,625,695 10,593,879 (Average balance) 預 金 （ 平 残 ） 10,643,285 157,909 165,215 10,485,376 10,478,070 (Term-end balance) 貸 出 金 （ 末 残 ） 8,260,030 532,543 (16,017) 7,727,487 8,276,048 (Average balance) 貸 出 金 （ 平 残 ） 8,250,637 537,085 398,494 7,713,551 7,852,142 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Millions of yen) As of Jun. 30, 2025 As of March 31, 2026 (A) (A-B) (A-C) (B) (C) (Term-end balance) 預 金 （ 末 残 ） 7,207,693 172,345 (58,284) 7,035,348 7,265,977 (Average balance) 預 金 （ 平 残 ） 7,100,057 122,645 121,092 6,977,412 6,978,965 (Term-end balance) 貸 出 金 （ 末 残 ） 5,783,275 263,593 (97,557) 5,519,681 5,880,832 (Average balance) 貸 出 金 （ 平 残 ） 5,778,362 265,217 158,169 5,513,145 5,620,193 7. Consumer loans / Loans to SMEs 【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】 (Millions of yen) As of Jun. 30, 2025 As of March 31, 2026 (A) (A)-(B) (A-C) (B) (C) 消 費 者 ロ ー ン 残 高5,378,689 143,787 21,302 5,234,902 5,357,386 う ち 住 宅 関 連 ロ ー ン 残 高5,077,440 115,988 13,387 4,961,452 5,064,053 住 宅 ロ ー ン 残 高 4,292,432 132,102 21,748 4,160,330 4,270,683 ア パ ー ト ロ ー ン 残 高784,022 (15,909) (8,325) 799,932 792,347 資 産 形 成 ロ ー ン 残 高986 (203) (36) 1,189 1,022 中 小 企 業 等 貸 出 金 残 高9,643,424 314,983 (41,101) 9,328,440 9,684,526 中 小 企 業 等 貸 出 比 率68.66% (1.75%) 0.26% 70.41% 68.40% 【The Joyo Bank, Ltd. (Non-consolidated basis)】 (Millions of yen) As of Jun. 30, 2025 As of March 31, 2026 (A) (A)-(B) (A-C) (B) (C) 消 費 者 ロ ー ン 残 高2,971,180 89,715 16,698 2,881,464 2,954,481 う ち 住 宅 関 連 ロ ー ン 残 高2,802,895 76,306 12,886 2,726,589 2,790,009 住 宅 ロ ー ン 残 高 2,188,304 91,662 20,052 2,096,642 2,168,251 ア パ ー ト ロ ー ン 残 高613,604 (15,152) (7,129) 628,757 620,734 資 産 形 成 ロ ー ン 残 高986 (203) (36) 1,189 1,022 中 小 企 業 等 貸 出 金 残 高5,214,833 185,356 (13,332) 5,029,477 5,228,166 中 小 企 業 等 貸 出 比 率63.13% (1.95%) (0.04%) 65.08% 63.17% 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Millions of yen) As of Jun. 30, 2025 As of March 31, 2026 (A) (A)-(B) (A-C) (B) (C) 消 費 者 ロ ー ン 残 高2,407,509 54,071 4,604 2,353,438 2,402,905 う ち 住 宅 関 連 ロ ー ン 残 高2,274,544 39,682 500 2,234,862 2,274,044 住 宅 ロ ー ン 残 高 2,104,127 40,439 1,696 2,063,688 2,102,431 ア パ ー ト ロ ー ン 残 高170,417 (756) (1,195) 171,174 171,612 中 小 企 業 等 貸 出 金 残 高4,428,590 129,627 (27,768) 4,298,963 4,456,359 中 小 企 業 等 貸 出 比 率76.57% (1.31%) 0.80% 77.88% 75.77% (Japanese) As of Jun. 30, 2026 Consumer loans Of which, housing-related loans Asset building loans (Japanese) As of Jun. 30, 2026 Consumer loans Loans to SME and Individual customers (SMEs) Ratio of loans to SMEs (Japanese) Of which, housing-related loans Asset building loans (Japanese) As of Jun. 30, 2026 As of Jun. 30, 2026 Consumer loans (Japanese) As of Jun. 30, 2026 (Japanese) As of Jun. 30, 2026 Housing loans Deposits Loans and bills discounted Loans to SME and Individual customers (SMEs) Ratio of loans to SMEs Loans to SME and Individual customers (SMEs) Ratio of loans to SMEs Of which, housing-related loans Housing loans Loans and bills discounted Deposits Deposits Loans and bills discounted Housing loans Apartment loans Apartment loans Apartment loans － 14 －