[1]	The share split occurred and became effective on November 15, 2025 and earnings per share has been retrospectively adjusted. Refer to Note 28, Issued Capital and Reserves for details of share split.

Consolidated Statements of Cash Flows - JPY (¥) ¥ in Millions	12 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Mar. 31, 2024
Cash flows from (used in) operating activities
Profit before tax	¥ 79,945	¥ 34,961	¥ 11
Adjustments for:
Depreciation and amortization	25,482	21,391	18,591
Loss on disposal of property and equipment and intangible assets	1,338	696	1,495
Share-based payment expenses	1,847	0	0
Other income and costs	(1,517)	618	(1,552)
Changes in assets and liabilities:
Guarantee deposits	170,090	77,656	(39,594)
Call loans	22,986	53,083	(18,083)
Accounts receivable	(9,327)	(3,266)	50,350
Loans and advances to customers	(585,244)	(399,055)	(311,125)
Securities	(72,277)	(31,256)	(45,476)
Deposits	566,556	249,362	260,400
Accounts payable	173,856	145,558	130,744
Other financial assets	(7,005)	1,890	(4,204)
Other financial liabilities	13,393	2,327	9,759
Provisions	6	(1,864)	4,438
Other	6,865	10,030	(1,913)
Cash provided by operations	386,994	162,131	53,841
Income tax paid	(12,573)	(6,870)	(4,472)
Income tax refunded	876	588	606
Net cash provided by operating activities	375,297	155,849	49,975
Cash flows from (used in) investing activities
Purchases of securities	(779,962)	(463,314)	(437,408)
Proceeds from sales/redemption of securities	189,284	177,885	189,836
Purchases of property and equipment	(6,369)	(4,822)	(4,584)
Purchases of intangible assets	(17,823)	(17,264)	(17,911)
Proceeds from withdrawal of deposits with a related party	0	0	600,000
Payments of deposits with a related party	0	0	(600,000)
Payment for acquisition of subsidiaries	0	(5,759)	0
Purchase of investment accounted for using the equity method	(11,655)	(1,360)	0
Other	(2,302)	(5,343)	(3,316)
Net cash used in investing activities	(628,827)	(319,977)	(273,383)
Cash flows from (used in) financing activities
Net increase (decrease) in short-term borrowings	199,982	(128,700)	30,000
Proceeds from long-term borrowings	722,600	842,300	595,100
Repayments of long-term borrowings	(757,203)	(917,898)	(516,422)
Repayments of lease liabilities	(2,744)	(2,820)	(2,409)
Proceeds from issuance of new common shares	217,522	0	3,444
Payments for the purchase of the equity interest of subsidiaries, through business combinations of entities under common control	(130,185)	0	0
Dividends paid to non-controlling interests	(2,909)	(2,519)	(1,604)
Dividends paid to the ultimate parent company	(311)	(283)	(179)
Other	0	(405)	0
Net cash provided by (used in) financing activities	246,752	(210,325)	107,930
Effect of exchange rate changes on cash and cash equivalents	50	(59)	488
Decrease in cash and cash equivalents	(6,728)	(374,512)	(114,990)
Cash and cash equivalents at the beginning of the year	369,811	744,323	859,313
Cash and cash equivalents at the end of the year	¥ 363,083	¥ 369,811	¥ 744,323

Consolidated Statements of Financial Position - JPY (¥) ¥ in Millions	Mar. 31, 2026	Mar. 31, 2025
Assets
Cash and cash equivalents	¥ 363,083	¥ 369,811
Guarantee deposits	74,139	244,229
Call loans	40,014	63,000
Accounts receivable	150,372	141,054
Loans and advances to customers	2,512,851	1,927,607
Securities	1,736,835	1,075,748
Other financial assets	32,293	23,130
Property and equipment	14,879	14,493
Right-of-use assets	12,175	14,799
Intangible assets	66,466	65,672
Goodwill	15,157	15,157
Investments accounted for using equity method	12,762	1,012
Deferred tax assets	107,275	49,392
Other assets	37,711	37,001
Total assets	5,176,012	4,042,105
Liabilities
Deposits	2,952,495	2,385,939
Accounts payable	1,122,338	949,397
Income tax payables	13,073	6,477
Borrowings	564,956	399,578
Other financial liabilities	48,116	34,207
Provisions	7,403	7,041
Lease liabilities	9,549	12,097
Deferred tax liabilities	206	377
Other liabilities	27,115	23,261
Total liabilities	4,745,251	3,818,374
Shareholders' equity
Issued capital	200,635	91,434
Share premium	86,730	13,727
Accumulated deficit	109,869	(4,887)
Accumulated other comprehensive loss	(3,055)	(379)
Equity attributable to owners of the parent company	394,179	99,895
Non-controlling interests	36,582	123,836
Total shareholders' equity	430,761	223,731
Total liabilities and shareholders' equity	¥ 5,176,012	¥ 4,042,105