Yamagata Bank, Ltd. · TSE:8344
Yamagata Bank — Investor Presentation (March 2020)
25 slides from Yamagata Bank's investor presentation, March 2020
Slide 1: 2020 sz trathA
2020 sz trathA BS if PPS LL $47
Slide 2: Contents
ROE AOE BCAALEOHS RNAS. VATS BARA ASS ABERDEBRR AROS AD SHAE SS ROHS BEMPTRREONYD FY—-F2 WBRAOKARORE WARS KO Wa HORA AUR WHROt BRA (1) WROD RAI (2) WHROP SRA (3) WahOF Serie RARRORR ON AU RWN PB o
Slide 3: Income statement summary
33 34 35 JAROHES CS #1 (407: BAF) 20158E 20164F 2017 20188 20198 EEE SAA AS 27,918 27,493 25,920 26,112 25,976 A 136 Prd 23,529 22,894 23,041 23,060 23,263 203 4SIBENS |S Fila 3,980 3,859 3,516 3,661 3,111 a 549 CORA ES 409 739 A 636 4 609 A 399 210 [DS RaSBS IRAs 551 1,000 4 508 a 437 220 657 EEE (
Slide 4: Yields and spreads, ROE
FOOTER (834i: %) 201545 20164 2017 2018 2019F ANCERELE Se A 1.21 1.10 1.05 1.03 1.02} «0.01 Aimer B 0.99 0.97 1.01 1.05 1.08 0.03 ASEARFE Cc 1.13 1.05 1.02 1.03 1.03 0.00 AESAE D 0.07 0.05 0.04 0.03 0.03 4 0.00 EER E 0.98 0.92 0.90 0.88 0.87} «0.01 ASS eo F=D+E 1.05 0.97 0.94 0.91 0.90 4 0.01 ASAIO
Slide 5: Average balances of loans and deposits
ACBAILROHE (RE U\-CA) ) (HAZ + %) 2015 2016 2017 2018S 2019 ACAAIR (HMA) 12.31 11.70 11.19 11.15 10.59 (847 : BAA) I? BACHSRRIAB (A) 129,059 132,391 135,248 138,003 139,196 PHEADUARSHRERA 125,430 129,222 132,372 134,771 135,935 IPRA ANS AAAS | BE 2,726 2,377 2,208 2,697 2,832 IP AACA SNS Lia 902 791
Slide 6: Securities portfolio
EI AWE, VAT SEMAHA (447: BAA. %) (47 : BAA. %) 201845 201955 S5UZ7 EBHE SUAT ME q ia # | 148,563 ( 8.70) 5,201 ( 21.56) ® iw # | 147,531 (8.57) 6,033 ( 25.23) a # wh 7,015 (0.41) 267 ( 1.11) g@ # ah 6,382 ( 0.37) 237 (0.99) a x 137 ( 0.01) - (+) i x 28 (0.00) - (+) SE GE WF ARE 383 (0.02) - (+) OSE
Slide 7: Income by category
(Ais XD all ies (Biz : BARA) 20154 20164 20174 20184 20194 pape AIZERELE BBEEFE 1,028 550 1,670 2,956 2,663 0.15% A 293 RARE 2,312 1,910 4,666 2,414 1,339 0.08% 4 1,075 TBE IC 12,525 12,587 9,971 12,322 12,595 0.72% 273 Bite 80,628 67,980 59,649 56,984 56,295 3.21% A 689 Besa 4,712 5,635 6,532 8,556
Slide 8: Loans by maturity and rate
(RISB AAA) ABAD eRAR <2018E> <20194FE> (HAT: 4) (HAT + 46) BERD KEK IEG nen: 4 BeBe TRAE | RARE KETC zor BIPYT | SYVIID IEMA 7,825 6,727 gl 8 15 10 5 969 129 EOWBLEBA 639 101 468 15 17 2 2 34 101 36 BeBe 44 i) 5 33 6 0 0 0 5 6 199 5 8 2 149 7 3 25 15 10 RABE 65 2 1 0 7 32 2 21 10 2 BET 28 0 0 0 1 0
Slide 9: Deposits
FAROE (NCDBRE) (tr : BAA. %) 20154 20164 20175 2018 2019 E B54 Paes B54 Paes B54 Paes B53 Pees B54 Paes CAL 2,076,500 1.91] 2,183,249 5.14] 2,209,410 1.20} 2,215,161 0.26] 2,269,022 2.43 ABA 1,487,285 2.33] 1,533,481 3.11] 1,552,595 1.25] 1,569,932 1.12] 1,601,136 1.99 AR A 442,485 4.58] 482,205 8.9
Slide 10: Fees and commissions
FAM Shae xis (FBN-Z) (07 : BARA) 2015 20164E 20174 2018%E 2019 80,555 73,698 65,584 64,075 49,596 20,631 17,999 14,601 17,553 22,235 ESP RIR 175,480 186,042 194,590 201,883 195,568 JaOSmAe AE 356,211 366,611 274,775 283,511 267,399 x AGpPRIAld, AMR Rese THES
Slide 11: Loans by borrower segment
BWEOHE (B47 : BHA. %) 2015 201645 201746 2018 20194 RS iz RE perce’ A eyes A ieee RE seals eens 1,593,372 7.71| 1,682,480 5.59| 1,735,529 3.15] 1,707,716] 1.60] 1,721,894 0.83 chy) SES 927,822 9.85] 1,016,360 9.54] 1,078,670 6.13] 1,096,985 1.70] 1,089,835] 0.65 ENic 4 468,066 6.08] 489,834 4.65| 49
Slide 12: Business strategy: FY2019 results
BRMPTRAEDNYFY—-F SBME NBE ABREOMIE ° RUBS FD 8 ERTS ACT AS AS21343, <ARSUEA ORO HAD O SRIBREASER, HESS SIR HERO, BISESTIE, BSA-MBASIZRC, SESIROI-ALADVEAR RIB CH O BRSIAOMRAIMEP ME MACESIEI SS BUST — PMS ea Cre O ASRS TESTAAMOR MENS, TATNE CML TRIES SLCC, SEM BSONS EAE => MITOATYERS|HOSS, 7OWVMOSMI A
Slide 13: Business strategy: FY2019 results
BRMPTRAEDNYFY—-F MOHIR18 ARISPUGSIRET IRR MIRA WSlAORMRI MIS PEM IR AO SARI 2017 186K 20194F BE 2017 2018 20195 Wt (36) 445 79 SPAS (FE) 186 316 350) SBTC HRN (56) 99 88 55 Meet (56) 3 15 15 ME2 AMRIEGCMEISCEt-ORMOMS LUO MBM Sat (96) 547 431 249 2017 20188 20194FH FemELEX (Il) 14 9 8 WGRIR19 M&A (EX
Slide 14: Business strategy: FY2019 results
BRMPTRAEDNYFY—-F cd RAS MOMIE © HET SADFY—I-- HGH2- 4, BIR23-42 <PEUBRIEAOMD RID O BARA CEBL CUSHENS|HDS5, M143 % 0 ie Bs at BIE Lc BS O Skste (GRAtHeSd) SRELTUSHRIACML, BEES eee O HUMES SIE ii TACO FPSB BSS BY [c => BNRAERED IES HME REL CUSSRS OW 74% Ost wD HFS (GFRSE41 55 + IRESEQ66H) / MEER ESTRE
Slide 15: Business strategy: FY2019 results
BRMPTRAEDNYFY—-F SSRMP TRE SRPMS BAO © MET SNDFY—7-- FHS, IRS -7-9-11, SRE1-6-7 <BR GCI AAO ROMAIR> O DMS (CLO BNF HMO RMP C SAAN FVCt SRB SR TEES KO SHRI FEC OME SETS O EBB RCBIS S41 B51 CARB (CE FBL, SRERREIC SS BRET REESE O HEIRS CIE O webShOSASI CORN BRROR MWS PL, ERR BUSRNMIZE—F4—- BHAA => BPM
Slide 16: Business strategy: FY2019 results
SRMPTMAEDNYFY—-F EDMONYFR-F @ iIR1-2, RA8-9-10 ISRO RK MIRIR1 SHNS/ SAAC HMO RT| AMOS SURO PRC OLR WLS i Be WIRES WAAR EWRBRIC BIS SERA N 2017 201846 20192FRE 2017 2018 2019 PARSISERK (56) 11,590] 10,524 9,448 eer, (FF) 64| 49 53 Site (96) 9,703 8,809) 7,908 SEIWAD RAEI FEEL (FF) 3] 1 3 Soin (50) 1,
Slide 17: Business strategy: FY2019 results
BRMPTRAEDNYFY—-F o NY FY—-9 pt B iE 3 +081 O MVE: BRERCHISHEALAAOMAREDMIOK (JI-FA-2) “ O ETERS ORS : LR EASE RR ICBC, BELLS DAAC O RFA : SRBFUZEC HST BLE 1LOO%LA LOR FOB 2 O RRA RAFIOMITHL<ik 7 METBLLBOVLA LOA O AAR : » SRIFAC Het MLL SOMABOK, MARRS HILO O MISAORSS : RISETHAE SUE, RIAA ORE, MRE SORN
Slide 18: Business strategy: FY2019 results
BRMPTRAEDNYFY—-F i = ES x SR 11 O BARS EE : EBB RECESS 31 B51 CGAL, PACH EREE CHREILICSE, REET - HR sein 1 4 O Wai-SanBR : ASE (QERROFE L161 EPR SAFES AE RAMMITE)_L CHESS SHB) de, ABSSUE, 4 RESGE, AISUIEA, ARPRRRSIRA, M&ASIE I, BH RMSIETE BHR AS O REE : HRIRIGIOVYI—-Ss SEK, BEAM SORBNEG, PIERRE ROR
Slide 19: Share price trend
LUZ RAORS EOE FARR P EMM TUSH, SHAR CERU TS > (8-5) WARAORB Res GREMASSO) me aS —O-AIeI AAR) (%) (%) 32,000 5 31,000 4 30,000 3 29,000 il 2 28,000 1 27,000 Hii 0 ii it LULL 26,000 Y iri ‘t al 25,000 a2 2016/1 4 7 10 2017/1 4 7 10 2018/1 4 7 10 2019/1 4 7 10 2020/1 (A) US : WARMER (B-MMTLUIZB ISR <7
Slide 20: Shareholder and share information
WFAZARES EOE BORSA RUE AB ER EStivg #8 LUZ (wean ‘8 20204 | kni 377,975 9,323 2.5 786 0.2 8.4 A aopiswestac | 20194 | A | 126,166,948] 1,077,057 0.9] 1,090,263 0.9 101.2 tH BM ausiserexem| 20194 | his 58,527,117 415,578 0.7 510,960 0.9 123.0 BARE 20162] (aA 5,368,508 40,398 0.8 53,662 1.0, 132.8 AGO
Slide 21: Reference data (1)
ZEROES AER (1) <ADBRR> <4 > <ai> 8 HAG SRT — erase ATE RLALG (IRED mente =e RE asl | Soc? wet cee tem | sine ore SOR eee ane | ante wx % Xx A | 20154=100 % % % % % BAA % 2015 1,123,891 40.84) &7,266| A 3,846 100.0 a49 A7.8 A 2.3 Aa1.8 A 32.5 60,193 11.2 20167 1,113,029 40.97) &7,316| & 3,546 103.8 3
Slide 22: Reference data (2)
WWUAZROE BR ABER (2) <{8L SNEED <AEEIRED> <1 SueI> <ASRED> ee, | WHERRLGH | DSSENEHEE] ...-. ?ke LAG 7 ea) | eies-2.1t-aeen | Gee ee macemire | ee AHURA Bl Cnet AVE ave AVE AVE ave BAA % B % A % P % m % BAR % 2015¢ 148,104 A0.2 41,654 410.5) 342,848 2.2 5,403 18.7] 408,954 415.3} 146,657 A 24.1 2016
Slide 23: Reference data (3)
WWAZROE BR ABER (3) <P HE> <fEAAIBSS> <4oKti> ra oi BR MER RRR ZBS SX HES Mise =a ROR He alli or-hao—is mee) | (SADLER) | GADLESSSERR) (UURETHBED Ball ai BIEL aie BIEL BELL BIEL t a BAA % {E 7K4 Yb] 2015¢F=100 %} 20154=100 %] 20154=100 % 20154 58 a4] 19,961 28.8 1.21 0.00 100.0 16 100.0 0.6 100.0 0.
Slide 24: Reference data
{lhethoO= Bea <AD SHES <A> <teeie> <FEFRIES> <ABLASER> : Lee ummm BORAGE | a mae warn eB HeLAC coin meaner |, SOME | mavens 2 as | O07 | wet amo tame) some EEN aeett averse avert Av % A A] 20154=100 % P % SG iea FA % 2015 1,082,185 0.83 697 2,297 100.0 41.3 9,394 A 15.8 1.44 0.09) 293,511 49.0 2016%
Slide 25: ESRGeR SSH EDI
4 30 ESRGeR SSH EDI IRAPOS «RAR ROR MELA (202046 A(t FiAl) FRICEMEL TUS» SefEh SR FIUADI OWES (AAT + %, A Yb) — ee — sme -.-28 2015/6 12 2016/6 Ss BASRA 12 2017/6 12 2018/6 12 2019/6 12 2020/6 2019 2020 | (Fill) 3A 6A 9A 12A 3A 6A BER 5 a2 5 a8 All) a2i Rise a2) 413 a4) ai7 a6 A28 to oF A 25 0 42255