Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — FY2024 Earnings Presentation
10 slides from Hyakugo Bank's earnings presentation, Jun 3, 2025
Slide 1: Appendix (Supplementary Materials for Financial Results)
Appendix (Supplementary Materials for Financial Results)
Slide 2: Impact of Rising Yen Interest Rates
Impact of Rising Yen Interest Rates SAAR FRONTIER BANKING balance sheet (bank’s non-consolidated basis) = Summary of yen balance sheet (as of March 31, 2025) [Loans linked to market interest rates] [Loans linked to short-term prime rate] These loans contribute to increased earnings from the first ye
Slide 3: Deposits (including negotiable certificates of deposit)
SAAR Deposits (including negotiable certificates of deposit) FRONTIER BANKING Total deposits (average balance) Corporate deposits (average balance) (100 million yen) u Mie Prefecture Aichi Prefecture =Tokyo, Osaka (100 mon yen) =Mie Prefecture "Aichi Prefecture = Tokyo, Osaka 11.649 12,339 12,443 12
Slide 4: Depository assets
SAAR Depository assets FRONTIER BANKING Contract amount of acquired depository assets Depository assets balance (incl. Hyakugo Securities) (incl. Hyakugo Securities) (100 million yen) (100 million yen) =lnvestment trusts Financial instrument brokerage = Investment trust balance Securities brokerage
Slide 5: Loans
= Loans Baa Ri Total loans (average balance) Housing loans (average balance) oe ili = Mie Prefecture = Aichi Prefecture =Tokyo, Osaka (100 million yen) = Mie Prefecture © Aichi Prefecture = Tokyo, Osaka (100 million yen) 23,174 20,895 Ratio of loans to SMEs to total loans (based -end balance; “SMEs”
Slide 6: Securities Investments
Securities Investments SAAR FRONTIER BANKING Securities balance (100 million yen) = Government bonds © Municipal bonds = Corporate bonds = Stocks slnvestment trusts = Foreign securities = Other <Breakdown of Foreign Securiies> (1) JPY-denominated foreign bonds 44.2 billon yen (2) Foreign-currency- d
Slide 7: Equity ratio
Equity ratio SAAR FRONTIER BANKING (100 million yen) endof end of 3/23 3/24 Equity capital (For equity ratio 2,595 2,682 2,749 calculation purposes) Risk assets 21,210 21,952 23,055 Equity ratio 12.23% 12.22% 11.92% Shareholders’ equity 2,934 3,011 3,123 Method of computing value-at-credit-risk asse
Slide 8: Integrated Risk Management
Integrated Risk Management Sank I Risk is kept within an appropriate range according to the Bank’s operating capabilities based on integrated risk management I Compared with core capital of 275.0 billion yen and allocable capital of 182.7 billion yen, actual amount of risk is 83.6 billion yen (100 m
Slide 9: Outstanding Non-performing Loans by Disclosure Standard and Coverage
Outstanding Non-performing Loans by Disclosure Standard and Coverage SAAR FRONTIER BANKING Non-performing Loans under Internal Assessment Standard (target: total credit exposure) Loans disclosed under the Financial Reconstruction Act and risk-managed claims (target: total credit exposure) *Special a
Slide 10: Loan Delinquent Balances & Default Rates
Loan Delinquent Balances & Default Rates SAAR FRONTIER BANKING Housing loan delinquency and default status @ Delinquent loan balance and rate mmm Deli | 0.25% Delinquent loan balance Delinquency rate 0.25% itil FY 3/16 FY 3/17 FY 3/18 FY 3/19 FY 3/20 FY 3/21 FY 3/22 FY 3/23 FY 3/24 FY 3/25 (Balance: