Iyogin Holdings (5830) investor relations material

Executive summary

• Achieved record-high profit attributable to owners of parent, driven by increased loan balances, higher interest margins, and reduced expenses.

• Consolidated ordinary income rose 14.8% year-over-year to ¥266,118 million, and ordinary profit increased 32.2% to ¥99,206 million.

• Profit attributable to owners of parent surged 39.3% year-over-year to ¥74,253 million.

Financial highlights

• Net interest and dividend income increased by ¥14,902 million year-over-year, supported by higher loan balances and improved interest margins.

• Consolidated core business net income jumped 64.9% to ¥67,640 million.

• Expenses decreased by ¥4,426 million, mainly due to lower nonpersonnel costs.

• Credit costs rose by ¥5,976 million, reflecting higher amortization of non-performing loans.

• Gain on securities increased by ¥3,711 million, with higher gains on sales of cross-shareholdings.

• Total assets grew to ¥9,539.8 billion, up ¥338.2 billion from the previous year.

• Net assets increased to ¥877.8 billion, up ¥75.1 billion year-over-year.

Outlook and guidance

• For fiscal year ending March 31, 2027, ordinary income is forecast at ¥270,000 million (+1.5% YoY), ordinary profit at ¥111,000 million (+11.9% YoY), and profit attributable to owners of parent at ¥77,000 million (+3.7% YoY).

• Annual dividend for fiscal 2027 is projected at ¥80 per share, up ¥20 from the previous year.