Interim report
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Translation Notice : This document is a translation of a part of the original Japanese version and provided for reference purposes only . In the event of any discrepancy between the Japanese original and this English translation , the Japanese original shall prevail . Consolidated Financial Results for the Three Months Ended June 30 , 2026 ( Under Japanese GAAP ) Company name : Yamaguchi Financial Group , Inc. Stock exchange listing : Tokyo Code number : 8418 URL https://www.ymfg.co.jp Representative : Keisuke Mukunashi President and CEO For inquiry : Takashi Sasaki General Manager of Accounting Office , Corporate Planning Department Scheduled date to commence dividend payments : Trading accounts : Preparation of supplementary material on quarterly financial results : Schedule of quarterly financial results briefing session : Established Attached No ndards F FASF MEMBERSHIP August 7 , 2026 ( Amounts less than one million yen are rounded down ) 1. Consolidated financial results for the three months ended June 30 , 2026 ( from April 1 , 2026 to June 30 , 2026 ) ( 1 ) Consolidated operating results ( % indicates year - on - year changes ) Profit attributable to Three months ended June 30 , 2026 Three months ended June 30 , 2025 Note : Comprehensive income Three months ended June 30 , 2026 Three months ended June 30 , 2025 ( 2 ) Consolidated financial position Ordinary income Millions of yen % 73,229 28.5 56,986 2.7 Three months ended June 30 , 2026 : Three months ended June 30 , 2025 : Basic earnings per share Ordinary profit Millions of yen 20,014 13,461 ( 16.2 ) % 48.7 owners of parent Millions of yen % 14,149 46.4 9,666 ( 16.0 ) ¥ 33,980 million [ 70.8 % ] 19,899 million [ - % ] Diluted earnings per share Yen 69.48 Yen 69.47 45.81 45.81 As of June 30 , 2026 As of March 31 , 2026 Reference : Equity As of June 30 , Total assets Millions of yen Net assets Millions of yen Capital adequacy ratio % 13,064,373 13,180,464 687,239 670,231 5.2 5.1 2026 : ¥ 685,152 million ¥ 668,168 million As of March 31 , 2026 : Note : Capital adequacy ratio = ( Net assets - Share acquisition rights - Non - controlling interests ) / Total assets × 100 This ratio is not the capital adequacy ratio specified by the Notice on Capital Adequacy Ratio Regulations . 2. Dividends Fiscal year ended March 31 , 2026 Annual dividends per share 1st quarter - end 2nd quarter - end 3rd quarter - end Fiscal year - end Total Yen Yen 32.00 Yen Yen Yen 32.00 64.00 Fiscal year ending March 31 , 2027 Fiscal year ending March 31 , 2027 48.00 ( Forecast ) Note : Revision to the forecast for dividends announced most recently : No 48.00 96.00
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3. Consolidated financial results forecast for the fiscal year ending March 31, 2027(April 1, 2026 to March 31, 2027) (% indicates year-on-year changes) Ordinary profit Profit attributable to owners of parent Basic earnings per share Millions of yen % Millions of yen % Yen Six months ending September 30, 2026 30,500 14.1 20,000 (7.1) 98.53 Full year 67,500 49.9 45,000 36.3 222.05 Note: Revision to the financial results forecast announced most recently: No 4. Notes (1) Significant changes in the scope of consolidation during the three months ended June 30, 2026: No (2) Accounting policies adopted specially for the preparation of quarterly consolidated financial statements: No (3) Changes in accounting policies, changes in accounting estimates and retrospective restatement 1) Changes in accounting policies due to the revision of accounting standards: No 2) Changes in accounting policies other than 1) above: No 3) Changes in accounting estimates: No 4) Retrospective restatement: No (4) Number of issued shares (common shares) Total number of issued shares at the end of the period (including treasury shares) As of June 30, 2026 234,767,616 shares As of March 31, 2026 234,767,616 shares Number of treasury shares at the end of the period As of June 30, 2026 32,436,285 shares As of March 31, 2026 28,731,030 shares Average number of shares during the period Three months ended June 30, 2026 203,640,441 shares Three months ended June 30, 2025 210,985,472 shares * Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: No * Proper use of earnings forecasts, and other special matters. 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 depending on various future factors.
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- 1 - Table of contents 1.Quarterly Consolidated Financial Statements a nd Notes ······································································· 2 (1) Quarterly Consolidated Balance Sheets ·························································································· 2 (2) Quarterly Consolidated Statements of Income and Comprehensive Income ··············································· 4 (3) Notes to the Quarterly Consolidated Financial Statements ··································································· 6 (Segment Information) ············································································································· 6 (Notes for Material Changes in Shareholders’Equity) ············································································ 6 (Notes on Going Concern Assump tion) ··························································································· 6 (Notes on Quarterly Consolidated Statements of Cash Flows) ································································· 6 Yamaguchi Financial Group, Inc
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- 2 - 1.Quarterly Consolidated Financial Statements a nd Notes (1) Quarterly Consolidated Balance Sheets (Millions of yen) As of March 31, 2026 As of June 30, 2026 Assets Cash and due from banks 1,663,969 1,482,162 Call loans and bills bought 15,188 11,204 Monetary claims bought 1,971 1,928 Trading account assets 3,870 4,239 Money held in trust 43,845 43,005 Securities 2,046,320 2,131,939 Loans and bills discounted 8,940,977 8,986,871 Foreign exchanges 55,349 27,084 Lease receivables and investments in leases 29,134 28,994 Other assets 260,643 225,569 Tangible fixed assets 81,335 82,286 Intangible fixed assets 10,573 11,340 Retirement benefit asset 50,966 51,464 Deferred tax assets 1,092 702 Customers' liabilities for acceptances and guarantees 38,657 37,817 Allowance for loan losses (63,432) (62,238) Total assets 13,180,464 13,064,373 Liabilities Deposits 10,242,385 10,099,652 Negotiable certificates of deposit 975,778 781,359 Call money and bills sold 228,055 437,264 Cash collateral received for securities lent 85,097 55,731 Trading account liabilities 1,566 1,824 Borrowed money 690,595 690,129 Foreign exchanges 163 2,678 Bonds payable 47,400 47,400 Other liabilities 176,156 191,191 Provision for bonuses 3,995 2,011 Retirement benefit liability 2,528 2,557 Provision for retirement benefits for directors (and other officers) 6 4 Provision for loss on interest repayment 10 10 Provision for reimbursement of deposits 33 5 Provision for point card certificates 127 129 Provision for management board benefit trust 1,181 1,425 Provision for employee stock ownership plan trust 130 148 Reserves under special laws 19 15 Deferred tax liabilities 8,014 17,447 Deferred tax liabilities for land revaluation 8,328 8,328 Acceptances and guarantees 38,657 37,817 Total liabilities 12,510,232 12,377,133 Yamaguchi Financial Group, Inc
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- 3 - (Millions of yen) As of March 31, 2026 As of June 30, 2026 Net assets Share capital 50,000 50,000 Capital surplus 33,137 33,137 Retained earnings 584,826 592,340 Treasury shares (41,185) (51,522) Total shareholders' equity 626,779 623,955 Valuation difference on available-for-sale securities (1,549) 21,649 Deferred gains or losses on hedges 17,956 14,778 Revaluation reserve for land 18,076 18,076 Foreign currency translation adjustments (2) (1) Remeasurements of defined benefit plans 6,908 6,693 Total accumulated other comprehensive income 41,388 61,196 Share acquisition rights 23 23 Non-controlling interests 2,039 2,063 Total net assets 670,231 687,239 Total liabilities and net assets 13,180,464 13,064,373 Yamaguchi Financial Group, Inc
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- 4 - (2) Quarterly Consolidated Statements of Income and Comprehensive Income Quarterly Consolidated Statements of Income (Millions of yen) Three months ended June 30, 2025 Three months ended June 30, 2026 Ordinary income 56,986 73,229 Interest income 39,959 51,826 Interest on loans and discounts 29,027 34,359 Interest and dividends on securities 8,407 9,085 Fees and commissions 6,699 6,755 Gain on trading account transactions 61 189 Other ordinary income 6,500 4,542 Other income 3,764 9,916 Ordinary expenses 43,525 53,215 Interest expenses 13,888 12,548 Interest on deposits 5,978 8,216 Fees and commissions payments 2,595 2,713 Loss on trading account transactions 47 – Other ordinary expenses 8,931 19,614 General and administrative expenses 16,633 17,159 Other expenses 1,428 1,178 Ordinary profit 13,461 20,014 Extraordinary income 0 15 Gain on disposal of non-current assets 0 10 Reversal of reserve for financial instruments transaction liabilities – 4 Extraordinary losses 5 102 Loss on disposal of non-current assets 5 102 Impairment losses 0 – Profit before income taxes 13,455 19,927 Income taxes - current 2,832 5,058 Income taxes - deferred 928 696 Total income taxes 3,761 5,754 Profit 9,694 14,172 Profit attributable to non-controlling interests 28 23 Profit attributable to owners of parent 9,666 14,149 Yamaguchi Financial Group, Inc
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- 5 - Quarterly Consolidated Statements of Comprehensive Income (Millions of yen) Three months ended June 30, 2025 Three months ended June 30, 2026 Profit 9,694 14,172 Other comprehensive income 10,205 19,807 Valuation difference on available-for-sale securities 9,314 23,154 Deferred gains or losses on hedges 928 (3,177) Remeasurements of defined benefit plans, net of tax (18) (214) Share of other comprehensive income of entities accounted for using equity method (19) 45 Comprehensive income 19,899 33,980 Comprehensive income attributable to Comprehensive income attributable to owners of parent 19,871 33,957 Comprehensive income attributable to non- controlling interests 28 23 Yamaguchi Financial Group, Inc
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- 6 - (3) Notes to the Quarterly Consolidated Financial Statements (Segment Information) Segment information is om itted since the Group comprises of only one segment, which is defined as banking service. (Notes for Material Changes in Shareholders’Equity) In accordance with the resolutions at the m eetings of the Board of Directors held on November 26, 2025, and May 8, 2026, the Company acquired 3,706 thousands of tr easury shares during the three months ended June 30, 2026. As a result, treasury shares increased by ¥10,338 million to ¥51,522 million at the end of the first quarter of the fis cal year under review. (Notes on Going Concern Assump tion) None (Notes on Quarterly Consolidated Statements of Cash Flows) Quarterly consolidated statements of cash flows are not prepared for the three months ended June 30, 2026. Depreciation (including amortization of intangible fixed assets except for goodwill) and amortization of goodwill for the three months ended June 30, 2026 are as follows: Three months ended June 30, 2025 Three months ended June 30, 2026 Millions of yen Millions of yen Depreciation 1,095 1,250 Amortization of goodwill 12 － Yamaguchi Financial Group, Inc
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1. Statement of Income (1) Yamaguchi Financial Group(consolidated) Appx. 2 (2) Three banks total Appx. 3 (3) The Yamaguchi Bank Appx. 4 (4) Momiji Bank Appx. 5 (5) The Kitakyushu Bank Appx. 6 2. Balance of loans Appx. 7 3. Status of risk-mon itored loans and non-performing loans disclosed based on the Financial Rev italization Act Appx. 8 4. Balance of depos its (1) Balance of deposits, including negotiable certificates of deposit Appx. 9 (2) Balance of deposits by business entity Appx. 9 5. Balance of personal a ssets under custody Appx. 10 6. Valua tion gains and losses on securities Appx. 11 7. Capital adequacy ratio (1) Uniform international standard (Yamaguchi Financial Group(consolidated) and The Yamaguchi Bank) Appx. 12 (2) Domestic standard (Momiji Bank and The Kitakyushu Bank) Appx. 12 8. Quarterly Financial statements of the ba nks in the Group (1) Quarterly Balance Sheets Appx. 13 (2) Quarterly Statements of Income Appx. 14 In this document, amounts less than the unit stated are rounded down. Financial Results for the Three Months Ended June 30, 2026 - Supplementary Information - Table of Contents Yamaguchi Financial Group, Inc - Appx.1 -
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Ⅰ. Overview of the Financial Results for the Three Months Ended June 30, 2026 1. Statement of Income (1) Yamaguchi Financial Group(co nsolidated) (Unit: Millions of yen) Increase (Decrease) 73,229 16,243 56,986 A 28,477 695 27,782 Net interest income 39,319 13,226 26,093 Of which, interest on loans and discounts 34,359 5,332 29,027 10,225 3,136 7,089 Of which, interest and dividends on securities 9,085 678 8,407 Of which, gains (losses) on cancellation of investment trusts B 72 72 - Of which, interest on deposits with banks 2,816 494 2,322 C 9,371 9,132 239 Net fees and commissions 4,041 (63) 4,104 Net trading income 189 175 14 Net other business profit (15,072) (12,642) (2,430) 1,213 1,177 36 Of which, gains (losses) on bonds D (16,027) (13,846) (2,181) Of which, gains (losses) on financial derivatives (543) (39) (504) E 17,193 597 16,596 11,284 98 11,186 27,311 13,944 13,367 27,239 13,872 13,367 17,868 4,741 13,127 ① - - - 11,284 98 11,186 41 18 23 8,771 6,473 2,298 Of which, gains (losses) on stocks 7,928 6,702 1,226 Of which, disposal of non-performing loans (-) ② 68 (21) 89 Of which, gains on sale of non-performing loans ③ - - - ④ 1,193 288 905 Of which, recoveries of written off receivables ⑤ 0 (2) 2 20,014 6,553 13,461 30,500 (87) (82) (5) 19,927 6,472 13,455 5,754 1,993 3,761 14,172 4,478 9,694 23 (5) 28 14,149 4,483 9,666 20,000 (1,126) (308) (818) 8.38% 2.19% 6.19% 9.07% 2.82% 6.25% 49.03% (6.80%) 55.83% Note: 1. Consolidated gross business profits = (Interest income - Interest expenses) + (Fees and commissions - Fees and commissions payments + Trust fees) + (Gain on trading account transactions - Loss on trading account transactions) + (Other ordinary income - Other ordinary expenses) 2. Consolidated net business profit(before provision for general reserve for possible loan losses) =Consolidated gross business profit - Expenses (excluding non-recurring losses) 3. Consolidated core net business profit = Consolidated net business profit + Provision for general reserve for possible loan losses - Gains (losses) on bonds 4. Consolidated net business profit = Consolidated gross business profits - Expenses (excluding non-recurring losses) - Provision for general reserve for possible loan losses 5. Total income taxes = Income taxes-current + Income taxes-deferred 6. OHR= Expenses (excluding non-recurring losses) / (Consolidated gross business profit - Gains (losses) on cancellation of investment trusts - Gains (losses) on cancellation of interest rate swaps - Gains (losses) on bonds)x 100 OHR (E/(A-B-C-D)) Extraordinary gains (losses) Profit before income taxes Total income taxes (-) Profit Profit attributable to non-controlling interests Profit attributable to owners of parent Credit-related expenses (①+②-③-④-⑤ ) (-) Note: If the total of the general reserve for possible loan losses and the specific reserve for possible loan losses results in an excess reversal of provisions, the amounts are first reallocated to their respective accounts before calculating the total. ROE (based on net assets) ROE (based on shareholders' equ ity) Ordinary profit Of which, gains (losses) on foreign exchange transactions Expenses (excluding non-recurring losses) (-) Consolidated net business profit(before provision for general reserve for possible loan losses) Consolidated core net business profit Consolidated core net business profit(excluding gains (losses) on cancellation of investment trusts) Consolidated core net business profit (excluding gains (losses) on cancellation of investment trusts and cancellation of interest rate swaps) Provision for general reserve for possible loan losses (-) Consolidated net business profit Of which, costs corresponding to the management of money held in trust (-) Non-recurring gains (losses) Of which, gains on reversal of reserve for possible loan losses Of which, gains (losses) on cancellation of interest rate swaps Three months ended June 30, 2026 Three months ended June 30, 2025 Financial results forecast for the six months ending September 30,2026 Consolidated ordinary income Consolidated gross business profit Of which, interest on deposits (including interest on negotiable certificates of deposit) (-) Yamaguchi Financial Group, Inc - Appx.2 -
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(2) Three banks total (Unit: Millions of yen) Increase (Decrease) 70,807 22,725 48,082 26,467 1,010 25,457 Net interest income 39,751 13,297 26,454 Of which, interest on loans and discounts 34,606 5,422 29,184 10,231 3,134 7,097 Of which, interest and dividends on secur ities 9,065 675 8,390 Of which, gains (losses) on cancellation of investment trusts 72 72 - 2,817 496 2,321 9,371 9,132 239 Net fees and commissions 1,995 215 1,780 Net trading income 12 12 0 Net other business profit (15,292) (12,514) (2,778) 1,213 1,177 36 Of which, gains (losses) on bonds (16,027) (13,846) (2,181) Of which, gains (losses) on financial derivatives (389) 161 (550) 13,097 631 12,466 13,370 380 12,990 29,397 14,225 15,172 29,325 14,153 15,172 19,954 5,022 14,932 ① (284) (274) (10) 13,654 654 13,000 41 18 23 8,466 5,983 2,483 Of which, gains (losses) on stocks 7,930 6,701 1,229 Of which, disposal of non-performing loans (-) ② (645) 280 (925) Of which, gains on sale of non-performing loans ③ - - - ④ - - - Of which, recoveries of written off receivables ⑤ 0 (2) 2 22,079 6,618 15,461 35,200 (91) 1,005 (1,096) 21,987 7,622 14,365 5,245 1,745 3,500 16,742 5,878 10,864 24,700 (930) 8 (938) Credit-related expenses (①+②-③-④-⑤) (-) Note: If the total of the general reserve for possible loan losses and the specific reserve for possible loan losses results in an excess reversal of provisions, the amounts are reallocated to their respective accounts before totaling the amounts for the three banks. Extraordinary gains (losses) Profit before income taxes Total income taxes (-) Profit Ordinary profit Of which, gains (losses) on foreign exchange transactions Expenses (excluding non-recurring losses) (-) Net business profit(before provision for general reserve for possible loan losses) Core net business profit Core net business profit(excluding gains (losses) on cancellation of investment trusts) Core net business profit (excluding gains (losses) on cancellation of investment trusts and cancellation of interest rate swaps) Provision for general reserve for possible loan losses (-) Net business profit Of which, costs corresponding to the management of money held in trust (-) Non-recurring gains (losses) Of which, gains on reversal of reserve for possible loan losses Of which, gains (losses) on cancellation of interest rate swaps Three months ended June 30, 2026 Three months ended June 30, 2025 Financial results forecast for the six months ending September 30,2026 Ordinary income Gross business profit Of which, interest on deposits (including interest on negotiable certificates of deposit) (-) Of which, interest on deposits with banks Yamaguchi Financial Group, Inc - Appx.3 -
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(3) The Yamaguchi Bank (Unit: Millions of yen) Increase (Decrease) 39,221 8,858 30,363 A 15,102 336 14,766 Net interest income 18,405 2,469 15,936 Of which, interest on loans and discounts 20,776 2,899 17,877 5,883 1,672 4,211 Of which, interest and dividends on secur ities 6,426 923 5,503 Of which, gains (losses) on cancellation of investment trusts B 72 72 - 1,605 224 1,381 C (78) (317) 239 Net fees and commissions 1,350 (30) 1,380 Net trading income 12 12 0 Net other business profit (4,665) (2,114) (2,551) 704 830 (126) Of which, gains (losses) on bonds D (4,973) (3,041) (1,932) Of which, gains (losses) on financial derivatives (397) 95 (492) E 6,280 167 6,113 8,822 170 8,652 13,795 3,210 10,585 13,723 3,138 10,585 13,801 3,456 10,345 ① (152) (152) - 8,974 322 8,652 40 18 22 5,766 4,205 1,561 Of which, gains (losses) on stocks 6,251 5,193 1,058 Of which, disposal of non-performing loans (-) ② 238 211 27 Of which, gains on sale of non-performing loans ③ - - - ④ - (567) 567 Of which, recoveries of written off receivables ⑤ 0 (0) 0 14,700 4,509 10,191 24,000 (36) 521 (557) 14,663 5,029 9,634 4,072 1,672 2,400 10,591 3,357 7,234 17,200 85 626 (541) 8.94% 2.26% 6.68% 9.58% 2.78% 6.80% 31.27% (5.87%) 37.14% OHR (E/(A-B-C-D)) Total income taxes (-) Profit Credit-related expenses(①+②-③-④-⑤) (-) ROE (based on net assets) ROE (based on shareholders' e quity) Profit before income taxes Net business profit(before provision for general reserve for possible loan losses) Core net business profit Core net business profit(excluding gains (losses) on cancellation of investment trusts) Core net business profit (excluding gains (losses) on cancellation of investment trusts and cancellation of interest rate swaps) Provision for general reserve for possible loan losses (-) Net business profit Of which, costs corresponding to the management of money held in trust (-) Non-recurring gains (losses) Of which, gains on reversal of reserve for possible loan losses Ordinary profit Extraordinary gains (losses) Expenses (excluding non-recurring losses) (-) Three months ended June 30, 2026 Three months ended June 30, 2025 Financial results forecast for the six months ending September 30,2026 Ordinary income Gross business profit Of which, gains (losses) on cancellation of interest rate swaps Of which, gains (losses) on foreign exchange transactions Of which, interest on deposits (including interest on negotiable certificates of deposit) (-) Of which, interest on deposits with banks Yamaguchi Financial Group, Inc - Appx.4 -
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(4) Momiji Bank (Unit: Millions of yen) Increase (Decrease) 24,999 12,286 12,713 A 7,182 (294) 7,476 Net interest income 17,761 10,390 7,371 Of which, interest on loans and discounts 8,674 1,460 7,214 2,851 1,031 1,820 Of which, interest and dividends on secur ities 2,367 (227) 2,594 Of which, gains (losses) on cancellation of investment trusts B - - - 810 169 641 C 9,450 9,450 - Net fees and commissions 426 51 375 Net other business profit (11,005) (10,735) (270) 129 67 62 Of which, gains (losses) on bonds D (11,054) (10,806) (248) Of which, gains (losses) on financial derivatives 6 8 (2) E 4,481 189 4,292 2,701 (482) 3,183 13,755 10,323 3,432 13,755 10,323 3,432 4,305 873 3,432 ① - - - 2,701 (482) 3,183 110 2,137 1,910 227 Of which, gains (losses) on stocks 1,457 1,896 (439) Of which, disposal of non-performing loans (-) ② 35 6 29 Of which, gains on sale of non-performing loans ③ - - - ④ 619 50 569 Of which, recoveries of written off receivables ⑤ - - - 4,837 1,427 3,410 7,800 (37) 498 (535) 4,799 1,925 2,874 725 49 676 4,074 1,877 2,197 5,300 (583) (43) (540) 10.36% 4.31% 6.05% 10.46% 4.86% 5.60% 50.99% (4.57%) 55.56% OHR (E/(A-B-C-D)) Total income taxes (-) Profit Credit-related expenses(①+②-③-④-⑤) (-) ROE (based on net assets) ROE (based on shareholders' e quity) Profit before income taxes Net business profit(before provision for general reserve for possible loan losses) Core net business profit Core net business profit(excluding gains (losses) on cancellation of investment trusts) Core net business profit (excluding gains (losses) on cancellation of investment trusts and cancellation of interest rate swaps) Provision for general reserve for possible loan losses (-) Net business profit Of which, costs corresponding to the management of money held in trust (-) Non-recurring gains (losses) Of which, gains on reversal of reserve for possible loan losses Ordinary profit Extraordinary gains (losses) Expenses (excluding non-recurring losses) (-) Three months ended June 30, 2026 Three months ended June 30, 2025 Financial results forecast for the six months ending September 30,2026 Ordinary income Gross business profit Of which, gains (losses) on cancellation of interest rate swaps Of which, gains (losses) on foreign exchange transactions Of which, interest on deposits (including interest on negotiable certificates of deposit) (-) Of which, interest on deposits with banks Yamaguchi Financial Group, Inc - Appx.5 -
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(5) The Kitakyushu Ba nk (Unit: Millions of yen) Increase (Decrease) 7,642 1,499 6,143 A 4,182 968 3,214 Net interest income 3,584 438 3,146 Of which, interest on loans and discounts 5,155 1,063 4,092 1,496 432 1,064 Of which, interest and dividends on secur ities 270 (22) 292 Of which, interest on deposits with banks 400 102 298 Net fees and commissions 218 195 23 Net other business profit 379 335 44 379 279 100 Of which, gains (losses) on financial derivatives 0 55 (55) B 2,335 275 2,060 1,846 692 1,154 1,846 692 1,154 ① - (143) 143 1,846 835 1,011 695 (152) 847 Of which, gains (losses) on stocks 221 (389) 610 Of which, disposal of non-performing loans (-) ② 431 Of which, gai ns on sale of non-performing loans ③ - - - ④ 437 437 - Of which, recoveries of written off receivables ⑤ - (1) 1 2,542 684 1,858 3,400 (17) (14) (3) 2,524 669 1,855 447 25 422 2,077 645 1,432 2,200 (433) (576) 143 7.75% 2.13% 5.62% 9.34% 2.83% 6.51% 55.84% (8.25%) 64.09% ROE (based on net assets) OHR (B/A) Extraordinary gains (losses) Profit before income taxes Total income taxes (-) Profit Credit-related expenses ( ①+②-③-④-⑤) (-) ROE (based on shareholders' e quity) Ordinary profit Of which, gains (losses) on foreign exchange transactions Expenses (excluding non-recurring losses) (-) Net business profit(before provision for general reserve for possible loan losses) Core net business profit Provision for general reserve for possible loan losses (-) Net business profit Non-recurring gains (losses) Of which, gains on reversal of reserve for possible loan losses Of which, interest on deposits (including interest on negotiable certificates of deposit) (-) Gross business profit Three months ended June 30, 2026 Three months ended June 30, 2025 Financial results forecast for the six months ending September 30,2026 Ordinary income Yamaguchi Financial Group, Inc - Appx.6 -
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2. Balance of loans (Unit: One hundred millions of yen, %) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 Three banks total Total loan balance (a ll branches) 90,689 3,930 619 86,759 90,070 Total loan balance (domestic branches) 90,639 4,014 652 86,625 89,987 Personal loans 15,161 606 140 14,555 15,021 Of which, housing loans 14,191 619 136 13,572 14,055 Of which, other loans 969 (13) 3 982 966 90,034 3,976 1,986 86,058 88,048 The Yamaguchi Bank Total loan balance (a ll branches) 48,864 2,141 317 46,723 48,547 Total loan balance (domestic branches) 48,814 2,225 350 46,589 48,464 Personal loans 6,168 117 32 6,051 6,136 Of which, housing loans 5,657 120 26 5,537 5,631 Of which, other loans 510 (4) 6 514 504 48,500 2,185 1,047 46,315 47,453 Momiji Bank Total loan balan ce (all branches) 26,568 980 199 25,588 26,369 Total loan balance (domestic branches) 26,568 980 199 25,588 26,369 Personal loans 5,461 100 18 5,361 5,443 Of which, housing loans 5,203 97 18 5,106 5,185 Of which, other loans 257 3 (1) 254 258 26,361 903 419 25,458 25,942 The Kitakyushu Bank Total loan balance (a ll branches) 15,256 808 103 14,448 15,153 Total loan balance (domestic branches) 15,256 808 103 14,448 15,153 Personal loans 3,531 389 90 3,142 3,441 Of which, housing loans 3,330 402 92 2,928 3,238 Of which, other loans 201 (12) (2) 213 203 15,172 888 520 14,284 14,652 Note: The total loan balance (domestic branches) does not include the figures for overseas o ffices and offshore banking accounts. (Reference) Balance of loans to SMEs, etc. and Ratio of loans to SMEs, etc. (Unit: One hundred millions of yen, %) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 Three banks total Balance of loans to SMEs , etc. 55,199 1,833 (235) 53,366 55,434 Ratio of loans to SMEs, etc. 60.89 (0.71) (0.71) 61.60 61.60 The Yamaguchi Bank Balance of loans to SMEs , etc. 26,146 819 (316) 25,327 26,462 Ratio of loans to SMEs, etc. 53.56 (0.80) (1.04) 54.36 54.60 Momiji Bank Balan ce of loans to SMEs, etc. 16,883 348 (23) 16,535 16,906 Ratio of loans to SMEs, etc. 63.54 (1.08) (0.57) 64.62 64.11 The Kitakyushu Bank Balance of loans to SMEs , etc. 12,169 666 104 11,503 12,065 Ratio of loans to SMEs, etc. 79.76 0.14 0.14 79.62 79.62 Note: "SMEs" stands for Small and Medium-sized Enterprises. Average balance of total loans (all branches) As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 Average balance of total loans (all branches) Average balance of total loans (all branches) Average balance of total loans (all branches) Yamaguchi Financial Group, Inc - Appx.7 -
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3. Status of risk-monitored loans and non-performing loans disclosed based on the Financial Revitalization Act (Unit: One hundred mi llions of yen, %) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 Yamaguchi Financial 292 71 84 221 208 Group (consolidated) 993 (86) (46) 1,079 1,039 245 93 63 152 182 Loans past due thr ee months or more 0 (2) (5) 2 5 Restructured loans 244 94 68 150 176 1,531 78 101 1,453 1,430 Non-performing loan ra tio (A) / (B) 1.68 0.01 0.10 1.67 1.58 Normal assets 89,163 3,713 368 85,450 88,795 90,695 3,791 470 86,904 90,225 Three banks total 286 68 84 218 202 993 (86) (46) 1,079 1,039 245 93 63 152 182 Loans past due thr ee months or more 0 (2) (5) 2 5 Restructured loans 244 94 68 150 176 1,524 74 100 1,450 1,424 Non-performing loan ra tio (A) / (B) 1.66 0.01 0.10 1.65 1.56 Normal assets 89,992 3,764 531 86,228 89,461 91,517 3,839 631 87,678 90,886 The Yamaguchi Bank 143 78 79 65 64 455 (17) (15) 472 470 97 57 42 40 55 Loans past due thr ee months or more 0 (0) (1) 0 1 Restructured loans 96 57 42 39 54 696 118 107 578 589 Non-performing loan ra tio (A) / (B) 1.41 0.19 0.21 1.22 1.20 Normal assets 48,571 1,967 213 46,604 48,358 49,267 2,085 319 47,182 48,948 Momiji Bank 108 11 0 97 108 385 (64) (16) 449 401 103 29 15 74 88 Loans past due thr ee months or more 0 (1) 0 1 0 Restructured loans 102 29 14 73 88 596 (26) (1) 622 597 Non-performing loan ra tio (A) / (B) 2.23 (0.17) (0.02) 2.40 2.25 Normal assets 26,166 965 200 25,201 25,966 26,763 940 200 25,823 26,563 The Kitakyushu Bank 34 (21) 4 55 30 152 (4) (16) 156 168 44 7 6 37 38 Loans past due thr ee months or more 0 (0) (4) 0 4 Restructured loans 44 7 10 37 34 231 (18) (6) 249 237 Non-performing loan ra tio (A) / (B) 1.49 (0.21) (0.05) 1.70 1.54 Normal assets 15,255 833 118 14,422 15,137 15,487 815 113 14,672 15,374 Note: 1. Bankrupt and quasi-bankrupt loans are loans and quasi-loans against debtors who have fallen into bankruptcy due to certain reasons, including commencement of bankruptcy proceedings, commencement of reorganization proceedings, or submission of an application to start rehabilitation proceedings. 2. Doubtful loans are loans with a strong likelihood that loan principals cannot be recovered and interest cannot be received according to the contract because of difficulties in the financial conditions and business performance of debtors who are not yet legally bankrupt, excluding those loans classified as bankrupt and quasi-bankrupt loans. 3. Loans past due three months or more are loans for which principal or interest payments are more than three months overdue (calculated from the day following the contractual payment date), excluding those loans classified as bankrupt and quasi-bankrupt loans or doubtful loans. 4 .Restructured loans are loans whose terms have been modified by reducing or waiving interest, granting interest payment extensions, granting principal repayment extensions, forgiving debt, or otherwise providing some arrangements favorable to a debtor in connection with the debtor's business restructuring or to otherwise provide support, excluding those loans classified as bankrupt and quasi-bankrupt loans, doubtful loans or loans past due three months or more. Substandard loans As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 Bankrupt and quasi-bankrupt loans Doubtful loans Total (B) Subtotal (A) Total (B) Bankrupt and quasi-bankrupt loans Doubtful loans Substandard loans Subtotal (A) Total (B) Bankrupt and quasi-bankrupt loans Doubtful loans Substandard loans Subtotal (A) Doubtful loans Substandard loans Subtotal (A) Total (B) Bankrupt and quasi-bankrupt loans Doubtful loans Substandard loans Subtotal (A) Total (B) Bankrupt and quasi-bankrupt loans Yamaguchi Financial Group, Inc - Appx.8 -
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4. Balance of deposits (1) Balance of deposits, including negotiable certificates of deposit (Unit: One hundred millions of yen) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 Three banks total 109,123 (1,319) (3,283) 110,442 112,406 101,279 (2,536) (1,334) 103,815 102,613 7,843 1,216 (1,949) 6,627 9,792 109,623 (1,015) (578) 110,638 110,201 The Yamaguchi Bank 61,859 (820) (2,852) 62,679 64,711 55,981 (1,137) (840) 57,118 56,821 5,878 317 (2,011) 5,561 7,889 62,549 (954) (64) 63,503 62,613 Momiji Bank 33,666 (683) 386 34,349 33,280 33,606 (660) 385 34,266 33,221 59 (24) 1 83 58 33,494 169 (273) 33,325 33,767 The Kitakyushu Bank 13,597 184 (817) 13,413 14,414 11,691 (739) (879) 12,430 12,570 1,905 922 61 983 1,844 13,579 (231) (240) 13,810 13,819 (2) Balance of deposits by business entity (Unit: One hundred millions of yen) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 Three banks total Balance of depos its 101,275 (2,434) (1,318) 103,709 102,593 Individual deposits 65,927 (638) 280 66,565 65,647 Corporate deposits 28,781 (301) 519 29,082 28,262 6,566 (1,494) (2,118) 8,060 8,684 The Yamaguchi Bank Balan ce of deposits 55,977 (1,036) (824) 57,013 56,801 Individual deposits 36,865 (300) 318 37,165 36,547 Corporate deposits 14,376 (587) 406 14,963 13,970 4,735 (148) (1,549) 4,883 6,284 Momiji Bank Balance of deposits 33,606 (660) 385 34,266 33,221 Individual deposits 23,271 (311) (13) 23,582 23,284 Corporate deposits 8,873 101 303 8,772 8,570 1,461 (450) 94 1,911 1,367 The Kitakyushu Bank Balance of depos its 11,691 (739) (879) 12,430 12,570 Individual deposits 5,790 (28) (25) 5,818 5,815 Corporate deposits 5,531 184 (190) 5,347 5,721 369 (895) (663) 1,264 1,032 Note: The above figures are presented before inte r-office account adjustments. The balance of deposits does not include negotiable certificates of deposit or deposits at overs eas branches. As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 Deposits, including negotiable certificates of deposit (ending balance) Deposits Negotiable certificates of deposit Deposits, including negotiable certificates of deposit (average balance) As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 Deposits, including negotiable certificates of deposit (ending balance) Deposits Negotiable certificates of deposit Deposits, including negotiable certificates of deposit (average balance) Deposits, including negotiable certificates of deposit (ending balance) Deposits Negotiable certificates of deposit Deposits, including negotiable certificates of deposit (average balance) Others (public and financial ins titutions') Others (public and financial institutions') Deposits, including negotiable certificates of deposit (ending balance) Deposits Negotiable certificates of deposit Deposits, including negotiable certificates of deposit (average balance) Others (public and financial ins titutions') Others (public and financial institutions') Yamaguchi Financial Group, Inc - Appx.9 -
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5. Balance of personal assets under custody (Unit: One hundred millions of yen) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 Three banks total 6,224 886 317 5,338 5,907 Investment trusts 1,665 528 233 1,137 1,432 Public bonds 235 132 57 103 178 Insurance 4,324 227 27 4,097 4,297 The Yamaguchi Bank 3,361 474 166 2,887 3,195 Investment trusts 896 269 121 627 775 Public bonds 113 67 31 46 82 Insurance 2,351 138 14 2,213 2,337 Momiji Bank 2,372 302 109 2,070 2,263 Investment trusts 601 199 83 402 518 Public bonds 88 47 19 41 69 Insurance 1,682 57 7 1,625 1,675 The Kitakyushu Bank 490 109 43 381 447 Investment trusts 166 59 29 107 137 Public bonds 33 19 8 14 25 Insurance 290 32 6 258 284 Note: Investment trusts, public bonds, and insurance (pensi on insurance, whole-life insurance, etc., excl uding level premium insurance) are presented at market value, face value, and outstanding balance, resp ectively. (Unit: One hundred millions of yen) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 YM Securities Co., Ltd. 4,381 1,056 575 3,325 3,806 Investment trusts 2,145 459 303 1,686 1,842 Bonds 299 51 24 248 275 Stocks 1,684 507 219 1,177 1,465 Others 251 39 28 212 223 Note: The figures for YM S ecurities Co., Ltd. are based on market value , and those for Others include MRF , etc. Balance of assets under custody As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 Balance of assets under custody Balance of assets under custody Balance of assets under custody Balance of assets under custody As of June 30, 2026 As of March 31, 2026 As of June 30, 2025 Yamaguchi Financial Group, Inc - Appx.10 -
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6. Valuation gains and losses on securities (Unit: Millions of yen) Yamaguchi Financial Group (consolidated) As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 Valuation gains and losses Valuation gains and losses Valuation gains and losses Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 (39,962) (20,730) (4,011) 38 40,001 (19,232) 39 19,271 (35,951) 24 35,975 35,184 75,165 35,276 141,235 106,051 (39,981) 78,413 118,394 (92) 111,324 111,417 78,841 30,505 14,285 79,010 169 48,336 48,827 491 64,556 64,713 157 (93,359) (15,418) 4,515 71 93,430 (77,941) 341 78,283 (97,874) 7 97,882 Others 49,702 60,077 16,477 62,153 12,450 (10,375) 29,244 39,620 33,225 46,603 13,377 Of which, foreign bonds (10,249) 11,502 133 120 10,369 (21,751) 1,014 22,766 (10,382) 193 10,575 Total (4,778) 54,435 31,265 141,274 146,052 (59,213) 78,452 137,666 (36,043) 111,349 147,393 (Reference)Valuation gains and losses on interest rate swaps that apply hedge accounting to bonds and foreign bonds (Unit: Millions of yen) 21,107 24,277 25,200 (Unit: Millions of yen) The Yamaguchi Bank As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 Valuation gains and losses Valuation gains and losses Valuation gains and losses Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 (26,655) (13,619) (2,398) 2 26,658 (13,036) 8 13,044 (24,257) 2 24,260 27,352 38,241 14,091 93,638 66,286 (10,889) 56,458 67,347 13,261 78,247 64,986 49,147 13,830 4,187 49,187 40 35,317 35,573 256 44,960 45,000 39 (55,260) (9,724) (2,314) 12 55,273 (45,536) 310 45,846 (52,946) - 52,946 Others 33,466 34,135 12,219 44,438 10,972 (669) 20,574 21,244 21,247 33,247 11,999 Of which, foreign bonds (10,238) 2,505 139 120 10,359 (12,743) 323 13,067 (10,377) 193 10,570 Total 696 24,621 11,691 93,641 92,944 (23,925) 56,467 80,392 (10,995) 78,250 89,246 (Reference)Valuation gains and losses on interest rate swaps that apply hedge accounting to bonds and foreign bonds (Unit: Millions of yen) 14,554 13,517 12,281 (Unit: Millions of yen) Momiji Bank As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 Valuation gains and losses Valuation gains and losses Valuation gains and losses Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 (12,591) (6,761) (1,606) - 12,591 (5,830) - 5,830 (10,985) - 10,985 (12,431) 24,959 12,267 27,145 39,576 (37,390) 13,559 50,950 (24,698) 21,571 46,270 9,311 4,571 1,154 9,372 61 4,740 4,878 138 8,157 8,207 49 (37,978) (5,553) 6,856 58 38,037 (32,425) 11 32,436 (44,834) 7 44,842 Others 16,236 25,941 4,258 17,714 1,478 (9,705) 8,669 18,375 11,978 13,356 1,377 Of which, foreign bonds (10) 8,998 (5) - 10 (9, 008) 690 9,698 (5) - 5 Total (25,022) 18,198 10,662 27,145 52,168 (43,220) 13,559 56,780 (35,684) 21,571 57,255 (Reference)Valuation gains and losses on interest rate swaps that apply hedge accounting to bonds and foreign bonds (Unit: Millions of yen) 6,552 10,760 12,918 (Unit: Millions of yen) The Kitakyushu Bank As of June 30, 2026 As of June 30, 2025 As of March 31, 2026 Valuation gains and losses Valuation gains and losses Valuation gains and losses Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 (715) (349) (7) 36 752 (366) 30 397 (708) 21 729 19,713 11,586 8,640 19,833 119 8,127 8,164 36 11,073 11,167 93 19,833 11,726 8,666 19,833 - 8,107 8,144 36 11,167 11,167 - (119) (139) (26) - 119 20 20 - (93) - 93 Others - - - - - - - - - - - Total 18,997 11,236 8,632 19,869 872 7,761 8,195 433 10,365 11,189 823 (Reference)Hedge accounting is not applied to bonds. Valuation gains Valuation losses Valuation gains Valuation losses Valuation losses Valuation losses Valuation gains March 31, 2026 Valuation gains Valuation losses Valuation gains Valuation gains Valuation losses Valuation losses Valuation losses Valuation gains Valuation gains Valuation losses Held-to-maturity securities Valuation gains Valuation losses Stocks Bonds June 30, 2025 Valuation gains Valuation losses Bonds Held-to-maturity securities Available-for-sale securities Stocks June 30, 2025 Stocks June 30, 2026 June 30, 2025 Available-for-sale securities Bonds March 31, 2026 Available-for-sale securities Held-to-maturity securities Valuation gains Valuation losses Valuation gains June 30, 2026 March 31, 2026 Held-to-maturity securities Available-for-sale securities Stocks Bonds June 30, 2026 Yamaguchi Financial Group, Inc - Appx.11 -
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7. Capital adequacy ratio (1) Uniform international standard (Yamaguchi Financial Group(consolidated) and The Yamaguchi Bank) (Unit: One hundred millions of yen, %) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 (1) Total capital ratio 13.42 (0.20) 0.03 13.62 13.39 Of which, Tier 1 ratio 12.48 0.33 0.14 12.15 12.34 Of which, common equity Tier 1 (CET1) ra tio 12.48 0.33 0.14 12.15 12.34 (2) Total capital (①＋②) 6,892 223 190 6,669 6,702 ① Tier 1 capital 6,408 461 233 5,947 6,175 Of which, common equity Tier 1 (CET1) capital 6,408 461 233 5,947 6,175 Of which, other Tier 1 cap ital 0 0 0 0 0 ② Tier 2 capital 483 (239) (43) 722 526 (3) Risk-weighted assets 51,350 2,403 1,318 48,947 50,032 (4) Total required capital (3) x 8% 4,108 193 106 3,915 4,002 (Reference) Leverage ratio on a consolidated basis 5.45% (June 30, 2026) (Unit: One hundred millions of yen, %) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 (1) Total capital ratio 15.27 0.29 0.04 14.98 15.23 Of which, Tier 1 ratio 15.27 0.29 0.04 14.98 15.23 Of which, common equity Tier 1 (CET1) ra tio 15.27 0.29 0.04 14.98 15.23 (2) Total capital (①＋②) 4,541 385 169 4,156 4,372 ① Tier 1 capital 4,541 385 169 4,156 4,372 Of which, common equity Tier 1 (CET1) capital 4,541 385 169 4,156 4,372 Of which, other Tier 1 cap ital - - - - - ② Tier 2 capital 0 (0) (0) 0 0 (3) Risk-weighted assets 29,741 1,998 1,037 27,743 28,704 (4) Total required capital (3) x 8% 2,379 160 83 2,219 2,296 (Reference) Leverage ratio on a non-consolidated basis 6.80% (June 30, 2026) (2) Domestic standard (Mom iji Bank and The Kitakyushu Bank) (Unit: One hundred millions of yen, %) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 (1) Capital adequacy ratio 10.77 (0.10) 0.17 10.87 10.60 (2) Total capital 1,492 (14) 34 1,506 1,458 (3) Risk-weighted assets 13,853 (6) 92 13,859 13,761 (4) Total required capital (3) x 4% 554 (0) 4 554 550 (Unit: One hundred millions of yen, %) Increase (Decrease) from June 30, 2025 Increase (Decrease) from March 31, 2026 (1) Capital adequacy ratio 12.12 (1.38) 0.20 13.50 11.92 (2) Total capital 877 10 17 867 860 (3) Risk-weighted assets 7,235 811 24 6,424 7,211 (4) Total required capital (3) x 4% 289 33 1 256 288 Note: 1. The Company a pplied the Foundation Internal Ratings-Based A pproach to the calculation of credit risk-weighted assets. 2. Other information on capital including the composition of capital is disclosed on the Company's website. Three months ended June 30, 2026 Three months ended June 30, 2025 Fiscal year ended March 31, 2026 Three months ended June 30, 2026 Three months ended June 30, 2025 Fiscal year ended March 31, 2026 Three months ended June 30, 2026 Three months ended June 30, 2025 Fiscal year ended March 31, 2026 Yamaguchi Financial Group(consolidated) The Yamaguchi Bank Momiji Bank The Kitakyushu Bank Three months ended June 30, 2026 Three months ended June 30, 2025 Fiscal year ended March 31, 2026 Yamaguchi Financial Group, Inc - Appx.12 -
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8.Quarterly financial statements of the ba nks in the Group (1) Quarterly Balance Sheets (Unit: Millions of yen) The Yamaguchi Bank Momiji Bank The Kitakyushu Bank As of June 30, 2026 As of March 31, 2026 As of J une 30, 2026 As of March 31, 2026 As of J une 30, 2026 As of March 31, 2026 Assets Cash and due from banks 979,480 1,133,015 309,858 257,571 191,866 273,208 Call loans 55,825 61,101 9,256 8,793 － － Mone tary claims bought 1,928 1,971 － － － － Tra ding account assets 3,612 3,248 － － － － Tra ding securities － － 627 622 － － Mone y held in trust 38,435 39,263 729 1,728 － － Sec urities 1,394,674 1,339,527 675,151 653,677 53,565 44,542 Loans and bills discounted 4,886,464 4,854,777 2,656,834 2,636,905 1,525,692 1,515,347 Foreign exchanges 13,228 14,836 5,324 32,238 13,908 16,210 Other assets 117,894 122,413 67,015 87,009 12,773 21,284 Tangible fixed assets 41,447 41,116 32,719 32,269 18,324 18,205 Intangible fixed assets 4,514 4,213 2,861 2,690 1,322 1,196 Prepaid pension costs 26,172 25,644 13,791 13,559 1,697 1,667 Deferred tax assets － － 3,918 5,636 － － Customers' liabil ities for acceptances and guarantees 16,382 17,479 7,568 7,889 13,865 13,288 Allowance for loan losses (22,961) (22,903) (25,040) (25,659) (11,495) (11,932) Total assets 7,557,100 7,635,703 3,760,616 3,714,933 1,821,522 1,893,019 Liabilities Deposits 5,598,136 5,682,183 3,360,666 3,322,175 1,169,190 1,257,022 Negotiable certificates of deposit 587,800 788,958 5,970 5,870 190,589 184,450 Call money 232,264 23,055 － － 258,877 259,706 Cash collateral received for securities lent 55,731 85,097 － － － － Tra ding account liabilities 3,346 2,981 － － － － Borrow ed money 426,635 426,993 187,152 187,722 58,591 58,757 Foreign exchanges 5,606 8,053 2,415 14 34 31 Other liabilities 131,022 118,638 32,444 31,674 9,825 8,124 Provision for bonuses － 48 － 27 － 21 Provis ion for retirement benefits 221 216 － － 1,254 1,252 Provision for management board benef it trust 489 407 293 238 278 230 Provision for reimbursement of deposits 5 33 － － － － Provis ion for point card certificates 46 44 － － － － Def erred tax liabilities 12,901 8,028 － － 5,186 2,279 Deferred tax liabilities for land revaluation 4,867 4,867 4,098 4,098 3,461 3,461 Acceptances and guarantees 16,382 17,479 7,568 7,889 13,865 13,288 Total liabilities 7,075,457 7,167,089 3,600,609 3,559,711 1,711,156 1,788,626 Net assets Share capital 10,005 10,005 10,000 10,000 10,000 10,000 Capital surplus 430 430 27,049 30,381 － － Ret ained earnings 434,300 431,149 119,504 115,430 79,203 79,089 Total shareholders' equity 444,736 441,585 156,553 155,811 89,203 89,089 Valuation difference on available -for-sale securities 16,080 7,401 (8,505) (16,926) 13,594 7,734 Deferred gains or losses on hedges 10,318 9,118 4,451 8,828 － － Rev aluation reserve for land 10,508 10,508 7,507 7,507 7,568 7,568 Total Valua tion and transla tion adjustments 36,906 27,028 3,453 (590) 21,163 15,302 Total net assets 481,643 468,613 160,006 155,221 110,366 104,392 Total liabilities and net assets 7,557,100 7,635,703 3,760,616 3,714,933 1,821,522 1,893,019 Yamaguchi Financial Group, Inc - Appx.13 -
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(2) Quarterly Statements of Income (Unit: Millions of yen) The Yamaguchi Bank Momiji Bank The Kitakyushu Bank Three months ended June 30, 2026 Three months ended June 30, 2025 Three months ended June 30, 2026 Three months ended June 30, 2025 Three months ended June 30, 2026 Three months ended June 30, 2025 Ordinary income 39,221 30,363 24,999 12,713 7,642 6,143 Interest income 29,038 25,105 21,050 10,531 5,827 4,717 Of which, interest on loans and discounts 20,776 17,877 8,674 7,214 5,155 4,092 Of which, interest and dividends on securities 6,426 5,503 2,367 2,594 270 292 Fees and commissions 2,669 2,649 1,522 1,427 695 451 Gain on trading account transactions 12 1 － － － － Oth er ordinary income 713 233 136 66 379 100 Other income 6,786 2,373 2,289 687 740 874 Ordinary expenses 24,520 20,171 20,162 9,302 5,100 4,284 Interest expenses 10,673 9,190 3,289 3,161 2,243 1,571 Of which, interest on deposits 4,343 3,259 2,822 1,798 1,055 927 Fees and commissions payments 1,319 1,268 1,096 1,051 476 427 Loss on trading account transactions － 1 － － － － Othe r ordinary expenses 5,378 2,784 11,142 337 － 55 General and administrative expenses 6,130 6,160 4,485 4,242 2,369 2,074 Other expenses 1,018 765 147 509 11 154 Ordinary profit 14,700 10,191 4,837 3,410 2,542 1,858 Extraordinary income 10 － － － － － Ext raordinary losses 47 557 37 535 17 3 Profit before income taxes 14,663 9,634 4,799 2,874 2,524 1,855 Income taxes - current 3,709 1,329 854 812 319 586 Income taxes - deferred 363 1,070 (128) (135) 128 (164) Total income taxes 4,072 2,400 725 676 447 422 Profit 10,591 7,234 4,074 2,197 2,077 1,432 Yamaguchi Financial Group, Inc - Appx.14 -