77 Bank, Ltd. · TSE:8341
77 Bank — The 77 Bank — FY2010 Earnings Presentation
21 slides from 77 Bank's earnings presentation, July 2010
Slide 1: IR Presentation: Results for Fiscal Year Ended March 31, 2010
IR Presentation Results for Fiscal Year Ended March 31, 2010
Slide 2: Contents
Contents 1. Results for FY2010 3. Projected performance for FY2011 Summary of profits and losses ------------- 1 Profits and losses ---------------------------- 15 Major accounts / interest rates / Major accounts / interest rates / interest margin ----------------------------------- 2 intere
Slide 3: Summary of profits and losses
1. Results for FY2010 Summary of profits and losses (JPY bn, %) YoY change FY2009 FY2010 Increase/ Rate of Interest Interestincome income decrease change % Decrease Decreasedue duetotocuts cutsininmarket market Gross operating income 78.0 77.8 (0.2) (0.3) interest interest rates resultingininfall ra
Slide 4: Major accounts / interest rates / interest margin
1. Results for FY2010 Major accounts / interest rates / interest margin Major accounts (average balances) Interest rates / interest margin (JPY bn, %) (%) YoY change YoY change FY2009 FY2010 FY2009 FY2010 % % point Loans and bills discounted 3,260.0 3,429.3 5.2 Loans and bills discounted 1.96 1.
Slide 5: Credit-related expenses and credit disclosed under the Financial Reconstruction Law
1. Results for FY2010 Credit-related expenses and credit disclosed under the Financial Reconstruction Law Credit-related expenses Credits disclosed under the Financial Reconstruction Law (JPY bn) FY2011 Loans to bankrupt and quasi-bankrupt loans FY2006 FY2007 FY2008 FY2009 FY2010 Doubtful loans Pl
Slide 6: Securities (1)
1. Results for FY2010 Securities (1) Balance of securities (JPY bn) Gains (losses) from revaluation of securities Gains Change (JPY bn) End of (losses) from the Others 116.5 129.8 Stocks Mar. 2010 from end of Mar. 150.0 Corporate bonds, revaluation 2009 Short-term corporate bonds Securities 1,932.
Slide 7: Securities (2)
1. Results for FY2010 Securities (2) Securities portfolio Composition of written-off securities (JPY bn) (%) 40.0 (at the end of Mar. 2010) 2,500.0 National gov. bonds Local gov. bonds Ongoing shift from (JPY bn) Corporate bonds Stocks Others Corporate bonds national gov. bonds to 450.0 Others Rate
Slide 8: Capital adequacy
1. Results for FY2010 Capital adequacy At the end of Mar. 2010 Management of risk capital (at the end of Mar. 2010) Non-consolidated capital adequacy ratio (JPY bn) 13. 13.04% 04% (YoY: +0.20) Tier I 310.3 Tier I ratio 12. 12.50% 50% (YoY: +0.15) Tier I ratio excluding tax effect High 10. 10.72% 7
Slide 9: Enhance operating capabilities: total deposits, loans and assets in custody (1)
2. Major management policies Enhance operating capabilities Further enhance total deposits, loans and assets in custody (1) Increase corporate loans Loans (average balances) Increase loans to small- and medium-sized enterprises (SMEs) Corporate loans (SMEs) Corporate loans (excl. SMEs) Consumer
Slide 10: Enhance operating capabilities: total deposits, loans and assets in custody (2)
2. Major management policies Enhance operating capabilities Further enhance total deposits, loans and assets in custody (2) I n c r e a s e h o u s i n g l o a n b a l a nStrengthen c e : Munsecured a i n t consumer a i n loans t h e g r o Measures for Promote taking over Promote business for em
Slide 11: Enhance operating capabilities: total deposits, loans and assets in custody (3)
2. Major management policies Enhance operating capabilities Further enhance total deposits, loans and assets in custody (3) • Practice proposal-type sales based on after sales Expand assets in custody Expand follow-ups Establish a sales system contact • Act to win business by targeting bond red
Slide 12: Enhance operating capabilities: Boost the promotion structure, upgrade relationships
2. Major management policies Enhance operating capabilities Boost the promotion structure Upgrade relationships Promote business with SMEs and win business from individuals Operation branch Continue to implement Strengthen business with Bring forward the plan to increase the number of th
Slide 13: Improve productivity
2. Major management policies Improve productivity Continue cost reduction Activities of Expenditure Reduction Project Team Core OHR (From July 2009 to March 2010) Personnel Non-personnel Core OHR Core gross Review of headquarters Expenditure (JPY bn) expenses expenses operating income (%) operatio
Slide 14: Contribute to stakeholders: regional economic growth (1)
2. Major management policies Contribute to stakeholders Contribute to regional economic growth (1) Support for doing business with companies that have Miyagi Prefecture opened offices in Miyagi Prefecture Attract companies to Miyagi Prefecture Holding jointly with Miyagi Prefecture seminars for au
Slide 15: Contribute to stakeholders: regional economic growth (2)
2. Major management policies Contribute to stakeholders Contribute to regional economic growth (2) Promote locally-focused financial services Increase efforts concerning agribusiness Promotion plan for locally-focused financial services (FY2011) Qualified as Farm Management Advisors Total 6
Slide 16: Contribute to stakeholders: Promotion of financial facilitation
2. Major management policies Contribute to stakeholders Promotion of financial facilitation Status of addressing loan restructuring, etc. Status of improving the structure for financial facilitation • Cumulative total as of the end of March 2010 after the SME Financial Facilitation Law came into
Slide 17: Profits and losses
3. Projected performance for FY2011 Profits and losses (JPY bn) FY2010 FY2011 (Results) YoY change (Plan) YoY change Gross operating income 77.8 (0.2) 83.7 5.9 [Core gross operating income] [ 82.0] [ (4.0)] [ 83.8] [ 1.8] Interest income 71.7 (4.5) 73.1 1.4 Fees and commissions 9.7 0.4 10.4 0.7 Gain
Slide 18: Major accounts / interest rates / interest margin
3. Projected performance for FY2011 Major accounts / interest rates / interest margin (JPY bn, %) FY2010 FY2011 (Results) YoY change (Plan) YoY change Loans and bills discounted 3,429.3 5.2 3,511.0 2.4 Major accounts (average Securities 1,794.5 (7.1) 1,931.0 7.6 balances) Deposits and certificates o
Slide 19: 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 (JPY bn) FY2009 FY2010 FY2011 Change from the Change from FY2012 Forecast Result Result Plan forecast at the
Slide 20: 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 (JPY bn, %) FY2009 FY2010 FY2011 Change from the Change from FY2012 Forecast Result Result Plan forecast at the FY2010 Pla
Slide 21: Translation notice and projections disclaimer
This is a Japanese-English translation of the presentation material for your convenience. In the case that there is any discrepancy between the Japanese and English versions, the Japanese version is assumed to be correct. Please note that the projections described in this document do not guarantee f