Yamagata Bank, Ltd. · TSE:8344
Yamagata Bank — FY2023 Earnings Presentation
18 slides from Yamagata Bank's earnings presentation, March 2024
Slide 1: 2024年度 会社説明 資料編
20247F/S sz trahA BS if PPS LL $47
Slide 2: Contents
ROE AOE BCAALEOHS RNAS. VATS BARA ASS ABERDEBRR AROS AD SHAE SS RnPOHS WRAOKAR ORS WARS SO Wa th OAR WHROt RRA (1) WHROT BRA (2) WROD RRA (3) WahOF SAAR RAPGRORR ON AU RWN PB oO
Slide 3: Income statement summary
32) 33 34) 35 FAROE C3) (air : BAF) 201945 20204 2021 2022 202346 RESIE Ped 25,976 25,574 27,202 24,294 17,595 A 6,698 Eee 23,263 23,740 26,951 28,387 28,874 486 BEANS SARE 3,111 3,012 3,431 3,355 3,700 345, COnSA a 399 41,179 A 3,181 a 7,448 A 14,979 ‘7,530 Sas Raat 220 A 764 A 2,614 A 5,802 A 11,2
Slide 4: Yield and profitability indicators
AO OHERS (BAZ + %) 20194 2020438 202148 2022438 202348 ACEI Bue A 1.02 0.97 0.94 0.98 1.00 0.02 Alar B 1.08 0.95 1.14 1.42 1.57 0.15 BEAD Cc 1.03 0.95 0.90 1.08 1.14 0.06 FAS SFI] D 0.03 0.02 0.02 0.08 0.09 0.01 EE E 0.87 0.80 0.76 0.70 0.69 40.01 AES ih F=D+E 0.90 0.82 0.78 0.78 0.78 0.00 BEH2FlwO
Slide 5: Capital adequacy ratio
BCBAILBOIS Ge CO-BAR) (HAT: %) 201926 20202 20215 20225 2023S ACRAIC (HA) 10.59 10.34 9,94 10.25 9.90 (4iz : BAF) IP AAC HORHAB (A) 139,196 141,333 142,939 144,731 144,470 BANISH ERA 135,935 137,856 139,251 141,471 142,099 IPRA ACNS— HAE SE 2,832 3,189 3,496 3,166 2,371 IWBACBAcnS tit S ee 428 287 1
Slide 6: Securities and risk-weighted assets
ERE, VAT SEMAEEA (447: BAA. %) (47 : BAA. %) eeniem ue UZ0 SEHR Keeani ue UR7 EEaHERA J 6 x | 146626 (8.14)| 4,199 ( 18.95)| | @ x | 156,402 (8.02)| 4,315 ( 20.84) a OR 5,630 (0.31)] 1589 (717)| | @ # OR 5,232 (0.27)| 1,676 ( 8.09) ” # 18 ( 0.00) - ¢ -)] | am # 15 ( 0.00) - (+) e-RGR- OAR 277 (0.02)
Slide 7: Credit-related costs and loan classification
(Ais XD all ees (7 : BAR) 2019% | 20208 | 202148 | 202248 | 202348 papet TERRELL BRKT 2,663 1,732 1,273 1,390 2,111 0.10% 721 RABE 1,339 3,860 1,423 1,236 1,667 0.08% 431 TREES: 12,595 11,668 11,557 11,521 10,244 0.51% A 1,277 Bret 56,295 57,689 56,692 57,267 43,989 2.21%| 13,278 Beene 9,831 8,720 9
Slide 8: Loan breakdown by category
(SB ABAN-Z) BRAD EBAR <20234F3AR> asi <4) <202443AR> ese +) fips KRD Fe TERA etek Be TBREAG emt, SYIPIT | SYDIIY TERS 6,748 6,045 86 5 9 9 3 591 112 COWES 491 97 344 11 9 2 4 24 97 26 Bea 86 3 14 56 6 1 3 3 17 10 BRE 174 13 5 3 124 10 8 11 21 18 RET 45 1 0 0 2 26 0 16 3 0 TES 23 1 0 ) 0) 0) 11 11 1
Slide 9: Deposits
FAEOHES (NCDERE) (HAT : BR, %) 2019F = 20202F 202147 202247 20234 RK iB ARR SBE AS SBE ARR pepe RR ta BES 2,269,022 2.43] 2,581,043 13.75] 2,709,490 4.98] 2,748,306 1.43] 2,776,390 1.02 A 1,601,136 1.99] 1,724,973 7.73| 1,793,781 3.99] 1,845,536 2.89] 1,881,604 1.95 ABBA 478,711 2.18] 568,318 18.72]
Slide 10: Assets under management
FAO Shae ies (RIRA-A) (B47: BBP) 2019 20204 20214 20224 20234 editietin 49,596 57,959 67,013 68,872 85,838 DHE 22,235 24,589 23,193 33,190 30,635 Hapalr 195,568 195,913 200,887 201,478 218,531 JANOSRAR Aa 267,399 278,461 291,093 303,540 335,004 SARIS, SW RIVRRERL THDET
Slide 11: Loans by sector
BWEOHE (447 | BAA. %) 2019 2020 2021 2022 202348 RE Hei RK Bi) Sg RG tee RR Hee RK Hes CAME 1,721,894 0.83} 1,748,110 1.52] 1,716,804] a 1.79] 1,801,193 4.92] 1,950,655 8.30 chi PseS 1,089,835] 0.65] 1,128,209 3.52| 1,124,557| 40.32] 1,119,107] 0.48] 1,163,412 3.96 CDW 494,941] 41.73} 535,423 8.18]
Slide 12: Loan and deposit balance trends
LUAZIRAO FASE OTE <A, SMWRCOCHALE CSE DAE HSL CHS > (SF) a Ss (285 y 72,000 UBRAORS kes GRMIRESD) D 70,000 mA —O-Aiit (4BR) 10 68,000 66,000 64,000 62,000 60,000 58,000 56,000 2019/6 10 2020/2 6 10 -2021/2 6 10 2022/26 10 2023/26 10 (ARR) (aF8) , emuineee wo 34,000 WZIR AOR 33,000 mm SRS —-O-AIEIL (
Slide 13: Securities holdings by type
LUAZR BS COME Th ORA RUE s-1=| IR | Biz 4H LUAZUR (har e100] uw=100 Oia 2024 | kn 377,957 9,323 2.5 786 0.2 8.4 # A ort eiest) 2023 Xx 124,351,877} 1,026,228 0.8) 1,097,814 0.9 107.0 th fe MX usiaerecem| 20234 | His 60,266,318 421,275 0.7 537,584 0.9} 127.6 BARA 202148] (A 5,536,398 42,825 0.8 50,54
Slide 14: Regional economic data (1)
WIR OES ABER (1) <ADBRR> <4 > <Si> Bl ifstAO ULCER — base AA (Rise) AB AtiweR Bye. . Aall pane 3 BUC | AABDAR | tteenak | aR SS s ue 16 eae BAG BUELL rw % Xx A | 2020%=100 % % % % % BAA % 20205 1,068,027 41.06 48,916) A 3,187 100.0 a6.5 41.6 12.5 417.8 A 2.0 69,585 0.2 2021 1,054,729 41.25) 410,018}
Slide 15: Regional economic data (2)
WWAZROE BR ABER (2) < {BL ASNEE> <AEEIRED> <i> <ASURED> ee, | SHERRLGH | DSEENEHSE | eee LAGE 7" wea) | eve-a1-men | Ge en macemrra | eee AS UREA Bl Ceeeny ate ate AVE AVE ave BAA % a % A % P % mi % BAR % 20204 140,669 A355 38,496 411.4) 330,042 A3.8 5,005 4 13.0} 405,164 4 8.9} 183,000 A76 2021 139
Slide 16: Regional economic data (3)
WWAZROE SR ABER (3) <P HE> <fEFAIBSS> <i> rag BPR MEE BARRE ZBSSiK HEA Ms ail BORER PUAeae ovr imme | (SUM Ease) | (S.ADLESEBERR (Ret -#E) Asll aI aI LE ae ANE LE, BIEL BIEL tag tF BAR % {Si 7K4 Yb] 2020¢F= 100 %| 2020%=100 %| 2020%=100 % 2020%F 38 a 10 7,065 & 37.7 1.15) «0.39 100.0 A0.9 100.0 A 3.
Slide 17: Regional economic data (4)
{lhetho= Bea <ADBHIE> <teE> <eeIMe> < FFB <IBLASNEE> 7 —_ = #EtAD aii weceerra |, SOME | mseienmnraset 2 asl | 20) wet amoe tame) som BEN ante arse anette oN % Ne AX |2015%=100 % FP % Gi ricean A % 2020%- 1,096,704 0.59| A 1,288 3,160 96.9 46.6 8,527 A 21.7 1.36 A 0.48} 285,393 A 4.3 2021 1,097,237
Slide 18: Share price and trading data
20 10 410 a 20 - 30 a 40 a 50 Paka S20 HERDI AARON EARROR RRL, INEOBA ay PMRRORMUICTS CT, BUSH, IPE Cb» (202446 Alt Ff) 2019/6 12 2020/6 Bs: BART 12 2021/6 12 2022/6 12 2023/6 12 2024/65 SERFIMDIOHES Al=I ULF] (BEL 965 RDN) 20234 2024% | (FR) 3A 6A 9A 12A 3A 6A BEX 1 a7) all a2 415 a7 BSS 8} a2) a6