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IR Day Balance Sheet Management in a World with Interest Rates October 16, 2026
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1Yokohama Financial Group, Inc. IR DayCopyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Table of Contents Balance Sheet Management in a World with Interest Rates Today’s Key Messages P.2 Balance Sheet Overview P.3 Liquidity Risk P.5 Interest Rate Risk P.6 Trends in Average Balance and Yield of Deposits P.7 Funding Direction P.8 Trends in Average Balance and Yield of Loans P.9 Loan Asset Quality P.10 Building a Securities Portfolio Centered on Yen Bonds P.11 Outlook for Held-to-Maturity Yen Bond Balance P.12 Policy Shareholdings P.13 Risk Assets and RORA by Asset Class P.14 ROE and RORA P.15 Comprehensive Income P.16 Capital Allocation P.17 ROE Outlook during the Medium-Term Management Plan Period P.18
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 2Yokohama Financial Group, Inc. IR Day Today’s Key Messages Volume Interest Rate Liquidity Capital Current Status Loans*1: ¥17.6 tn Deposits*1: ¥20.4 tn Loan pass-through rate: 78% Deposit pass-through rate: 44% Loan to deposit ratio*1: 86.3% NSFR*1: 126.0% / LCR*1: 121.6% Common equity Tier 1 ratio Approx. 11.5%*2 Direction ◼ Expand the loan balance, focusing on assets with high RORA ◼ While pursuing balance growth, place greater emphasis on improving RORA/ROA ◼ Focus on expanding the deposit balance while controlling deposit costs ◼ Maintain and expand interest margins through profitability- focused pricing ◼ Manage risk with an eye not only to current interest rate increases but also to medium- to long-term interest rate declines ◼ Shift funds from BOJ current accounts and low-return bonds to loans and other assets ◼ Curb the expansion of low- liquidity assets ◼ Secure funding sources other than deposits ◼ Control the common equity Tier 1 ratio*2 within the range of 10.5% to 11.5% ◼ Utilize capital to expand risk- taking and execute strategic investments ◼ Maintain a payout ratio of approx. 40% ◼ Purchase treasury shares flexibly Achieve sustainable ROE growth through balance sheet management with a stronger focus on improving RORA Control volume, interest rates, liquidity and capital in an integrated manner across the balance sheet *1 Figures for loans, deposits and the loan to deposit ratio are as of the end of June 2026; LCR and NSFR are for FY26-1Q *2 Finalized and fully implemented Basel III basis (excluding valuation difference on available-for-sale securities)
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 3Yokohama Financial Group, Inc. IR Day Balance Sheet Overview Borrowings NSFR LCR Loan to Deposit Ratio Loans*1 Securities*1 Deposits NSFR, LCR and Loan to Deposit Ratio*3 Corporates Individuals Public Sectors ¥9.5 tn (54%) ¥7.1 tn (41%) ¥0.6 tn (3%) ¥17.3 tn Breakdown of Loan Balance Variable rate Fixed rate 72% 27% Proportion of Variable and Fixed Rates Available- for-sale Held-to- maturity ¥2.1 tn (70%) ¥0.8 tn (27%) ¥3.0 tn Breakdown of Securities Balance ¥1.1 tn (52%) ¥0.3 tn (14%) ¥0.7 tn (33%) Breakdown of Available-for-Sale Securities Yen bonds Equity securities Diversified investment ¥5.1 tn (25%) ¥13.9 tn (68%) ¥1.2 tn (6%) ¥20.3 tn Breakdown of Deposit Balance*1 Liquid deposits Fixed deposits 78% 20% Proportion of Liquid and Fixed Deposits*2 Total assets ¥25.0 tn Liabilities ¥23.6 tn Deposits (Consolidated) ¥20.4 tn (YoY (¥0.1 tn)) Loan to deposit ratio 86.3% Loans (Consolidated) ¥17.6 tn (YoY +¥0.4 tn) Loans*1 ¥17.3 tn (YoY +¥0.5 tn) Securities*1 ¥3.0 tn (YoY +¥0.0 tn) BOJ current accounts ¥3.3 tn (YoY (¥0.3 tn)) Deposits*1 ¥20.3 tn (YoY (¥0.2 tn)) Net assets ¥1.4 tn *1 Three banks combined. Loans: domestic branches (including foreign currencies). Deposits: domestic branches (including foreign currencies and negotiable certificates of deposit) *2 Three banks combined. Domestic branches (including foreign currencies, excluding negotiable certificates of deposit) *3 NSFR and LCR are figures for the first quarter of FY26. The loan to deposit ratio is as of the end of June 2026. Corporates Individuals Public Sectors, etc. 126.0% 121.6% 86.3% Balance Sheet (Jun-26) Balance sheet consisting of ¥25 tn in total assets, ¥20 tn in deposits, and ¥17 tn in loans
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4Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Yokohama Financial Group, Inc. IR Day 1.7 1.7 1.9 1.9 1.2 1.1 1.1 1.0 81.6% 81.0% 83.5% 86.3% Balance Sheet Overview Yen bonds Others 2.9 3.0(¥ tn) Loan to deposit ratio ■ Loans ■ Deposits 20.3 16.6 16.7 17.6 20.6 21.1 (¥ tn) ■ BOJ current accounts ■ BOJ borrowings (¥ tn) 3.8 1.8 4.0 1.9 3.9 1.8 3.3 1.8 3.02.9 Yen bond ratio 20.4 17.6 Decrease in public sectors deposits, etc. Trends in Balance of Loans and Deposits / LDR*1 Trends in BOJ Current Accounts and BOJ Borrowings While loan to deposit ratio has risen, highly liquid assets provide continued capacity for loan growth Trends in Securities Portfolio (Three Banks Combined) Mar-24 Mar-25 Mar-26 Jun-26 Mar-24 Mar-25 Mar-26 Jun-26 Mar-24 Mar-25 Mar-26 Jun-26 58% 60% 63% 64% *1 Loan to deposit ratio
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 5Yokohama Financial Group, Inc. IR Day 126.7% 128.4% 127.2% 126.0% 119.1% 119.8% 118.4% 121.6% 140.4% 138.3% 126.1% 134.7% 162.0% 118.1% 114.8% 112.2% 120.9% 106.4% Liquidity Risk Comparison with Major Banks (FY26-1Q)*1 Regulatory requirement 100% The calculation methodology is scheduled to change; LCR is expected to exceed 130% after the change. Regulatory requirement 100% Regulatory requirement 100% Regulatory requirement 100% Comparison with Major Banks (FY26-1Q)*1 Trends in NSFR Maintain high liquidity, with both NSFR and LCR well above regulatory requirements Trends in LCR *1 Prepared by the Company based on each company's public disclosures. Consolidated basis. FY23-4Q FY24-4Q FY25-4Q FY26-1Q FY23-4Q FY24-4Q FY25-4Q FY26-1Q Megabank A Large regional bank A Liquidity Large regional bank B Megabank B Megabank C Megabank A Large regional bank A Large regional bank B Megabank B Megabank C
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 6Yokohama Financial Group, Inc. IR Day *1 BOY and HNB *2 Duration for BOY and HNB combined. Foreign bonds: spot holdings only (including variable bonds such as CLOs) *3 Three banks combined. Domestic branches (including foreign currencies, excluding negotiable certificates of deposit) 65% 68% 71% 34% 31% 28% Interest Rate Risk 4.5 4.2 3.4 6.0 5.0 4.0 1.2 2.2 1.6 24年3月末 25年3月末 26年3月末 (¥ bn) FY23 FY24 FY25 ΔEVE (16.2) (31.2) (29.9) ΔNII +22.5 +18.1 +46.3 ΔEVE/Tier1 1.3% 2.5% 2.2% (¥ bn) FY23 FY24 FY25 ΔEVE (151.4) (170.1) (186.0) ΔNII (68.1) (61.2) (58.0) ΔEVE/Tier1 12.5% 14.0% 14.3% Upward parallel shift: +100bp Downward parallel shift: (100bp) ΔEVE: Change in the economic value of equity resulting from an interest rate shock over the entire period ΔNII: Change in net interest income over the next year Two representative scenarios selected from the six standardized interest rate shock scenarios under the Basel framework ⚫ Of the six standardized interest rate shock scenarios under the Basel framework, the greatest risk is a declining interest rate scenario ⚫ Swaps can be used to hedge risk in preparation for future interest rate declines ⚫ Resilience to rising interest rates (ΔEVE/Tier1: 2.2%) also enables additional investments and loans that can reduce medium- to long-term downside interest rate risk 80% 79% 78% 17% 18% 20% Control interest rate risk through investments and loans backed by resilience to rising interest rates, as well as through the use of swaps Trends in Balance Sheet Composition Interest Rate Risk (IRRBB) Mar-24 Mar-25 Mar-26 Mar-24 Mar-25 Mar-26 Mar-24 Mar-25 Mar-26 Loans*1 Increased variable-rate loan ratio Securities*2 Shortened duration Deposits*3 Stable deposit mix Yen bonds (available-for-sale) Foreign bonds Yen bonds (held-to-maturity) Fixed rate ratio Variable rate ratio Fixed deposits Liquid deposits Interest Rate
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 7Yokohama Financial Group, Inc. IR Day 10.6 10.8 10.9 2.7 2.6 2.9 3.8 3.8 3.9 0.6 0.7 0.81.5 1.3 1.3 74.0% 75.3% 73.9% 0.10% 0.75% 0.017% 0.264% 0.022% 0.460% Trends in Average Balance and Yield of Deposits Individual liquid deposits Individual Fixed deposits Corporate liquid deposits Corporate Fixed deposits Others 19.4 19.6 20.1 (¥ tn) Policy rate Fixed deposit yield Liquid deposit yield (3.7%) +2.2% +9.2% +2.5% +10.2% +2.0% +21.5% +0.5% *1 Domestic branches (including foreign currencies, excluding negotiable certificates of deposit) *2 Ratio of the sum of individual liquid deposits and corporate liquid deposits to total deposits Liquid deposits account for over 70% of total deposits, and deposit pass-through rate is 44% Average Balance of Deposits (Three Banks Combined)*1 Trends in Deposit Yields and Pass-through Rates (Three Banks Combined)*3 *3 Domestic operations (domestic currency only). Deposit yields represent monthly average yields FY23 FY24 FY25 Apr-24 Oct-24 Apr-25 Oct-25 May-26 Volume/Interest Rate Liquid deposit ratio*2 Corporate deposits: 24% Individual deposits: 69% Rate hike (Apr-24→May-26) +0.65% +0.247% (Pass-through rate: 38%) Deposit pass- through rate: 44% +0.438% (Pass-through rate: 67%)
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 8Yokohama Financial Group, Inc. IR Day Expand the customer base at the household level • Utilize diverse funding methods other than deposits (issued ¥12.0 bn in corporate bonds in July 2026) Funding Direction • Implement time deposit strategies targeting specific customers and amounts • Expand total assets in custody through solution sales • Establish primary account relationships by capturing settlement funds and other transactions • Broaden the customer base by leveraging our regional network • Acquire funds according to customers’ life stages and transaction status Promote account openings and activity Establish primary account relationships Expand household relationships Broaden account openings and promote account activity Promote the acquisition of new accounts through workplace and school outreach, collaboration with local businesses, and enhanced brand awareness Establish primary accounts for everyday use Become the account used for everyday needs by capturing a broad range of transactions Build long-term relationships extending through inheritance and asset succession to secure household relationships Expand transactions with small-segment customers through digital technology Capture settlement transactions through non-face-to-face account opening, invoice management functions and other services Capture business settlement funds Secure liquid deposits by becoming the primary bank for sales proceeds, transfers, payroll deposits and other transactions Broaden the corporate customer base Deepen relationships with existing customers and acquire new customers through a dense branch network and solution sales Listed and core companies Upper-middle Middle Small Responsible personnel Sales representatives Set by each division Evaluation items Evaluation weighting All-employee sales model Establish a new cross- divisional “Core Banking Relationships and Deposits” category Approx. 10% Over 30% Previous From the second half of FY26 Maintain and expand the customer base by leveraging our strengths Expand volume with cost discipline Going forward, accelerating deposit acquisition efforts and reviewing the sales evaluation system, and utilize diverse funding methods Direction of Our Funding Strategy Centered on Deposits Key Points of the Individual Deposits Strategy Key Points of the Corporate Deposits Strategy Review the Sales Performance Evaluation System to Support the Execution of the Funding Strategy Volume/Interest Rate
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 9Yokohama Financial Group, Inc. IR Day 1.6 1.6 1.6 5.3 5.4 5.6 3.2 3.3 3.4 4.0 4.1 4.3 1.9 1.8 1.8 0.994% 1.534% 0.100% 0.791% Trends in Average Balance and Yield of Loans *1 Domestic branches, including foreign currencies *2 Management accounting basis. Domestic branches, yen-denominated loans. For large & medium sized businesses, loans from BOY to L&F Asset Finance are excluded *3 Including structured finance *4 Domestic operations (domestic currency only) Small & medium sized businesses*2*3 Large & medium sized businesses*2*3 (¥ tn) Loans to High- Net-Worth Individuals (HNWIs)*2 Housing loans*2 Others ⚫ Steadily reflect policy rate hikes in loan yields, with further improvement expected 16.3 16.4 17.0 +0.540% +0.691% Yield on loans Policy rate (quarterly average) Loan pass-through rate: 78% (approx. 100% for variable-rate loans) +3.3% +3.2% +0.7% +1.2% +3.5% +3.7% (0.2%) +4.5% Average Balance of Loans (Three Banks Combined)*1 Yield on Loans (Three Banks Combined)*4 Grow loan balances focusing on high-RORA assets and steadily reflect policy rate hikes in loan yields FY23 FY24 FY25 FY24 -1Q FY24 -2Q FY24 -3Q FY24 -4Q FY25 -1Q FY25 -2Q FY25 -3Q FY25 -4Q FY26 -1Q Going forward Volume/Interest Rate
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 10Yokohama Financial Group, Inc. IR Day 215.4 207.5 232.1 576.2 570.2 629.9 3,023.1 3,103.8 3,193.9 Loan Asset Quality 16.3 14.0 14.2 161.8 152.9 148.3 61.4 58.0 61.9 1.4% 1.3% 1.2% -1.0% -0.5% 0.0 % 0.5 % 1.0 % 1.5 % 0 500 1,0 00 1,5 00 2,0 00 2,5 00 3,0 00 (¥ bn) In need of special caution Doubtful Unrecoverable or valueless 239.7 225.0 224.5 30.8 34.1 33.0 57.3 52.0 52.2 155.1 146.8 145.7 87.3% 85.3% 85.6% *1 Non-Performing Loans *2 Ratio of the total amount of allowance for loan losses, collateral and guarantees, etc., to unrecoverable or valueless claims, doubtful claims, and claims in need of special caution *3 Based on the number of loans past due for three months or more Non-covered Allowance for loan losses Collateral and guarantees Coverage ratio*2 Real estate leasing (loans to HNWIs) Real estate trading (¥ bn) (¥ bn) 0.03% 0.04% 0.05% Real estate leasing (excluding loans to HNWIs) Delinquency rate for loans to HNWIs*3 ⚫ The majority consists of real estate leasing, including loans to HNWIs. Exposure to real estate trading is limited Balance of NPL (Disclosed under FRL, Three Banks Combined) Breakdown of Real Estate Exposure (The Bank of Yokohama) The NPL*1 ratio declined, while the NPL coverage ratio remained high. Real estate exposure is concentrated in real estate leasing businesses. Status of Coverage against and Allowance for NPL (Three Banks Combined) NPL Ratio FY23 FY24 FY25 Mar-24 Mar-25 Mar-26 Mar-24 Mar-25 Mar-26 3,814.8 3,881.7 4,056.0 Volume
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 11Yokohama Financial Group, Inc. IR Day 218.0 207.0 274.0 956.9 890.7 810.6 877.7 870.0 849.0 860.7 916.1 1,102.5 Building a Securities Portfolio Centered on Yen Bonds *2 BOY and HNB combined. Foreign bonds: spot holdings only (including variable bonds such as CLOs) Yen bonds (available-for-sale) Yen bonds (held-to-maturity) Diversified investment (investment trusts, foreign bonds, etc.) Equity securities Others 2,962.2 2,936.7 3,089.0 6.0 5.0 4.0 4.5 4.2 3.4 1.2 2.2 1.6 Yen bonds (available-for-sale) Yen bonds (held-to-maturity) Foreign bonds (¥ bn) Shift to a portfolio centered on highly liquid yen-dominated bonds while controlling interest rate risk Trends in Securities Portfolio (Three Banks Combined) Duration (Yen Bonds and Foreign Bonds)*2 Mar-24 Mar-25 Mar-26 Yen Bonds Yield*2 0.21% 0.46% 0.93% 0.28% 0.28% 0.27% Yen bonds (held-to-maturity) Yen bonds (available-for-sale) Mar-24 Mar-25 Mar-26 Mar-24 Mar-25 Mar-26 Volume/Interest Rate/Liquidity Net unrealized gains/losses*1 171.256.792.5 *1 Excluding held-to-maturity securities
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 12Yokohama Financial Group, Inc. IR Day 877.7 870.0 849.0 631.7 596.5 526.2 409.6 285.0 0.28% 0.28% 0.27% 0.28% 0.31% 0.31% 0.34% 0.42% Outlook for Held-to-Maturity Yen Bond Balance ¥564.0 bn Future Investment Plan ① Continue to suspend new investments • New investments in held-to-maturity yen bonds have been suspended • The balance will decline steadily as the bonds mature ② Reinvest redemption proceeds Loans Funds for expanding loans Yen bonds (available-for- sale) Flexible investment in response to the interest rate environment Impact of negative spread (annual)*1 (¥1.37 bn) (¥1.12 bn) (¥0.97 bn) (¥0.65 bn) (¥0.21 bn) Reinvestment effect of redemption proceeds (annualized run rate)*2 ¥3.20 bn ¥3.72 bn ¥4.76 bn ¥6.48 bn ¥8.32 bn *1 Funding cost is calculated using the ordinary deposit interest rate of 0.50%. Loss due to negative spread = (yield on held-to-maturity yen bonds − ordinary deposit interest rate) × balance at each fiscal year-end *2 Reinvestment effect of redemption proceeds = (2-year government bond yield − ordinary deposit interest rate) × cumulative amount redeemed through each fiscal year-end. The 2-year government bond yield is assumed to remain constant at 1.976% (as of September 29, 2026; Ministry of Finance, “Interest Rate Information for Government Bonds”). (¥ bn) The balance of held-to-maturity yen bonds will decline Trends in Balance and Yield (Three Banks Combined) Mar-24 Results Mar-25 Results Mar-26 Results Mar-27 Plan Mar-28 Plan Mar-29 Plan Mar-30 Plan Mar-31 Plan Yield Volume/Interest Rate/Liquidity
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 13Yokohama Financial Group, Inc. IR Day 98.5 96.9 96.6 95.0 94.5 91.2 196.4 208.1 234.6 249.8 260.1 287.0 15.1% 15.6% 16.9% 17.7% 18.3% 19.5% Reduce the balance (market value) of policy shareholdings to less than 10% of consolidated net assets by the end of March 2030. The transfer from policy shareholdings to net investment stocks will not be conducted. Policy Shareholdings Reduction plan *1 Total listed and unlisted stocks held by BOY, HNB and THE KANAGAWA BANK. Shares reserved voting rights (no ownership rights) are excluded. Calculated by dividing policy shareholding (market value) by consolidated net assets. *2 After impairment losses Less than 10% ■ Total market value ■ Acquisition cost (book value *2) (¥ bn) Although market value increased due to rising market prices, book value declined at a faster pace than in the previous year Ratio to consolidated net assets (market value basis)*1 Jun-26 Mar-30Mar-25 Mar-26Jun-25 Sep-25 Dec-25 Trend in Balance of Policy Shareholdings Since End-March 2025 (1.6) (0.3) (1.6) (0.5) (3.3) Volume
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 14Yokohama Financial Group, Inc. IR Day 0.00% 0.50% 1.00% 0.00% 0.50% 1.00% 3.00% 2.50% 2.50% Increase in loans by HNB and KANAGIN, etc. FY24 Results FY27 Plan Approx. ¥9.7 tn*1 Approx. ¥10.9 tn Large & medium sized businesses Small & medium sized businesses*2 Structured finance Loans to HNWIs Housing loans L&F Asset Finance Approx. +¥0.3 tn Others The Bank of Yokohama main loan assets Approx. +¥0.5 tn Shift to highly profitable assets by expanding the provision of solutions Aggressive risk-taking to strengthen our position in the home market Continuously strengthening allocation in assets with good risk-return profiles Strengthening risk-taking by capturing real estate demand in Tokyo, Yokohama, Kawasaki, etc. Expanding assets to strengthen the customer base, controlled at a restrained level based on profitability Net income ROA Net income RORA Housing loans Small & medium sized businesses*2 Large & medium sized businesses Structured finance Loans to HNWIs *1 Finalized and fully implemented Basel III basis (estimated value). *2 Excluding structured finance *3 Calculated by deducting expenses, credit costs and taxes from the sum of loan interest margin revenue and fees and commissions (on a management accounting basis). Based on new executions in FY24, using risk weights on a finalized and fully implemented Basel III basis (estimated values). *4 Calculated based on FY24 net income, risk assets on a finalized and fully implemented Basel III basis (estimated value), and total assets Impact of consolidation as a subsidiary and increased loans Risk Assets and RORA by Asset Class Illustration of Changes in Risk Assets RORA by Asset Class (The Bank of Yokohama)*3 Implement strategic asset allocation to sustainably improve risk-return (Reference) L&F Asset Finance*4 Volume
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 15Yokohama Financial Group, Inc. IR Day Net interest income grew faster than RWA, and ROE also increased ROE and RORA 169.4 178.7 200.9 22年度 23年度 24年度 25年度 SF*1 +22.9% (¥ tn) +3.0% Average RWA*2 Net interest income from domestic operations Others (¥ bn) FY22→FY25 CAGR +12.2% +2.0% 9.1 9.4 9.7 10.0 239.2 FY22 FY23 FY24 FY25 ⚫ Net interest income grew faster than RWA, driven by SF*1-led RWA growth ⚫ RORA improved, driven by expanding highly profitable assets, improving the yield spread from deposits and loans, and increasing fees and commissions 4.8% 5.4% 6.4% 7.9% 9.0% 0.61% 0.70% 0.84% 1.06% 1.23% ROE RORA*3 7.9 7.8 7.5 7.4 FY22 FY23 FY24 FY25 FY27 PlanFY26 Plan Financial Leverage*4 7.3 *1 Structured finance *2 Finalized and fully implemented Basel III basis. *3 Calculated based on the averages of risk assets at the end of the previous fiscal year and the current fiscal year *4 Calculated based on the averages of net assets at the end of the previous fiscal year and the current fiscal year Trends in RWA and Net Interest Income Trends in ROE and RORA
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 16Yokohama Financial Group, Inc. IR Day 154.3 58.1 195.0 Comprehensive Income Yokohama FG ■ Net income*1 ■ OCI*2 Major domestic bank Large regional bank A Large regional bank B 60.2 151.9 (1.3) 159.4 85.2 0.1 134.3 Comprehensive Income*1 (¥ bn) Consistently create shareholder value through balance sheet management Trends in Comprehensive Income*1 *1 Prepared by the Company based on each company's public disclosures. Net income represents profit attributable to owners of parent. Comprehensive income represents comprehensive income attributable to owners of parent. *2 Other comprehensive income 319.5 ■ Net income*1 ■ OCI *2 ■ Net income*1 ■ OCI *2 ■ Net income*1 ■ OCI *2 304.1 (¥ bn)(¥ bn) (¥ bn) FY23 FY24 FY25 FY23 FY24 FY25 FY23 FY24 FY25 FY23 FY24 FY25 Comprehensive Income*1 Comprehensive Income*1 Comprehensive Income*1
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 17Yokohama Financial Group, Inc. IR Day 1 Capital Allocation Expanded risk-taking capacity through improved profitability and capital resilience FY27 PlanFY24 Results Common equity Tier 1 ratio Approx. 11.9%*1 Approx. 11%*1 Cumulative profit Risk asset increase Consolidation of L&F Asset Finance Strategic investment and purchases of treasury shares Dividends Enhanced capital resilience beyond the initial plan, driven by accelerated profit growth Organic asset growth ⚫ Proactively respond to strong loan demand, particularly from the corporate customer segment ⚫ Continue risk-taking in highly profitable assets, including SF*2 Strategic investment ⚫ Pursue investment opportunities that enhance corporate value by expanding functions and deepening and expanding the customer base Shareholder returns ⚫ Return any remaining capacity not utilized for the above purposes through flexible purchases of treasury shares 2 3 Expanded scope for capital utilization as capital resilience improves *1 Finalized and fully implemented Basel III basis (excluding valuation difference on available-for-sale securities) *2 Structured finance Expanded capacity to deploy capital through improved profitability and greater capital resilience Capital Allocation Plan during the Medium-Term Management Plan Period (FY25-FY27) Capital
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 18Yokohama Financial Group, Inc. IR Day ROE Outlook during the Medium-Term Management Plan Period Current medium-term management plan Next medium-term management plan ROE 12% or higher Three years to make a leap into the future ROE: Over 11.5% (Net income*1: Over ¥165.0 bn) Policy rate 1.25% ROE expected to reach 12% or higher during the next medium-term management plan period, against the backdrop of rising policy rates Initial plan ROE: Over 9% (Net income*1: Over ¥120.0 bn) Policy rate 0.75% ROE: 9.0% (Net income*1: ¥129.0 bn) ROE: 6.4% (Net income*1: ¥82.8 bn) ROE: 7.9% (Net income*1: ¥106.5 bn) FY27 PlanFY26 PlanFY25FY24 *1 Profit attributable to owners of parent FY28 Plan
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Yokohama Financial Group, Inc. IR Day These materials contain forward-looking statements with regard to the expectations, forecasts, targets, and plans of our group. These forward-looking statements are based on information currently available to us, and are set forth in these materials on the basis of the outlook at the time these materials were produced. In producing these forward-looking statements, certain assumptions (premises) have been used, which are subjective and may prove to be incorrect. Should any underlying assumption prove to be incorrect, actual future results may vary materially from some of the forward-looking statements in these materials. Underlying these circumstances are a large number of risks and uncertainties. Please see other disclosures and public filings that have been or will be made, including the Financial Summary reports, Annual Securities reports, and Integrated reports, for additional information regarding these risks and uncertainties. As mentioned above, the forward-looking statements contained in these materials are valid as of the date of these materials (or as otherwise specified therein), and we have no obligation or intent to update them. In addition, information on companies and other entities outside our group that is included in these materials has been obtained from publicly available information and other sources. The accuracy and appropriateness of that information has not been verified by us and cannot be guaranteed. Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved.