Business
77 Bank : Results for the Fiscal Year Ended March 31, 2025 (June 3, 2025)
77 Bank : Results for the Fiscal Year Ended March 31, 2025 (June 3,
About this update from 77 Bank, Ltd.
[{"type":"text","content":"\n \n Note: This document has been translated from the Japanese original for reference purposes only. In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.\n \n Results for the Fiscal Year Ended March 31, 2025\n IR Presentation\n \n Materials were prepared for the Bank's presentation of its results for the fiscal year ended\n \n \n March 31, 2025 held on June 3, 2025.\n \n June 3, 2025\n 01\n Achieved record-high profit for the fourth consecutive\n fiscal year, aiming to achieve new highs in FY2025\n IR Presentation Key Points\n ✔ Interest on loans and bills discounted, fees and commissions, and other income have increased to the highest levels ever thanks to consulting sales\n ✔ Aim for record-high profit again in FY2025, mainly through improved yields of loans and bills discounted\n 02\n Initiatives under \"Vision 2030\" to improve productivity\n ✔ Continue to improve income from customer services and core OHR by achieving top-line growth and controlling expenses\n ✔ Dramatically improve productivity while maintaining human capital investment and\n investment in systems\n 03\n Execute a simulation of FY2030 reflecting changes in\n financial policy and other factors\n ✔ Both profit and ROE are expected to rise, mainly due to net interest income, after reflecting changes in financial policy and other factors\n ✔ We plan to revise our financial targets under \"Vision 2030\" in FY2025 together with the mid-term review, including strategies for the future\n \n 1. Financial Summary\n \n \n ・・・\n \n \n 3\n \n \n 2. Projected Performance\n \n \n ・・・\n \n \n 14\n \n \n 3. The 77 Bank Group's Value Enhancement\n \n \n \n ・・・\n \n \n \n 19\n \n \n 4. Business Strategy\n \n \n ・・・\n \n \n 29\n \n Table of Contents\n 01\n \n \n Financial Summary\n \n Non-consolidated\n (Unit: JPY\n \n \n \n bn, %)\n \n \n \n FY2023\n \n \n \n FY2024\n \n \n YoY\n \n \n Amount\n \n \n change\n \n \n \n %\n \n \n Gross operating profit\n \n \n 80.1\n \n \n 85.6\n \n \n 5.5\n \n \n 6.8\n \n \n Net interest income\n \n \n 93.4\n \n \n 103.9\n \n \n 10.5\n \n \n 11.2\n \n \n Net fees and commissions income\n \n \n 13.0\n \n \n 14.5\n \n \n 1.5\n \n \n 11.9\n \n \n Net other operating income\n \n \n (26.3)\n \n \n (32.8)\n \n \n (6.5)\n \n \n Expenses\n \n \n 49.0\n \n \n 48.4\n \n \n (0.6)\n \n \...