Acquiring Deposit Accounts and Strengthening Deposit Funding Capacity

「Total liabilities increased by ¥18,680 million from the end of the previous consolidated fiscal year to ¥7,707,426 million. This was primarily due to increases of ¥19,130 million in accounts payable, ¥12,664 million in interest-bearing liabilities and ¥34,032 million in other current liabilities, while deposits decreased by ¥46,197 million.」

「In yen deposits, in addition to conducting time-deposit campaigns, we strengthened in-branch promotion of the retirement allowance time deposit launched in February 2025 and applied preferential time-deposit interest rates when customers designated accounts for salary deposits, in response to growing customer demand for deposits. As a result, AEON Bank deposits expanded steadily to ¥5,464,167 million, up ¥262,534 million from the beginning of the period.」

「This was mainly due to increases of ¥307,580 million in deposits as use of the accounts for fund settlement expanded and ¥178,348 million in accounts payable as operating receivables expanded, while insurance contract liabilities decreased by ¥42,655 million due to the impact of excluding a subsidiary from the scope of consolidation following the separation of a business, among other factors.」

「As a result of these initiatives, mortgage origination volume was ¥557,913 million, or 99.9% of the previous fiscal year, and the balance of residential mortgage loans before securitisation of receivables was ¥2,907,135 million, up ¥92,810 million from the beginning of the period.」

「This was mainly due to increases of ¥128,637 million in accounts payable as card purchase transaction volume expanded and ¥327,635 million in deposits as use of the accounts for fund settlement expanded, while interest-bearing debt decreased by ¥68,206 million, among other factors.」

「During the current consolidated fiscal period, the number of deposit accounts at AEON Bank remained solid at 8.58 million, up 300,000 from the beginning of the period, while deposits stood at ¥4,539,372 million, up ¥139,656 million from the beginning of the period.」

「This was mainly due to increases of ¥31,171 million in accounts payable and ¥84,515 million in interest-bearing debt resulting from the expansion of operating receivables, as well as a ¥108,115 million increase in deposits as use of the accounts for fund settlement expanded, among other factors.」

「This was mainly due to a ¥30,078 million increase in deposits as use of the accounts for fund settlement expanded, among other factors.」

「Banking deposits increased by ¥154,020 million year on year to ¥4,332,565 million, while」

「Deposits increased by ¥159,878 million as use of the accounts for fund settlement expanded.」

「Banking deposits increased by ¥86,701 million year on year to ¥4,105,367 million, while borrowings increased by ¥66,027 million to ¥681,680 million.」

「Banking deposits increased by ¥78,946 million year on year to ¥4,097,612 million, while borrowings increased by ¥42,503 million to ¥658,157 million.」

「Deposits in the banking business increased by ¥10.918 billion to ¥4.029584 trillion, while borrowings increased by ¥96.113 billion to ¥711.766 billion.」

「Deposits in the banking business increased by ¥125.233 billion to ¥3.915473 trillion, while borrowings increased by ¥116.197 billion to ¥678.241 billion.」

「Deposits in the banking business increased by ¥148.361 billion to ¥3.938602 trillion, while borrowings increased by ¥113.370 billion to ¥675.414 billion.」

「Deposits in the banking business also increased by ¥30.855 billion to ¥3.821096 trillion, while borrowings increased by ¥101.191 billion to ¥663.234 billion.」

「Total liabilities increased by ¥516.920 billion from the end of the previous consolidated fiscal year to ¥5.322295 trillion. This was mainly due to a ¥321.106 billion increase in deposits resulting from stronger efforts to acquire ordinary deposit accounts, and a ¥207.954 billion increase in interest-bearing liabilities, primarily from the issuance of ¥180 billion in corporate bonds, as funding functions were consolidated at the company.」

「Deposits in the banking business also increased by ¥309.603 billion to ¥3.778738 trillion, while borrowings increased by ¥109.049 billion to ¥653.872 billion.」

「Deposits in the banking business also increased by ¥165.871 billion to ¥3.635005 trillion, while borrowings increased by ¥99.473 billion to ¥644.296 billion.」

「Deposits in the banking business increased by ¥88.074 billion to ¥3.557208 trillion, while borrowings increased by ¥154.053 billion to ¥698.876 billion.」

「Total liabilities increased by ¥478.461 billion from the end of the previous consolidated fiscal year to ¥4.893523 trillion. This was mainly due to a ¥419.401 billion increase in deposits resulting from stronger efforts to acquire ordinary deposit accounts.」

「Deposits also increased by ¥406.841 billion to ¥3.456574 trillion, while borrowings increased by ¥21.586 billion to ¥560.979 billion.」

「Deposits also increased by ¥270.517 billion to ¥3.320250 trillion, while borrowings increased by ¥5.068 billion to ¥544.462 billion.」

「Deposits also increased by ¥160.039 billion to ¥3.209772 trillion, while borrowings decreased by ¥27.825 billion to ¥511.567 billion.」

「This was mainly due to a ¥406.762 billion increase in loans resulting from the expansion of card cash advances funded by growth in cash and deposits through stronger efforts to acquire ordinary deposit accounts, as well as a ¥112.438 billion increase in installment receivables resulting from higher card purchase volume.」

「Deposits also increased by ¥272.178 billion to ¥2.814269 trillion.」

「Deposits also increased by ¥150.565 billion to ¥2.692655 trillion.」

「This was mainly due to a ¥190.906 billion increase in loans resulting from the expansion of card cash advances funded by growth in cash and deposits through stronger efforts to acquire ordinary deposit accounts, as well as a ¥159.806 billion increase in installment receivables resulting from higher card purchase volume.」

「We will acquire deposit accounts and strengthen our deposit funding base by attracting new younger and senior customers through the issuance of branded debit cards and other initiatives.」