Amended Securities Report - 118th Fiscal Period (2025/04/01 - 2026/03/31)

Minaminihon Financial Group, Inc. Amended Securities Report - 118th Fiscal Period (2025/04/01 - 2026/03/31)

This report is an amended securities report submitted by Minaminihon Financial Group, Inc. (hereinafter referred to as "the Bank") pursuant to the Financial Instruments and Exchange Act, providing corrected and additional disclosures regarding the Bank's financial performance, financial position, and cash flows for the 118th fiscal period (April 1, 2025 to March 31, 2026).

As a regional financial institution rooted in its community, the Bank operates primarily in Kyushu, with a strong presence in Kagoshima and Miyazaki Prefectures. It offers a wide range of financial services to individual and corporate customers, including deposits, loans, foreign exchange, investment trusts, and insurance agency services. This amended filing is made due to identified inaccuracies and omissions in previously disclosed financial figures and notes in the original securities report, aiming to ensure accuracy and transparency in financial reporting.

Key corrections include the insufficient disclosure of accounting policies related to loan loss provisions as of the end of the 117th fiscal period, as well as additional disclosures regarding transactions with certain affiliated companies. These adjustments have resulted in minor changes to net income and net assets for the relevant period; however, they do not materially affect the Bank's overall financial foundation or stability.

Furthermore, this report includes a revised assessment of risk factors, providing more detailed explanations on potential impacts from changes in domestic and international economic conditions, interest rate fluctuations, foreign exchange volatility, credit risk, market risk, business continuity risks, and cybersecurity threats.

The Bank remains committed to strict compliance with laws and regulations and will continue to promote timely, accurate, and transparent disclosure to maintain and strengthen trust with shareholders, investors, and the local community.