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Financial Results for 3rd Quarter of FY2025 Feb 5, 2026 Investor Presentation
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1Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Table of Contents Financial Results for 3rd Quarter of FY2025 Financial Highlights - Financial Highlights and Topics P.2 - P/L P.3 - B/S P.4 Strategic investment and shareholder returns P.5 Reference: Impact of rising long term interest rates P.6 Yen Bonds and Foreign Bonds P.20 Reduction of Policy Shareholding P.21 Expenses P.22 Credit Costs P.23 Reference: Details of Credit Costs P.24 Balance of Non-Performing Loans P.25 Reference: Financial Summary of L&F Asset Finance P.26 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 Loans P.12 Reference: Trends in net interest income from domestic operations P.13 Average Balance of Loans and Deposits 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 Net Fees and Commissions P.18 Securities Portfolio P.19 Strategic Investment in MILIZE Inc. (Equity-method Accounted Investment) Summary P.28 Company Profile of MILIZE Inc. P.29 Strategic Rationale P.30 Reference Materials Estimated Impacts of Policy Rate Changes on Gross Operating Income (excluding securities investment) P.32
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 2Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Financial Highlights and Topics ¥ 85.0 bn ROE 8.4％*1 (YoY+1.9%) Profit attributable to owners of parent YoY +¥22.2 bn, Achievement Rate: 82.5％ 66.9 82.8 103.0 62.7 85.0 +22.2 bn ROE 5.4％ 6.4％ 7.6％ 6.5％ 8.4％ +20.2 bn Steady improvement in ROE driven by profit growth (¥ bn) Profit attributable to owners of parent FY23 FY24 FY25 Forecast FY24 -3Q FY25 -3Q ✓ Profit attributable to owners of parent was ¥85.0 bn, an increase of 35% year-on-year, with an achievement rate of 82.5% *1 Calculated by annualizing net income ⚫ Net interest income increased due to continued improvement in yield spread from deposits and loans and growth in deposits and loans balance, and the achievement rate was 76.2% ⚫ Expenses were controlled as planned and the achievement rate was 73.3% OHR declined to 48.0% ⚫ Credit costs maintained extremely low level at ¥0.9 bn. Achievement rate was 9.5% ✓ Announced the conversion of MILIZE into an equity-method affiliate and share buyback is in progress ⚫ Acquired shares to strengthen competitiveness in the AI and digital domains and create growth opportunities ⚫ Acquired ¥13.0 bn treasury shares by January 31 against the upper limit of ¥30.0 bn ✓ Replacement of yen bonds while controlling financial impact when long term interest rate rises ⚫ The yen bonds valuation losses are at a very low level compared to capital
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 3Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 (¥ bn) FY25 -3Q YoY Forecast Achievement Rate Gross operating income 206.3 22.8 275.1 75.0% Expenses (-) 99.1 5.4 135.2 73.3% Core net business profit 107.2 17.3 139.9 76.6% Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts 120.3 26.0 153.0 78.6% Credit costs (-) 0.9 (6.6) 10.0 9.5% Gains or losses on stocks and other securities 4.2 (1.1) 3.9 108.8% Ordinary profit 112.6 22.8 136.4 82.5% Net income 80.3 18.5 96.1 83.5% Profit attributable to owners of parent 85.0 22.2 103.0 82.5% Three Bank Combined Consolidated Continued expansion in yield spread from deposits and loans through accumulation of highly profitable assets and a rise in market interest rates Steady progress driven by structured finance Cut our losses on low-return funds and replaced yen bonds utilizing valuation gain on investment trusts Interest on deposits and loans from domestic operations: ¥131.5 bn (YoY +¥15.3 bn、achievement rate: 74.8％） Loan interest: ¥162.6 bn (YoY +¥39.0 bn), Deposit interest: ¥31.0 bn (YoY +¥23.6 bn), Yield spread from deposits and loans (FY25-3Q): 1.144％ (YoY +0.147%, QoQ +0.014%) *2 Including negotiable certificates of deposit Net fees and commissions from domestic operations: ¥35.3 bn (YoY +¥1.9 bn, achievement rate: 75.4％) Corporate client service revenue: ¥17.7 bn (YoY +¥2.6 bn), Individual client service revenue: ¥9.8 bn (YoY (¥0.3 bn)) Other gross operating income: ¥25.5 bn (YoY +¥5.6 bn) Interest on deposits with BOJ: ¥21.6 bn (YoY +¥11.9 bn) <Reference> Market division income/total net gains or losses: ¥ 4.3 bn (YoY (¥6.6 bn)) Financial Highlights - P/L 1Q 0.974% 0.981% 0.997% 1.066% 1.064% 2Q 3Q 4Q1Q 2Q 3Q 4Q FY24 FY25 1.144%1.130%Yield on domestic loans Yield spread from domestic deposits and loans Yield on domestic deposits*2 The domestic sales department led performance, while core net business profit *1, which shows the strength of our core business, progressed at a high achievement rate of 78.6% *1 Excluding gains (losses) on bonds and cancellation of investment trusts
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 4Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 ⚫ Deposits*1: ¥20.6 tn (YoY +¥0.5 tn, +2.7%) Individuals: ¥14.1 tn (YoY +¥0.3 tn, +2.7%) Corporate: ¥5.0 tn (YoY +¥0.2 tn, +5.2%) Public Sectors, etc.: ¥1.4 tn (YoY (¥0.0 tn), (4.9%)) Steady growth in balances of both individual deposits and corporate deposits ⚫ Securities*1: ¥3.2 tn (YoY +¥0.2 tn) Yen bonds (available-for-sale): ¥1.1 tn (YoY +¥0.2 tn) Diversified Investment: ¥0.9 tn (YoY (¥0.0 tn)) Replaced and increased yen bonds under interest rate risk control Diversified investment decreased due to cutting losses on investment trusts ⚫ Loans*1: ¥17.3 tn (YoY +¥0.7 tn, +4.6%)*2 Corporate: ¥9.4 tn (YoY +¥0.5 tn, +6.3%)*3 Individuals: ¥7.1 tn (YoY+¥0.2 tn, +3.1%) Public Sectors: ¥0.7 tn (YoY (¥0.0 tn), (2.5%)) Growth in small & medium sized businesses loans, loans to HNWIs and housing loans Balance sheet (Dec-25) Securities*1 ¥3.2 tn (YoY +¥0.2 tn) BOJ current accounts ¥3.2 tn (YoY (¥0.8 tn)) Deposits*1 ¥20.6 tn (YoY +¥0.5 tn) *1 Three Banks Combined. Loans and deposits for domestic operations (including foreign currencies and negotiable certificates of deposit) Loans (Consolidated) ¥17.6 tn (YoY+¥0.9 tn) Loans*1 (Three Banks Combined) ¥17.3 tn (YoY +¥0.7 tn) Steady growth in both loans and deposits *2 Growth rate excluding the loan from The Bank of Yokohama to L&F Asset Finance (for large & medium sized businesses) was 3.5% *3 Growth rate excluding the loan from The Bank of Yokohama to L&F Asset Finance (for large & medium sized businesses) was 4.3% Financial Highlights - B/S Total assets ¥25.2 tn Liabilities ¥23.8 tn Net assets ¥1.4 tn
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 5Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Strategic investment and shareholder returns Announced the conversion of MILIZE into an equity-method affiliate and share buyback is in progress The Conversion of MILIZE into an equity-method affiliate Progress in share buyback (¥ bn) 40% 40% 40% 40% 58% 50% 50% 64% Payout ratio Total return ratio About 40% FY21 FY22 FY23 FY24 FY25 Forecast 21.6 10.0 31.6 6.0 22.4 28.4 7.0 26.9 33.9 33.4 20.0 53.4 42.0 10.0 13.0 ⚫ Strengthen customer solution engagement capabilities in partnership with MILIZE ⚫ Drive group-wide transformation through collaboration in AI and digital strategy Strategic Purpose (1) Strengthen competitiveness and create growth opportunities in AI and digital field Approach (2) Benefit from MILIZE’s corporate value enhancement ⚫ Expand services and products jointly developed with MILIZE to other regional financial institutions See p.27 for details Results as of October 31, 2025 17.0 ⚫ The ¥10.0 bn upper limit announced in August has been fully acquired ⚫ The ¥30.0 bn upper limit announced in November is in around 40% progress Business Environment ⚫ Digitalization and AI are driving more advanced operations and enhanced services ⚫ Financial institutions are actively accelerating AI investments Strategic Rationale Total amount of dividends Purchases of treasury shares Results as of January 31, 2026 Upper limit 30.0
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 6Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Reference: Impact of rising long term interest rates Yen bonds valuation losses and negative carry yen bonds have limited impact on capital and P/L Status of yen bonds holdings and impacts on capital Status of yen bonds (available-for-sale) Yen bonds valuation losses*3 are at a very low level compared to net assets Negative carry yen bonds compared to the ordinary deposit yield (0.30%) Making use of valuation gain on available-for-sale securities when cutting losses Net unrealized gains(losses) Approx. (4.0) bn *1 Duration of The Bank of Yokohama and The Higashi-Nippon Bank *2 Only The Bank of Yokohama. Excluding held-to-maturity bonds (¥ bn) 916.1 1,136.5 1,177.7 870.0 862.0 861.7 4.2 4.0 3.8 5.0 4.5 4.2 1,786.1 (42.9) (35.2) (44.1) (39.7) (52.0) (49.7) Mar-25 Sep-25 Dec-25 1,998.5 Balance Approx. ¥42.0 bn 2,039.4 Yen bonds (available-for-sale) ¥1,177.7 bn (Dec-25) Yield: less than 0.50% (Net unrealized gains (losses): Approx. (¥21.0) bn) ¥1.40 tn (¥0.04) tn Replacement of yen bonds under interest rate risk control Net assets Net unrealized losses on yen bonds*3 (3.4) Impact for a 10 basis point increase*2 *3 Excluding held-to-maturity bonds held-to- maturity available- for-sale Net unrealized gains(losses) Held-to-maturity Available-for-sale ■ Held-to-maturity ■ Available-for-sale Duration (year) *1 Yield: less than 0.30% (Net unrealized gains (losses): Approx. (¥4.0) bn)
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7Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Financial Results for 3rd Quarter of FY2025
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 8Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Financial Summary (P/L) The domestic sales department drove performance, and the bottom-line achieved a high achievement rate of 82% of the full-year forecast (¥ bn) Three Banks Combined BOY*1 HNB*2 KANAGIN*3 FY25-3Q YoY Forecast Achievement Rate FY25-3Q YoY Forecast Achievement Rate FY25-3Q YoY Forecast Achievement Rate FY25-3Q YoY Forecast Achievement Rate Gross operating income 206.3 22.8 275.1 75.0% 180.8 22.8 241.5 74.8% 19.0 (0.2) 25.2 75.6% 6.3 0.2 8.4 75.9% Net interest income 179.9 29.0 235.9 76.2% 157.0 29.1 205.6 76.3% 17.1 (0.3) 22.6 75.7% 5.7 0.2 7.7 74.9% Of which, net interest income from domestic operations 172.6 29.3 227.4 75.9% 149.7 29.4 197.1 75.9% 17.1 (0.3) 22.6 75.7% 5.7 0.2 7.7 74.9% Of which, interest on deposits and loans from domestic operations*4 131.5 15.3 175.8 74.8% 111.6 14.9 149.3 74.7% 14.6 0.1 19.5 75.3% 5.2 0.2 7.0 74.5% Net fees and commissions 35.8 1.9 47.4 75.6% 32.2 1.7 42.3 76.2% 2.6 0.1 3.9 68.3% 0.9 0.0 1.2 78.9% Of which, net fees and commissions from domestic operations 35.3 1.9 46.9 75.4% 31.7 1.7 41.8 75.9% 2.6 0.1 3.9 68.3% 0.9 0.0 1.2 78.9% Others (9.4) (8.1) (8.3) ‐ (8.3) (8.1) (6.4) ‐ (0.7) 0.0 (1.3) ‐ (0.3) (0.0) (0.5) - 〈Reference〉 Market division total net gains/losses 4.3 (6.6) 9.4 46.3% 2.5 (6.1) 7.6 33.6% 1.7 (0.4) 1.8 95.0% 0.0 (0.1) 0.0 - Expenses (－) 99.1 5.4 135.2 73.3% 81.1 4.8 111.0 73.0% 13.3 0.4 17.9 74.6% 4.6 0.1 6.2 74.2% 〈Reference〉 OHR 48.0% (3.0pt) 49.1% - 44.8% (3.4pt) 45.9% - 70.0% 3.1pt 71.0% - 72.1% 0.2pt 73.8% - Core net business profit 107.2 17.3 139.9 76.6% 99.7 17.9 130.4 76.4% 5.7 (0.6) 7.3 78.2% 1.7 0.0 2.1 84.4% Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts 120.3 26.0 153.0 78.6% 111.8 26.4 141.6 78.9% 6.4 (0.5) 8.6 74.6% 2.1 0.1 2.7 78.2% Credit costs (－) 0.9 (6.6) 10.0 9.5% 0.0 (4.5) 7.9 0.2% 0.6 (1.6) 1.3 48.9% 0.3 (0.4) 0.8 37.7% Gains or losses on stocks and other securities 4.2 (1.1) 3.9 108.8% 3.0 (0.5) 2.8 110.0% 0.7 (0.5) 0.7 107.5% 0.4 (0.1) 0.4 103.0% Ordinary profit 112.6 22.8 136.4 82.5% 104.8 22.3 127.8 82.0% 5.8 0.1 6.7 87.6% 1.9 0.3 1.9 101.3% Net income 80.3 18.5 96.1 83.5% 74.9 18.0 90.3 82.9% 3.9 0.0 4.5 87.7% 1.4 0.4 1.3 110.3% Consolidated Ordinary profit 123.2 29.8 151.0 81.5% Profit attributable to owners of parent 85.0 22.2 103.0 82.5% 〈Reference〉 ROE (TSE Standard) 8.4% 1.9% 7.6% - Main factors for changes in net interest income (three banks combined) 〈Reference*5〉 FY16 -3Q FY17 -3Q FY18 -3Q FY19 -3Q FY20 -3Q FY21 -3Q FY22 -3Q FY23 -3Q FY24 -3Q FY25 -3Q Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts 82.1 62.1 54.6 53.1 51.6 64.5 73.6 78.3 94.3 120.3 Profit attributable to owners of parent 47.5*6 50.5 46.7 41.1 35.7 50.0 45.7 53.9 62.7 85.0 ➢ Interest on deposits and loans from domestic operations: +¥15.3 bn (Loan interest: +¥39.0 bn, Deposit interest: (-) +¥23.6 bn) ➢ Interest and dividends on securities: +¥6.1 bn (Intra-group dividend: +¥1.3 bn) ➢ Interest on deposits with BOJ: +¥11.9 bn *5 Results from FY16 to FY22 do not include THE KANAGAWA BANK. FY23 and later results include THE KANAGAWA BANK *6 Net income after deducting a gain on bargain purchase *1 The Bank of Yokohama, Ltd. *2 The Higashi-Nippon Bank, Limited *3 THE KANAGAWA BANK, Ltd. *4 Including negotiable certificates of deposit
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 9Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Reference: Change in profit attributable to owners of parent FY24-3Q FY25-3Q +¥15.3 bn +¥1.9 bn +¥5.4 bn (¥5.4) bn +¥3.6 bn ¥62.7 bn ¥85.0 bn +¥13.6 bn (¥8.1) bn Interest and dividends on securities +¥6.1 bn Interest on deposits with BOJ +¥7.8 bn (¥6.6) bn Gains (losses) on bonds (¥8.5) 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 client service revenue +¥2.6 bn Individual client service revenue (¥0.4) bn Others +¥1.0 bn Loan interest +¥39.0 bn Deposit interest (-) +¥23.6 bn Personnel expenses (-) Non-personnel expenses (-) +¥2.3 bn +¥2.6 bn Gains or losses on stocks and other securities Non-recurring and extraordinary gains and losses Total income taxes(-) (¥1.1) bn +¥2.5 bn +¥6.9 bn Other Net Interest Income Other gross operating income Income from L&F (after amortization of goodwill, etc.) Others +¥3.6 bn +¥0.0 bn
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 10Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Three Banks Combined(¥ bn) BOY HNB KANAGIN FY24-3Q FY25-3Q YoY FY24-3Q FY25-3Q YoY FY24-3Q FY25-3Q YoY FY24-3Q FY25-3Q YoY Gross operating income 183.4 206.3 22.8 158.0 180.8 22.8 19.2 19.0 (0.2) 6.1 6.3 0.2 Income from domestic operations 174.8 196.6 21.8 149.3 171.2 21.8 19.2 19.0 (0.1) 6.1 6.3 0.2 Of which, net interest income 143.2 172.6 29.3 120.2 149.7 29.4 17.5 17.1 (0.3) 5.4 5.7 0.2 Of which, net fees and commissions 33.4 35.3 1.9 29.9 31.7 1.7 2.5 2.6 0.1 0.9 0.9 0.0 Of which, net other ordinary income (1.9) (11.3) (9.4) (0.8) (10.2) (9.3) (0.7) (0.7) 0.0 (0.2) (0.3) (0.0) Income from international operations 8.6 9.6 0.9 8.6 9.6 0.9 0.0 (0.0) (0.0) (0.0) (0.0) 0.0 Of which, net interest income 7.6 7.3 (0.3) 7.6 7.3 (0.3) 0.0 (0.0) (0.0) 0.0 0.0 0.0 Of which, loan interest 26.1 22.7 (3.3) 26.1 22.7 (3.3) 0.0 0.0 (0.0) - - - Of which, interest and dividends on securities 13.6 10.2 (3.4) 13.6 10.2 (3.4) 0.0 0.0 (0.0) - - - Of which, others (deposit interest, market operation, etc.) (32.1) (25.6) 6.5 (32.1) (25.6) 6.5 (0.0) (0.0) (0.0) 0.0 0.0 0.0 Of which, net fees and commissions 0.4 0.4 (0.0) 0.4 0.4 (0.0) 0.0 0.0 (0.0) (0.0) (0.0) 0.0 Of which, net other ordinary income 0.5 1.8 1.3 0.5 1.8 1.3 0.0 0.0 (0.0) 0.0 0.0 (0.0) Expenses (-) 93.6 99.1 5.4 76.2 81.1 4.8 12.9 13.3 0.4 4.4 4.6 0.1 Personnel expenses 44.1 46.4 2.3 34.8 36.8 2.0 7.0 7.2 0.2 2.3 2.4 0.0 Non-personnel expenses 41.9 44.5 2.6 35.2 37.5 2.2 4.9 5.1 0.2 1.7 1.8 0.0 Taxes 7.5 8.0 0.5 6.2 6.7 0.5 0.9 0.9 (0.0) 0.2 0.3 0.0 〈Reference〉 OHR 51.0% 48.0% (3.0pt) 48.2% 44.8% (3.4pt) 66.9% 70.0% 3.1pt 71.9% 72.1% 0.2pt Core net business profit 89.8 107.2 17.3 81.7 99.7 17.9 6.3 5.7 (0.6) 1.7 1.7 0.0 Core net business profit excluding gains (losses) on bonds and cancellation of investment trusts 94.3 120.3 26.0 85.4 111.8 26.4 6.9 6.4 (0.5) 1.9 2.1 0.1 Credit costs (-) 7.6 0.9 (6.6) 4.6 0.0 (4.5) 2.2 0.6 (1.6) 0.7 0.3 (0.4) Credit cost ratio 0.06% 0.00% (0.06pt) 0.04% 0.00% (0.04pt) 0.18% 0.05% (0.13pt) 0.24% 0.09% (0.15pt) Gains or losses on stocks and other securities 5.4 4.2 (1.1) 3.6 3.0 (0.5) 1.2 0.7 (0.5) 0.5 0.4 (0.1) Other non-recurring gains (losses) 2.1 2.1 (0.0) 1.7 2.0 0.3 0.3 0.0 (0.3) 0.0 0.0 (0.0) Ordinary profit 89.8 112.6 22.8 82.4 104.8 22.3 5.7 5.8 0.1 1.5 1.9 0.3 Extraordinary Income(losses) (3.1) (0.5) 2.6 (2.8) (0.3) 2.4 (0.3) (0.1) 0.1 (0.0) (0.0) (0.0) Total income taxes (-) 24.8 31.7 6.9 22.7 29.5 6.8 1.5 1.8 0.2 0.5 0.4 (0.1) Net income 61.7 80.3 18.5 56.9 74.9 18.0 3.8 3.9 0.0 0.9 1.4 0.4 Reference: Highlights of Financial Results
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 11Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 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 FY25 -3Q YoY FY25 -3Q YoY FY25 -3Q YoY FY25 -3Q YoY FY25 -3Q YoY FY25 -3Q YoY FY25 -3Q YoY FY25 -3Q YoY FY25-3Q FY25-3Q Gross Operating Income*2*3 24.9 4.0 5.7 0.1 4.2 1.6 7.1 0.3 3.4 1.1 4.3 0.6 13.5 - 206.3 22.8 (14.9) 229.9 Of which, net interest Income*3 5.2 3.3 0.0 0.0 1.7 1.5 0.3 0.1 2.1 1.1 0.9 0.6 11.8 - 179.9 29.0 (10.0) 186.9 Of which, net fees and commissions 16.2 0.5 5.3 0.2 0.5 0.0 6.8 0.1 - - 3.4 0.0 1.7 - 35.8 1.9 (4.5) 49.2 Core Net Business Profit*4 13.2 3.6 0.8 0.0 2.7 1.6 6.6 0.2 1.9 1.0 1.0 0.6 7.7 - 107.2 17.3 (8.6) 119.6 Credit Costs (-) 1.0 (0.3) - - 0.1 (0.4) 0.8 0.1 (0.0) (0.0) 0.0 0.0 0.1 - 0.9 (0.6) 0.0 2.2 Ordinary Profit 12.4 4.0 0.8 0.0 2.8 2.1 5.7 0.1 1.9 1.0 1.0 0.6 7.6 - 112.6 22.8 (9.5) 123.2 Net Income 10.0 3.7 0.5 0.0 2.5 1.9 3.9 0.1 2.0 1.0 1.0 0.6 5.0 - 80.3 18.5 (10.4) 85.0 Intra-group dividend 4.8 3.2 - - 1.5 1.5 0.2 0.0 2.1 1.0 0.9 0.6 - - 5.0 1.3 (9.9) 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 - General and Administrative Expenses
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 12Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Yield on deposits and loans(Three Banks Combined)*1 Net Interest Income (Three Banks Combined) & Yields on Deposits and Loans Net interest income increased due to continued improvement in yield spread from deposits and loans and growth in deposits and loans balance Three Banks Combined(¥ bn) BOY HNB KANAGIN FY25-3Q YoY Achievement Rate FY25-3Q YoY FY25-3Q YoY FY25-3Q YoY Net Interest income 172.6 29.3 75.9% 149.7 29.4 17.1 (0.3) 5.7 0.2 Loan interest 162.6 39.0 74.7% 138.7 35.5 18.0 2.7 5.9 0.7 Average loan balance 16,390.6 530.2 - 14,367.1 550.1 1,606.6 (29.1) 416.8 9.2 Yield 1.317% 0.283pt - 1.281% 0.290pt 1.488% 0.250pt 1.880% 0.203pt Deposit interest*2 (-) 31.0 23.6 74.5% 27.0 20.5 3.3 2.5 0.6 0.4 Average deposit balance*2 20,273.7 555.4 - 18,143.5 592.3 1,653.3 (35.8) 476.8 (1.1) Yield*2 0.203% 0.153pt - 0.198% 0.149pt 0.267% 0.209pt 0.190% 0.131pt Interest and dividends on securities 24.9 6.1 - 21.6 6.3 2.9 (0.1) 0.4 (0.0) Of which, interest on securities*3 12.9 3.2 - 9.9 3.2 2.7 (0.0) 0.2 0.0 Of which, stock dividends 9.7 2.5 - 9.4 2.6 0.1 0.0 0.1 (0.0) Of which, net gains on investment trust cancellation ‐ (0.1) - ‐ ‐ ‐ (0.1) ‐ ‐ Interest on deposits with BOJ 21.6 11.9 - 20.9 11.4 0.5 0.3 0.1 0.1 Others (5.5) (4.1) - (4.5) (3.3) (1.0) (0.7) (0.0) (0.0) BOY HNB KANAGIN Loan interest 35.51 Loan interest 2.75 Loan interest 0.75 Balance 4.25 Balance (0.27) Balance 0.11 Yield 31.26 Yield 3.02 Yield 0.63 (¥ bn) Yield on Loans*1 BOY HNB KANAGIN 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. 0.75％0.50% 0.960% 0.946% 0.955% 0.969% 0.994% 1.024% 1.084% 1.191% 1.257% 1.358% 0.003% 0.003% 0.004% 0.003% 0.020% 0.043% 0.087% 0.125% 0.193% 0.203% 0.957％ 0.943％ 0.951％ 0.974％ 0.981％ 0.997％ 1.066％ 1.064％ 1.144％ 1.333% 0.214% 1.130％ 0.25％ Range 0.0% to 0.10% Range -0.10％ to 0.0％ Yield on domestic loans Policy rate Yield spread from domestic deposits and loans Yield on domestic deposits*2 FY23 -1Q FY23 -2Q FY23 -3Q FY23 -4Q FY24 -1Q FY24 -2Q FY24 -3Q FY24 -4Q FY25 -1Q FY25 -2Q FY25 -3Q 0.966％ 1.659% 1.663% 1.650% 1.674% 1.651% 1.657% 1.722% 1.745% 1.834% 1.892% 1.911% 1.242% 1.196% 1.201% 1.215% 1.194% 1.215% 1.306% 1.349% 1.470% 1.494% 1.501% 0.906% 0.895% 0.905% 0.918% 0.951% 0.982% 1.039% 1.156% 1.216% 1.299% 1.326% FY23 -1Q FY23 -2Q FY23 -3Q FY23 -4Q FY24 -1Q FY24 -2Q FY24 -3Q FY24 -4Q FY25 -1Q FY25 -2Q FY25 -3Q*3 Bond interest and distributions from investment trusts
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 13Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Reference: Trends in net interest income from domestic operations (Three Banks Combined) (¥ bn) FY22 FY23 FY24 FY25 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q Net interest income from domestic operations*1 43.9 41.5 40.9 42.9 43.8 45.7 42.1 46.9 47.9 49.2 46.0 57.6 56.3 60.0 56.1 Interest on deposits and loans from domestic operations*2 35.6 36.2 36.7 36.4 37.2 37.4 37.8 37.7 38.4 38.7 38.9 40.6 40.9 44.7 45.9 Loan interest from domestic operations 35.8 36.3 36.9 36.5 37.4 37.6 38.0 37.8 39.4 40.8 43.3 46.7 50.7 55.1 56.8 Deposit interest from domestic operations (-)*2 0.1 0.1 0.1 0.1 0.1 0.1 0.2 0.1 0.9 2.1 4.3 6.1 9.8 10.3 10.9 Interest and dividends on securities from domestic operations 6.6 3.9 2.7 5.4 4.9 6.6 2.8 7.7 7.4 7.5 3.8 12.4 9.6 10.0 5.1 Interest on deposits with BOJ 1.5 1.2 1.2 1.1 1.2 1.1 1.1 1.2 2.1 3.5 4.0 5.9 7.4 7.4 6.7 Other net interest income and expenses 0.0 0.0 0.2 (0.0) 0.3 0.5 0.3 0.2 (0.1) (0.5) (0.7) (1.3) (1.6) (2.1) (1.7) Yield spread from domestic deposits and loans*2 0.956% 0.950% 0.954% 0.957% 0.957% 0.943% 0.951% 0.966% 0.974% 0.981% 0.997% 1.066％ 1.064% 1.130% 1.144% Yield on domestic loans 0.959% 0.953% 0.957% 0.960% 0.960% 0.946% 0.955% 0.969% 0.994% 1.024% 1.084% 1.191% 1.257% 1.333% 1.358% Yield on domestic deposits*2 0.003% 0.003% 0.003% 0.003% 0.003% 0.003% 0.004% 0.003% 0.020% 0.043% 0.087% 0.125％ 0.193% 0.203% 0.214% Yield on domestic securities 1.074% 0.637% 0.433% 0.892% 0.756% 1.023% 0.446% 1.219% 1.162% 1.177% 0.582% 1.908% 1.468% 1.468% 0.749% Average balance of domestic loans 15,003.3 15,138.4 15,320.5 15,448.6 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 Average balance of domestic deposits*2 19,640.2 19,751.7 19,632.1 19,648.9 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 Average balance of domestic securities 2,498.1 2,477.8 2,474.1 2,497.2 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 *1 Domestic operations (domestic currency only) *2 Including negotiable certificates of deposit
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 14Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Average Balance of Loans and Deposits (Three Banks Combined) Steady growth in average balance of loans for both corporate and individuals *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 FY2025-3Q was ¥73.5 bn. The average balance for the three banks combined, including THE KANAGAWA BANK, was ¥4,325.5 bn. Three Banks Combined(¥ bn) BOY HNB KANAGIN FY25-3Q YoY FY25-3Q YoY FY25-3Q YoY FY25-3Q YoY Domestic Deposits 20,212.6 3.0% 18,177.0 3.5% 1,558.7 (1.1%) 476.8 (0.2%) Domestic Loans 16,984.0 3.1% 14,960.4 3.7% 1,606.7 (1.7%) 416.8 2.2% Corporate 9,156.1 4.5% 7,548.2 5.9% 1,285.3 (2.7%) 322.4 1.8% Large & Medium Sized Businesses*2 2,409.6 4.9% 2,244.1 6.4% 146.2 (13.1%) 19.2 (2.4%) Small & Medium Sized Businesses 6,746.5 4.3% 5,304.1 5.7% 1,139.0 (1.1%) 303.2 2.1% <Reference> Small & Medium Sized Businesses (Excluding Asset Management Company (BOY)) 5,691.3 3.9% 4,249.0 5.6% 1,139.0 (1.1%) 303.2 2.1% Public Sectors 757.0 (14.4%) 738.8 (14.1%) 15.9 (25.9%) 2.2 (20.8%) Individuals 7,070.8 3.6% 6,673.3 3.6% 305.3 4.1% 92.0 4.3% Of which, Housing Loans*3 4,251.9 4.1% 4,180.5 4.4% 71.4 (12.3%) - - Of which, Card Loans 96.9 2.2% 95.5 2.3% 1.4 (0.8%) - - Of which, Unsecured Loans to Specific Purpose 187.1 15.6% 186.9 15.6% 0.1 (16.2%) - - Loans to HNWIs*4 3,464.1 3.5% 3,237.0 3.1% 227.0 11.1% - - Asset Management Company*5 1,055.1 6.3% 1,055.1 6.3% - - - - Apartment Loans 2,194.4 2.9% 1,967.3 2.1% 227.0 11.1% - - Loans to Non-Residential Property 214.5 (3.0%) 214.5 (3.0%) - - - - Structured finance 781.3 11.8% 781.3 11.8% - - - - Average Balance of Loans and Deposits*1 *4 High-Net-Worth Individuals *5 Loans to HNB’s asset management company is included in loans to SMEs.
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 15Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 22年度 23年度 24年度 24年度-3Q 25年度-3Q 22年度 23年度 24年度 24年度-3Q 25年度-3Q 22年度 23年度 24年度 24年度-3Q 25年度-3Q 22年度 23年度 24年度 24年度-3Q 25年度-3Q (¥ bn) Reference: Average Balance of Loans (Domestic operations (Foreign Currency Included)) *1 Excluding Asset Management Company (BOY) *2 Two banks combined (BOY and HNB) SME Loans*1 Loans to HNWIs*2 Housing Loans*2 Card Loans, Unsecured Loans for Specific Purpose*2 FY23FY22 FY24 ■ BOY ■ HNB ■ KANAGIN FY24-3Q FY25-3Q FY23FY22 FY24 FY24-3Q FY25-3Q ■ BOY ■ HNB (¥ bn) ■ BOY ■ HNB FY23FY22 FY24 FY24-3Q FY25-3Q (¥ bn) (¥ bn) ■ BOY ■ HNB FY23FY22 FY24 FY24-3Q FY25-3Q 5,117.8 +5.2% 5,387.3 5,691.3 +3.9% 5,493.4 +1.9% 5,472.5 3,126.6 +3.8% 3,246.9 3,464.1 +3.5% 3,356.2 +3.3% 3,344.0 3,806.8 +4.3% 3,974.2 4,251.9 +4.1% +3.2% 4,103.4 4,083.7 218.0 +8.9% 237.6 284.0 +10.6%+8.8% 258.7 256.6
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 16Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 4,483.5 4,653.1 4,755.6 4,819.1 5,071.1 13,338.3 13,527.6 13,878.7 13,770.4 14,152.0 2,017.5 1,760.1 1,784.2 1,085.8 959.3 2,229.3 2,299.2 2,253.8 2,259.1 24,95.0 5,297.0 5,513.0 5,533.3 5,613.3 5,878.5 3,915.6 4,042.8 4,207.6 4,150.7 4,278.2 3,201.3 3,327.8 3,437.6 3,381.1 3,506.0 1,466.4 1,354.5 1,231.3 1,144.2 1,152.2 +2.6% +4.6% 17,310.0 16,109.9 16,537.5 +0.7% 16,663.8 16,548.6 +10.4% +4.7% +3.0% +3.6% 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 The Bank of Yokohama to L&F Asset Finance Individual Corporate Others (¥ bn) +2.5% 20,182.5 +0.5% 19,940.9 20,418.7 19,675.319,839.4 +2.3% +2.7% +5.2% Mar-24Mar-23 Mar-25 Dec-24 Dec-25Mar-24Mar-23 Mar-25 Dec-24 Dec-25
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 17Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 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*2) Fixed 29％ Variable 71％ Fixed 3％ Variable 97％ Fixed 2％ Variable 98％ Corporate Loans (Two banks combined*2) Fixed rate with average term of 7.0 years Variable 43% Fixed 57％ Fixed rate with average term of 7.5 years Loans (Two banks Combined*2) Variable rate 69％ Details of loan rates*1 Corporate Loans*1 Loans to HNWIs*1 Housing Loans*1 Card Loans, Unsecured Loans for Specific Purpose*1*4 Prime rate-linked (Corporate) 7% Prime rate-linked (Individual) 34% Market-rate linked 21% Fixed rate (Market-rate linked, Less than 1 year)*3 8% Fixed (more than 5 years) 23％ Fixed rate (3–5 years) 4¥3％ Fixed rate (1–3 years) 3％ Fixed rate (Others, Less than 1 year) 1％ *1 The ratios are rounded to the nearest first decimal place. *2 BOY and HNB *3 The loans mainly using base rates that are highly linked to market rates, such as JBA TIBOR, etc. Housing Loans (Two banks combined*2) *4 Excluding large all-purpose loans Loans to HNWIs (Two banks combined*2)
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 18Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 4.6 5.4 5.1 4.0 3.9 4.4 4.2 3.3 2.7 2.1 2.3 2.5 2.9 1.9 2.3 1.8 2.3 1.9 1.5 1.4 4.8 5.4 6.4 3.6 4.1 10.2 9.3 11.2 8.9 11.0 2.1 2.1 2.02.1 1.7 1.7 30.1 30.2 31.6 23.5 24.5 13.3 14.5 13.3 10.2 9.8 19.4 18.7 21.4 15.1 17.7 (18.4) (19.7) (21.8) (15.5) (16.8) 44.5 43.7 44.6 33.4 35.3 (3.8%) 9.810.2 Individual client service revenue Net Fees and Commissions (Three Banks Combined) Revenue increased driven by structured finance-related, steady progress against the plan (¥ bn) Net Fees and Commissions*1 Corporate client service revenue Investment trusts Insurance HTTS*3 Consultation service related and others *1 Income from domestic operations *2 Structured finance-related (covenanted loans, LBOs, non-recourse loans, etc.) (BOY only) *3 Hamagin Tokai Tokyo Securities Referral fees (¥ bn) (¥ bn) Syndicated Loan Structured finance- related*2 M&A, Business matching Others (1.6%) +1.9% +5.8% Fees and Commissions Payments Fees and Commissions FY22 FY23 FY24 FY24-3Q FY25-3Q Increased revenue due to the introduction of fees for transfers to local governments and other measures Achievement Rate compared to Forecast 75.4% Corporate client Settlement-related business, Others Individual client Net Fees and Commissions FY22 FY23 FY24 FY24-3Q FY25-3Q 1.3 1.1 1.5 1.1 19.4 (3.5%) 18.7 21.4 +14.7% +17.2% 17.7 15.1 FY22 FY23 FY24 FY24-3Q FY25-3Q 13.3 14.5+9.3% 13.3 (8.2%)
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 19Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 65.0 119.4 104.1 110.6 163.8 (65.8) (10.5) (12.1) (16.8) 47.2 (16.2) (16.2) (35.2) (25.3) (49.7) (17.0) 92.5 56.7 68.5 161.3 15.3 18.8 20.8 13.5 15.1 (15.4) (27.8) (13.7) (2.4) (10.7) (0.0) (9.0) 7.0 11.0 4.3 Securities Portfolio (Three Banks Combined) Improved the securities portfolio by actively selling low-return investment trusts Balance Net unrealized gains(losses) (¥ bn) Dec-25 Share Compared to Mar-25 Dec-25 Compared to Mar-25 Total balance of securities （Excluding held-to-maturity） 2,393.2 100.0% 332.6 161.3 104.6 Available-for-sale 2,346.0 98.0% 332.2 161.3 104.6 Domestic Bonds 1,177.7 49.2% 261.5 (49.7) (14.4) Equity securities 262.7 10.9% 55.7 163.8 59.6 Diversified investment 905.6 37.8% 14.9 47.2 59.3 Investment trusts 551.4 23.0% (28.8) 47.3 57.7 Foreign bonds 298.8 12.4% 40.0 (0.1) 1.6 Others 55.2 2.3% 3.6 0.0 0.0 Investments in subsidiaries and affiliates 47.1 1.9% 0.3 - - Held-to-maturity 869.0 - (7.1) (52.0) (9.0) Total balance of securities （Including held-to-maturity） 3,262.2 - 325.4 109.2 95.5 (¥ bn) Securities Portfolio*1 Market Division Income/total net gains or losses Net unrealized gains/losses (Excluding held-to-maturity) *1 ■ Equity Securities ■ Diversified Investment*2 ■ Domestic Bonds Total balance of securities *1 Hedge by equity securities forward is not included (Reference) Deferred gains/losses on hedges (equity securities forward) ¥ 0.7bn (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 FY22 FY23 FY24 FY24-3Q FY25-3Q Achievement Rate compared to Forecast 46.3% Mar-25Mar-23 Mar-24 Dec-25Dec-24
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 20Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 523.9 444.3 376.1 399.3 2.5 1.2 2.2 2.0 1,157.3 860.7 916.1 1,177.7 592.7 877.7 870.0 861.7 4.9 4.5 4.2 3.8 6.0 5.0 4.2 Yen Bonds and Foreign Bonds (Three Banks Combined) Increased yen bonds under interest rate risk control, shorten duration Yen Bonds*5 (¥3.4 bn) (Down ¥0.5 bn from Mar-25) Foreign Bonds*6 (¥0.7 bn) (Up ¥0.0 bn from Mar-25) (¥ 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 (0.16) (0.54) (1.35) (0.22) (0.35) (0.81) Foreign bonds*7 (0.02) (0.04) (0.35) (0.09) (0.12) (0.09) Amount of impact on unrealized gains (losses) on securities (Estimated value for 10 basis points increase in parallel) Impact by interest period (8.7) (12.0) ■ 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) 1,750.1 1,738.5 1,786.1 *4 Only BOY *6 Foreign bonds and Investment trusts investing foreign bonds *7 Excluding investment trusts *5 Excluding held-to-maturity bonds *1 Two banks combined (BOY and HNB) *2 Foreign bonds and Investment trusts investing foreign bonds *3 Foreign bonds only (including floaters of CLO and others) Held-to-maturity Available-for-sale Net unrealized gains(losses) USD/JPY Exchange Rate Mar-24 : 1USD=151.45JPY Mar-25 : 1USD=149.53JPY Dec-25 : 1USD=156.51JPY Mar-24Mar-23 Mar-25 Dec-25 (15.3) (16.2) (42.9) (35.2) (52.0) (49.7) 2,039.4 7.9 (39.1) (20.5) Mar-24Mar-23 Mar-25 Dec-25 (21.2) (16.7)
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 21Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 108.5 90.5 93.9 98.9 95.0 237.0 167.0 208.2 196.4 249.8 20.5% 14.4% 16.2% 15.1% 17.7% Reduction of Policy Shareholding Although the market value rose as market prices went up, reduction on a book value basis progressed 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. Ratio to consolidated net assets (market value basis)*2 *1 Total listed and unlisted stocks held by The Bank of Yokohama, the Higashi-Nippon Bank 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 *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. (¥ bn) ■ Total market value ■ Acquisition cost (book value) End of March 2018 End of March 2021 End of March 2024 End of December 2025End of March 2025 End of March 2030 10% or less (Reference) Including deemed holdings*3 18.5％
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 22Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 2.9 3.1 3.1 2.3 2.4 2.3 3.0 2.4 1.7 1.8 0.3 0.4 0.4 71.0% 86.9% 74.4% 71.9% 72.1% 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 22年度 23年度 24年度 24年度-3Q 25年度-3Q 44.1 44.6 46.9 34.8 36.8 46.7 47.8 48.6 35.2 37.5 7.9 7.7 8.4 57.0% 58.6% 48.8% 48.2% 44.8% -17.0% -7.0% 3.0% 13.0% 23.0% 33.0% 43.0% 53.0% 63.0% 0 200 400 600 800 1,000 1,200 1,400 1,600 1,800 22年度 23年度 24年度 24年度-3Q 25年度-3Q 9.1 9.3 9.2 7.0 7.2 7.9 7.7 6.6 4.9 5.1 1.4 1.3 1.2 67.9% 69.6% 72.9% 66.9% 70.0% -10.0% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% 0 50 100 150 200 250 300 350 22年度 23年度 24年度 24年度-3Q 25年度-3Q 56.2 57.1 59.3 44.1 46.4 57.0 58.6 57.6 41.9 44.5 9.8 9.6 10.1 59.0% 52.0% 51.0% 48.0% -10.0% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 0 500 1,000 1,500 2,000 2,500 22年度 23年度 24年度 24年度-3Q 25年度-3Q OHR 0.2 0.3 5.7 6.7 5.9 4.4 4.6 OHR 18.6 18.4 17.1 12.9 13.3 Expenses Cost investments for growth purposes and strengthening our management base, but steady decline in OHR Expenses (Three Banks Combined) Expenses (HNB) Expenses (BOY) Expenses (KANAGIN) (¥ bn) (¥ bn) (¥ bn) Personnel expenses Non- personnel expenses Taxes Personnel expenses Non- personnel expenses Taxes FY22 FY23 FY24 FY24-3Q FY25-3Q FY22 FY23 FY24 FY24-3Q FY25-3Q Personnel expenses Non- personnel expenses Taxes OHR 123.1 93.6 99.1 125.4 127.2 61.1% 8.0 FY22 FY23 FY24 FY24-3Q FY25-3Q (¥ bn) Personnel expenses Non- personnel expenses Taxes OHR (Forecast) 49.1％ Achievement Rate compared to Forecast 73.3% OHR 6.7 98.8 100.3 104.0 76.2 81.1 FY22 FY23 FY24 FY24-3Q FY25-3Q 7.5 0.9 0.9 6.2
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 23Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 0.4 1.9 1.1 0.7 0.3 0.12% 0.47% 0.28% 0.24% 0.09% -3.00% -2.50% -2.00% -1.50% -1.00% -0.50% 0.00% 0.50% 1.00% -10 0 10 20 30 40 50 22年度 23年度 24年度 24年度-3Q 25年度-3Q 11.8 9.3 6.6 4.6 0.0 0.08% 0.06% 0.04% 0.04% 0.00% -0.30% -0.25% -0.20% -0.15% -0.10% -0.05% 0.00% 0.05% 0.10% 0 50 100 150 200 250 (0.02%) (0.04%) 0.09% 0.18% 0.05% -3.00% -2.50% -2.00% -1.50% -1.00% -0.50% 0.00% 0.50% 1.00% △ 46 4 54 104 154 204 11.9 10.4 9.4 7.6 0.9 0.07% 0.06% 0.05% 0.06% 0.00% -0.30% -0.25% -0.20% -0.15% -0.10% -0.05% 0.00% 0.05% 0.10% 0 50 100 150 200 250 Credit Costs Only few new defaults, and credit costs remain low (¥ bn) Credit Cost Ratio (¥ bn) Credit Costs (Three Banks Combined) Credit Costs (HNB) Credit Costs (BOY) Credit Costs (KANAGIN) Credit Cost Ratio FY22 FY23 FY24 FY24-3Q FY25-3Q Credit Cost Ratio (¥ bn) Achievement Rate compared to Forecast 9.5% FY22 FY23 FY24 FY24-3Q FY25-3Q (¥ bn) Credit Cost Ratio (0.4) (0.7) 1.5 2.2 0.6 FY22 FY23 FY24 FY24-3Q FY25-3Q FY22 FY23 FY24 FY24-3Q FY25-3Q
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 24Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Reference: Details of Credit Costs (¥ bn) FY22 FY23 FY24 FY24-3Q FY25-3Q Change BOY Credit Costs 11.8 9.3 6.6 4.6 0.0 (4.5) General allowance for loan losses 1.6 (3.0) 3.0 2.3 (1.7) (4.0) Provisions of allowance for specific loan losses, written off loans, etc. 10.2 12.4 3.6 2.2 1.7 (0.5) Newly generated and category deterioration factors 20.1 18.0 11.0 7.6 5.4 (2.1) of which new bankruptcies etc. 0.4 0.6 2.4 2.3 0.7 (1.6) Reserve reversals due to category improvement, etc. (9.5) (5.9) (7.8) (5.9) (4.3) 1.5 Others (0.4) 0.0 0.4 0.5 0.6 0.0 HNB Credit Costs (0.4) (0.7) 1.5 2.2 0.6 (1.6) General allowance for loan losses (1.4) (1.1) 0.5 0.9 (0.5) (1.5) Provisions of allowance for specific loan losses, written off loans, etc. 0.9 0.4 1.0 1.2 1.1 (0.1) Newly generated and category deterioration factors 2.1 3.3 4.0 3.7 1.9 (1.7) of which new bankruptcies etc. 0.2 0.4 2.1 1.6 0.2 (1.3) Reserve reversals due to category improvement, etc. (1.9) (2.8) (2.4) (2.2) (0.9) 1.3 Others 0.7 (0.0) (0.5) (0.1) 0.1 0.2 KANA GIN Credit Costs 0.4 1.9 1.1 0.7 0.3 (0.4) General allowance for loan losses 0.1 0.4 0.2 0.1 (0.0) (0.1) Provisions of allowance for specific loan losses, written off loans, etc. 0.3 1.4 0.9 0.6 0.3 (0.2) Newly generated and category deterioration factors 0.4 1.2 0.7 0.3 0.2 (0.0) of which new bankruptcies etc. 0.2 0.0 0.1 0.0 0.0 (0.0) Reserve reversals due to category improvement, etc. 0.2 (0.0) (0.0) (0.5) (0.4) Others (0.0) 0.2 0.4 0.6 0.2 L&F Credit Costs 0.0 0.0 0.1 0.0 General allowance for loan losses 0.0 0.0 0.1 0.0 Provisions of allowance for specific loan losses, written off loans, etc. 0.0 0.0 0.0 0.0 Newly generated and category deterioration factors 0.0 0.0 0.0 0.0 of which new bankruptcies etc. 0.0 0.0 0.0 (0.0) Reserve reversals due to category improvement, etc. (0.0) (0.1) (0.0) 0.0 Others 0.0 0.0 0.0 (0.0)
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 25Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 0.8 0.9 1.2 1.0 1.1 4.6 10.5 9.5 9.3 8.01.9 2.6 2.9 2.3 3.5 1.8% 3.4% 3.3% 3.0% 2.9% -10.0% -8.0% -6.0% -4.0% -2.0% 0.0% 2.0% 4.0% 0 50 100 150 200 14.4 9.1 8.2 7.9 10.7 118.5 111.5 109.1 114.5 109.3 44.8 51.1 49.3 43.9 50.6 1.1% 1.1% 1.1% 1.0% -0.7% -0.5% -0.3% -0.1% 0.1% 0.3% 0.5% 0.7% 0.9% 1.1% 0 500 1,000 1,500 2,000 10.6 6.3 4.4 4.1 4.4 44.4 39.7 34.2 35.5 31.3 13.1 7.6 5.8 6.2 5.7 3.2% 2.7% 2.7% 2.5% -2.0% -1.0% 0.0% 1.0% 2.0% 3.0% 4.0% 0 100 200 300 400 500 600 700 800 900 1,000 25.9 16.3 14.0 13.2 16.4 167.6 161.8 152.9 159.4 148.7 60.0 61.4 58.0 52.5 59.8 1.4% 1.3% 1.3% 1.2% Balance of Non-Performing Loans (Disclosed under FRL) Decrease in the balance of NPL, mainly at HNB, led to a decline in the disclosed NPL ratio NPL Ratio NPL Ratio(¥ bn) NPL Ratio(¥ bn) (¥ bn) Balance of NPL (Three Banks Combined) Balance of NPL (HNB) Balance of NPL (BOY) Balance of NPL (KANAGIN) NPL Ratio(¥ bn) Mar-23 Mar-24 Mar-25 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 Dec-24 Dec-25 Mar-24 Mar-25 Dec-24 Dec-25Mar-23 177.9 171.8 166.7 166.4 170.7 4.1% 68.2 53.6 44.5 45.9 41.5 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 7.4 14.1 13.6 12.7 12.7 1.5% 253.5 239.7 225.0 225.2 225.0 1.2%
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 26Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 435.5 458.3 477.2 471.3 484.8 Reference: Financial Summary of L&F Asset Finance P/L Loan Balance (End Balance) (¥ bn) FY22 FY23 FY24 FY25 -3Q ForecastYoY Achievement Rate Gross Operating Profit 17.3 18.0 18.0 13.5 0.0 17.9 75.8% Operating Revenue 18.1 18.7 19.7 16.0 1.4 21.3 75.5% Operating Expenses (-) 0.7 0.6 1.7 2.5 1.4 3.4 74.1% Expenses (-) 7.4 7.7 7.9 5.9 (0.0) 8.0 74.2% Net Business Profit 9.9 10.3 10.1 7.6 0.0 9.9 77.0% Ordinary Profit 10.0 10.3 10.1 7.6 0.0 9.9 77.0% Net Income 6.3 6.7 6.6 5.0 0.1 6.6 76.7% Reference: Credit Costs (-) (0.1) (0.0) 0.0 0.1 0.1 0.2 72.5% Income attributable to the FG from L&F (based on 85% ownership, after goodwill amortization, etc.) - - - 3.6 - 4.7 77.5% (¥ bn) Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Increased due to reclassification of the same borrowers
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27Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Strategic Investment in MILIZE Inc. (Equity-method Accounted Investment)
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 28Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Summary Company Name MILIZE Inc. Transaction scheme Business ⚫ AI and big-data solutions ⚫ Personal wealth management solutions ⚫ Financial & capital market solutions Transaction Overview Acquiring Entity Yokohama Financial Group, Inc. Transaction Date January 30, 2026 Scheme Acquisition of newly issued shares through third-party allotment and purchase from certain existing shareholders Regulation Yokohama Financial Group will submit a notification to the Japanese Financial Services Agency, seeking designation of MILIZE as a “Certain Advanced Banking Service Company” under Japanese banking regulations. Strategic Purposes ⚫ Strengthen competitiveness and create growth opportunities in AI and digital field ⚫ Benefit from MILIZE’s corporate value enhancement CET1 Impact ⚫ No material impact on the CET1 ratio of Yokohama Financial Group Notes ⚫ This transaction will not affect our decisions regarding share buyback plans ⚫ MILIZE remains committed to pursuing its IPO and is open to additional capital investments from other strategic investors Certain Existing Shareholders Share Purchase New Stock Issuance (JPY1.0bn) New Stock Issuance (JPY0.5bn)
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 29Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Company Profile of MILIZE Inc. Company Name MILIZE Inc. Establishment April 2009 Head Office CANAL GATE SHIBAURA Bldg., 4-12-38 Shibaura, Minato-ku, Tokyo, 108-0023 Representative President and Representative Director: Toru Tanaka Number of Employees 90 (as of June 2025) Strengths ⚫ Startup company specialized in FinTech and AI ⚫ Unique market position with dual expertise in finance and AI ⚫ Proven capabilities to develop a broad range of products and services Clients Banks, broker-dealers and insurance companies Overview Major Products Business Relationships with Yokohama Financial Group ⚫ 2021: Investment by the Bank of Yokohama’s CVC fund (JPY100mn) ⚫ 2022: Collaboration on in-app delivery of financial articles to support financial wellness ⚫ 2023: Development of a financial planning simulation tool ⚫ 2023: Development of an AI-based model to support corporate solutions sales ⚫ 2025: Development of a lifecycle-based financial planning tool for sales staff MILIZE delivers a broad range of services by integrating financial expertise, AI capabilities, and strong development expertise Since the CVC investment, MILIZE and Yokohama Financial Group have collaborated broadly Financial Wellness Fintech AI＆Digital Financial Engineering AI-based corporate sales script tool AI-driven financial planning advice Financial literacy assessment tool AI-based asset estimation model Market transaction management Basel compliance AI-driven market price forecasting tools Market Price Forecasting AI Financial planning simulation Robo-advisor on financial products Financial consulting platform Integrated AI agent platform
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 30Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Strategic Rationale ⚫ Strengthen customer solution engagement capabilities in partnership with MILIZE ⚫ Drive group-wide transformation through collaboration in AI and digital strategy ⚫ Digitalization and AI are driving more advanced operations and enhanced services ⚫ Financial institutions are actively accelerating AI investments Strategic Purpose Leverage MILIZE’s AI and app-development capabilities to strengthen and accelerate the Group’s competitiveness in the AI and digital field. (1) Strengthen competitiveness and create growth opportunities in AI and digital field Business Environment Support MILIZE’s path to an IPO and aim to benefit from its enhanced corporate value Approach (2) Benefit from MILIZE’s corporate value enhancement ⚫ Expand services and products jointly developed with MILIZE to other regional financial institutions
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31Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Reference Materials
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Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. 32Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025 Estimated Impacts of Policy Rate Changes on Gross Operating Income (excluding securities investment) +¥9.0 bn (approx.) +¥13.0 bn (approx.) FY25 Forecast +¥13.0 bn (approx.) +¥17.0 bn (approx.) Gross Operating Income ¥268.5 bn*1 Interest Factors Within +¥21.0 bn (approx.) Impact of Raising the Policy Rate (from 0.50% to 0.75%) Interest on current account deposits at the BOJ Deposit interest (－) Loan interest FY26 FY27 FY26 FY27 If the policy rate of 0.50% is maintained If the policy rate is raised to 0.75% in April 2026 Interest Rate Scenario for the Medium-Term Management Plan Trial Calculation Conditions for the Scenario "If the policy rate of 0.50% is maintained.” ・Calculated assuming a short-term prime rate of 2.25%, a JBA TIBOR 3M of 0.80%, and a TIBOR swap rate 5Y of 1.10%. ・The BOJ current accounts interest takes into account that the interest period of the special deposit interest facility will end in May 2026, as well as the impact of the reduction in balance due to the termination of the Fund-Provisioning Measure to Stimulate Bank Lending. Trial Calculation Conditions for the Scenario "If the policy rate is raised to 0.75% in April 2026.” ・Short-term prime rate, JBA TIBOR, and TIBOR swap rate for each maturity are +25bps above the assumptions for "If the policy rate of 0.50% is maintained" from April 2026 onwards. ・Deposit rates are expected to increase based on raised market interest rates. ・The trial calculation conditions for others are the same as the assumptions for "If the policy rate of 0.50% is maintained." Partial slide from “Information Meeting” material from Nov 21st, 2025 *1 Initial Forecast Increase in policy rate by 0.25% will have an impact of approximately ¥17.0 bn on gross operating income Impact of policy rate hike in December 2025 is limited in FY2025 ROE increase of about 1%
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These materials contain forward-looking statements with regard to the expectations, forecasts, targets, and plans of our group. These forward-looking statements are based on information currently available to us, and are set forth in these materials on the basis of the outlook at the time these materials were produced. In producing these forward-looking statements, certain assumptions (premises) have been used, which are subjective and may prove to be incorrect. Should any underlying assumption prove to be incorrect, actual future results may vary materially from some of the forward-looking statements in these materials. Underlying these circumstances are a large number of risks and uncertainties. Please see other disclosures and public filings that have been or will be made, including the Financial Summary reports, Annual Securities reports, and Integrated reports, for additional information regarding these risks and uncertainties. As mentioned above, the forward-looking statements contained in these materials are valid as of the date of these materials (or as otherwise specified therein), and we have no obligation or intent to update them. In addition, information on companies and other entities outside our group that is included in these materials has been obtained from publicly available information and other sources. The accuracy and appropriateness of that information has not been verified by us and cannot be guaranteed. Copyright © 2026 Yokohama Financial Group, Inc. All Rights Reserved. Yokohama Financial Group, Inc. Investor Presentation 3rd quarter of FY2025