77 Bank, Ltd. · TSE:8341
77 Bank — The 77 Bank — H1 FY2010 Earnings Presentation
21 slides from 77 Bank's earnings presentation, December 2010
Slide 1: IR Presentation
IR Presentation Results for the First Half of Fiscal Year Ending March 31, 2010
Slide 2: Contents
Contents 1. Results for the first half of FY2010 3. Projected performance for FY2010 Summary of profits and losses ･･･････････ 1 Profits and losses ････････････････････ 14 Major accounts / interest rates / Major accounts / interest rates / interest margin ･･････････････････････････ 2 interest
Slide 3: Summary of profits and losses
1. Results for the first half of FY2010 Summary of profits and losses (JPN bn, %) YoY change First half First half Increase/ Rate of FY2009 FY2010 decrease change % Interest Interestincome income Gross operating income 42.8 39.9 (2.9) (6.8) Decrease Decreasedue duetotocuts cutsinininterest interestr
Slide 4: Major accounts / interest rates / interest margin
1. Results for the first half of FY2010 Major accounts / interest rates / interest margin Major accounts (average balances) Interest rates / interest margin (JPN bn, %) (%) First half First half YoY change First half First half YoY FY2009 FY2010 % FY2009 FY2010 change Loans and bills discounted
Slide 5: Credit-related expenses and credit disclosed under the Financial Reconstruction Law
1. Results for the first half of FY2010 Credit-related expenses and credit disclosed under the Financial Reconstruction Law Credits disclosed under the Financial Reconstruction Law Credit-related expenses (JPN bn) Loans to bankrupt and quasi-bankrupt loans Doubtful loans Substandard loans First Fi
Slide 6: Securities (1)
1. Results for the first half of FY2010 Securities (1) Balance of securities (JPN bn) (JPN bn) Gains (losses) from revaluation of securities 200.0 Others Gains Stocks End of Sep. Change from Corporate bonds, (losses) from 2009 Mar. 2009 Short-term corporate bonds revaluation Local gov. bonds Nation
Slide 7: Securities (2)
1. Results for the first half of FY2010 Securities (2) Securities portfolio Composition of written-off securities (JPN bn) (%) (JPN bn) (at the end of Sep. 2009) Others 30.0 450.0 Others Local gov. bonds 2,500.0 Stocks Corporate bonds Ongoing shift from Corporate bonds National gov. bonds Local gov.
Slide 8: Capital adequacy
1. Results for the first half of FY2010 Capital adequacy Management of risk capital (at the end of Sep. 2009) Capital adequacy ratio (at the end of Sep. 2009): 12.84% (change from the end of Mar. 2009: ±0.00) (JPN bn) Tier I ratio (at the end of Sep. 2009): 12.30% Tier I 304.0 (change from the e
Slide 9: Enhance promotion system (1)
2. Major management policies Enhance operating capabilities Enhance promotion system (1) Increase number of staff members in charge of external affairs at operation branches Effective reallocation of business resources Plan to increase number of staff members in charge of external affairs by 150 P
Slide 10: Enhance promotion system (2)
2. Major management policies Enhance operating capabilities Enhance promotion system (2) Establish optimum operation branch system and sales style to meet market and customer needs Area sales system Effective reallocation of business resources In Miyagi Prefecture The area sales system is in op
Slide 11: Enhance total deposits, loans and assets in custody (1)
2. Major management policies Enhance operating capabilities Enhance total deposits, loans and assets in custody (1) Increase corporate loans Loans (average balances) Increase loans to small- and medium-sized enterprises (JPN bn) 4,000.0 Loans for local government • Continue visits to customers b
Slide 12: Enhance total deposits, loans and assets in custody (2)
2. Major management policies Enhance operating capabilities Enhance total deposits, loans and assets in custody (2) Redouble efforts regarding housing loans Strengthen promotion of assets in custody • Hold presentation meetings for housing companies • Sell investment trusts and public bonds at an
Slide 13: Improve productivity
2. Major management policies Improve productivity Review costs Core OHR Activities of Expenditure Reduction Project Team Personnel Non-personnel Core gross Core OHR • Review underway of approximately 40 selected items (JPN bn) expenses expenses operating income (%) Optimization of IT investment
Slide 14: Contribute to regional economic growth (1)
2. Major management policies Contribute to stakeholders Contribute to regional economic growth (1) Major companies that are scheduled to begin Trends regarding the entry operations are included. Respond to changes in regional industrial structure of major companies into Information provided in pa
Slide 15: Contribute to regional economic growth (2); Improve customer satisfaction
2. Major management policies Contribute to stakeholders Contribute to regional economic growth (2) Increase efforts concerning agribusiness Increase efforts concerning business matching Major activities (FY 2010) Actual performance (FY 2010) • Joined the Miyagi Prefecture Branch of the Japan
Slide 16: Profits and losses (FY2010 plan)
3. Projected performance for FY2010 Profits and losses (JPN bn) FY2009 FY2010 Results Plan YoY change YoY change Gross operating income 78.0 (9.2) 80.1 2.1 [Core gross operating income] [ 86.0] [ (2.5)] [ 82.1] [ (3.9)] Interest income 76.2 (1.8) 71.9 (4.3) Fees and commissions 9.3 (0.8) 9.9 0.6 Gai
Slide 17: Major accounts / interest rates / interest margin
3. Projected performance for FY2010 Major accounts / interest rates / interest margin (JPN bn, %) FY2009 FY2010 Results Plan YoY change YoY change Loans and bills discounted 3,260.0 5.8 3,448.0 5.8 Major accounts (average Securities 1,930.7 (2.1) 1,785.7 (7.5) balances) Deposits and certificates of
Slide 18: Progress of the Medium-term Management Plan (1)
4. Progress in implementing the Medium-term Management Plan Progress of the Medium-term Management Plan (1) (Figures to be planned and reviewed annually ) I. Average balance of major accounts (JPN bn) FY2009 (Reference) Forecast at the beginning of the plan FY2010 Plan Result First half results FY20
Slide 19: Progress of the Medium-term Management Plan (2)
4. Progress in implementing the Medium-term Management Plan Progress of the Medium-term Management Plan (2) (Figures to be planned and reviewed annually ) III. Profits and losses (JPN bn, %) (Reference) Forecast at the beginning of the plan FY2009 FY2010 Results First half Plan results FY2010 FY2011
Slide 20: Outline of the Medium-term Management Plan
<Reference> Outline of the Medium-term Management Plan Outline of the Medium-term Management Plan Bank Image Sought by The 77 Bank “Best creative bank” that creates a new era together with the region Name Medium-term Management Plan: “SSS Improvement Plan: For the Creation of a New Era” “SSS” is
Slide 21: Projections do not guarantee future performance
Please note that the projections described in this document do not guarantee future performance. Future performance projections may differ from actual results due to uncertainty caused by factors such as changes in the business environment.