Slides
Page 1
Investor Presentation Financial Results for 1st Quarter of FY2026 Aug 5 , 2026 YOKOHAMA FINANCIAL GROUP
Page 2
1Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Financial Highlights - Key Messages p.2 - P/L P.3 - B/S P.4 Strategic Investment and Shareholder Returns P.5 Reference: Capital allocation plan during the medium-term management plan period P.6 Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Table of Contents Financial Results for 1st Quarter of FY2026 Reduction of Policy Shareholdings P.22 Expenses P.23 Credit Costs P.24 Reference: Details of Credit Costs P.25 Balance of Non-Performing Loans P.26 Reference: Financial Summary of L&F Asset Finance P.27 Financial Summary Financial Summary (P/L) P.8 Reference: Change in profit attributable to owners of parent P.9 Reference: Highlights of Financial Results P.10 Performance of Consolidated Subsidiaries P.11 Net Interest Income & Yields on Deposits and Loans P.12 Reference: Trends in net interest income from domestic operations P.13 Average Balance of Deposits and Loans P.14 Reference: Average Balance of Loans P.15 Reference: Term-end Balance of Loans and Deposits P.16 Details of Loan Rates P.17 Estimated Impacts of Policy Rate Changes on Gross Operating Income p.18 Net Fees and Commissions P.19 Securities Portfolio P.20 Yen Bonds and Foreign Bonds P.21 Strategic Investment P.29 Summary P.30 Company Profile of Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. P.31 Strategic Rationale P.32 Execution of Definitive Agreements to Acquire Shares in Sumitomo Mitsui Trust Panasonic Finance and Make It an Equity-Method Affiliate Reference Materials Overview of Integrated report - Key factors p.34 - TOP COMMITMENT P.35 - Message from the Director of Finance P.36 - Outside Directors Roundtable Discussion P.37
Page 3
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 2Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 82.8 106.5 129.0 27.0 32.0 6.4% 7.9% 9.0% 8.3% 8.9% ¥32.0 bn ROE Profit attributable to owners of parent 8.9% (YoY+0.6%) Profit Attributable to owners of parent ROE (¥ bn) FY24 FY25 FY26 Forecast FY25-1Q FY26-1Q YoY +¥4.9 bn, Achievement Rate: 24.8％ +¥22.5 bn +¥4.9 bn *1 Excluding cancellation of investment trusts *2 Domestic operations *3 Sumitomo Mitsui Trust Panasonic Finance ✓ Core net business profit *1 increased by ¥10.9 bn YoY , with strong progress of 27.7% of the full-year forecast. • Replaced yen bonds with an eye toward a rise in interest rates. Recorded a capital loss of ¥6.1 bn. • Credit costs increased by ¥2.6 bn YoY , but remained in line with plan, reaching 22.2% of the full- year forecast. • Net interest income increased by ¥13.5 bn YoY reflecting the widening of the yield spread on deposits and loans, and reached 25.7% of the full-year forecast. • Net fees and commissions*2 decreased by ¥2.0 bn YoY due to the impact of the absence of a large- scale project in the same period of the previous year, but reached 28.1% of the full-year forecast. • Expenses increased by ¥1.3 bn but remained well controlled and in line with plan, reaching 23.7% of the full-year forecast. ✓ Profit attributable to owners of parent increased by ¥4.9 bn YoY, with favorable progress of 24.8% toward achieving the full-year forecast. ✓ Announced a ¥20.0 bn purchase of treasury shares, considering business performance, outlook, and capital level, and entered into a definitive agreement on July 30 to acquire shares in SMTPFC *3. Financial Highlights - Key Messages
Page 4
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 3Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Three Banks Combined FY26 -1Q YoY Forecast Achievement Rate Gross operating income 78.3 8.9 319.7 24.5% Net interest income 72.3 13.5 281.4 25.7% Of which, net interest income from domestic operations 69.4 13.0 273.5 25.4% Of which, interest on deposits and loans from domestic operations*1 48.0 7.1 212.7 22.6% Net fees and commissions 11.6 (2.0) 41.6 28.1% Of which, net fees and commissions from domestic operations 11.5 (2.0) 41.1 28.1% Others (5.6) (2.5) (3.3) ‐ 〈Reference〉 Market division total net gains/losses (1.1) (1.2) 19.3 - Expenses (-) 33.8 1.3 142.6 23.7% 〈Reference〉 OHR 43.1% (3.7pt) 44.6% - Core net business profit 44.5 7.6 177.0 25.1% Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts 51.3 10.9 185.1 27.7% Credit costs (-) 2.2 2.6 10.0 22.2% Gains or losses on stocks and other securities 4.0 3.0 9.0 44.7% Ordinary profit 47.4 8.7 179.6 26.4% Net income 36.0 6.8 124.5 28.9% Consolidated Ordinary profit 45.4 7.1 191.5 23.7% Profit attributable to owners of parent 32.0 4.9 129.0 24.8% ROE (TSE Standard) 8.9% 0.6pt 9.0% - Financial Highlights - P/L The domestic sales department delivered solid performance, with profit attributable to owners of the parent making favorable progress at 24.8% of the full-year forecast Three Banks Combined Consolidated *1 Including negotiable certificates of deposit ⚫ Interest on deposits and loans from domestic operations ⚫ Net fees and commissions from domestic operations ⚫ Market division total net gains/losses Loan interest ：¥63.9 bn（YoY +¥13.2 bn, Achievement rate 23.0％） Deposit Interest（-）：¥15.8 bn（YoY + ¥6.0 bn, Achievement rate 24.4％） The benefits of higher interest rates on housing loans and other products following the December 2025 policy rate hike are expected to materialize from 2Q onward. Progress remains in line with plan. Corporate customer service revenue：¥3.8bn(YoY (¥2.2 bn), Achievement rate 18.8％） Individual customer service revenue：¥3.1bn(YoY + ¥0.1 bn, Achievement rate 24.3％） Despite a decrease in corporate customer service revenue due to the absence of a large-scale project, which was recorded in the same period of the previous fiscal year. Individual customer service revenue remained solid. Interest and dividend income ,etc. ：¥5.0 bn（YoY ＋¥1.4 bn, Achievement rate 18.4％） Capital income：(¥6.1 bn)（YoY (¥ 2.6 bn) ) Replaced yen bonds and sold investment trusts and foreign bonds with an eye to higher interest rates. Recorded a capital loss based on the full-year plan.
Page 5
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 4Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Liquid deposits, 78% Time deposits, 20% Others, 1％ Variable rate 72％ Fixed rate 27% Loans*1 ⚫ Deposits*1: ¥20.3 tn (YoY (¥0.2 tn), (1.1%)) Individuals : ¥13.9 tn (YoY +¥0.1 tn, +0.1%) Corporates : ¥5.1 tn (YoY +¥0.1 tn, +3.9%) Public Sectors, etc.: ¥1.2 tn (YoY (¥0.4 tn), (25.8%)) Public sectors deposits fell sharply, while individuals and corporate deposits increased steadily. ⚫ Securities*1: ¥3.0 tn (YoY +¥0.0 tn) Yen bonds (available-for-sale) : ¥1.1 tn (YoY +¥0.0 tn) Diversified Investment: ¥0.7 tn (YoY (¥0.0 tn)) Increased yen bonds under interest rate risk control Diversified investment decreased due to the sale of investment trusts and foreign bonds ⚫ Loans*1: ¥17.3 tn (YoY +¥0.5 tn, +3.1%)*3 Corporates : ¥9.5 tn (YoY +¥0.4 tn, +5.4%)*4 Individuals : ¥7.1 tn (YoY +¥0.1 tn, +1.6%) Public Sectors: ¥0.6 tn (YoY (¥0.0 tn), (9.9%)) Growth in small & medium sized businesses loans, loans to HNWIs Balance sheet (Jun-26) Securities*1 ¥3.0 tn(YoY +¥0.0 tn) BOJ current accounts ¥3.3 tn(YoY (¥0.3 tn)) *1 Three Banks Combined. Loans and deposits for domestic operations (including foreign currencies and negotiable certificates of deposit) *2 Three Banks Combined. For domestic operations (including foreign currencies, excluding negotiable certificates of deposit) Loans (Consolidated) ¥17.6 tn (YoY+¥0.4 tn) Loans*1 ¥17.3 tn(YoY +¥0.5 tn) Loans increased steadily. Deposits declined YoY due to a decrease in public sector deposits, while corporate and individual deposits increased *3 Growth rate excluding the loan from BOY to L&F Asset Finance (for large & medium sized businesses) was 2.6% *4 Growth rate excluding the loan from The Bank of Yokohama to L&F Asset Finance (for large & medium sized businesses) was 4.5% Financial Highlights - B/S Total assets ¥25.0 tn Liabilities ¥23.6 tn Net assets ¥1.4 tn Loans and Deposits Composition(June-26） Deposits*2 Deposits*1 ¥20.3 tn(YoY (¥0.2 tn)) Deposits(Consolidated) ¥20.4 tn (YoY (¥0.1 tn)) Loan to deposit ratio 86.3％
Page 6
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 5Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Strategic Investment and Shareholder Returns Entered into the definitive agreement for the share acquisition of SMTPFC*1 and announced a ¥20.0 bn purchase of treasury shares Partial share acquisition of SMTPFC*1 Shareholder Returns ⚫ In the consolidated financial results for the fiscal year ending March 31, 2027, the Group expects to record a gain on negative goodwill of approximately ¥ 5.0 bn arising from the share acquisition of SMTPFC*2 ⚫ Limited impact on the CET1 ratio Strategic Purposes 1. Enhancement of Hamagin Finance’s capabilities (leasing) 2. Strengthening Yokohama FG’s comprehensive financial services capabilities 3. Expansion of earnings base Financial Impact Overview Entered into a definitive agreement for the share acquisition (Equity-Method Affiliate) *1 Sumitomo Mitsui Trust Panasonic Finance *2 The amounts shown are estimates as of today and may change significantly depending on the results of the PPA (Purchase Price Allocation) and the target company’s performance up to closing. 40% 40% 40% 40% 50% 50% 64% 77% Payout ratio Total return ratio Approx. 40% Total dividends Purchase treasury shares 22.4 26.9 33.4 42.76.0 7.0 20.0 10.0 30.0 22年度 23年度 24年度 25年度 26年度予想 52.3 72.3 Full- year forecast 20.0 (Announced on August 5,2026) （¥ bn) Announced a ¥20.0 bn purchase of treasury shares, considering business performance, outlook, and capital level FY22 FY23 FY24 FY25 FY26 Forecast See p.28 for details 28.4 33.9 53.4 82.7 Announced on November 13, 2025 Announced on August 5, 2025 ⚫ Entered into a definitive agreement on July 30, 2026, and plan to acquire a portion of SMTPFC shares from Sumitomo Mitsui Trust Bank on October 1, 2026, for approx. ¥ 20.0bn (15% stake) ⚫ Plan to enter into a business alliance agreement among Yokohama Financial Group, The Bank of Yokohama, Hamagin Finance, and SMTPFC*1
Page 7
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 6Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Reference: Capital allocation plan during the medium-term management plan period Utilizing capital in raising ROE while balancing strategic investment and shareholder returns FY27 planFY24 Approx. 11.9%*1 Approx. 11%*1 Making L&F Asset Finance a subsidiary on April 1, 2025 A payout ratio of around 40% based on progressive dividends Pursuing strategic investment opportunities by expanding functions, expanding the customer base, and supplementing earnings power Flexible purchase of treasury shares based on market trends, earnings forecasts, etc. Capital allocation plan during the medium-term management plan period (FY25-FY27) *1 Finalized and fully implemented Basel III basis. (Excluding valuation difference on available-for-sale securities.) Approx. +3.3% Cumulative profit Approx. (1.0%) Risk asset increase Approx. (0.3%) Making L&F Asset Finance a subsidiary Approx. (1.3%) Dividends Approx. (1.3%) Strategic investment and purchases of treasury shares
Page 8
7Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Financial Summary
Page 9
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 8Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Financial Summary (P/L) The domestic sales department delivered solid performance, with profit attributable to owners of the parent reaching 24.8% of the full-year forecast, making favorable progress (¥ bn) Three Banks Combined BOY*1 HNB*2 KANAGIN*3 FY26 -1Q YoY Forecast Achievement Rate FY26-1Q YoY Forecast Achievement Rate FY26-1Q YoY Forecast Achievement Rate FY26-1Q YoY Forecast Achievement Rate Gross operating income 78.3 8.9 319.7 24.5% 70.0 8.8 283.5 24.7% 5.9 (0.0) 26.6 22.5% 2.3 0.2 9.6 24.3% Net interest income 72.3 13.5 281.4 25.7% 64.4 12.9 249.4 25.8% 5.8 0.3 23.7 24.7% 2.0 0.2 8.3 24.8% Of which, net interest income from domestic operations 69.4 13.0 273.5 25.4% 61.5 12.5 241.5 25.4% 5.8 0.3 23.7 24.7% 2.0 0.2 8.3 24.8% Of which, interest on deposits and loans from domestic operations*4 48.0 7.1 212.7 22.6% 40.9 6.5 183.2 22.3% 5.2 0.3 21.9 23.8% 1.8 0.2 7.6 24.9% Net fees and commissions 11.6 (2.0) 41.6 28.1% 10.8 (1.9) 36.5 29.8% 0.5 (0.0) 3.9 13.5% 0.2 (0.0) 1.2 23.2% Of which, net fees and commissions from domestic operations 11.5 (2.0) 41.1 28.1% 10.7 (1.9) 36.0 29.9% 0.5 (0.0) 3.9 13.5% 0.2 (0.0) 1.2 23.2% Others (5.6) (2.5) (3.3) ‐ (5.2) (2.1) (2.4) ‐ (0.4) (0.3) (1.0) ‐ (0.0) 0.0 0.1 ‐ 〈Reference〉 Market division total net gains/losses (1.1) (1.2) 19.3 - (1.5) (1.0) 16.7 - 0.3 (0.1) 2.1 17.8% 0.1 (0.0) 0.5 21.2% Expenses (-) 33.8 1.3 142.6 23.7% 27.6 1.1 117.2 23.5% 4.5 0.0 18.8 24.1% 1.6 0.0 6.6 24.7% 〈Reference〉 OHR 43.1% (3.7pt) 44.6% - 39.4% (3.8pt) 41.3% - 75.9% 2.1pt 70.7% - 69.6% (4.1pt) 68.8% - Core net business profit 44.5 7.6 177.0 25.1% 42.3 7.6 166.3 25.4% 1.4 (0.1) 7.8 18.4% 0.7 0.1 2.9 24.4% Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts 51.3 10.9 185.1 27.7% 48.7 10.6 173.2 28.1% 1.8 0.1 8.9 20.7% 0.7 0.1 3.0 23.6% Credit costs (-) 2.2 2.6 10.0 22.2% 1.6 2.5 8.0 20.4% 0.3 (0.1) 1.3 24.8% 0.2 0.2 0.6 45.0% Gains or losses on stocks and other securities 4.0 3.0 9.0 44.7% 3.8 3.6 8.8 44.2% 0.1 (0.2) 0.2 66.5% ‐ (0.3) 0.0 ‐ Ordinary profit 47.4 8.7 179.6 26.4% 45.5 9.2 170.1 26.7% 1.4 (0.0) 7.1 20.6% 0.4 (0.4) 2.4 19.6% Net income 36.0 6.8 124.5 28.9% 34.6 7.1 118.0 29.3% 1.1 (0.0) 5.0 22.0% 0.3 (0.2) 1.5 20.0% Consolidated Ordinary profit 45.4 7.1 191.5 23.7% Profit attributable to owners of parent 32.0 4.9 129.0 24.8% ROE (TSE Standard) 8.9% 0.6pt 9.0% - Main factors for changes in net interest income (three banks combined) ➢ Interest on deposits and loans from domestic operations: +¥7.1 bn (Loan interest: +¥13.2 bn, Deposit interest: (-) +¥6.0 bn) ➢ interest and dividends on securities from domestic operations: +¥4.0 bn (Intra-group dividend: +¥1.8 bn) ➢ Interest on deposits with BOJ: +¥2.9 bn *1 The Bank of Yokohama, Ltd. *2 The Higashi-Nippon Bank, Ltd *3 THE KANAGAWA BANK, Ltd. *4 Including negotiable certificates of deposit Difference between consolidated and non-consolidated figures ➢ Intra-group dividend: (¥6.8 bn) ➢ Income from L&F Asset Finance (after goodwill amortization, etc.): ¥1.2 bn ➢ Others: ¥1.6 bn
Page 10
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 9Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Reference: Change in profit attributable to owners of parent FY25-1Q FY26-1Q +¥7.1 bn (¥2.0) bn +¥1.3 bn +¥1.8 bn +¥1.8 bn ¥27.0 bn ¥32.0 bn +¥6.3 bn (¥2.5) bn Interest and dividends on securities +¥4.0 bn Interest on deposits with BOJ, etc. +¥2.3 bn +¥2.6 bn Gains (losses) on bonds (¥3.3) bn Three Banks Combined Interest on deposits and loans from domestic operations Net fees and commissions from domestic operations Expenses (-) Credit costs (-) Others Difference between consolidated and non-consolidated figures Corporate customer service revenue (¥2.2) bn Individual customer service revenue +¥0.1 bn Others (¥0.0) bn Net expenses and commissions(-) (¥0.0) bn Loan interest +¥13.2 bn Deposit interest (-) +¥6.0 bn Personnel expenses (-) Non-personnel expenses (-) +¥0.6 bn +¥0.6 bn Other Net Interest Income Other gross operating income Income from L&F (after amortization of goodwill, etc.) Elimination of intra-group dividends Others +¥0.2 bn (¥1.8) bn (¥0.2) bn Gains or losses on stocks and other securities Non-recurring and extraordinary gains and losses Total income taxes(-) +¥3.0 bn +¥0.6 bn +¥1.8 bn
Page 11
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 10Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Three Banks Combined(¥ bn) BOY HNB KANAGIN FY25-1Q FY26-1Q YoY FY25-1Q FY26-1Q YoY FY25-1Q FY26-1Q YoY FY25-1Q FY26-1Q YoY Gross operating income 69.3 78.3 8.9 61.2 70.0 8.8 6.0 5.9 (0.0) 2.1 2.3 0.2 Income from domestic operations 66.4 74.7 8.2 58.2 66.3 8.1 6.0 5.9 (0.0) 2.1 2.3 0.2 Of which, net interest income 56.3 69.4 13.0 49.0 61.5 12.5 5.5 5.8 0.3 1.8 2.0 0.2 Of which, net fees and commissions 13.6 11.5 (2.0) 12.7 10.7 (1.9) 0.6 0.5 (0.0) 0.2 0.2 (0.0) Of which, net other ordinary income (3.5) (6.3) (2.8) (3.4) (5.9) (2.5) (0.0) (0.4) (0.3) (0.0) (0.0) (0.0) Income from international operations 2.9 3.6 0.7 2.9 3.6 0.7 0.0 (0.0) (0.0) (0.0) - 0.0 Of which, net interest income 2.4 2.8 0.4 2.4 2.8 0.4 (0.0) (0.0) 0.0 0.0 - (0.0) Of which, loan interest 7.3 7.5 0.2 7.3 7.5 0.2 0.0 0.0 0.0 - - - Of which, interest and dividends on securities 3.1 2.8 (0.3) 3.1 2.8 (0.3) 0.0 0.0 - - - - Of which, others (deposit interest, market operation, etc.) (8.0) (7.5) 0.5 (8.0) (7.5) 0.5 (0.0) (0.0) 0.0 0.0 - (0.0) Of which, net fees and commissions 0.1 0.1 (0.0) 0.1 0.1 (0.0) 0.0 - (0.0) (0.0) - 0.0 Of which, net other ordinary income 0.3 0.6 0.3 0.3 0.6 0.3 0.0 - (0.0) 0.0 - (0.0) Expenses (-) 32.5 33.8 1.3 26.4 27.6 1.1 4.4 4.5 0.0 1.5 1.6 0.0 Personnel expenses 15.5 16.2 0.6 12.3 12.8 0.5 2.4 2.4 0.0 0.8 0.8 0.0 Non-personnel expenses 14.3 15.0 0.6 12.0 12.5 0.5 1.6 1.7 0.1 0.6 0.6 0.0 Taxes 2.5 2.5 0.0 2.1 2.2 0.1 0.3 0.2 (0.0) 0.1 0.1 0.0 〈Reference〉 OHR 46.8% 43.1% (3.7pt) 43.2% 39.4% (3.8pt) 73.8% 75.9% 2.1pt 73.7% 69.6% (4.1pt) Core net business profit 36.8 44.5 7.6 34.7 42.3 7.6 1.5 1.4 (0.1) 0.5 0.7 0.1 Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts 40.3 51.3 10.9 38.1 48.7 10.6 1.6 1.8 0.1 0.5 0.7 0.1 Credit costs (-) (0.4) 2.2 2.6 (0.8) 1.6 2.5 0.4 0.3 (0.1) 0.0 0.2 0.2 Credit cost ratio (0.00%) 0.05% 0.05pt (0.02%) 0.04% 0.06pt 0.11% 0.08% (0.03pt) 0.03% 0.24% 0.21pt Gains or losses on stocks and other securities 0.9 4.0 3.0 0.1 3.8 3.6 0.3 0.1 (0.2) 0.3 ‐ (0.3) Other non-recurring gains (losses) 0.5 1.1 0.6 0.5 0.9 0.3 0.0 0.2 0.2 0.0 0.0 0.0 Ordinary profit 38.7 47.4 8.7 36.3 45.5 9.2 1.5 1.4 (0.0) 0.9 0.4 (0.4) Extraordinary Income(losses) (0.2) (0.1) 0.0 (0.1) (0.1) 0.0 (0.0) (0.0) (0.0) (0.0) (0.0) 0.0 Total income taxes (-) 9.4 11.2 1.8 8.7 10.7 2.0 0.4 0.3 (0.0) 0.2 0.1 (0.1) Net income 29.1 36.0 6.8 27.4 34.6 7.1 1.1 1.1 (0.0) 0.5 0.3 (0.2) Reference: Highlights of Financial Results
Page 12
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 11Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Total Subsidiaries (excluding L&F) Three Banks Combined Consolidation Adjustment Yokohama Financial Group Consolidated(¥ bn) Hamagin Tokai Tokyo Securities Hamagin Finance Yokohama Guarantee Hamagin Research Institute Others*1 L&F Asset Finance FY26 -1Q YoY FY26 -1Q YoY FY26 -1Q YoY FY26 -1Q YoY FY26 -1Q YoY FY26 -1Q YoY FY26 -1Q YoY FY26 -1Q YoY FY26 -1Q FY26 -1Q Gross Operating Income*2*3 13.2 2.2 2.0 0.4 3.1 0.7 3.4 0.8 2.4 0.0 2.1 0.1 4.3 0.1 78.3 8.9 (14.8) 81.1 Of which, net interest Income*3 6.6 1.6 0.0 0.0 2.2 0.6 1.1 0.8 2.2 0.0 1.0 0.1 3.7 0.0 72.3 13.5 (13.6) 69.0 Of which, net fees and commissions 5.5 0.4 1.9 0.4 0.1 (0.0) 2.2 0.0 - - 1.1 0.0 0.5 0.0 11.6 (2.0) (1.5) 16.2 Core Net Business Profit*4 9.2 1.8 0.3 0.2 2.6 0.6 3.2 0.8 1.9 (0.0) 1.0 0.0 2.5 0.3 44.5 7.6 (13.0) 43.2 Credit Costs (-) 0.4 0.0 - - (0.0) (0.0) 0.4 0.1 (0.0) 0.0 0.0 (0.0) 0.0 0.0 2.2 2.6 (0.0) 2.7 Ordinary Profit 8.8 1.8 0.3 0.2 2.7 0.7 2.7 0.7 1.9 0.0 1.0 0.0 2.5 0.3 47.4 8.7 (13.4) 45.4 Net Income 8.0 1.7 0.2 0.1 2.5 0.7 2.1 0.7 2.0 0.0 1.0 0.0 1.7 0.2 36.0 6.8 (13.7) 32.0 Intra-group dividend 6.5 1.6 - - 2.2 0.6 1.0 0.8 2.1 0.0 1.0 0.1 - - 6.8 1.8 (13.4) Performance of Consolidated Subsidiaries The quarterly financial results of consolidated subsidiaries remained at the same level as the previous year (excluding intra-group dividends) *1 Yokohama Capital Co., Ltd., BANKCARD Service Japan Co., Ltd., Hamagin Business Challenged Co., Ltd., and The Higashi-Nippongin JCB Card Co., Ltd. are included. *2 Gross Operating Income = (Interest Income - Interest Expenses) + Trust fees + (Fees and Commissions - Fees and Commissions Payments) + (Trading Income - Trading Expenses) + (Other Ordinary Income - Other Ordinary Expenses) *3 Gross Operating Income and Net Interest Income include Intra-group dividends. *4 Core Net Business Profit of the consolidated subsidiaries = Gross Operating Income - Operating Expenses Income attributable to the FG from L&F: ¥ 1.2bn (based on 85% ownership, after goodwill amortization, etc.).
Page 13
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 12Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Yield on deposits and loans (Three Banks Combined)*1 Net Interest Income (Three Banks Combined) & Yields on Deposits and Loans Net interest income increased, driven by loan balance growth and continued widening of the yield spread on deposits and loans Three Banks Combined(¥ bn) BOY HNB KANAGIN FY26 -1Q YoY Achievement Rate FY26 -1Q YoY FY26 -1Q YoY FY26 -1Q YoY Net Interest income 69.4 13.0 25.4% 61.5 12.5 5.8 0.3 2.0 0.2 Loan interest 63.9 13.2 23.0% 54.9 11.9 6.7 0.8 2.2 0.3 Average loan balance 16,706.8 531.3 - 14,658.0 498.5 1,608.6 1.9 440.1 30.8 Yield 1.534% 0.277pt - 1.502% 0.286pt 1.683% 0.213pt 2.052% 0.218pt Deposit interest*2 (-) 15.8 6.0 24.4% 13.9 5.4 1.5 0.4 0.3 0.1 Average deposit balance*2 20,504.5 185.3 - 18,443.8 286.8 1,583.5 (102.6) 477.1 1.1 Yield*2 0.309% 0.116pt - 0.303% 0.115pt 0.388% 0.136pt 0.297% 0.121pt Interest and dividends on securities 13.7 4.0 - 12.5 3.7 1.0 0.2 0.1 0.0 Of which, interest on securities*3 5.3 2.2 - 4.2 1.9 1.0 (0.0) 0.0 0.0 Of which, stock dividends 8.3 1.8 - 8.2 1.8 0.0 (0.0) 0.0 0.0 Of which, net gains on investment trust cancellation ‐ ‐ - ‐ ‐ ‐ ‐ ‐ ‐ Interest on deposits with BOJ 10.4 2.9 - 10.1 2.9 0.1 0.0 0.0 (0.0) Others (2.7) (1.1) - (2.1) (0.7) (0.5) (0.3) (0.0) (0.0) BOY HNB KANAGIN Loan interest 11.97 Loan interest 0.86 Loan interest 0.38 Balance 1.55 Balance 0.00 Balance 0.14 Yield 10.41 Yield 0.85 Yield 0.23 (¥ bn) Net Interest Income*1 Incremental (decremental) factors of loan interest*1 *1 Domestic operations(domestic currency only) *2 Including negotiable certificates of deposit Increase in intra- group dividends from subsidiaries, etc. *3 Bond interest and distributions from investment trusts 1.651% 1.657% 1.722% 1.745% 1.834% 1.892% 1.911% 1.970% 2.052% 1.194% 1.215% 1.306% 1.349% 1.470% 1.494% 1.501% 1.599% 1.683% 0.951％ 0.982％ 1.039% 1.156% 1.216% 1.299% 1.326% 1.425% 1.502% 0.0%～ 0.10% 0.25% 0.50% 0.994% 1.024% 1.191% 1.257% 1.333% 1.358% 1.084% 0.020% 0.043% 0.087% 0.125% 0.193% 0.203% 0.214% 0.981% 0.997% 1.066% 1.064% 1.130% 1.144% 0.974% 0.275% 1.456% 1.534% 0.309% 1.181% 1.225% FY24 -1Q FY24 -2Q FY24 -3Q FY24 -4Q FY25 -1Q FY25 -2Q FY25 -3Q FY25 -4Q 0.75% FY26 -1Q 1.0 % Yield on domestic loans Yield spread from domestic deposits and loans*2 Yield on domestic deposits*2 Policy rate Yield on Loans*1 BOY HNB KANAGIN FY24 -1Q FY24 -2Q FY24 -3Q FY24 -4Q FY25 -1Q FY25 -2Q FY25 -3Q FY25 -4Q FY26 -1Q
Page 14
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 13Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Reference: Trends in net interest income from domestic operations (Three Banks Combined) (¥ bn) FY23*1 FY24*1 FY25*1 FY26*1 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q Net interest income from domestic operations 43.8 45.7 42.1 46.9 47.9 49.2 46.0 57.6 56.3 60.0 56.1 66.6 69.4 Interest on deposits and loans from domestic operations*2 37.2 37.4 37.8 37.7 38.4 38.7 38.9 40.6 40.9 44.7 45.9 46.2 48.0 Loan interest from domestic operations 37.4 37.6 38.0 37.8 39.4 40.8 43.3 46.7 50.7 55.1 56.8 59.9 63.9 Deposit interest from domestic operations (-)*2 0.1 0.1 0.2 0.1 0.9 2.1 4.3 6.1 9.8 10.3 10.9 13.7 15.8 Interest and dividends on securities from domestic operations 4.9 6.6 2.8 7.7 7.4 7.5 3.8 12.4 9.6 10.0 5.1 13.9 13.7 Interest on deposits with BOJ 1.2 1.1 1.1 1.2 2.1 3.5 4.0 5.9 7.4 7.4 6.7 9.0 10.4 Other net interest income and expenses 0.3 0.5 0.3 0.2 (0.1) (0.5) (0.7) (1.3) (1.6) (2.1) (1.7) (2.5) (2.7) Yield spread from domestic deposits and loans*2 0.957% 0.943% 0.951% 0.966% 0.974% 0.981% 0.997% 1.066% 1.064% 1.130% 1.144% 1.181% 1.225% Yield on domestic loans 0.960% 0.946% 0.955% 0.969% 0.994% 1.024% 1.084% 1.191% 1.257% 1.333% 1.358% 1.456% 1.534% Yield on domestic deposits*2 0.003% 0.003% 0.004% 0.003% 0.020% 0.043% 0.087% 0.125% 0.193% 0.203% 0.214% 0.275% 0.309% Yield on domestic securities 0.756% 1.023% 0.446% 1.219% 1.162% 1.177% 0.582% 1.908% 1.468% 1.468% 0.749% 2.086% 2.103% Average balance of domestic loans 15,623.7 15,778.5 15,817.7 15,859.8 15,911.8 15,830.9 15,838.9 15,927.3 16,175.5 16,393.5 16,600.5 16,699.2 16,706.8 Average balance of domestic deposits*2 19,963.2 19,802.4 19,655.0 19,580.4 19,858.6 19,688.9 19,609.0 19,720.0 20,319.1 20,258.5 20,189.5 20,255.2 20,504.5 Average balance of domestic securities 2,633.3 2,579.6 2,543.4 2,582.9 2,558.0 2,543.7 2,591.9 2,647.5 2,642.8 2,727.9 2,731.0 2,712.2 2,614.6 *1 Domestic operations (domestic currency only) *2 Including negotiable certificates of deposit
Page 15
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 14Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Average Balance of Deposits and Loans (Three Banks Combined) Average loan balances increased steadily in both the corporate and individual divisions *1 Domestic operations(Foreign Currency Included) *2 Including loans from The Bank of Yokohama to L&F Asset Finance. *3 The average balance of housing loans at THE KANAGAWA BANK for FY2026-1Q was ¥78.0 bn. The average balance for the three banks combined, including THE KANAGAWA BANK, was ¥4,340.8 bn. Three Banks Combined(¥ bn) BOY HNB KANAGIN FY26-1Q YoY FY26-1Q YoY FY26-1Q YoY FY26-1Q YoY Domestic Deposits 20,490.1 0.9% 18,474.9 1.2% 1,538.0 (1.7%) 477.1 0.2% Domestic Loans 17,351.7 3.4% 15,302.9 3.7% 1,608.6 0.1% 440.1 7.5% Corporates 9,493.2 5.8% 7,870.7 6.8% 1,283.1 (0.2%) 339.4 7.3% Large & Medium Sized Businesses*2 2,426.8 3.2% 2,269.0 3.9% 141.1 (5.3%) 16.7 (9.1%) Small & Medium Sized Businesses 7,066.4 6.8% 5,601.7 8.1% 1,142.0 0.3% 322.6 8.4% <Reference> Small & Medium Sized Businesses (Excluding Asset Management Company (BOY)) 5,983.0 7.4% 4,518.3 9.3% 1,142.0 0.3% 322.6 8.4% Public Sectors 700.2 (9.7%) 683.3 (9.7%) 15.0 (9.1%) 1.7 (24.1%) Individuals 7,158.2 1.9% 6,748.8 1.8% 310.4 2.3% 98.9 8.8% Of which, Housing Loans*3 4,262.8 0.8% 4,198.0 1.1% 64.8 (12.1%) - - Of which, Card Loans 98.0 2.2% 96.6 2.3% 1.3 (7.5%) - - Of which, Unsecured Loans to Specific Purpose 199.8 12.1% 199.6 12.1% 0.1 (18.8%) - - Loans to HNWIs*4 3,542.9 3.0% 3,303.7 2.6% 239.2 7.5% - - Asset Management Company*5 1,083.3 3.4% 1,083.3 3.4% - - - - Apartment Loans 2,249.2 3.3% 2,010.0 2.8% 239.2 7.5% - - Loans to Non-Residential Property 210.3 (2.8%) 210.3 (2.8%) - - - - Structured finance 872.2 17.2% 872.2 17.2% - - - - Average Balance of Deposits and Loans*1 *4 High-Net-Worth Individuals *5 Loans to HNB’s asset management company is included in loans to SMEs
Page 16
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 15Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 23年度 24年度 25年度 25年度-1Q 26年度-1Q 23年度 24年度 25年度 25年度-1Q 26年度-1Q 23年度 24年度 25年度 25年度-1Q 26年度-1Q 23年度 24年度 25年度 25年度-1Q 26年度-1Q Reference: Average Balance of Loans (Domestic operations (Foreign Currency Included)) 5,387.3 5,493.4 +1.9% 3,246.9 3,475.6 +3.5% 3,356.2 +3.3% 3,974.2 4,255.5 +3.7% +3.2% 4,103.4 237.6 280.8 +8.5% +8.8% 258.7 5,739.0 +4.4% 5,983.0 5,569.0 +7.4% 3,542.93,439.4 +3.0% 4,262.84,225.4 +0.8% 297.8 274.0 +8.6% SME Loans*1 Housing Loans*2 Loans to HNWIs*2 Card Loans, Unsecured Loans for Specific Purpose*2 ■ BOY ■ HNB ■ KANAGIN ■ BOY ■ HNB ■ BOY ■ HNB ■ BOY ■ HNB (¥ bn) (¥ bn) (¥ bn) (¥ bn) *1 Excluding Asset Management Company (BOY) *2 Two banks combined (BOY and HNB) FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q
Page 17
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 16Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Mar-26Mar-24 4,653.1 4,755.6 5,067.5 4,919.2 5,115.8 13,527.6 13,878.7 13,927.6 13,975.0 13,993.8 1,760.1 1,784.2 1,776.0 1,414.7 1,015.5 Reference: Term-end Balance of Loans and Deposits (Three Banks Combined) (¥ bn) Large & medium sized Businesses*4 Small & medium sized Businesses*3 Housing Loans*2 Loans to high-net-worth Individuals*2*3 Others*2 Loans breakdown*1 Deposits breakdown*1 *1 Domestic operations(Foreign Currency Included) *2 Housing loans and loans to HNWIs by THE KANAGAWA BANK are included in “Others”. *3 Loans to HNB’s asset management company are included in loans to SMEs. *4 Including loans from BOY to L&F Asset Finance Individual Corporate Others (¥ bn) 2,299.2 2,253.8 2,457.1 2,346.1 2,402.4 5,513.0 5,533.3 5,965.0 5,646.9 6,047.0 4,042.8 4,207.6 4,264.2 4,244.3 4,266.3 3,327.8 3,437.6 3,540.4 3,444.9 3,546.8 1,354.5 1,231.3 1,149.4 1,165.5 1,121.4 +2.3% +7.0% +0.5% +2.9% 16,537.5 16,663.8 17,376.3 16,848.0 17,384.1 +3.1％ +0.7% +4.2% Jun-25 +1.7% 20,125.219,940.9 20,418.7 +2.3% +0.1% +3.9% 20,771.3 20,309.0 (0.9％) Mar-25 Mar-26 Jun-26 Mar-24 Jun-25Mar-25 Jun-26
Page 18
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 17Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Details of Loan Rates Loans with variable interest rate account for approx. 70%, of which loans highly linked to market interest rate account for approx. 30% Consumer loans (Two banks combined*1) Fixed 28% Variable 72% Fixed 3% Variable 97% Fixed 2% Variable 98% Corporate Loans (Two banks combined*1) Fixed rate with average term of 7.2 years Variable 52% Fixed 48% Fixed rate with average term of 7.6 years Loans (Two banks Combined*1) Variable rate 73% Details of loan rates Corporate Loans Loans to HNWIs Housing Loans Card Loans, Unsecured Loans for Specific Purpose*3 Prime rate-linked (Corporate) 7% Prime rate-linked (Individual) 36% Market-rate linked 22% Fixed rate (Market-rate linked, Less than 1 year)*2 8% Fixed rate (more than 5 years) 21%Fixed rate (3–5 years) 3% Fixed rate (1–3 years) 2% Fixed rate (Others, Less than 1 year) 1% *1 BOY and HNB *2 The loans mainly using base rates that are highly linked to market rates, such as JBA TIBOR, etc. Housing Loans (Two banks combined*1) *3 Excluding large all-purpose loans Loans to HNWIs (Two banks combined*1) FY23: 26% FY24: 36% FY25: 48% Variable Rate Trends
Page 19
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 18Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Estimated Impacts of Policy Rate Changes on Gross Operating Income (excluding securities investment) Increase in policy rate by 0.25% will have an impact of approximately ¥14.0 bn on gross operating income （Full-year basis） ＜Assumptions – “FY2026 Forecast Scenario”＞ ・Short-term prime rate: 2.50%; JBA TIBOR 3M: 1.25%; 5Y TIBOR swap rate : 2.13% ・Interest on deposits with BOJ reflects the end of the Special Deposit Facility in May 2026 and the impact of lower balances following the termination of the Fund-Provisioning Measure to Stimulate Bank Lending FY27 Interest on deposits with BOJ Deposit interest（-） Loan interest FY27 FY26 Forecast Scenario （Policy Rate maintained at 0.75%） Estimated impact after a policy rate hike to 1.0% in June 2026（Estimate） Policy Rate maintained at 0.75％ approx.+¥14.0 bn *1 Three banks combined *2 Approximate estimate for interest on deposits and loans only Note: This estimate is a sensitivity analysis based on certain assumptions and does not indicate a revision to our earnings forecast. Net income: approx.+¥10.0 bn ROE: approx.+0.7% （Estimate） Gross Operating Income ¥319.7 bn*1 FY26 Forecast Gross Operating Income ¥273.3 bn FY25 Result （Interest Factors within approx. +¥28.0 bn*2） （Interest Factors within approx.+¥23.0bn） Policy Rate 1.0％ （Full-year contribution from the +0.25% increase） approx. +¥14.0 bn <Assumptions – “Impact after a policy rate hike to 1.0% in June 2026” > ・Short-term prime rate: +0.25% (full-year impact in FY2027) ・JBA TIBOR 3M: approx. +0.15% vs. the FY2026 Forecast Scenario ・TIBOR swap rates: approx. +0.25% to +0.40% vs. the FY2026 Forecast Scenario, depending on tenor ・Deposit rates assumed to rise in line with higher market rates ・Interest on deposits with BOJ reflects the end of the Special Deposit Facility in May 2026 and the impact of lower balances following the termination of the Fund-Provisioning Measure to Stimulate Bank Lending Reference figure on an after-tax basis
Page 20
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 19Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 5.4 5.1 5.3 4.2 3.3 2.7 2.5 2.9 3.4 2.3 1.9 1.9 5.4 6.4 5.6 9.3 11.2 15.0 2.1 2.0 2.2 1.7 1.7 1.6 23年度 24年度 25年度 25年度-1Q 26年度-1Q 0.8 0.8 4.6 2.1 0.2 0.4 0.4 1.1 1.4 0.8 0.6 0.5 0.50.4 0.4 30.2 31.6 32.4 8.3 8.2 14.5 13.3 13.5 3.0 3.1 18.7 21.4 24.5 6.0 3.8 (19.7) (21.8) (23.4) (3.7) (3.7) 43.7 44.6 47.0 13.6 11.5 Net Fees and Commissions (Three Banks Combined) Net fees and commissions decreased year on year due to the absence of a large-scale project booked in the same period of the previous year, but reached 28.1% of the full-year forecast *2 Structured finance-related (covenanted loans, LBOs, non-recourse loans, etc.) (BOY only) *3 Hamagin Tokai Tokyo Securities Referral fees 18.7 21.4 14.5 13.3 ＋14.7% 24.5 13.5 +14.3% (8.2%) +1.2% (14.9%) +1.9% +5.5% 3.0 3.1+4.7% 3.0 3.1 6.0 (36.5%) 6.0 3.8 3.8 Impact from the absence of a large one-off deal Net Fees and Commissions*1 Corporate customer service revenue Individual customer service revenue Fees and Commissions Fees and Commissions Payments Corporate customer Individual customer Settlement-related business, Others Achievement Rate compared to Forecast 28.1% *1 Income from domestic operations Syndicated Loan Structured finance- related*2 M&A, Business matching Others (¥ bn) (¥ bn) 0.2 Achievement Rate compared to Forecast 18.8% Achievement Rate compared to Forecast 24.3% Investment trusts Insurance HTTS*3 Consultation service related and others (¥ bn) FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q
Page 21
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 20Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Securities Portfolio (Three Banks Combined) Improved the securities portfolio by replacing yen bonds and selling investment trusts and foreign bonds with an eye on a rise in interest rates Balance Net unrealized gains(losses) (¥ bn) Jun-26 Share Compared to Mar-26 Jun-26 Compared to Mar-26 Total balance of securities (Excluding held-to-maturity) 2,197.9 100.0％ (35.2) 235.1 63.9 Available-for-sale 2,150.8 97.8％ (36.4) 235.1 63.9 Domestic Bonds 1,120.4 50.9％ 17.8 (41.1) 3.6 Equity securities 303.1 13.7％ 29.1 207.9 32.3 Diversified investment 727.2 33.0％ (83.3) 68.3 27.8 Investment trusts 461.4 20.9％ (53.6) 70.3 28.5 Foreign bonds 206.0 9.3％ (31.1) (1.9) (0.6) Others 59.7 2.7％ 1.4 0.0 0.0 Investments in subsidiaries and affiliates 47.1 2.1％ 1.1 - - Held-to-maturity 846.8 - (9.0) (58.6) (1.0) Total balance of securities (Including held-to-maturity) 3,044.7 - (44.2) 176.5 62.8 (¥ bn) Securities Portfolio*1 Market Division Income/total net gains or losses ■ Equity Securities ■ Diversified Investment2 ■ Domestic Bonds Total balance of securities *1 Hedge by equity securities forward is not included (Reference) Deferred gains/losses on hedges (equity securities forward) (¥0.0bn) (no gains/losses on hedges by asset swap were included) (¥ bn) *2 Investment trusts, Foreign bonds and other Diversified investment ■ Interest and dividend Income, etc. ■ Capital Income Total Net unrealized gains/losses (Excluding held-to-maturity) *1 18.8 20.8 (27.8) 24.2 (13.7) (26.2) (3.4) 3.6 0.1 (6.1) 5.0 (1.1) (9.0) 7.0 (2.0) Achievement Rate compared to Forecast - % (10.5) (12.1) 40.4 3.9 68.3119.4 104.1 175.6 117.1 207.9 (16.2) (35.2) (44.8) (32.0) (41.1) 92.5 56.7 171.2 89.0 235.1 FY23 FY24 FY25 FY25-1Q FY26-1Q Mar-24 Jun-25Mar-25 Mar-26 Jun-26 Gains on sales：+6.2 Losses on sales(12.3)
Page 22
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 21Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 444.3 376.1 320.7 261.2 1.2 2.2 1.6 1.6 860.7 916.1 1,102.5 1,120.4 877.7 870.0 849.0 838.6 4.5 4.2 3.4 3.2 6.0 5.0 4.0 3.8 Yen Bonds and Foreign Bonds (Three Banks Combined) Replaced yen bonds while shortening duration and improving their yield Yen Bonds5 (¥2.2 bn) (Up ¥0.4 bn from Mar-26) Foreign Bonds (¥0.7 bn) (Up ¥0.1 bn from Mar-26) (¥ bn) Duration (year) *1 (¥ bn) Duration (year) * 1 * 3 (¥ bn) Less than 1 year 1-3 years 3-5 years 5-7 years 7-10 years 10+ years Yen bonds*5 (0.25) (0.54) (0.99) (0.18) (0.16) (0.50) Foreign bonds*6 (0.02) (0.03) (0.16) (0.07) (0.15) (0.05) Amount of impact on unrealized gains (losses) on securities (Estimated value for 10 basis points increase in parallel) Impact by interest period ■ Held-to-maturity ■ Available-for-sale Net unrealized gains(losses)held-to- maturity available- for-sale Yen Bonds Foreign Bonds*2 Impact of rising interest rates*4 (Impact on unrealized gains/losses on securities) *4 BOY only * 5 Excluding held-to-maturity bonds * 6 Excluding investment trusts *1 Two banks combined (BOY and HNB) *2 Foreign bonds and Investment trusts investing in foreign bonds *3 Foreign bonds only (including CLO floaters and others) Held-to-maturity Available-for-sale Net unrealized gains(losses) USD/JPY Exchange Rate Mar-25 : 1USD=149.53JPY Mar-26 : 1USD=159.93JPY Jun-26 : 1USD=162.44JPY (15.3) (16.2) (42.9) (35.2) (57.5) (44.8) (20.5) (21.2) (17.5) 1,738.5 1,786.1 1,951.5 1,959.0 (58.6) (41.1) (11.5) Mar-24 Mar-25 Mar-26 Jun-26Mar-24 Mar-25 Mar-26 Jun-26 yield 0.21％ 0.46％ 1.06％0.93％ held-to- maturity available -for-sale 0.29％ 0.28％ 0.28％0.27％ yield*3 6.32％ 5.43％ 4.76％4.74％
Page 23
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 22Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 108.5 90.5 93.9 98.5 94.5 91.2 237.0 167.0 208.2 196.4 260.1 287.0 0.0% 5.0% 10.0% 15.0% 20.0% 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 5,000 2017年度末… 2021年3月末… 2024年3月末… 2025年3月末… 2026年3月末… 2026年6月末… 2030年3月末… 14.4% 16.2% 15.1% 18.3% 19.5% *2 Figures up to the end of March 2023 do not include THE KANAGAWA BANK. Figures from March 2024 are for three banks combined, including THE KANAGAWA BANK. Reduction of Policy Shareholdings 2026年3月末 (Reference) Including deemed holdings*3 20.7% 2030年3月末 Although the market value rose as market prices went up, reduction on a book value basis progressed steadily Reduction plan Reduce the balance (market value) of policy shareholdings to less than 10% of consolidated net assets by the end of March 2030*1. The transfer from policy shareholdings to net investment stocks will not be conducted. *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. *3 (Policy shareholding (market value) + shares reserved voting rights (no ownership rights) (market value)) / consolidated net assets *4 after impairment losses (¥ bn) ■ Total market value ■ Acquisition cost (book value *4) End of March 2018 End of March 2021 End of March 2024 End of June 2026End of March 2025 End of March 2026 End of March 2030 10% or less Ratio to consolidated net assets (market value basis)*2 20.5%
Page 24
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 23Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 1.5 9.3 9.2 9.4 2.4 2.4 7.7 6.6 6.9 1.6 1.7 1.3 1.2 1.2 0.3 0.2 69.6% 72.9% 69.3% 73.8% 75.9% 20. 0% 30. 0% 40. 0% 50. 0% 60. 0% 70. 0% 80. 0% 90. 0% 0 50 100 150 200 250 300 350 23年度 24年度 25年度 25年度-1Q 26年度-1Q 4.4 4.5 3.1 3.1 3.2 0.8 0.8 3.0 2.4 2.4 0.6 0.6 0.4 0.4 0.4 0.1 0.1 86.9% 74.4% 72.6% 73.7% 69.6% 0.0 % 10. 0% 20. 0% 30. 0% 40. 0% 50. 0% 60. 0% 70. 0% 80. 0% 90. 0% 100 .0% 0 10 20 30 40 50 60 70 80 90 100 23年度 24年度 25年度 25年度-1Q 26年度-1Q 44.6 46.9 49.3 12.3 12.8 47.8 48.6 51.8 12.0 12.5 7.7 8.4 9.1 2.1 2.2 58.6% 48.8% 46.1% 43.2% 39.4% -17.0% -7.0% 3.0 % 13. 0% 23. 0% 33. 0% 43. 0% 53. 0% 63. 0% 23年度 24年度 25年度 25年度-1Q 26年度-1Q 57.1 59.3 62.0 15.5 16.2 58.6 57.6 61.3 14.3 15.0 9.6 10.1 10.8 2.5 2.5 61.1% 52.0% 49.0% 46.8% 43.1% -50.0% -30.0% -10.0% 10. 0% 30. 0% 50. 0% 70. 0% 0 200 400 600 800 1,0 00 1,2 00 1,4 00 1,6 00 1,8 00 2,0 00 23年度 24年度 25年度 25年度-1Q 26年度-1Q Expenses Steady decline in OHR under disciplined cost control OHR 125.4 127.2 134.2 OHR OHR OHR 6.7 5.9 6.1100.3 104.0 110.3 18.4 17.1 17.7 33.832.5 26.4 27.6 1.6 Achievement Rate compared to Forecast 23.7％ OHR(Forecast) 44.6% Expenses (Three Banks Combined) Expenses (BOY) Expenses (HNB) Expenses (KANAGIN) (¥ bn) (¥ bn) (¥ bn) (¥ bn) Personnel expenses Non- personnel expenses Taxes Personnel expenses Non- personnel expenses Taxes Personnel expenses Non- personnel expenses Taxes Personnel expenses Non- personnel expenses Taxes FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q
Page 25
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 24Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 1.9 1.1 0.4 0.0 0.2 0.47% 0.28% 0.10% 0.03% 0.24% -3.00% -2.50% -2.00% -1.50% -1.00% -0.50% 0.0 0% 0.5 0% 1.0 0% △ 10 0 10 20 30 40 50 (0.7) 1.5 1.1 0.4 0.3 (0.04%) 0.09% 0.07% 0.11% 0.08% -3.00% -2.50% -2.00% -1.50% -1.00% -0.50% 0.0 0% 0.5 0% 1.0 0% △ 46 4 54 104 154 204 9.3 6.6 5.8 (0.8) 1.6 0.06% 0.04% 0.03% (0.02%) 0.04% -0.10% -0.08% -0.06% -0.04% -0.02% 0.0 0% 0.0 2% 0.0 4% 0.0 6% 0.0 8% △ 15 35 85 135 185 235 10.4 9.4 7.4 (0.4) 2.2 0.06% 0.05% 0.04% (0.00%) 0.05% -0.10% -0.08% -0.06% -0.04% -0.02% 0.0 0% 0.0 2% 0.0 4% 0.0 6% 0.0 8% Credit Costs Credit costs remain low Achievement Rate compared to Forecast 22.2％ Credit Costs (Three Banks Combined) Credit Costs (HNB) Credit Costs (BOY) Credit Costs (KANAGIN) (¥ bn) (¥ bn)(¥ bn) (¥ bn) Credit Cost Ratio Credit Cost Ratio Credit Cost Ratio Credit Cost Ratio FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q FY23 FY24 FY25 FY25-1Q FY26-1Q
Page 26
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 25Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 Reference: Details of Credit Costs (¥ bn) FY23 FY24 FY25 FY25-1Q FY26-1Q Change BOY Credit Costs 9.3 6.6 5.8 (0.8) 1.6 2.5 General allowance for loan losses (3.0) 3.0 3.7 0.0 (0.4) (0.5) Provisions of allowance for specific loan losses, written off loans, etc. 12.4 3.6 2.0 (0.9) 2.0 3.0 Newly generated and category deterioration factors 18.0 11.0 7.0 1.0 3.3 2.3 of which new bankruptcies etc. 0.6 2.4 0.7 0.1 0.0 (0.0) Reserve reversals due to category improvement, etc. (5.9) (7.8) (5.7) (2.2) (1.3) 0.8 Others 0.0 0.4 0.7 0.2 0.1 (0.1) HNB Credit Costs (0.7) 1.5 1.1 0.4 0.3 (0.1) General allowance for loan losses (1.1) 0.5 (0.6) (0.0) 0.0 0.0 Provisions of allowance for specific loan losses, written off loans, etc. 0.4 1.0 1.8 0.5 0.3 (0.1) Newly generated and category deterioration factors 3.3 4.0 2.8 0.6 0.4 (0.2) of which new bankruptcies etc. 0.4 2.1 0.1 0.0 0.0 (0.0) Reserve reversals due to category improvement, etc. (2.8) (2.4) (1.1) (0.0) (0.2) (0.2) Others (0.0) (0.5) 0.1 (0.1) 0.0 0.2 KANA GIN Credit Costs 1.9 1.1 0.4 0.0 0.2 0.2 General allowance for loan losses 0.4 0.2 (0.2) 0.0 0.0 0.0 Provisions of allowance for specific loan losses, written off loans, etc. 1.4 0.9 0.6 (0.0) 0.1 0.1 Newly generated and category deterioration factors 1.2 0.7 0.6 0.1 0.1 0.0 of which new bankruptcies etc. 0.0 0.1 0.0 0.0 0.0 0.0 Reserve reversals due to category improvement, etc. 0.2 (0.0) (0.6) (0.6) (0.0) 0.5 Others (0.0) 0.2 0.6 0.5 0.1 (0.4) L&F Credit Costs 0.0 0.2 0.0 0.0 0.0 General allowance for loan losses 0.0 0.1 0.0 0.0 0.0 Provisions of allowance for specific loan losses, written off loans, etc. 0.0 0.0 0.0 0.0 0.0 Newly generated and category deterioration factors 0.0 0.0 0.0 0.0 0.0 of which new bankruptcies etc. 0.0 0.0 0.0 0.0 0.0 Reserve reversals due to category improvement, etc. (0.0) (0.1) (0.0) (0.0) (0.0) Others 0.0 0.0 0.0 0.0 0.0
Page 27
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 26Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 6.3 4.4 4.5 4.0 4.8 39.7 34.2 30.5 32.2 30.3 7.6 5.8 8.0 5.4 7.1 3.2% 2.7% 2.6% 2.5% 2.6% -2.0% -1.0% 0.0 % 1.0 % 2.0 % 3.0 % 4.0 % 0.9 1.2 0.9 1.3 1.0 10.5 9.5 8.6 8.4 9.2 2.6 2.9 3.6 3.8 3.2 3.4% 3.3% 3.0% 3.3% 3.0% -10.0% -8.0% -6.0% -4.0% -2.0% 0.0 % 2.0 % 4.0 % 9.1 8.2 8.6 11.0 9.7 111.5 109.1 109.1 105.3 110.9 51.1 49.3 50.2 48.4 50.0 1.1% 1.1% 1.0% 1.0% 1.0% 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 0 500 1,000 1,500 2,000 2,500 16.3 14.0 14.2 16.5 15.6 161.8 152.9 148.3 146.1 150.5 61.4 58.0 61.9 57.7 60.4 1.4% 1.3% 1.2% 1.2% 1.2% 0.0 % 0.2 % 0.4 % 0.6 % 0.8 % 1.0 % 1.2 % 1.4 % Balance of NPL (HNB) Balance of NPL (BOY) Balance of NPL (KANAGIN) 239.7 225.0 224.5 171.8 166.7 168.0 53.6 44.5 43.2 14.1 13.6 13.3 Balance of NPL (Three Banks Combined) 220.4 226.6 164.9 170.6 41.8 42.3 13.6 13.5 The disclosed NPL ratio under the FRL has been on a declining trend Balance of Non-Performing Loans (Disclosed under FRL) (¥ bn) (¥ bn)NPL Ratio (¥ bn)(¥ bn) In need of Special Caution Doubtful Unrecoverable or Valueless In need of Special Caution Doubtful Unrecoverable or Valueless In need of Special Caution Doubtful Unrecoverable or Valueless In need of Special Caution Doubtful Unrecoverable or Valueless NPL Ratio NPL Ratio NPL Ratio Mar-24 Jun-25Mar-25 Mar-26 Jun-26 Mar-24 Jun-25Mar-25 Mar-26 Jun-26Mar-24 Jun-25Mar-25 Mar-26 Jun-26 Mar-24 Jun-25Mar-25 Mar-26 Jun-26
Page 28
Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 27Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 458.3 477.2 494.1 477.3 491.8 Reference: Financial Summary of L&F Asset Finance P/L Loan Balance (End Balance) (¥ bn)(¥ bn) FY23 FY24 FY25 FY26 -1Q FY26 PlanYoY Achievement Rate Gross Operating Profit 18.0 18.0 18.1 4.3 0.1 18.7 23.2% Operating Revenue 18.7 19.7 21.7 5.5 0.4 23.4 23.7% Operating Expenses (-) 0.6 1.7 3.5 1.1 0.2 4.6 25.3% Expenses (-) 7.7 7.9 7.9 1.8 (0.1) 8.1 22.6% Net Business Profit 10.3 10.1 10.1 2.5 0.3 10.6 23.7% Ordinary Profit 10.3 10.1 10.1 2.5 0.3 10.6 23.7% Net Income 6.7 6.6 6.8 1.7 0.2 7.3 23.2% Reference: Credit Costs (-) (0.0) 0.0 0.2 0.0 0.0 0.２ 29.2% Income attributable to the FG from L&F (based on 85% ownership, after goodwill amortization, etc.) - - 4.9 1.2 0.2 5.3 23.2% Mar-24 Jun-25Mar-25 Mar-26 Jun-26
Page 29
Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 28Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Execution of Definitive Agreements to Acquire Shares in Sumitomo Mitsui Trust Panasonic Finance and Make It an Equity-Method Affiliate
Page 30
Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 29Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Acquisition of a wide range of high value-added functions Strategic Investment Strengthen and expand leasing function through this transaction, while deepening and expanding our customer base Specialized finance company AI FinTech Leasing Group’s Diversified Strengths Hamagin Research Institute (Research and Consulting) Hamagin Finance (Leasing) Hamagin Tokai Tokyo Securities (Securities brokerage) Yokohama Capital (Venture capital) System alliance （MEJAR） Overseas network (Offices / alliances overseas) Alliances with domestic regional banks Solutions provided by banks Group subsidiaries Collaboration with other companies Corporate Customers (Finance, Capital policy etc.) Individual Customers (Inheritance planning, Fund management etc.) Key functions enhanced through strategic investments Customer base centered on Tokyo and Kanagawa Group’s Diversified Strengths Provide a broad range of specialized solutions Long-term Vision Enhanced leasing function through a business alliance This transaction Customer Base Community-based Diversified Urban Financial Group Partnerships with other financial institutions Expanding market share in Tokyo and Kanagawa Sumitomo Mitsui Trust Panasonic Finance 3 pillars for the realization of the long-term vision
Page 31
Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 30Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Company Name Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. (“SMTPFC”) （In connection with the Joint Venture, SMTPFC plans to change its corporate name to “SMTB Leasing Co., Ltd.”) Business General finance business (Product Business, Wholesale Business, Retail Finance Business) Transaction Overview ⚫ Plan to acquire a portion of SMTPFC shares from Sumitomo Mitsui Trust Bank, Limited on October 1, 2026, for approx. JPY 20.0bn (15% stake) ⚫ Plan to enter into a business alliance agreement among Yokohama Financial Group, The Bank of Yokohama, Hamagin Finance, and SMTPFC Post- Transaction Shareholding Structure Strategic Purposes ⚫ Enhancement of Hamagin Finance’s capabilities (leasing) ⚫ Strengthening the Group’s comprehensive financial services capabilities by leveraging the platform of a major leasing company ⚫ Expansion of earnings base Financial Impacts ⚫ Limited impact on the CET1 ratio ⚫ In the consolidated financial results for the fiscal year ending March 31, 2027, the Group expects to record a gain on negative goodwill of approximately JPY 5.0 billion in connection with the acquisition of shares in SMTPFC.*1 Summary 40% *Yokohama Financial Group will nominate one director and one corporate auditor. 15% Four-party business alliance Agreement 45% *1 The amount stated above represents an estimate as of the date of this document. The actual amount may vary significantly depending on various factors, including the results of the purchase price allocation (PPA) and the performance of SMTPFC up to the closing date.
Page 32
Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 31Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. History The company traces its origins to National Radio Monthly Sales, established in 1951, and Sumishin Lease Co., Ltd., established in 1985. In 2008, the two companies were integrated under a holding company structure. Representative President: Keiichi Hamano Shareholders Sumitomo Mitsui Trust Bank, Limited: 84.9% Panasonic Holdings Corporation: 15.1% Number of Employees 1,131 (as of March 31, 2026) Head Office 1-2-3 Shibaura, Minato-ku, Tokyo Locations Tokyo (HQ), Sapporo, Sendai, Saitama, Nagoya, Osaka, Hiroshima, Okayama, Fukuoka, Kagoshima Major Subsidiary Sumitomo Mitsui Trust Leasing Pte. Ltd. Financial Position*1 Total Assets JPY1,636.9bn Net Assets JPY211.9bn Debt*2 JPY1,339.8bn Equity Ratio 12.94% Company Profile of Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. Overview Operating Assets P/L (¥ bn） FY23 FY24 FY25 Revenue 281.3 472.3 426.6 Ordinary Income 10.1 12.4 10.9 Net Income 7.1 9.9 18.9 *1 Consolidated. As of March 31, 2026 *2 Total of borrowings, bonds, and commercial paper ■ Product Business ■ Wholesale Business ■ Retail Finance Business 44% 25% 31% Operating Assets (As of March 31, 2026) ¥1.5tn
Page 33
Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026 32Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Strategic Rationale Enhancement of Hamagin Finance’s capabilities ✓ Strengthening product competitiveness through the utilization of SMTPFC’s products and the transfer of know-how ✓ Upgrading operational frameworks by leveraging SMTPFC’s expertise in application processes, credit screening models, electronic contracts and related areas Ensure effective know-how implementation through capital and business alliance Strengthening the Group’s comprehensive financial services capabilities Leverage a major leasing company’s business platform as a group-wide function ✓ Enhancing the Group’s ability to address financing needs that cannot be fully met by its banks or Hamagin Finance alone, through collaboration with SMTPFC Expansion of earnings base Capture stable earnings by making a leasing company an equity-method affiliate ✓ Equity-method income ✓ Additional returns through the expansion of SMTPFC’s business operations
Page 34
33Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Reference Materials
Page 35
34Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Overview of Integrated report - Key factors Continue to use a logic tree structure to enhance engagement with stakeholders TOP COMMITMENT Details of the three pillars for the realization of the long-term vision of becoming a “Community-based Diversified Urban Financial Group” and a trade-on enhancement of corporate value to meet the expectations of every stakeholder. Trade-on enhancement of corporate value with an eye to the future Message from the Director of Finance Details of business operations based on the logic tree to achieve the medium- to long-term target ROE level of “12% or higher” and sustainable improvement in ROE without relying on tailwinds such as policy rate hikes. Towards the realization of the medium- to long- term target ROE level Outside Directors Roundtable Discussion Details of the strengths to be further developed and issues to be addressed in realizing the long-term vision, in addition to the changes in discussions by the Board of Directors and the evaluation of the management team from the perspective of the outside directors. Strengthen management’s ability to execute by deepening governance
Page 36
35Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Overview of Integrated report - TOP COMMITMENT Big picture of management direction ⚫ A year of progress in partnership with the local community as we make a leap forward to a “Diversified Financial Group” ⚫ Towards the early achievement of the medium-term management plan target indicators ⚫ A leap forward to a “Community-based Diversified Urban Financial Group” and our approach to achieving ROE level of 12% or higher ⚫ “Three pillars” for realization of the long-term vision ⚫ Development of human resources befitting a “top regional financial group” ⚫ Productivity reform and the use of generative AI ⚫ Strengthening governance for sustainable growth ⚫ Trade-on enhancement of corporate value with an eye to the future Towards the realization of a trade-on enhancement of corporate value to meet the expectations of every stakeholder Yokohama Financial Group President and Representative Director Toward a leap forward to a “Community- based Diversified Urban Financial Group,” we will realize a trade-on enhancement of corporate value —reconciling even conflicting values—to meet the expectations of every stakeholder. Toward a “Diversified Financial Group” We work with local communities as we make a leap toward a “Diversified Financial Group.” Towards the early achievement of the medium-term management plan target indicators We expect to achieve the medium-term management plan target indicators in FY2026. Long-term Vision We will outline our approach to achieving ROE level of 12% or higher as we make a leap forward to a “Community-based Diversified Urban Financial Group.” “Three pillars” for achieving the long-term vision We will develop our business in line with the three pillars for achieving our long-term vision. Expanding market share in Tokyo and Kanagawa Acquisition of a wide range of high value-added functions Partnerships with other financial institutions Human resources befitting a “top regional financial group” We will develop human resources that excellence in both the ability to provide solutions and an integrity mindset. Productivity reform and the use of generative AI In order to create time to engage directly with customers, we will improve productivity and promote the use of generative AI. Strengthening governance for sustainable growth We have transitioned to a Company with an Audit and Supervisory Committee to strengthen our governance structure and enhance our cybersecurity efforts. Trade-on enhancement of corporate value with an eye to the future We will continue to enhance our corporate value to meet the expectations of every stakeholder. 1 2 3 4 5 6 7 8 Message to All Stakeholders
Page 37
36Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Overview of Integrated report - Message from the Director of Finance Specific description of initiatives to enhance corporate value ⚫ Initiatives to raise ROE based on the PBR logic tree ⚫ Strategic asset allocation toward RORA improvement ⚫ Balance sheet management to improve RORA and strengthen profitability ⚫ Disciplined cost control ⚫ Common equity Tier 1 ratio is within the target range under the medium-term management plan ⚫ Capital management that balances strategic investments with shareholder returns ⚫ Three elements for achieving the “medium- to long-term target ROE level of 12% or higher” ⚫ Reduction of policy shareholdings ⚫ Sustainable improvement in ROE without relying on tailwinds Initiatives for sustainable improvement in ROE Yokohama Financial Group Representative Director Nobuo Onodera A Message from the Director of Finance We will enhance our corporate value from a long-term perspective by further deepening our relationship with customers and deepening and expanding our solutions business toward our leap forward to a “Community-based Diversified Urban Financial Group” and a target ROE level of 12% or higher.
Page 38
37Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Overview of Integrated report - Outside Directors Roundtable Discussion Perspectives from Outside Directors ⚫ Changes in discussions at board meetings and the evaluation of the management team ⚫ Results of the first year of the medium-term management plan and issues to be focused on ⚫ Discussions of the Compensation and Personnel Committee and the succession plan ⚫ Evaluation of the implementation of “Initiatives to Enhance Corporate Value” ⚫ Strengths to further develop and issues to address in realizing the long-term vision ⚫ Strategic investments and alliances based on our group strategy Outside directors’ evaluation of the Company and the deepening of discussions Outside Directors RoundtableDiscussion By deepening governance, we will strengthen management’s ability to execute and support the enhancement of corporate value toward the realization of a “Community-based Diversified Urban Financial Group.” Yokohama Financial Group Outside Director Shigeru Ishii Yokohama Financial Group Outside Director Mitsuru Akiyoshi Yokohama Financial Group Outside Director Mami Yoda
Page 39
Yokohama Financial Group, Inc. Investor Presentation 1st quarter of FY2026Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 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.