Interim report
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Consolidated Financial Results for the Three Months ended June 30 , 2026 FASF MEMBERSHIP August 5 , 2026 < under Japanese GAAP > Company Name : Code Number : Representative : Representative Director , President Commencement of Dividend Payment : Trading Accounts : Established Supplemental Information for Financial Statements : Investor Meeting Presentation : Yokohama Financial Group , Inc. 7186 Stock Exchange Listing : URL : Tatsuya Kataoka Tokyo https://www.yokohamafg.co.jp/ Available Scheduled ( For Institutional Investors and Analysts ) ( Amounts less than one million yen are rounded down . ) 1. Consolidated Financial Results ( for the Three Months ended June 30 , 2026 ) ( 1 ) Operating Results ( Unit : Millions of Yen , except per share data and percentages ) Ordinary Income Three Months ended June 30 , 2026 130,998 112,939 15.9 % 21.9 % Ordinary Profit Profit Attributable to Owners of Parent 45,462 38,331 18.6 % 32,028 18.4 % 17.3 % 27,036 19.2 % Three Months ended June 30 , 2025 ( Note 1 ) Comprehensive Income : Three Months ended June 30 , 2026 : ¥ 75,462 million [ 56.2 % ] ; Three Months ended June 30 , 2025 : ¥ 48,311 million [ 351.8 % ] ( Note2 ) Percentages shown in Ordinary Income , Ordinary Profit , Profit Attributable to Owners of Parent and Comprehensive Income are the increase ( decrease ) from the same period of the previous year . Net Income per Share Net Income per ( Diluted ) Share Three Months ended June 30 , 2026 Three Months ended June 30 , 2025 ¥ 28.81 ¥ 23.68 ¥ 28.81 ¥ 23.68 ( 2 ) Financial Position ( Unit : Millions of Yen , except percentages ) Total Assets Total Net Assets Own Capital Ratio June 30 , 2026 March 31 , 2026 ( Reference ) Own Capital : June 30 , 2026 : ¥ 1,455,678 million ; March 31 , 2026 : ¥ 1,403,856 million ( Note ) Own Capital Ratio = ( Total Net Assets - Non - controlling Interests ) / Total Assets The ratio above is not based on the regulation of Capital Adequacy Ratio . 1,418,344 25,082,919 25,670,496 1,469,601 5.8 % 5.4 % 2. Dividends on Common Stock 1st Quarter -End 2nd Quarter -End Annual Dividends per Share 3rd Quarter -End Fiscal Year -End Total Fiscal year ended March 31 , 2026 Fiscal year ending March 31 , 2027 ¥ 17.00 ¥ 21.00 ¥ 38.00 Fiscal year ending March 31 , 2027 ( Forecasts ) ¥ 23.00 ( Note ) Revision of forecasts for dividends from the latest announcement : No 3. Consolidated Earnings Forecasts ( for the fiscal year ending March 31 , 2027 ) ¥ 24.00 ¥ 47.00 Fiscal year ending March 31 , 2027 Ordinary Profit 191,500 23.5 % ( Unit : Millions of Yen , except per share data and percentages ) Profit Attributable to Owners of Parent 129,000 21.1 % Net Income per Share ¥ 116.06 ( Note 1 ) Revision of earnings forecasts from the latest announcement : No ( Note2 ) Percentages shown in Ordinary Profit and Profit Attributable to Owners of Parent are the increase ( decrease ) from the previous year .
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※ NOTES (1) Significant changes in the scope of consolid ation during the current period: No (2) Adoption of simplified accounting methods for the preparation of quarterly consolidated financial statements: No (3) Changes in accounting policies, accounting estimates, and restatements: (A) Changes in accounting policies due to revision of accounting standards: No (B) Changes in accounting policies due to reasons other than (A): No (C) Changes in accounting estimates: No (D) Restatements: No (4) Number of common stocks issued: (A) Number of stocks issued (including treasury stocks): June 30, 2026 1,144,616,065 shares March 31, 2026 1,144,616,065 shares (B) Number of treasury stocks: June 30, 2026 32,961,947 shares March 31, 2026 33,138,582 shares (C) Average outstanding stocks for the three months ended: June 30, 2026 1,111,562,727 shares June 30, 2025 1,141,449,109 shares ※ Review of the accompanying interim consolidated financial statements by certified public accountants or audit firms: No ※ Notes for using forecasts information, etc. 1. The description of future performance of this report is based on information which is presently available and certain assumptions which are considered to be reasonable, and it does not guarantee future performance. Please take note that future performance may differ from forecasts. 2. The impact of repurchase of own shares based on “Notic e Regarding the Setting of Parameters for Common Stock Share Repurchase” which is announced separately today is not taken into account in average outstanding stocks for this period which are used to calculate net income per share for the fiscal year ending March 31, 2027.
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Contents of Attachment 1. Overview of financial results and other information ………………………………………………………………… 2 (1) Overview of financial results for the Three Months ended June 30, 2026 …………………………………………2 (2) Overview of financial position for the Three Months ended June 30, 2026 ………………………………………2 2. Consolidated Financial Statements and Notes …………………………………………………………………………3 (1) Consolidated Balance Sheets …………………………………………………………………………………… 3 (2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income ………………… 4 (3) Notes to Segment Information ……………………………………………………………………………………6 (4) Notes on Significant Changes in the Amounts of Shareholders’ Equity ………………………………………… 6 (5) Notes to the Statement of Cash Flows ……………………………………………………………………………6 (6) Notes on Going Concern Assumption …………………………………………………………………………… 6 (7) Significant Subsequent Events ……………………………………………………………………………………6 ※ Supplemental Information for Quarterly Financial Statements Selected Financial Information for the Three Months ended June 30, 2026 Yokohama Financial Group, Inc. (7186) - 1 -
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1．Overview of financial results and other information (1) Overview of financial results for the Three Months ended June 30, 2026 For the three months ended June 30, 2026, ordinary income increased by ¥18.0 billion from the same period of the previous year to ¥130.9 billion, mainly due to the increase in interest in come from interest on loans and bills discounted resulting from an improvement in the interest rate environment. Ordinary expenses increased by ¥10.9 billi on from the same period of the previous year to ¥85.5 billion, mainly due to the increase in other ordinary expenses resulting from losses incu rred on the sale of yen-denomin ated bonds and the cancellation of investment trusts for portfolio improvement purposes, in addition to the increase in interest expenses resulting from higher interest on deposits. As a result, ordinary profit increased by ¥7.1 billion from the same period of the previous year to ¥45.4 billion. In addition, profit attributable to owners of parent increased by ¥4.9 billion from the same period of the previous year to ¥32.0 billion, marking the fourth consecutive year of profit growth for the first quarter. (2) Overview of financial position for the Three Months ended June 30, 2026 As of June 30, 2026, total assets decreased by ¥587.5 billion from the end of the prev ious fiscal year to ¥25,082.9 billion, an d net assets increased by ¥51.2 billion from the end of the previous fiscal year to ¥1,469.6 billion. As for major account balances, deposits decreased by ¥612.9 billion from the end of the previous fiscal year to ¥20,264.2 billion. Loans and bills discounted increased by ¥19.9 billion from the end of the previous fiscal year to ¥17,687.3 billion, and securities decreased by ¥43.4 billion from the end of the previous fiscal year to ¥3,034.1 billion. Yokohama Financial Group, Inc. (7186) - 2 -
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2. Consolidated Financial Statements and Notes (1) Consolidated Balance Sheets (Unit: Millions of Yen) As of March 31, 2026 As of June 30, 2026 Cash and due from banks 4,152,428 3,584,362 Call loans and bills bought 117,656 112,370 Monetary claims bought 24,926 23,998 Trading assets 1,253 1,284 Money held in trust 13,547 13,632 Securities 3,077,662 3,034,189 Loans and bills discounted 17,667,404 17,687,342 Foreign exchanges 19,051 40,731 Lease receivables and investment assets 78,690 78,148 Other assets 257,567 237,908 Tangible fixed assets 171,352 170,698 Intangible fixed assets 30,209 29,986 Net defined benefit asset 84,789 85,193 Deferred tax assets 981 852 Customers' liabilities for acceptances and guarantees 60,118 71,290 Allowance for loan losses (87,144) (89,072) Total assets 25,670,496 25,082,919 Deposits 20,877,254 20,264,272 Negotiable certificates of deposit 274,750 227,676 Call money and bills sold 137,991 171,331 Payables under repurchase agreements 82,995 65,519 Payables under securities lending transactions 168,152 122,967 Commercial paper 134,855 136,830 Borrowed money 1,976,520 1,968,123 Foreign exchanges 973 542 Bonds payable 35,000 50,000 Due to trust account 52,887 53,268 Other liabilities 385,771 400,296 Provision for bonuses 6,651 1,837 Provision for directors' bonuses 83 － Provision for share-based compensation 497 435 Net defined benefit liability 979 976 Provision for reimbursement of deposits 1,487 1,404 Provision for contingent losses 2,083 2,088 Reserves under special laws 29 27 Deferred tax liabilities 37,075 58,434 Deferred tax liabilities for land revaluation 15,993 15,993 Acceptances and guarantees 60,118 71,290 Total liabilities 24,252,151 23,613,318 Net assets: Capital stock 150,078 150,078 Capital surplus 204,725 204,725 Retained earnings 908,378 917,003 Treasury shares (42,946) (42,839) Total shareholders' equity 1,220,235 1,228,967 Valuation difference on available-for-sale securities 123,229 167,339 Deferred gains or losses on hedges 479 (61) Revaluation reserve for land 34,290 34,290 Foreign currency translation adjustment 1,427 1,499 Remeasurements of defined benefit plans 24,194 23,642 Total accumulated other comprehensive income 183,621 226,710 Non-controlling interests 14,487 13,922 Total net assets 1,418,344 1,469,601 Total liabilities and net assets 25,670,496 25,082,919 Assets: Liabilities: Yokohama Financial Group, Inc. (7186) - 3 -
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(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income (Consolidated Statements of Income) (For the three months ended) (Unit: Millions of Yen) June 30, 2025 June 30, 2026 Ordinary income 112,939 130,998 Interest income 79,445 97,662 Of which, interest on loans and bills discounted 62,116 75,446 Of which, interest and dividends on securities 7,815 9,622 Trust fees 56 57 Fees and commissions 20,566 18,660 Trading income 58 109 Other ordinary income 8,188 9,207 Other income 4,623 5,302 Ordinary expenses 74,608 85,536 Interest expenses 21,886 28,563 Of which, interest on deposits 13,157 18,871 Fees and commissions payments 2,734 2,500 Trading expenses 81 Other ordinary expenses 10,432 13,495 General and administrative expenses 36,048 37,219 Other expenses 3,496 3,756 Ordinary profit 38,331 45,462 Extraordinary income － 1 Reversal of reserve for financial instruments transaction liabilities － 1 Extraordinary losses 220 191 Loss on disposal of non-current assets 220 191 Profit before income taxes 38,110 45,272 Income taxes - current 10,378 11,325 Income taxes - deferred 409 1,573 Total income taxes 10,788 12,899 Profit 27,321 32,372 Profit attributable to non-controlling interests 285 344 Profit attributable to owners of parent 27,036 32,028 Yokohama Financial Group, Inc. (7186) - 4 -
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(Consolidated Statements of Comprehensive Income) (For the three months ended) (Unit: Millions of Yen) June 30, 2025 June 30, 2026 Profit 27,321 32,372 Other comprehensive income 20,989 43,089 Valuation difference on available-for-sale securities 21,641 44,110 Deferred gains or losses on hedges 12 (540) (199) (552) (465) 71 Comprehensive income 48,311 75,462 (Comprehensive income attributable to) Comprehensive income attributable to owners of parent 48,004 75,119 Comprehensive income attributable to non-controlling interests 306 343 Remeasurements of defined benefit plans Share of other comprehensive income of entities accounted for using equity method Yokohama Financial Group, Inc. (7186) - 5 -
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(3) Notes to Segment Information The disclosure of segment information is omitted because Yokohama Financial Group, Inc. operates in a single segment of banking business. (4) Notes on Significant Changes in the Amounts of Shareholders’ Equity Not applicable. (5) Notes to the Statement of Cash Flows Consolid ated statement of cash flows for the three months ended June 30, 2026 is not prepared. The amount of depreciation expenses (including amortization expenses of intangible assets excluding goodwill) and the amount of amortization of goodwill for the three months ended June 30, 2026 are recorded as follows: Previous period (from April 1, 2025 to June 30, 2025) Current period (from April 1, 2026 to June 30, 2026) Depreciation expenses ¥3,231 million ¥3,457 million Amortization of goodwill ¥185 million ¥185 million (6) Notes on Going Concern Assumption Not applic able. (7) Significant Subsequent Events (Execution of Definit ive Agreements for the Acquisition of Shares) On July 30, 2026, Yokohama Financial Group, Inc. (hereinafter, the “Company”) entered into definitive agreements with Sumitomo Mitsui Trust Bank, Limited and Fuyo General Lease Co., Ltd. regarding the acquisition of shares in Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. (“SMTPFC”). On October 1, 2026, the Company plans to acquire a portion of SMTPFC shares. After the acquisition, SMTPFC is expected to become an equity-method affiliate of the Company. For further details, please refer to the news release dated July 30, 2026, entitled "Yokohama Financial Group Executes Definitive Agreements to Acquire Shares in Sumitomo Mitsui Trust Panasonic Finance and Make It an Equity-Method Affiliate". The impact of this transaction on the Company’s consolidated financial results is currently being evaluated. If any information requiring disclosure arises in the future, the Company will promptly make an announcement. Yokohama Financial Group, Inc. (7186) - 6 -
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【 CONTENTS 】 Ⅰ．Summary （Income Status） ………………………………………………………………………………………… １ Ⅱ．Digest of Financial Results for the three months ended June 30, 2026 …………………………………………………………… … ２ １． Profit and Loss ………………………………………………………………………………………………………………………………………… … ２ ２． Average Balance of Use and Source of Funds (Domestics) ……………………………………………………………………… … ７ ３． Interest Margins (Domestics) …………………………………………………………………………………………………………………… … ７ ４． Gains or Losses on Investment Securities ………………………………………………………………………………………………… … ８ ５． Net Unrealized Gains (Losses) on Securities ……………………………………………………………………………………………… ９ ６． Risk Managed Loans and Claims Disclosed under the Financial Revitalization Law …………………………………… … １０ ７． Loans Information …………………………………………………………………………………………………………………………………… … １１ ８． Deposits Information ……………………………………………………………………………………………………………………………… … １２ ９． Investment Products for Individuals ………………………………………………………………………………………………………… … １３ SELECTED FINANCIAL INFORMATION FOR THE THREE MONTHS ENDED JUNE 30, 2026 Capital ratio as of June 30, 2026 will be announced when it is fixed. Yokohama Financial Group, Inc. (7186)
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Ⅰ．Summary （Income Status） (Unit: Billions of Yen) 1 Gross operating income 78.3 8.9 70.0 8.8 5.9 (0.0) 2.3 0.2 2 74.7 8.2 66.3 8.1 5.9 (0.0) 2.3 0.2 3 Of which, net interest income 69.4 13.0 61.5 12.5 5.8 0.3 2.0 0.2 4 48.0 7.1 40.9 6.5 5.2 0.3 1.8 0.2 5 13.7 4.0 12.5 3.7 1.0 0.2 0.1 0.0 6 Of which, net fees and commissions 11.5 (2.0) 10.7 (1.9) 0.5 (0.0) 0.2 (0.0) 7 Of which, net other ordinary income (6.3) (2.8) (5.9) (2.5) (0.4) (0.3) (0.0) (0.0) 8 3.6 0.7 3.6 0.7 (0.0) (0.0) － 0.0 9 Expenses 33.8 1.3 27.6 1.1 4.5 0.0 1.6 0.0 10 （Reference）OHR ※２ 43.1% (3.7%pt) 39.4% (3.8%pt) 75.9% 2.1%pt 69.6% (4.1%pt) 11 Of which, personnel expenses 16.2 0.6 12.8 0.5 2.4 0.0 0.8 0.0 12 Of which, non-personnel expenses 15.0 0.6 12.5 0.5 1.7 0.1 0.6 0.0 13 Core net business profit (1-9) 44.5 7.6 42.3 7.6 1.4 (0.1) 0.7 0.1 14 51.3 10.9 48.7 10.6 1.8 0.1 0.7 0.1 15 (0.3) (0.3) (0.4) (0.4) 0.0 0.0 0.0 0.0 16 Net business profit (1-9-15) 44.9 7.9 42.8 8.1 1.4 (0.2) 0.6 0.0 17 Non-recurring gains (losses) 2.5 0.7 2.7 1.0 0.0 0.1 (0.1) (0.5) 18 2.5 2.9 2.0 2.9 0.3 (0.1) 0.1 0.1 19 4.0 3.0 3.8 3.6 0.1 (0.2) － (0.3) 20 Ordinary profit (16+17) 47.4 8.7 45.5 9.2 1.4 (0.0) 0.4 (0.4) 21 Extraordinary income (losses) (0.1) 0.0 (0.1) 0.0 (0.0) (0.0) (0.0) 0.0 22 Total income taxes 11.2 1.8 10.7 2.0 0.3 (0.0) 0.1 (0.1) 23 Net income (20+21-22) 36.0 6.8 34.6 7.1 1.1 (0.0) 0.3 (0.2) 24 Credit costs (15+18) 2.2 2.6 1.6 2.5 0.3 (0.1) 0.2 0.2 25 Credit cost ratio ※３ 0.05% 0.05%pt 0.04% 0.06%pt 0.08% (0.03%pt) 0.24% 0.21%pt ＜Yokohama Financial Group, Inc. Consolidated＞ (Unit: Billions of Yen) 26 Consolidated ordinary profit 45.4 7.1 27 32.0 4.9 28 1.2 0.2 29 8.9% 0.6%pt * Net interest income, etc., excluding interest on deposits and loans and bills discounted, and interest and dividends on securit ies. Gross operating income from domestic operations Of which, interest on deposits and loans and bills discounted ※１ Gross operating income from international operations Provision of allowance for general loan losses Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts Of which, interest and dividends on securities Of which, income from L&F (after amortization of goodwill,etc.) Consolidated ROE (TSE standards, annualized basis) For the three months ended June 30, 2026 For the three months ended June 30, 2026 Combined Yokohama ＜The Bank of Yokohama, Ltd. ,The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined＞ KANAGAWA For the three months ended June 30, 2026 Increase/ (Decrease) Profit attributable to owners of parent Of which, disposal of bad debts Of which, gains or losses on stocks and other securities For the three months ended June 30, 2026 Increase/ (Decrease) Increase/ (Decrease) Increase/ (Decrease) Increase/ (Decrease) Higashi-Nippon For the three months ended June 30, 2026 ＜The Bank of Yokohama, Ltd. ,The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined＞ ・ Gross operating income increased by ¥8.9 billion from the same period of the previous year to ¥78.3 billion, due to the increase in net interest income from domestic operations (up ¥13.0 billion from the same period of the previous year), including interest on deposits and loans and bills discounted and interest and dividends on securities, driven by an improvement in the interest rate environment. This more than offset the decrease in net fees and commissions and the decrease in net other ordinary income caused by the sale of yen bonds and the cancellation of investment trusts aiming at improving the portfolio. ・ Core net business profit increased by ¥7.6 billion from the same period of the previous year to ¥44.5 billion, and core net business profit excluding gains (losses) on bonds and cancellation of investment trusts increased by ¥10.9 billion from the same period of the previous year to ¥51.3 billion. This was due to the increase in gross operating income, despite the increase in expenses mainly attributable to higher personnel expenses resulting from base salary increases and performance-linked bonuses. ・ Net income increased by ¥6.8 billion from the same period of the previous year to ¥36.0 billion, as credit costs increased by ¥2.6 billion, and gains or losses on stocks and other securities increased by ¥3.0 billion from the same period of the previous year. ＜Yokohama Financial Group, Inc. Consolidated＞ …Marking the fourth consecutive year of profit growth for the first quarter. ・ Profit attributable to owners of parent increased by ¥4.9 billion from the same period of the previous year to ¥32.0 billion. Progress rate against annual forecast was 24.8%. < Reason for the increase and decrease in Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts > 【Combined】 +7.1 (2.0) +4.0 +3.1 (1.3) 40.3 51.3 1 2 3 4 5 6 7 +10.9 Increase (decrease) from the same period of the previous year Increase (decrease) from the same period of the previous year Yokohama 38.1 +6.5 (1.9) +3.7 +3.4 (1.1) 48.7 +10.6 Higashi - Nippon 1.6 +0.3 (0.0) +0.2 (0.2) (0.0) 1.8 0.1 KANAGAWA 0.5 +0.2 (0.0) +0.0 (0.0) (0.0) 0.7 +0.1 Expenses ( － ) For the three months ended June 30, 2026 For the three months ended June 30, 2025 Interest on deposits and loans and bills discounted from domestic operations Net fees and commissions from domestic operations Others * Interest and dividends on securities ※１ Including interest on negotiable certificates of deposit [+18.6％] [+18.4％] Expenses Gross operating income※２ OHR ＝ ×100 Credit costs Average balance of loans Credit cost ratio （annualized basis） ＝ ×100※３ Yokohama Financial Group, Inc. (7186) ー 1 ー
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Ⅱ．Digest of Financial Results for the three months ended June 30, 2026 Ⅱ．２０２７年３月期 第１四半期決算の概況 １．Profit and Loss １．損益状況 （１） Yokohama Financial Group, Inc. Consolidated （１）横浜フィナンシャルグループ 連結 (Unit: Millions of Yen) For the three months ended For the year ended (A)-(B) [10.7%] 1 連結粗利益 81,135 7,883 73,252 307,136 2 Net interest income 資金利益 69,098 11,540 57,558 260,262 3 Trust fees 信託報酬 57 1 56 388 4 Net fees and commissions 役務取引等利益 16,160 (1,671) 17,831 65,373 5 Net trading income 特定取引利益 107 58 49 454 6 Net other ordinary income その他業務利益 (4,288) (2,044) (2,244) (19,342) 7 営業経費 （△） 37,219 1,171 36,048 149,879 8 （参考）連結ＯＨＲ (%) (7÷1) 45.8 (3.4) 49.2 48.7 9 与信関係費用 （△） 2,741 2,667 74 8,982 10 Written-off of loans 貸出金償却 （△） 972 (342) 1,314 3,728 11 Provision of allowance for specific loan losses 個別貸倒引当金繰入額 （△） 2,174 2,174 － 1,792 12 Provision of allowance for general loan losses 一般貸倒引当金繰入額 （△） (104) (104) － 3,229 13 Reversal of allowance for loan losses 貸倒引当金戻入益 － (1,374) 1,374 － 14 Recoveries of written-off claims 償却債権取立益 476 42 434 1,313 15 Other その他 （△） 174 (394) 568 1,544 16 株式等関係損益 4,043 3,139 904 5,983 17 持分法による投資損益 77 (236) 313 669 18 その他 165 181 (16) 90 [18.6%] 19 経常利益 45,462 7,131 38,331 155,018 20 特別損益 (189) 31 (220) (1,267) 21 税金等調整前四半期（当期）純利益 45,272 7,162 38,110 153,751 22 法人税等合計 （△） 12,899 2,111 10,788 45,804 23 32,372 5,051 27,321 107,946 24 非支配株主に帰属する四半期 （当期）純利益 （△） 344 59 285 1,423 [18.4%] 25 親会社株主に帰属する四半期 （当期）純利益 32,028 4,992 27,036 106,523 Note : Consolidated 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) (Unit: Millions of Yen) (Reference) （参考） For the three months ended For the year ended (A)-(B) [16.3%] 26 連結業務純益 43,257 6,085 37,172 156,610 （注） 「連結業務純益」は、連結粗利益－営業経費（除く臨時処理分）＋持分法による投資損益で算出しております。 Note : Consolidated net business profit = Consolidated gross operating income - General and administrative expenses (excluding non-recurring losses) + Share of profit or loss of entities accounted for using equity method (Number of Consolidated Companies) （連結対象会社数） (Unit: Number of Companies) (A)-(B) 27 連結子会社数 12 － 12 12 28 持分法適用会社数 3 (1) 4 3 Profit attributable to non-controlling interests Number of companies accounted for by the equity method Profit attributable to owners of parent Consolidated net business profit Number of consolidated subsidiaries （注） 「連結粗利益」は、（資金運用収益－資金調達費用）＋信託報酬＋（役務取引等収益－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)で算出しております。 As of March 31, 2026 As of June 30, 2026(A) As of June 30, 2025(B) Profit before income taxes Total income taxes 四半期（当期）純利益 Ordinary profit Extraordinary income (losses) Profit Consolidated gross operating income General and administrative expenses Credit costs Gain or loss on stocks and other securities Other (Reference) Consolidated ＯＨＲ (%) (7 / 1) Share of profit or loss of entities accounted for using equity method June 30, 2026(A) June 30, 2025(B) <Reference> March 31, 2026 June 30, 2026(A) June 30, 2025(B) <Reference> March 31, 2026 Yokohama Financial Group, Inc. (7186) ー 2 ー
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（２） The Bank of Yokohama, Ltd. ,The Higashi-Nippon Bank, Limited （２） ３行合算 and THE KANAGAWA BANK, LTD. Combined (Unit: Millions of Yen) For the three months ended For the year ended (A)-(B) [12.9%] 1 業務粗利益 78,366 8,981 69,385 273,399 2 国内業務粗利益 74,718 8,249 66,469 260,254 3 Net interest income 資金利益 69,473 13,083 56,390 239,268 4 (Of which, gains (losses) on bonds and cancellation of investment trusts) （うち投資信託解約損益） － － － － 5 Net fees and commissions 役務取引等利益 11,579 (2,036) 13,615 47,099 6 Net trading income 特定取引利益 25 47 (22) 38 7 Net other ordinary income その他業務利益 (6,360) (2,847) (3,513) (26,151) 8 (Of which, gains (losses) on bonds) （う ち国債等債券損益） (6,781) (3,684) (3,097) (29,009) 9 国際業務粗利益 3,648 732 2,916 13,145 10 Net interest income 資金利益 2,863 448 2,415 10,061 11 (Of which, gains (losses) on bonds and cancellation of investment trusts ) （うち投資信託解約損益） － － － － 12 Net fees and commissions 役務取引等利益 112 (14) 126 591 13 Net trading income 特定取引利益 (26) (6) (20) 24 14 Net other ordinary income その他業務利益 698 304 394 2,467 15 (Of which, gains (losses) on bonds) （う ち国債等債券損益） (6) 349 (355) (1,441) [4.0%] 16 経費（除く臨時処理分） （△） 33,824 1,317 32,507 134,234 17 人件費 （△） 16,205 615 15,590 62,053 18 物件費 （△） 15,036 658 14,378 61,364 19 税金 （△） 2,582 44 2,538 10,816 20 （参考）ＯＨＲ (%) (16÷1) 43.1 (3.7) 46.8 49.0 [20.7%] 21 実質業務純益 44,541 7,663 36,878 139,165 22 コア業務純益 （ 21-26 ） 51,329 10,997 40,332 169,616 [27.2%] 23 コア業務純益(除く投資信託解約損益)（ 22-4-11 ） 51,329 10,997 40,332 169,616 24 一般貸倒引当金繰入額 （△） (363) (311) (52) 3,095 25 業務純益 44,905 7,974 36,931 136,069 26 うち国債等債券損益(５勘定尻) (6,787) (3,334) (3,453) (30,451) 27 臨時損益 2,591 730 1,861 3,968 28 不良債権処理額 （△） 2,591 2,945 (354) 4,323 29 Written-off of loans 貸出金償却 （△） 1 (4) 5 146 30 Provision of allowance for specific loan losses 個別貸倒引当金繰入額 （△） 2,461 2,013 448 3,093 31 Loss on sales of non-performing loans 延滞債権等売却損 （△） 2( 5 )7 7 2 32 Reversal of allowance for loan losses 貸倒引当金戻入益 － (1,357) 1,357 292 33 Recoveries of written-off claims 償却債権取立益 46 28 18 123 34 Other その他 （△） 172 (389) 561 1,426 35 株式等関係損益 4,023 3,068 955 5,764 36 その他の臨時損益 1,158 606 552 2,526 [22.4%] 37 経常利益 47,496 8,703 38,793 140,038 38 特別損益 (191) 29 (220) (1,260) 39 税引前四半期(当期)純利益 47,305 8,733 38,572 138,777 40 法人税等合計 （△） 11,295 1,883 9,412 39,719 [23.4%] 41 四半期(当期)純利益 36,010 6,850 29,160 99,058 42 与信関係費用 (24+28) （△） 2,227 2,633 (406) 7,418 Total income taxes Net income Income before income taxes Extraordinary income (losses) Gain or loss on stocks and other securities Other non-recurring gains (losses) Ordinary profit Disposal of bad debts Non-Personnel expenses (Reference) ＯＨＲ (%) (16/ 1) Core net business profit Provision of allowance for general loan losses Net business profit Taxes June 30, 2026(A) June 30, 2025(B) Gross operating income from domestic operations Gross operating income from international operations Expenses Personnel expenses <Reference> March 31, 2026 Credit costs （ 24+28 ） Gross operating income Of which, gains (losses) on bonds Non-recurring gains (losses) Core net business profit excluding gains (losses) on bonds （21-26） Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts （22-4-11） Yokohama Financial Group, Inc. (7186) ー 3 ー
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（３）The Bank of Yokohama, Ltd. Non-consolidated （３） 横浜銀行 単体 (Unit: Millions of Yen) For the three months ended For the year ended (A)-(B) [14.4%] 1 業務粗利益 70,038 8,837 61,201 239,361 2 国内業務粗利益 66,388 8,101 58,287 226,210 3 Net interest income 資金利益 61,550 12,506 49,044 208,500 4 (Of which, gains (losses) on bonds and cancellation of investment trusts) （うち投資信託解約損益） － － － － 5 Net fees and commissions 役務取引等利益 10,770 (1,936) 12,706 42,127 6 Net trading income 特定取引利益 25 47 (22) 38 7 Net other ordinary income その他業務利益 (5,957) (2,516) (3,441) (24,456) 8 (Of which, gains (losses) on bonds) （う ち国債等債券損益） (6,378) (3,353) (3,025) (27,314) 9 国際業務粗利益 3,649 735 2,914 13,150 10 Net interest income 資金利益 2,864 447 2,417 10,067 11 (Of which, gains (losses) on bonds and cancellation of investment trusts ) （うち投資信託解約損益） － － － － 12 Net fees and commissions 役務取引等利益 112 (14) 126 591 13 Net trading income 特定取引利益 (26) (6) (20) 24 14 Net other ordinary income その他業務利益 698 306 392 2,467 15 (Of which, gains (losses) on bonds) （う ち国債等債券損益） (6) 349 (355) (1,441) [4.4%] 16 経費（除く臨時処理分） （△） 27,647 1,183 26,464 110,350 17 人件費 （△） 12,860 549 12,311 49,335 18 物件費 （△） 12,579 530 12,049 51,897 19 税金 （△） 2,208 105 2,103 9,116 20 （参考）ＯＨＲ (%) (16÷1) 39.4 (3.8) 43.2 46.1 [22.0%] 21 実質業務純益 42,390 7,653 34,737 129,011 22 コア業務純益 （ 21-26 ） 48,775 10,657 38,118 157,767 [27.9%] 23 コア業務純益(除く投資信託解約損益)（ 22-4-11 ） 48,775 10,657 38,118 157,767 24 一般貸倒引当金繰入額 （△） (464) (464) － 3,794 25 業務純益 42,854 8,117 34,737 125,216 26 うち国債等債券損益(５勘定尻) (6,384) (3,003) (3,381) (28,755) 27 臨時損益 2,703 1,083 1,620 4,905 28 不良債権処理額 （△） 2,099 2,990 (891) 2,053 29 Written-off of loans 貸出金償却 （△） 1 (4) 5 146 30 Provision of allowance for specific loan losses 個別貸倒引当金繰入額 （△） 2,139 2,139 － 1,642 31 Loss on sales of non-performing loans 延滞債権等売却損 （△） 000 0 32 Reversal of allowance for loan losses 貸倒引当金戻入益 － (888) 888 － 33 Recoveries of written-off claims 償却債権取立益 45 40 5 64 34 Other その他 （△） 3 6 (3) 326 35 株式等関係損益 3,890 3,698 192 4,463 36 その他の臨時損益 911 375 536 2,494 [25.3%] 37 経常利益 45,558 9,201 36,357 130,122 38 特別損益 (154) 10 (164) (939) 39 税引前四半期(当期)純利益 45,404 9,211 36,193 129,182 40 法人税等合計 （△） 10,796 2,085 8,711 36,784 [25.9%] 41 四半期(当期)純利益 34,607 7,126 27,481 92,397 42 与信関係費用 (24+28) （△） 1,634 2,525 (891) 5,847 <Reference> March 31, 2026 Core net business profit Gross operating income June 30, 2026(A) June 30, 2025(B) Expenses Personnel expenses Non-Personnel expenses Taxes (Reference) ＯＨＲ (%) (16 / 1) Gross operating income from domestic operations Gross operating income from international operations Gain or loss on stocks and other securities Other non-recurring gains (losses) Ordinary profit Extraordinary income (losses) Provision of allowance for general loan losses Net business profit Of which, gains (losses) on bonds Non-recurring gains (losses) Disposal of bad debts Income before income taxes Total income taxes Net income Credit costs （ 24+28 ） Core net business profit excluding gains (losses) on bonds （21-26） Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts （22-4-11） Yokohama Financial Group, Inc. (7186) ー 4 ー
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（４） The Higashi-Nippon Bank, Limited Non-consolidated （４） 東日本銀行 単体 (Unit: Millions of Yen) For the three months ended For the year ended (A)-(B) [( 1.3%)] 1 業務粗利益 5,988 (82) 6,070 25,542 2 国内業務粗利益 5,989 (80) 6,069 25,547 3 Net interest income 資金利益 5,861 345 5,516 22,973 4 (Of which, gains (losses) on bonds and cancellation of investment trusts) （うち投資信託解約損益） － － － － 5 Net fees and commissions 役務取引等利益 530 (95) 625 3,646 6 Net trading income 特定取引利益 － － － － 7 Net other ordinary income その他業務利益 (402) (330) (72) (1,072) 8 (Of which, gains (losses) on bonds) （う ち国債等債券損益） (402) (330) (72) (1,072) 9 国際業務粗利益 (0) (1) 1 (5) 10 Net interest income 資金利益 (0) 1 (1) (6) 11 (Of which, gains (losses) on bonds and cancellation of investment trusts ) （うち投資信託解約損益） － － － － 12 Net fees and commissions 役務取引等利益 － (0) 0 0 13 Net trading income 特定取引利益 － － － － 14 Net other ordinary income その他業務利益 － (1) 1 0 15 (Of which, gains (losses) on bonds) （う ち国債等債券損益） － － － － [1.3% ] 16 経費（除く臨時処理分） （△） 4,546 62 4,484 17,710 17 人件費 （△） 2,489 19 2,470 9,491 18 物件費 （△） 1,788 103 1,685 6,968 19 税金 （△） 267 (61) 328 1,250 20 （参考）ＯＨＲ (%) (16÷1) 75.9 2.1 73.8 69.3 [( 9.0%)] 21 実質業務純益 1,442 (144) 1,586 7,831 22 コア業務純益 （ 21-26 ） 1,844 186 1,658 8,903 [11.2%] 23 コア業務純益(除く投資信託解約損益)（ 22-4-11 ） 1,844 186 1,658 8,903 24 一般貸倒引当金繰入額 （△） 18 70 (52) (699) 25 業務純益 1,423 (215) 1,638 8,530 26 うち国債等債券損益(５勘定尻) (402) (330) (72) (1,072) 27 臨時損益 42 151 (109) (993) 28 不良債権処理額 （△） 305 (195) 500 1,844 29 Written-off of loans 貸出金償却 （△） － － － － 30 Provision of allowance for specific loan losses 個別貸倒引当金繰入額 （△） 234 (214) 448 1,450 31 Loss on sales of non-performing loans 延滞債権等売却損 （△） 2 (4) 6 68 32 Reversal of allowance for loan losses 貸倒引当金戻入益 － － － － 33 Recoveries of written-off claims 償却債権取立益 0( 1 )1 3 34 Other その他 （△） 68 21 47 328 35 株式等関係損益 133 (255) 388 878 36 その他の臨時損益 214 212 2 (27) [( 4.0%)] 37 経常利益 1,466 (62) 1,528 7,537 38 特別損益 (18) (6) (12) (130) 39 税引前四半期(当期)純利益 1,448 (67) 1,515 7,407 40 法人税等合計 （△） 345 (64) 409 2,311 [( 0.3%)] 41 四半期(当期)純利益 1,102 (4) 1,106 5,095 42 与信関係費用 (24+28) （△） 323 (124) 447 1,145 Income before income taxes Total income taxes Net income Credit costs （ 24+28 ） <Reference> March 31, 2026 Gross operating income from domestic operations Gross operating income from international operations Expenses Personnel expenses Non-Personnel expenses Taxes (Reference) ＯＨＲ (%) (16 / 1) Core net business profit Gross operating income June 30, 2026(A) June 30, 2025(B) Provision of allowance for general loan losses Net business profit Of which, gains (losses) on bonds Extraordinary income (losses) Non-recurring gains (losses) Disposal of bad debts Gain or loss on stocks and other securities Other non-recurring gains (losses) Ordinary profit Core net business profit excluding gains (losses) on bonds （21-26） Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts （22-4-11） Yokohama Financial Group, Inc. (7186) ー 5 ー
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（５）THE KANAGAWA BANK, LTD. Non-consolidated （５） 神奈川銀行 単体 (Unit: Millions of Yen) For the three months ended For the year ended (A)-(B) [10.7%] 1 業務粗利益 2,340 228 2,112 8,495 2 国内業務粗利益 2,340 227 2,113 8,495 3 Net interest income 資金利益 2,061 232 1,829 7,794 4 (Of which, gains (losses) on bonds and cancellation of investment trusts) （うち投資信託解約損益） － － － － 5 Net fees and commissions 役務取引等利益 279 (4) 283 1,324 6 Net trading income 特定取引利益 － － － － 7 Net other ordinary income その他業務利益 (0) 0 (0) (623) 8 (Of which, gains (losses) on bonds) （う ち国債等債券損益） (0) 0 (0) (623) 9 国際業務粗利益 － 0( 0 ) ( 0 ) 10 Net interest income 資金利益 － (0) 0 0 11 (Of which, gains (losses) on bonds and cancellation of investment trusts ) （うち投資信託解約損益） － － － － 12 Net fees and commissions 役務取引等利益 － 0( 0 ) ( 0 ) 13 Net trading income 特定取引利益 － － － － 14 Net other ordinary income その他業務利益 － (0) 0 0 15 (Of which, gains (losses) on bonds) （う ち国債等債券損益） － － － － [4.7% ] 16 経費（除く臨時処理分） （△） 1,631 74 1,557 6,173 17 人件費 （△） 855 47 808 3,225 18 物件費 （△） 669 26 643 2,498 19 税金 （△） 106 0 106 449 20 （参考）ＯＨＲ (%) (16÷1) 69.6 (4.1) 73.7 72.6 [27.7%] 21 実質業務純益 709 154 555 2,321 22 コア業務純益 （ 21-26 ） 709 154 555 2,945 [27.7%] 23 コア業務純益(除く投資信託解約損益)（ 22-4-11 ） 709 154 555 2,945 24 一般貸倒引当金繰入額 （△） 82 82 － － 25 業務純益 626 71 555 2,321 26 うち国債等債券損益(５勘定尻) (0) 0 (0) (623) 27 臨時損益 (155) (506) 351 56 28 不良債権処理額 （△） 187 151 36 425 29 Written-off of loans 貸出金償却 （△） － － － － 30 Provision of allowance for specific loan losses 個別貸倒引当金繰入額 （△） 87 87 － － 31 Loss on sales of non-performing loans 延滞債権等売却損 （△） － － － 2 32 Reversal of allowance for loan losses 貸倒引当金戻入益 － (469) 469 292 33 Recoveries of written-off claims 償却債権取立益 0 (10) 10 56 34 Other その他 （△） 100 (416) 516 771 35 株式等関係損益 － (374) 374 422 36 その他の臨時損益 32 19 13 59 [( 48.0%)] 37 経常利益 471 (435) 906 2,378 38 特別損益 (18) 24 (42) (190) 39 税引前四半期(当期)純利益 452 (411) 863 2,188 40 法人税等合計 （△） 152 (139) 291 622 [( 47.4%)] 41 四半期(当期)純利益 300 (271) 571 1,565 42 与信関係費用 (24+28) （△） 270 234 36 425 Income before income taxes Total income taxes Net income Credit costs （ 24+28 ） Extraordinary income (losses) (Reference) ＯＨＲ (%) (16/ 1) Core net business profit Provision of allowance for general loan losses Net business profit Of which, gains (losses) on bonds Non-recurring gains (losses) Disposal of bad debts Gain or loss on stocks and other securities Other non-recurring gains (losses) Ordinary profit Taxes June 30, 2026(A) June 30, 2025(B) <Reference> March 31, 2026 Gross operating income Gross operating income from domestic operations Gross operating income from international operations Expenses Personnel expenses Non-Personnel expenses Core net business profit excluding gains (losses) on bonds （21-26） Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts （22-4-11） Yokohama Financial Group, Inc. (7186) ー 6 ー
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２．Average Balance of Use and Source of Funds (Domestics) ２．資金平残 （国内業務部門） (Unit: Billions of Yen) For the three months ended For the year ended (A)-(B) 1 Interest-earning assets 資金運用勘定 25,217.5 423.0 24,794.5 24,809.3 2 Of which, Loans and bills discounted うち貸出金 16,706.8 531.3 16,175.5 16,466.7 3 Of which, Securities うち有価証券 2,614.6 (28.1) 2,642.8 2,703.4 4 Interest-bearing liabilities 資金調達勘定 24,505.9 196.3 24,309.5 24,243.8 5 Of which, Deposits, etc. うち預金等 20,504.5 185.3 20,319.1 20,269.2 6 Interest-earning assets 資金運用勘定 22,655.5 438.4 22,217.0 22,235.6 7 Of which, Loans and bills discounted うち貸出金 14,658.0 498.5 14,159.5 14,438.9 8 Of which, Securities うち有価証券 2,232.6 (31.1) 2,263.7 2,325.2 9 Interest-bearing liabilities 資金調達勘定 22,068.5 228.4 21,840.0 21,784.0 10 Of which, Deposits, etc. うち預金等 18,443.8 286.8 18,157.0 18,149.9 11 Interest-earning assets 資金運用勘定 2,031.2 (21.2) 2,052.5 2,043.1 12 Of which, Loans and bills discounted うち貸出金 1,608.6 1.9 1,606.6 1,607.0 13 Of which, Securities うち有価証券 323.7 12.0 311.7 313.5 14 Interest-bearing liabilities 資金調達勘定 1,933.8 (33.1) 1,966.9 1,956.6 15 Of which, Deposits, etc. うち預金等 1,583.5 (102.6) 1,686.2 1,642.7 16 Interest-earning assets 資金運用勘定 530.7 5.7 524.9 530.5 17 Of which, Loans and bills discounted うち貸出金 440.1 30.8 409.3 420.7 18 Of which, Securities うち有価証券 58.2 (9.0) 67.3 64.6 19 Interest-bearing liabilities 資金調達勘定 503.6 1.0 502.5 503.1 20 Of which, Deposits, etc. うち預金等 477.1 1.1 475.9 476.4 （注）預金等には、譲渡性預金を含めております。本説明資料において、以下も同様です。 Note: Deposits, etc. include negotiable certificates of deposit. The same applies to the following sections of this financial information report. ３． Interest Margins (Domestics) ３．利回・利鞘 （国内業務部門） (Unit: %) For the three months ended For the year ended (A)-(B) 21 Yield on interest-earning assets 資金運用利回 1.42 0.31 1.11 1.19 22 Loans and bills discounted 貸出金利回 1.53 0.28 1.25 1.35 23 Securities 有価証券利回 2.10 0.64 1.46 1.43 24 Yield on interest-bearing liabilities 資金調達利回 0.32 0.12 0.20 0.23 25 Deposits, etc. 預金等利回 0.309 0.116 0.193 0.221 26 Yield spread （ 22-25 ）（ 22-25 ） 1.22 0.16 1.06 1.13 27 Yield on interest-earning assets 資金運用利回 1.40 0.33 1.07 1.16 28 Loans and bills discounted 貸出金利回 1.50 0.29 1.21 1.31 29 Securities 有価証券利回 2.25 0.70 1.55 1.46 30 Yield on interest-bearing liabilities 資金調達利回 0.32 0.13 0.19 0.22 31 Deposits, etc. 預金等利回 0.303 0.115 0.188 0.215 32 Yield spread （ 28-31 ）（ 28-31 ） 1.19 0.17 1.02 1.10 33 Yield on interest-earning assets 資金運用利回 1.57 0.23 1.34 1.42 34 Loans and bills discounted 貸出金利回 1.68 0.21 1.47 1.51 35 Securities 有価証券利回 1.28 0.26 1.02 1.30 36 Yield on interest-bearing liabilities 資金調達利回 0.44 0.17 0.27 0.31 37 Deposits, etc. 預金等利回 0.388 0.136 0.252 0.286 38 Yield spread （ 34-37 ）（ 34-37 ） 1.29 0.08 1.21 1.23 39 Yield on interest-earning assets 資金運用利回 1.84 0.28 1.56 1.67 40 Loans and bills discounted 貸出金利回 2.05 0.22 1.83 1.90 41 Securities 有価証券利回 0.82 0.16 0.66 0.94 42 Yield on interest-bearing liabilities 資金調達利回 0.30 0.13 0.17 0.21 43 Deposits, etc. 預金等利回 0.297 0.121 0.176 0.212 44 Yield spread （ 40-43 ）（ 40-43 ） 1.75 0.10 1.65 1.69 ３行合算 ３行合算 横浜銀行 単体 東日本銀行 単体 June 30, 2026(A) June 30, 2025(B) June 30, 2026(A) June 30, 2025(B) <Reference> March 31, 2026 <Reference> March 31, 2026 THE KANAGAWA BANK, LTD. Non-consolidated 神奈川銀行 単体 預貸金利回差 The Bank of Yokohama, Ltd. , The Higashi- Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined The Bank of Yokohama, Ltd. Non-consolidated The Higashi- Nippon Bank, Limited Non-consolidated The Bank of Yokohama, Ltd. , The Higashi- Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined The Bank of Yokohama, Ltd. Non-consolidated 横浜銀行 単体 預貸金利回差 預貸金利回差 預貸金利回差 The Higashi- Nippon Bank, Limited Non-consolidated 東日本銀行 単体 THE KANAGAWA BANK, LTD. Non-consolidated 神奈川銀行 単体 Yokohama Financial Group, Inc. (7186) ー 7 ー
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４． Gains or Losses on Investment Securities ４．有価証券関係損益 （１） Gains or Losses on Bonds （１） 国債等債券損益 (Unit: Millions of Yen) For the three months ended For the year ended (A)-(B) 1 Gains (losses) on bonds 国債等債券損益 （５勘定尻） (6,382) (2,929) (3,453) (30,448) 2 Gain on sales 売 却 益 616 487 129 703 3 Gain on redemption 償 還 益 0 0 － 0 4 Loss on sales 売 却 損 (△） 5,917 5,456 461 23,639 5 Loss on redemption 償 還 損 (△） 958 (2,010) 2,968 6,275 6 Loss on devaluation 償 却 (△） 123 (30) 153 1,236 (Unit: Millions of Yen) For the three months ended For the year ended (A)-(B) 7 Gains (losses) on bonds 国債等債券損益 （５勘定尻） (6,787) (3,334) (3,453) (30,451) 8 Gain on sales 売 却 益 210 81 129 720 9 Gain on redemption 償 還 益 0 0 － 0 10 Loss on sales 売 却 損 (△） 5,917 5,456 461 23,681 11 Loss on redemption 償 還 損 (△） 958 (2,010) 2,968 6,257 12 Loss on devaluation 償 却 (△） 123 (29) 152 1,233 13 Gains (losses) on bonds 国債等債券損益 （５勘定尻） (6,384) (3,003) (3,381) (28,755) 14 Gain on sales 売 却 益 145 61 84 473 15 Gain on redemption 償 還 益 0 0 － 0 16 Loss on sales 売 却 損 (△） 5,448 5,072 376 22,018 17 Loss on redemption 償 還 損 (△） 958 (1,980) 2,938 5,984 18 Loss on devaluation 償 却 (△） 123 (27) 150 1,225 19 Gains (losses) on bonds 国債等債券損益 （５勘定尻） (402) (330) (72) (1,072) 20 Gain on sales 売 却 益 65 21 44 235 21 Gain on redemption 償 還 益 － － － － 22 Loss on sales 売 却 損 (△） 467 383 84 1,044 23 Loss on redemption 償 還 損 (△） － (30) 30 254 24 Loss on devaluation 償 却 (△） － (1) 1 8 25 Gains (losses) on bonds 国債等債券損益 （５勘定尻） (0) 0 (0) (623) 26 Gain on sales 売 却 益 － (0) 0 12 27 Gain on redemption 償 還 益 － － － － 28 Loss on sales 売 却 損 (△） 0 0 0 617 29 Loss on redemption 償 還 損 (△） － － － 18 30 Loss on devaluation 償 却 (△） － － － － （２） Gains or Losses on stocks and other securities （２） 株式等関係損益 (Unit: Millions of Yen) For the three months ended For the year ended (A)-(B) 31 Gains (losses) on stocks and other securities 株式等関係損益 （３勘定尻） 4,043 3,139 904 5,983 32 Gain on sales 売 却 益 4,063 1,925 2,138 7,601 33 Loss on sales 売 却 損 (△） 17 (1,208) 1,225 1,617 34 Loss on devaluation 償 却 (△） 1 (7) 8 0 (Unit: Millions of Yen) For the three months ended For the year ended (A)-(B) 35 Gains (losses) on stocks and other securities 株式等関係損益 （３勘定尻） 4,023 3,068 955 5,764 36 Gain on sales 売 却 益 4,041 1,852 2,189 7,382 37 Loss on sales 売 却 損 (△） 17 (1,208) 1,225 1,617 38 Loss on devaluation 償 却 (△） － (8) 8 0 39 Gains (losses) on stocks and other securities 株式等関係損益 （３勘定尻） 3,890 3,698 192 4,463 40 Gain on sales 売 却 益 3,902 3,701 201 4,465 41 Loss on sales 売 却 損 (△） 12 12 － 0 42 Loss on devaluation 償 却 (△） － (8) 8 0 43 Gains (losses) on stocks and other securities 株式等関係損益 （３勘定尻） 133 (255) 388 878 44 Gain on sales 売 却 益 138 (1,475) 1,613 2,495 45 Loss on sales 売 却 損 (△） 5 (1,220) 1,225 1,616 46 Loss on devaluation 償 却 (△） － － － － 47 Gains (losses) on stocks and other securities 株式等関係損益 （３勘定尻） － (374) 374 422 48 Gain on sales 売 却 益 － (374) 374 422 49 Loss on sales 売 却 損 (△） － － － － 50 Loss on devaluation 償 却 (△） － － － 0 June 30, 2026(A) June 30, 2025(B) <Reference> March 31, 2026 Yokohama Financial Group, Inc. Consolidated 横浜 フィナンシャル グループ連結 June 30, 2026(A) June 30, 2025(B) <Reference> March 31, 2026 The Bank of Yokohama, Ltd. , The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined ３行合算 The Bank of Yokohama, Ltd. Non-consolidated 横浜銀行 単体 The Higashi- Nippon Bank, Limited Non-consolidated 東日本銀行 単体 THE KANAGAWA BANK, LTD. Non-consolidated 神奈川銀行 単体 June 30, 2026(A) June 30, 2025(B) <Reference> March 31, 2026 Yokohama Financial Group, Inc. Consolidated 横浜 フィナンシャル グループ連結 THE KANAGAWA BANK, LTD. Non-consolidated 神奈川銀行 単体 June 30, 2026(A) June 30, 2025(B) <Reference> March 31, 2026 The Higashi- Nippon Bank, Limited Non-consolidated 東日本銀行 単体 The Bank of Yokohama, Ltd. , The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined ３行合算 The Bank of Yokohama, Ltd. Non-consolidated 横浜銀行 単体 Yokohama Financial Group, Inc. (7186) ー 8 ー
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５． Net Unrealized Gains (Losses) on Securities ５．有価証券の評価損益 （１） Yokohama Financial Group, Inc. Consolidated （１） 横浜フィナンシャルグループ 連結 (Unit: Millions of Yen) (A)-(B) 1 847,120 (58,645) (1,092) － 58,645 856,134 (57,553) 0 57,553 2 2,095,241 240,113 64,606 297,300 57,187 2,132,371 175,507 243,232 67,724 3 302,961 213,172 33,454 214,311 1,139 272,665 179,718 180,409 690 4 1,120,422 (41,193) 3,656 157 41,351 1,102,566 (44,849) 101 44,950 5 671,856 68,134 27,496 82,831 14,696 757,140 40,638 62,721 22,083 6 2,942,361 181,467 63,513 297,300 115,832 2,988,506 117,954 243,232 125,278 7 302,961 213,172 33,454 214,311 1,139 272,665 179,718 180,409 690 8 1,959,389 (99,839) 2,563 157 99,996 1,951,895 (102,402) 101 102,503 9 680,010 68,134 27,496 82,831 14,696 763,945 40,638 62,722 22,083 （２） ３行合算 (Unit: Millions of Yen) (A)-(B) 10 846,810 (58,640) (1,093) － 58,640 855,824 (57,547) 0 57,547 11 2,082,705 235,147 63,944 292,306 57,159 2,120,860 171,203 238,888 67,685 12 290,425 207,997 32,386 209,009 1,011 261,154 175,611 176,200 589 13 1,120,422 (41,193) 3,656 157 41,351 1,102,566 (44,849) 101 44,950 14 671,856 68,343 27,902 83,139 14,796 757,140 40,441 62,587 22,145 15 2,929,515 176,506 62,851 292,306 115,800 2,976,685 113,655 238,888 125,232 16 290,425 207,997 32,386 209,009 1,011 261,154 175,611 176,200 589 17 1,959,079 (99,833) 2,563 157 99,991 1,951,585 (102,396) 101 102,497 18 680,010 68,343 27,902 83,139 14,796 763,945 40,441 62,587 22,145 （３）The Bank of Yokohama, Ltd. Non-consolidated （３） 横浜銀行 単体 (Unit: Millions of Yen) (A)-(B) 19 846,810 (58,640) (1,093) － 58,640 855,824 (57,547) 0 57,547 20 1,673,668 203,057 55,871 245,891 42,833 1,714,724 147,186 200,452 53,266 21 272,124 194,509 29,897 195,496 986 245,341 164,612 165,174 562 22 814,873 (30,119) 3,836 153 30,272 793,733 (33,955) 101 34,056 23 586,670 38,668 22,140 50,242 11,574 675,649 16,528 35,176 18,648 24 2,520,478 144,417 54,779 245,891 101,474 2,570,549 89,638 200,452 110,814 25 272,124 194,509 29,897 195,496 986 245,341 164,612 165,174 562 26 1,653,530 (88,759) 2,743 153 88,912 1,642,753 (91,502) 101 91,603 27 594,823 38,667 22,139 50,242 11,574 682,454 16,528 35,176 18,648 （４） The Higashi-Nippon Bank, Limited Non-consolidated （４） 東日本銀行 単体 (Unit: Millions of Yen) (A)-(B) 28 － － － － － － － － － 29 347,396 28,149 7,660 40,853 12,703 344,603 20,489 33,291 12,802 30 10,375 7,987 2,059 7,987 － 8,316 5,928 5,928 － 31 253,725 (9,650) (216) 4 9,655 256,745 (9,434) 0 9,434 32 83,295 29,813 5,818 32,862 3,048 79,542 23,995 27,363 3,367 33 347,396 28,149 7,660 40,853 12,703 344,603 20,489 33,291 12,802 34 10,375 7,987 2,059 7,987 － 8,316 5,928 5,928 － 35 253,725 (9,650) (216) 4 9,655 256,745 (9,434) 0 9,434 36 83,295 29,813 5,818 32,862 3,048 79,542 23,995 27,363 3,367 （５） THE KANAGAWA BANK, LTD. Non-consolidated （５） 神奈川銀行 単体 (Unit: Millions of Yen) (A)-(B) 37 － － － － － － － － － 38 61,640 3,939 412 5,561 1,622 61,532 3,527 5,143 1,616 39 7,926 5,500 430 5,526 25 7,495 5,070 5,097 26 40 51,822 (1,423) 37 0 1,423 52,087 (1,460) － 1,460 41 1,891 (138) (56) 35 173 1,948 (82) 46 129 42 61,640 3,939 412 5,561 1,622 61,532 3,527 5,143 1,616 43 7,926 5,500 430 5,526 25 7,495 5,070 5,097 26 44 51,822 (1,423) 37 0 1,423 52,087 (1,460) － 1,460 45 1,891 (138) (56) 35 173 1,948 (82) 46 129 Note: “Available-for-sale securities” are marked to market; the difference between book values on the non-consolidated balance sheets and the acquisition cost is posted as "Net". その他 （注） 「その他有価証券」については時価評価しておりますので、評価損益は(四半期)貸借対照表計上額と取得原価との差額を計上しております。 株式 債券 Equity securities Debt securities Other securities Total Equity securities Debt securities Other securities その他 合計 債券 満期保有目的 その他有価証券 株式 Held-to-maturity Available-for-sale 満期保有目的 その他有価証券 Equity securities Debt securities Other securities Total Equity securities Debt securities Other securities 株式 債券 Notes: 1. “Available-for-sale securities” are marked to market; the difference between book values on the non-consolidated balance sheets and the acquisition cost is posted as "Net". 2. In addition to "Securities" on the non-consolidated balance sheets, the tables include beneficiary rights to the trust in "Monetary claims bought". Unrealized gains （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、評価損益は(四半期)貸借対照表計上額と取得原価との差額を計上しております。 ２．（四半期）貸借対照表の「有価証券」のほか、「買入金銭債権」中の信託受益権を含めて記載しております。 Unrealized gains Unrealized losses Unrealized losses Net(A) Book Value Net(B) As of June 30, 2026 As of March 31, 2026 As of June 30, 2026 As of March 31, 2026 Book Value Net(A) Book Value Net(B) その他 株式 債券 その他 合計 Unrealized gains Unrealized losses Unrealized losses As of June 30, 2026 As of March 31, 2026 Book Value Net(A) Book Value Net(B) 満期保有目的 その他有価証券 Unrealized gains Unrealized losses Unrealized gains （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、評価損益は（四半期)連結貸借対照表計上額と取得原価との差額を計上しております。 ２．（四半期）連結貸借対照表の「有価証券」のほか、「買入金銭債権」中の信託受益権を含めて記載しております。 Notes: 1. “Available-for-sale securities” are marked to market; the difference between book values on the consolidated balance sheets and the acquisition cost is posted as "Net". 2. In addition to "Securities" on the consolidated balance sheets, the tables include beneficiary rights to the trust in "Monetary claims bought". As of June 30, 2026 As of March 31, 2026 Book Value Net(A) Book Value Net(B)Unrealized gains Unrealized losses Held-to-maturity Available-for-sale 満期保有目的 その他有価証券 Other securities Total Equity securities Held-to-maturity Available-for-sale Held-to-maturity Available-for-sale Total Equity securities Debt securities 株式 債券 株式 債券 その他 合計 その他 Notes: 1. “Available-for-sale securities” are marked to market; the difference between book values on the non-consolidated balance sheets and the acquisition cost is posted as "Net". Unrealized losses Unrealized gains Debt securities Other securities 2. In addition to "Securities" on the non-consolidated balance sheets, the tables include beneficiary rights to the trust in "Monetary claims bought". 合計 Equity securities 株式 Debt securities 債券 Other securities その他 （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、評価損益は(四半期)貸借対照表計上額と取得原価との差額を計上しております。 ２．（四半期）貸借対照表の「有価証券」のほか、「買入金銭債権」中の信託受益権を含めて記載しております。 Unrealized gains （２）The Bank of Yokohama, Ltd. , The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined Unrealized losses Equity securities 株式 Debt securities 債券 Other securities その他 Book Value As of June 30, 2026 As of March 31, 2026 Book Value Net(A) Book Value Net(B) Unrealized gains Unrealized losses Unrealized gains Unrealized losses Held-to-maturity 満期保有目的 Available-for-sale その他有価証券 Equity securities 株式 Debt securities 債券 Other securities その他 Note: “Available-for-sale securities” are marked to market; the difference between book values on the non-consolidated balance sheets and the acquisition cost is posted as "Net". Total 合計 Equity securities 株式 Debt securities 債券 Other securities その他 （注） 「その他有価証券」については時価評価しておりますので、評価損益は(四半期)貸借対照表計上額と取得原価との差額を計上しております。 Yokohama Financial Group, Inc. (7186) ー 9 ー
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６．リスク管理債権および金融再生法開示債権 （１）Yokohama Financial Group, Inc. Consolidated （１） 横浜フィナンシャルグループ 連結 (Unit: Millions of Yen） (A)-(B) 1 Unrecoverable or valueless claims 61,978 (1,329) 63,307 2 Doubtful claims 161,652 1,589 160,063 3 Claims in need of special caution 16,892 1,535 15,357 4 Accruing loans contractually past due for 3 months or more 5,719 1,076 4,643 5 Restructured loans 11,173 460 10,713 6 A 要管理債権以下 計 Ａ 240,524 1,795 238,729 7 1,396,805 (14,639) 1,411,444 8 16,247,282 67,227 16,180,055 9 正常債権 計 17,644,088 52,589 17,591,499 10 B 合 計 Ｂ 17,884,612 54,384 17,830,228 11 要管理先債権 24,169 2,085 22,084 12 A／B 不良債権⽐率 （％） Ａ÷Ｂ 1.3 0.0 1.3 (Unit: Millions of Yen） (A)-(B) 13 Unrecoverable or valueless claims 50,079 (205) 50,284 14 Doubtful claims 110,910 1,807 109,103 15 Claims in need of special caution 9,703 1,088 8,615 16 Accruing loans contractually past due for 3 months or more 5,619 1,355 4,264 17 Restructured loans 4,084 (267) 4,351 18 A 170,693 2,691 168,002 19 1,027,280 (7,548) 1,034,828 20 14,480,289 59,144 14,421,145 21 15,507,569 51,596 15,455,973 22 B 15,678,262 54,286 15,623,976 23 14,229 1,285 12,944 24 A／B 1.0 0.0 1.0 (Unit: Millions of Yen） (A)-(B) 25 Unrecoverable or valueless claims 3,274 (376) 3,650 26 Doubtful claims 9,228 558 8,670 27 Claims in need of special caution 1,013 16 997 28 Accruing loans contractually past due for 3 months or more 23 23 － 29 Restructured loans 989 (8) 997 30 A 13,517 199 13,318 31 75,544 (1,872) 77,416 32 354,974 6,886 348,088 33 430,519 5,014 425,505 34 B 444,036 5,213 438,823 35 1,151 12 1,139 36 A／B 3.0 0.0 3.0 （注）東日本銀行は、部分直接償却を実施しておりませんが、上記は、実施した場合の金額で表示しております。 Note: The Higashi-Nippon Bank, Limited does not apply partial direct written-off. The above figures are presented if The Higashi-Nippon Bank, Limited had applied the partial direct written-off. 神奈川【単体】 As of June 30, 2026 (A) As of March 31, 2026 (B) 正常先債権 要管理債権 危険債権 The Bank of Yokohama, Ltd. Non-Consolidated The Bank of Yokohama, Ltd. , The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined THE KANAGAWA BANK, LTD. Non-Consolidated The Higashi-Nippon Bank, Limited Non-Consolidated ３行合算【単体】 (16,810) 2,079 326 1,077 1,402 (1,492) 2,169 22,690 0.0 2,009 51,692 49,613 66,424 2.6 0.0 2.6 (6,996) 1,586,014 1,621,408 (7,807) 1,629,215 (7,390) 268,389 77 (302) 379 4,819 600 4,219 7,309 711 6,598 20,681 1.2 As of March 31, 2026 (B) 東日本【単体】 As of June 30, 2026 (A) As of March 31, 2026 (B) (A)-(B) 224,522 1,380,634 16,086,858 17,467,493 17,692,015 61,966 148,344 14,211 4,643 9,567 貸出条件緩和債権 三⽉以上延滞債権 As of June 30, 2026 (A) As of March 31, 2026 (B) 横浜【単体】 226,601 9,893 5,720 15,613 Non-performing loans ratio (Percentage of claims in need of special caution or below) (%) Claims in need of caution (excluding claims in need of special caution) Claims to normal borrowers (excluding claims in need of caution) Sub-total (Normal claims) Total (Credit exposures) Claims in need of special caution based on borrowers classification under the self-assessment guideline 1,318,018 393 1,317,625 1,579,018 Non-performing loans ratio (Percentage of claims in need of special caution or below) (%) Sub-total (Claims in need of special caution or below) 1.2 7,119 (912) 8,031 30,374 (196) 30,570 4,896 297 4,599 42,390 (811) 43,201 260,999 Claims in need of caution (excluding claims in need of special caution) Claims to normal borrowers (excluding claims in need of caution) Sub-total (Normal claims) Total (Credit exposures) Claims in need of special caution based on borrowers classification under the self-assessment guideline 17,743,707 17,517,106 16,153,282 1,363,824 Sub-total (Claims in need of special caution or below) 150,513 60,474 As of June 30, 2026 (A) (A)-(B) Claims to normal borrowers (excluding claims in need of caution) Sub-total (Normal claims) Total (Credit exposures) Claims in need of special caution based on borrowers classification under the self-assessment guideline Non-performing loans ratio (Percentage of claims in need of special caution or below) (%) （注）「三⽉以上延滞債権」および「貸出条件緩和債権」はリスク管理債権における分類であり、「要管理債権」は⾦融再⽣法開⽰債権における分類です。本説明資料において、以下も同様です。 ６．Risk Managed Loans and Claims Disclosed under the Financial Revitalization Law As of June 30, 2026 (A) As of March 31, 2026 (B) 破産更⽣債権及びこれらに準ずる債権 Sub-total (Claims in need of special caution or below) Claims in need of caution (excluding claims in need of special caution) 要管理債権以外の要注意先債権 Note: “Accruing loans contractually past due for 3 months or more” and “Restructured loans” are categories of Risk Managed Loan. “Claims in need of special caution” is a category of claims disclosed under the Financial Revitalization Law. The same applies to the following sections of this financial information report. （２） The Bank of Yokohama, Ltd. , The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined Yokohama Financial Group, Inc. (7186) ー 10 ー
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７．Loans Information ７．貸出金の残高 （１） 貸出金の末残・平残（全店） (Unit: Billions of Yen) For the three months ended For the year ended (A)-(B) 1 （末残）３行合算 17,564.5 565.6 16,998.9 17,547.3 2 横浜銀行 単体 15,498.0 525.0 14,973.0 15,478.2 3 東日本銀行 単体 1,622.8 8.5 1,614.2 1,630.7 4 神奈川銀行 単体 443.6 32.0 411.6 438.4 5 （平残）３行合算 17,530.0 611.5 16,918.4 17,237.8 6 横浜銀行 単体 15,481.2 578.7 14,902.4 15,209.9 7 東日本銀行 単体 1,608.6 1.9 1,606.7 1,607.1 8 神奈川銀行 単体 440.1 30.8 409.3 420.7 （２） 貸出金内訳（末残）（特別国際金融取引勘定を除く国内店分）及び中小企業等貸出比率 ① ３行合算 (Unit: Billions of Yen) (A)-(B) (A)-(C) 9 Total 合計 17,384.1 536.0 7.7 16,848.0 17,376.3 10 Loans to large and medium-sized businesses 大中堅企業向け貸出 2,402.4 56.2 (54.7) 2,346.1 2,457.1 11 Loans to small and medium-sized businesses, etc. 中小企業等貸出 14,298.6 555.3 98.4 13,743.3 14,200.2 12 Loans to small and medium-sized businesses 中小企業向け貸出 7,130.5 437.8 81.6 6,692.7 7,048.9 13 Loans to individuals 個人向け貸出 7,168.0 117.4 16.7 7,050.6 7,151.3 14 Residential loans 住宅系ローン 6,611.0 102.7 14.0 6,508.3 6,597.0 15 Housing loans 住宅ローン 4,345.3 27.8 3.3 4,317.5 4,341.9 16 Apartment loans アパートロ ーン 2,265.7 74.9 10.6 2,190.8 2,255.0 17 Other individual loans その他のローン 556.9 14.7 2.7 542.2 554.2 18 Public sectors 公共向け貸出 682.9 (75.5) (35.9) 758.5 718.9 19 中小企業等貸出比率(%) （11 ÷9 ） 82.2 0.7 0.5 81.5 81.7 ② 横浜銀行 単体 (Unit: Billions of Yen) (A)-(B) (A)-(C) 20 Total 合計 15,317.6 495.4 10.4 14,822.1 15,307.1 21 Loans to large and medium-sized businesses 大中堅企業向け貸出 2,243.0 63.3 (56.7) 2,179.6 2,299.7 22 Loans to small and medium-sized businesses, etc. 中小企業等貸出 12,408.2 505.6 102.7 11,902.5 12,305.4 23 Loans to small and medium-sized businesses 中小企業向け貸出 5,651.2 402.8 87.9 5,248.4 5,563.3 24 Loans to individuals 個人向け貸出 6,756.9 102.8 14.8 6,654.1 6,742.1 25 Residential loans 住宅系ローン 6,216.7 86.6 11.4 6,130.0 6,205.2 26 Housing loans 住宅ローン 4,202.5 30.6 4.2 4,171.9 4,198.3 27 Apartment loans アパートロ ーン 2,014.1 56.0 7.2 1,958.1 2,006.9 28 Other individual loans その他のローン 540.1 16.1 3.3 524.0 536.8 29 Public sectors 公共向け貸出 666.3 (73.5) (35.6) 739.8 701.9 30 中小企業等貸出比率(%) （ 22÷20 ） 81.0 0.7 0.7 80.3 80.3 ③ 東日本銀行 単体 (Unit: Billions of Yen) (A)-(B) (A)-(C) 31 Total 合計 1,622.8 8.5 (7.8) 1,614.2 1,630.7 32 Loans to large and medium-sized businesses 大中堅企業向け貸出 142.7 (4.2) 0.3 146.9 142.4 33 Loans to small and medium-sized businesses, etc. 中小企業等貸出 1,465.2 14.2 (7.8) 1,450.9 1,473.0 34 Loans to small and medium-sized businesses 中小企業向け貸出 1,154.1 8.4 (8.1) 1,145.7 1,162.3 35 Loans to individuals 個人向け貸出 311.0 5.8 0.3 305.2 310.7 36 Residential loans 住宅系ローン 304.8 6.5 0.6 298.2 304.1 37 Housing loans 住宅ローン 63.7 (8.6) (2.1) 72.4 65.9 38 Apartment loans アパートロ ーン 241.0 15.2 2.8 225.8 238.2 39 Other individual loans その他のローン 6.2 (0.7) (0.3) 6.9 6.5 40 Public sectors 公共向け貸出 14.8 (1.4) (0.3) 16.2 15.1 41 中小企業等貸出比率(%) （ 33÷31 ） 90.2 0.4 (0.1) 89.8 90.3 ④ 神奈川銀行 単体 (Unit: Billions of Yen) (A)-(B) (A)-(C) 42 Total 合計 443.6 32.0 5.2 411.6 438.4 43 Loans to large and medium-sized businesses 大中堅企業向け貸出 16.6 (2.8) 1.6 19.5 14.9 44 Loans to small and medium-sized businesses, etc. 中小企業等貸出 425.2 35.4 3.5 389.7 421.6 45 Loans to small and medium-sized businesses 中小企業向け貸出 325.1 26.6 1.9 298.5 323.2 46 Loans to individuals 個人向け貸出 100.0 8.8 1.6 91.2 98.4 47 Residential loans 住宅系ローン 89.5 9.4 1.9 80.0 87.6 48 Housing loans 住宅ローン 79.0 5.8 1.2 73.1 77.7 49 Apartment loans アパートロ ーン 10.4 3.6 0.6 6.8 9.8 50 Other individual loans その他のローン 10.5 (0.6) (0.3) 11.2 10.8 51 Public sectors 公共向け貸出 1.7 (0.5) 0.0 2.3 1.7 52 中小企業等貸出比率(%) （44 ÷42 ） 95.8 1.2 (0.3) 94.6 96.1 Ratio of loans to small and medium-sized businesses, etc. (%) （ 44 ／ 42 ） Domestic branches (excluding loans in offshore market account) Ratio of loans to small and medium-sized businesses, etc. (%) （ 11 ／ 9 ） ③ The Higashi-Nippon Bank, Limited Non-Consolidated Ratio of loans to small and medium-sized businesses, etc. (%) （ 33 ／ 31 ） ① The Bank of Yokohama, Ltd. , The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined ② The Bank of Yokohama, Ltd. Non-Consolidated ④ THE KANAGAWA BANK, LTD. Non-Consolidated Ratio of loans to small and medium-sized businesses, etc. (%) （ 22 ／ 20 ） As of June 30, 2026 (A) As of June 30, 2025 (B) As of March 31, 2026(C) June 30, 2025(B) <Reference> March 31, 2026 （２） Breakdown of Loans (outstanding balance) and Ratio of loans to small and medium-sized businesses, etc. （１） Balances of Loans (All branches) THE KANAGAWA BANK, LTD. Non-Consolidated The Higashi-Nippon Bank, Limited Non-Consolidated The Bank of Yokohama, Ltd. Non-Consolidated （Average balance）The Bank of Yokohama, Ltd. , The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined THE KANAGAWA BANK, LTD. Ｎon-Consolidated The Higashi-Nippon Bank, Limited Ｎon-Consolidated The Bank of Yokohama, Ltd. Non-Consolidated （Outstanding balance） The Bank of Yokohama, Ltd. , The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined June 30, 2026(A) As of June 30, 2026 (A) As of June 30, 2025 (B) As of March 31, 2026(C) As of June 30, 2026 (A) As of June 30, 2025 (B) As of March 31, 2026(C) As of June 30, 2026 (A) As of March 31, 2026(C) As of June 30, 2025 (B) Yokohama Financial Group, Inc. (7186) ー 11 ー
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８．Deposits Information ８．預金の残高 （１） Balances of Deposits (All branches) （１） 預金の末残・平残（全店） (Unit: Billions of Yen) For the three months ended For the year ended (A)-(B) 1 20,300.5 (117.0) 20,417.6 20,937.3 2 18,304.5 (48.9) 18,353.4 18,852.2 3 1,513.0 (73.6) 1,586.6 1,616.5 4 483.0 5.5 477.5 468.5 5 20,661.9 254.5 20,407.3 20,322.6 6 18,646.7 281.2 18,365.4 18,287.7 7 1,538.0 (27.8) 1,565.9 1,558.3 8 477.1 1.1 475.9 476.4 （２） 預金者別預金残高（末残）（特別国際金融取引勘定を除く国内店分） (Unit: Billions of Yen) (A)-(B) (A)-(C) 9 Individual 個人 13,993.8 18.7 66.1 13,975.0 13,927.6 10 Of which, liquid deposits うち流動性 11,048.6 64.8 49.9 10,983.7 10,998.7 11 Of which, fixed deposits うち定期性 2,927.5 (46.7) 16.4 2,974.2 2,911.0 12 Corporate 法人 5,115.8 196.6 48.2 4,919.2 5,067.5 13 Local Public 公金 782.8 (372.3) (718.2) 1,155.2 1,501.1 14 Financial institutions 金融 232.6 (26.7) (42.2) 259.4 274.9 15 合計 20,125.2 (183.8) (646.1) 20,309.0 20,771.3 (Unit: Billions of Yen) (A)-(B) (A)-(C) 16 Individual 個人 12,918.7 40.6 72.5 12,878.1 12,846.2 17 Of which, liquid deposits うち流動性 10,391.8 81.9 55.6 10,309.9 10,336.2 18 Of which, fixed deposits うち定期性 2,509.4 (42.0) 17.0 2,551.4 2,492.3 19 Corporate 法人 4,277.4 212.9 127.1 4,064.4 4,150.2 20 Local Public 公金 717.5 (362.8) (720.4) 1,080.3 1,437.9 21 Financial institutions 金融 215.3 (6.4) (36.3) 221.8 251.7 22 合計 18,129.1 (115.7) (557.0) 18,244.8 18,686.2 (Unit: Billions of Yen) (A)-(B) (A)-(C) 23 Individual 個人 746.5 (19.9) (8.2) 766.5 754.8 24 Of which, liquid deposits うち流動性 452.6 (13.9) (6.4) 466.5 459.1 25 Of which, fixed deposits うち定期性 293.7 (5.9) (1.7) 299.6 295.5 26 Corporate 法人 685.5 (24.0) (90.4) 709.6 776.0 27 Local Public 公金 64.0 (9.3) 1.1 73.4 62.9 28 Financial institutions 金融 16.7 (20.2) (5.9) 37.0 22.6 29 合計 1,513.0 (73.6) (103.5) 1,586.6 1,616.5 (Unit: Billions of Yen) (A)-(B) (A)-(C) 30 Individual 個人 328.4 (1.9) 1.9 330.4 326.5 31 Of which, liquid deposits うち流動性 204.1 (3.1) 0.7 207.3 203.3 32 Of which, fixed deposits うち定期性 124.3 1.2 1.1 123.1 123.1 33 Corporate 法人 152.7 7.6 11.5 145.0 141.2 34 Local Public 公金 1.2 (0.1) 1.0 1.4 0.2 35 Financial institutions 金融 0.5 0.0 0.0 0.5 0.5 36 合計 483.0 5.5 14.5 477.5 468.5 <Reference> March 31, 2026 Total June 30, 2025 (B) Domestic branches (excluding deposits in offshore market account) （２） Breakdown of depositors' categories （outstanding balance） （Outstanding balance） The Bank of Yokohama, Ltd. and The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined The Bank of Yokohama, Ltd. Non-Consolidated June 30, 2026 (A) As of June 30, 2025 (B) The Bank of Yokohama, Ltd. Non-Consolidated The Higashi-Nippon Bank, Limited Non-Consolidated THE KANAGAWA BANK, LTD. Non-Consolidated The Higashi-Nippon Bank, Limited Non-Consolidated THE KANAGAWA BANK, LTD. Non-Consolidated （Average balance）The Bank of Yokohama, Ltd. and The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined As of June 30, 2026 (A) （末残）３行合算 横浜銀行 単体 横浜銀行 単体 （平残）３行合算 神奈川銀行 単体 Total As of June 30, 2026 (A) As of June 30, 2025 (B) As of June 30, 2026 (A) As of June 30, 2025 (B) 神奈川銀行 単体 東日本銀行 単体 Total ① The Bank of Yokohama, Ltd. and The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined ② The Bank of Yokohama, Ltd. Non-Consolidated ③ The Higashi-Nippon Bank, Limited Non-Consolidated Total As of March 31, 2026 (C) As of June 30, 2025 (B) As of June 30, 2026 (A) ④ THE KANAGAWA BANK, LTD. Non-Consolidated ④ 神奈川銀⾏ 単体 ③ 東⽇本銀⾏ 単体 As of March 31, 2026 (C) As of March 31, 2026 (C) As of March 31, 2026 (C) ① ３⾏合算 ② 横浜銀⾏ 単体 東日本銀行 単体 Yokohama Financial Group, Inc. (7186) ー 12 ー
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９．Investment Products for Individuals ９．個人向け投資型商品 （１） グループ合計（３行合算＋浜銀ＴＴ証券） (Unit: Billions of Yen) (A)-(B) (A)-(C) 1 2,588.8 268.8 141.6 2,320.0 2,447.2 2 815.7 185.8 76.7 629.9 739.0 3 3,404.6 454.7 218.3 2,949.9 3,186.2 4 (3 ＋ 10) (3 ＋ 10) 17,382.9 472.8 284.5 16,910.1 17,098.4 （２） ３行合算 (Unit: Billions of Yen) (A)-(B) (A)-(C) 5 Investment trusts (Including fund wrap) 投資信託 (含むファンドラップ) 940.3 172.0 110.0 768.2 830.2 6 Insurance 保険 1,554.9 65.5 15.9 1,489.3 1,538.9 7 Foreign currency deposits 外貨預金 15.5 0.6 0.0 14.8 15.4 8 Public bonds 公共債 78.1 30.6 15.5 47.5 62.6 9 2,588.8 268.8 141.6 2,320.0 2,447.2 10 個人預金（円貨預金） 13,978.3 18.0 66.1 13,960.2 13,912.1 11 個人向け預り資産合計 16,567.2 286.9 207.7 16,280.2 16,359.4 （３） 横浜銀行 単体 (Unit: Billions of Yen) (A)-(B) (A)-(C) 12 Investment trusts (Including fund wrap) 投資信託 (含むファンドラップ) 906.4 164.7 105.3 741.6 801.0 13 Insurance 保険 1,433.7 63.9 16.3 1,369.8 1,417.4 14 Foreign currency deposits 外貨預金 15.5 0.7 0.0 14.7 15.4 15 Public bonds 公共債 75.7 30.7 15.3 45.0 60.4 16 2,431.4 260.1 137.1 2,171.3 2,294.3 17 個人預金（円貨預金） 12,903.2 39.8 72.5 12,863.3 12,830.7 18 個人向け預り資産合計 15,334.7 300.0 209.6 15,034.7 15,125.1 （４） 東日本銀行 単体 (Unit: Billions of Yen) (A)-(B) (A)-(C) 19 Investment trusts 投資信託 15.3 1.8 1.6 13.4 13.7 20 Insurance 保険 65.1 (3.6) (1.2) 68.7 66.4 21 Foreign currency deposits 外貨預金 - (0.1) - 0.1 - 22 Public bonds 公共債 2.0 (0.2) 0.1 2.3 1.9 23 82.6 (2.1) 0.5 84.7 82.0 24 個人預金（円貨預金） 746.5 (19.8) (8.2) 766.3 754.8 25 個人向け預り資産合計 829.1 (21.9) (7.7) 851.1 836.9 （５） 神奈川銀行 単体 (Unit: Billions of Yen) (A)-(B) (A)-(C) 26 Investment trusts 投資信託 18.5 5.4 3.0 13.0 15.4 27 Insurance 保険 55.9 5.2 0.8 50.7 55.0 28 Foreign currency deposits 外貨預金 - (0.0) - 0.0 - 29 Public bonds 公共債 0.3 0.1 0.0 0.2 0.2 30 74.8 10.8 4.0 63.9 70.7 31 個人預金（円貨預金） 328.4 (1.9) 1.9 330.4 326.5 32 個人向け預り資産合計 403.2 8.8 5.9 394.4 397.3 Total individual deposit assets As of March 31, 2026 (C) As of March 31, 2026 (C) As of June 30, 2025 (B) As of June 30, 2026 (A) As of June 30, 2026 (A) As of June 30, 2025 (B) Total individual deposit assets （２） The Bank of Yokohama, Ltd. ,The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined （１）Group Total（The Bank of Yokohama, Ltd. ,The Higashi- Nippon Bank, Limited, THE KANAGAWA BANK, LTD. and Hamagin Tokai Tokyo Securities Co.,Ltd. Combined） 個人向け投資型商品合計 個人向け投資型商品合計 個人向け投資型商品合計 個人向け投資型商品合計 個人向け預り資産 合計 浜銀TT証券㈱の個人向け 投資型商品 Individual deposits (deposits in yen) Total balance of investment products for individuals (The Bank of Yokohama, Ltd. ,The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined) Investment products for individuals at Hamagin Tokai Tokyo Securities Co.,Ltd. Total balance of investment products for individuals Total balance of investment products for individuals 個人向け投資型商品合計 （３行合算） (Unit: Billions of Yen) As of March 31, 2026 (C) As of June 30, 2025 (B) As of June 30, 2026 (A) As of March 31, 2026 (C) As of June 30, 2025 (B) As of June 30, 2026 (A) Total balance of investment products for individuals 個人向け投資型商品合計 Individual deposits (deposits in yen) Total individual deposit assets As of March 31, 2026 (C) As of June 30, 2025 (B) As of June 30, 2026 (A) （３） The Bank of Yokohama, Ltd. Non-Consolidated Total balance of investment products for individuals （４） The Higashi-Nippon Bank, Limited Non-Consolidated Individual deposits (deposits in yen) Total individual deposit assets （５） THE KANAGAWA BANK, LTD. Non-Consolidated Total balance of investment products for individuals Individual deposits (deposits in yen) Total individual deposit assets (Reference) Sales amount of investment products for individuals ＜The Bank of Yokohama, Ltd. , The Higashi-Nippon Bank, Limited and THE KANAGAWA BANK, LTD. Combined＞ （参考） 個⼈向け投資型商品の販売額 ＜３⾏合算＞ June 30, 2026 June 30, 2025 March 31, 2026 June 30, 2026 June 30, 2025 March 31, 2026 June 30, 2026 June 30, 2025 March 31, 2026 June 30, 2026 June 30, 2025 March 31, 2026 33 Sales amount of Investment trusts （Including fund wrap） 投資信託販売額 (含むﾌｧﾝﾄﾞﾗｯﾌﾟ) 37.9 23.6 130.8 36.9 23.2 127.0 0.0 0.0 0.0 0.9 0.3 3.6 34 Sales amount of Insurance 保険販売額 29.2 41.2 131.3 28.2 39.6 125.3 0.1 0.1 1.1 0.7 1.5 4.8 KANAGAWAHigashi-NipponYokohamaCombined For the three months ended For the year ended Yokohama Financial Group, Inc. (7186) ー 13 ー