San Ju San Financial group lifts targets, expands shareholder benefits

San Ju San Financial Group reported robust financial performance for the six months ended September 30, 2025, with ordinary income increasing by 24.0% to JPY 44,723 million and profit attributable to owners of parent rising by 16.2% to JPY 5,674 million. Total assets reached JPY 4,555,028 million, marking a 4.8% equity-to-asset ratio. These results led the company to revise its Third Medium-Term Management Plan targets upwards, now aiming for an ROE of 6% or more, profit of JPY 13.5 billion, a core OHR of less than 65%, and a capital adequacy ratio of around 8.6% by March 2027.

In conjunction with the improved financial outlook, the company also expanded its shareholder benefits program, effective March 31, 2026. Shareholders holding 300 to less than 500 shares for over one year will now receive a QUO card worth JPY 1,000. Those with 500 to less than 1,000 shares will receive a JPY 1,000 QUO card plus a JPY 4,000 gift catalog, and shareholders with 1,000 or more shares will get a JPY 1,000 QUO card and an JPY 8,000 gift catalog. The interim dividend for the period ended September 30, 2025, is JPY 64.00 per share, with an anticipated annual dividend of JPY 128.00 per share.