Chugin Financial Group,inc. · TSE:5832
Chugin Financial Group,inc — H1 FY2025 Earnings Presentation
52 slides from Chugin Financial Group,inc's earnings presentation, March 2026
Slide 1: 1H FY2025 Earnings Results Briefing (References)
1H FY2025 Earnings Results Briefing (References) Our challenges build our future. Chugin Financial Group, Inc.
Slide 2: Table of Contents of References
Table of Contents of References Our challenges build our future. Chugin Financial Group, Inc. Economic Structure of Okayama Prefecture Management Indicators, etc. for Chugin Financial Group, Inc. 岡山県の経済規模 Economic Scale of Okayama Prefecture 4 利益総括表 Comprehensive Income Table 22 岡山県の産業構造 Industrial
Slide 3: Economic Structure of Okayama Prefecture
Economic Structure of Okayama Prefecture
Slide 4: Economic Scale of Okayama Prefecture
Economic Scale of Okayama Prefecture Our challenges build our future. Chugin Financial Group, Inc. Nationwide Items Results Rank Source Survey date share (%) Nationwide Survey on Area by Municipality Area 7,114 k㎡ 1.9 17 Jan. 2025 Population, Demographics, and Number of Population 1,835,000 1.5 20 J
Slide 5: Economic Scale of Okayama Prefecture (GDP by prefecture)
Economic Scale of Okayama Prefecture Our challenges build our future. Chugin Financial Group, Inc. Gross Domestic Product by Prefecture at (Trillion yen) 都道府県別名目県内総生産額と対前年増加率 (%) Current Prices and YoY Change 120 10 Gross prefectural domestic product at current prices (Left scale) 100 8 YoY growth (
Slide 6: Industrial Structure of Okayama Prefecture (1)
Industrial Structure of Okayama Prefecture (1) Our challenges build our future. Chugin Financial Group, Inc. Percentage mix of gross domestic product by economic activity Health and hygiene, Transport, postal service Education Other services Finance, insurance social welfare Professional/science Man
Slide 7: Industrial Structure of Okayama Prefecture (2)
Industrial Structure of Okayama Prefecture (2) Our challenges build our future. Chugin Financial Group, Inc. Proportion of incoming/outgoing transfer (net) of goods and services in gross prefectural domestic product (at current prices) (%) 20.0 Okayama 15.0 Hiroshima 10.0 5.0 Kagawa 0.0 2012 2013 20
Slide 8: Growth Infrastructure and Potential of Okayama Prefecture (1)
Growth Infrastructure and Potential of Okayama Prefecture (1) Our challenges build our future. Chugin Financial Group, Inc. Population and number of households of the Chugoku-Shikoku region (Persons, households) 鳥取県 Tottori 島根県 Shimane 岡山県 Okayama 広島県 Hiroshima 山口県 Yamaguchi 徳島県 Tokushima 香川県 Kagawa
Slide 9: Growth Infrastructure and Potential of Okayama Prefecture (2)
Growth Infrastructure and Potential of Okayama Prefecture (2) Our challenges build our future. Chugin Financial Group, Inc. Future population estimates of Okayama Prefecture (Thousand people) 2,500 Estimates 2,000 1,888 1,832 1,774 1,713 1,646 1,578 1,510 1,500 1,000 500 0 2020 2025 2030 2035 2040 2
Slide 10: Growth Infrastructure and Potential of Okayama Prefecture (3)
Growth Infrastructure and Potential of Okayama Prefecture (3) Our challenges build our future. Chugin Financial Group, Inc. Cross points of land transportation in Western Japan Two east-west highways and one north-south highway intersect within the prefecture. Yonago, Okayama, and Seto Chuo Chugoku
Slide 11: Growth Infrastructure and Potential of Okayama Prefecture (4)
Growth Infrastructure and Potential of Okayama Prefecture (4) Our challenges build our future. Chugin Financial Group, Inc. Freight forwarding volume in the Chugoku-Shikoku region (Million ton-km) 7,000 千 6,000 5,000 4,000 3,000 2,000 1,000 0 鳥取県 Tottori 島根県 Shimane 岡山県 Okayama 広島県 Hiroshima 山口県 Yam
Slide 12: Growth Infrastructure and Potential of Okayama Prefecture (5)
Growth Infrastructure and Potential of Okayama Prefecture (5) Our challenges build our future. Chugin Financial Group, Inc. High potential for renewable energy generation by taking advantage of the prefecture’s many sunny days Weather Okayama Prefecture is a “sunny prefecture” blessed with a mild *
Slide 13: Economic Conditions of Okayama Prefecture
Economic Conditions of Okayama Prefecture
Slide 14: Local Economic Trends (1)
Local Economic Trends (1) Our challenges build our future. Chugin Financial Group, Inc. The economy of Okayama Prefecture is gradually recovering despite downward pressure from rising prices. Simultaneous terrorist attacks in the U.S. COVID-19 transition to Category 5 Asian currency crisis Consumpti
Slide 15: Local Economic Trends (2)
Local Economic Trends (2) Our challenges build our future. Chugin Financial Group, Inc. Industrial production: Weakening due to concerns about economic slowdown in Asia [Industrial production index] (2020 indexed at 100; seasonally adjusted) 120 110 100 90 80 2020/1 2021/1 2022/1 2023/1 2024/1 2025/
Slide 16: Local Economic Trends (3)
Local Economic Trends (3) Our challenges build our future. Chugin Financial Group, Inc. Capital investment: Picking up mainly in the manufacturing industry [YoY change in capital investment] Okayama Nationwide (%) Manufacturing Non-manufacturing Total Manufacturing Non-manufacturing Total FY2022 res
Slide 17: Local Economic Trends (4)
Local Economic Trends (4) Our challenges build our future. Chugin Financial Group, Inc. Consumer spending: Gradually recovering despite downward pressure from rising prices. [Department store and supermarket sales (existing stores; YoY)] (%) 15 10 5 0 ▲−5 5 ▲−10 10 ▲−15 15 2020/1 2021/1 2022/1 2023/
Slide 18: Local Economic Trends (5)
Local Economic Trends (5) Our challenges build our future. Chugin Financial Group, Inc. [New passenger car registration (including light motor vehicles; YoY)] (%) 60 40 20 0 ▲−20 20 ▲−40 40 ▲−60 60 2020/1 2021/1 2022/1 2023/1 2024/1 2025/1 Source: Okayama Branch, Chugoku Transport & Tourism Bureau H
Slide 19: Local Economic Trends (6)
Local Economic Trends (6) Our challenges build our future. Chugin Financial Group, Inc. Employment situation: Gradually picking up despite signs of slowdown in some areas [Employment Index of Regular Workers] (2020 indexed at 100; seasonally adjusted) 110.0 100.0 90.0 2020/1 2021/1 2022/1 2023/1 202
Slide 20: Local Economic Trends (7)
Local Economic Trends (7) Our challenges build our future. Chugin Financial Group, Inc. Land prices: Gradually picking up [Official land price (YoY)] (%) 3.0 2.0 住宅地 Residential area 商業地 Commercial 1.0 area 0.0 ▲−1.0 1.0 ▲−2.0 2.0 ▲−3.0 3.0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Sour
Slide 21: Management Indicators, etc. for Chugin Financial Group, Inc.
Management Indicators, etc. for Chugin Financial Group, Inc. (Note) As the Company was established on October 3, 2022, there are no consolidated figures for FY2021 (and as of March 31, 2022). However, for reference purposes, the consolidated figures for FY2021 (or as of March 31, 2022) of the former
Slide 22: Summary of Earnings
Summary of Earnings Our challenges build our future. Chugin Financial Group, Inc. 【Consolidated】 FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 (Million yen) 1H 1H 1H 1H 1H Ordinary revenue 116,976 60,594 128,565 89,629 179,860 88,355 184,661 102,919 211,734 114,515 Banking re
Slide 23: Capital Adequacy Ratio
Capital Adequacy Ratio Our challenges build our future. Chugin Financial Group, Inc. 【Consolidated】（％,100 million yen） FY2021 1H FY2022 FY2022 1H FY2023 FY2023 1H FY2024 FY2024 1H FY2025 Overall capital adequacy ratio 13.83 12.76 12.87 12.20 14.05 13.67 12.89 14.23 Tier 1 ratio 13.57 12.50 12.64 11.
Slide 24: Capital Allocation and Integration Risks, etc.
Capital Allocation and Integration Risks, etc. Our challenges build our future. Chugin Financial Group, Inc. FY2025 plan and result 2025年度 FY2025 Allocation [Allocation source] (billion yen) （単位：億円） (billion yen) 配賦額 amount リスク量（2025年9月末） Risk amount (Sep. 30, 2025) Acceptable risk level Allocated c
Slide 25: Status of Group Companies
Status of Group Companies Our challenges build our future. Chugin Financial Group, Inc. Business line Effective equity FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （million yen,%） ratio 1H 1H 1H Ordinary income 17,461 5,558 12,080 8,037 14,715 7,106 The Chugin Lease Company, Leasing 100 Ordinary profit
Slide 26: Key Press Releases
Key Press Releases Our challenges build our future. Chugin Financial Group, Inc. 2025 April 8, 2025 [BK] Establishment of a “consultation desk” regarding additional US tariff measures, etc. April 10, 2025 [BK] Start of "Emergency Measures Loans (for Tariff Measures)" in response to additional tariff
Slide 27: Management Indicators, etc. for The Chugoku Bank
Management Indicators, etc. for The Chugoku Bank
Slide 28: Summary of Earnings (1)
Summary of Earnings (1) Our challenges build our future. Chugin Financial Group, Inc. 【Non-Consolidated】 FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 (Million yen) 1H 1H 1H 1H 1H Ordinary revenue 99,765 51,869 110,337 82,338 164,467 79,483 165,786 92,127 190,625 104,420 Bank
Slide 29: Summary of Earnings (2)
Summary of Earnings (2) Our challenges build our future. Chugin Financial Group, Inc. 【Non-consolidated】 FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （Million yen） 1H 1H 1H 1H 1H Bond-related gains/losses -552 -447 -2,949 -15,362 -19,778 -1,279 -776 -2,023 -2,829 -4,250 Gain
Slide 30: Breakdown of Ordinary Revenue
Breakdown of Ordinary Revenue Our challenges build our future. Chugin Financial Group, Inc. 【Non-consolidated】 FY2020 FY2021 FY2021 FY2022 FY20222 FY2023 FY2023 FY2024 FY2024 FY2025 （Million yen） 1H 1H 1H 1H 1H Ordinary revenue 99,765 51,869 110,337 82,338 164,467 79,483 165,786 92,127 190,625 104,4
Slide 31: Breakdown of Ordinary Expenses
Breakdown of Ordinary Expenses Our challenges build our future. Chugin Financial Group, Inc. 【Non-consolidated】 FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （Million yen） 1H 1H 1H 1H 1H Ordinary expenses 80,720 37,521 86,928 63,113 136,953 66,499 139,098 72,979 156,027 80,92
Slide 32: Breakdown of Expenses
Breakdown of Expenses Our challenges build our future. Chugin Financial Group, Inc. 【Non-consolidated】 FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （Million yen） 1H 1H 1H 1H 1H Expenses (1) 52,783 25,914 51,986 25,330 51,316 26,069 52,881 26,752 55,251 30,132 Personnel expen
Slide 33: Principal Returns
Principal Returns Our challenges build our future. Chugin Financial Group, Inc. 【Non-consolidated】 FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （％） 1H 1H 1H 1H 1H １．Interest-bearing asset yield 0.79 0.77 0.72 0.93 1.01 1.28 1.34 1.40 1.42 1.48 Loan yield 0.90 0.87 0.87 1.00
Slide 34: Major Accounts (Year-end Balance): Assets
Major Accounts (Year-end Balance):Assets Our challenges build our future. Chugin Financial Group, Inc. 【Non-consolidated】 FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H Total assets 91,226 98,542 101,779 96,609 98,034 102,655 107,083 106,047 11
Slide 35: Major Accounts (Year-end Balance): Liabilities and Net Assets
Our challenges build our future. Major Accounts (Year-end Balance):Liabilities and Net Assets Chugin Financial Group, Inc. 【Non-consolidated】 FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H Total liabilities and net assets 91,226 98,542 101,779
Slide 36: Major Accounts (Average Balance): Assets
Major Accounts (Average Balance):Assets Our challenges build our future. Chugin Financial Group, Inc. [Non-consolidated] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H Total assets 87,544 93,337 96,396 100,207 98,905 99,662 101,466 107,222 107,
Slide 37: Major Accounts (Average Balance): Liabilities and Net Assets
Our challenges build our future. Major Accounts (Average Balance):Liabilities and Net Assets Chugin Financial Group, Inc. [Non-consolidated] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H Total liabilities and net assets 87,544 93,337 96,396 10
Slide 38: Deposits (Year-end Balance)
Deposits (Year-end Balance) Our challenges build our future. Chugin Financial Group, Inc. [Non-consolidated] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H Okayama 57,260 57,259 59,388 59,035 61,020 60,583 62,206 60,613 62,279 62,334 Individual
Slide 39: Deposits (Average Balance)
Deposits (Average Balance) Our challenges build our future. Chugin Financial Group, Inc. [Non-consolidated] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H Okayama 54,653 57,468 57,668 59,824 59,671 60,664 60,581 61,539 61,437 63,093 Individuals
Slide 40: Loans (Year-end Balance)
Loans (Year-end Balance) Our challenges build our future. Chugin Financial Group, Inc. [Non-consolidated] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H General loans 46,663 46,792 48,087 49,577 51,155 53,364 57,763 58,429 61,170 61,711 Large c
Slide 41: Loans (Average Balance)
Loans (Average Balance) Our challenges build our future. Chugin Financial Group, Inc. [Non-consolidated] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H General loans 45,610 46,735 46,992 48,622 49,411 51,784 52,907 57,939 58,986 61,049 Local de
Slide 42: Loans by Industry (Year-end Balance)
Loans by Industry (Year-end Balance) Our challenges build our future. Chugin Financial Group, Inc. [Non-consolidated] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H Domestic branches 51,221 51,343 52,446 53,876 55,293 57,565 61,816 62,455 65,05
Slide 43: Loans by Industry (Composition Ratio)
Loans by Industry (Composition Ratio) Our challenges build our future. Chugin Financial Group, Inc. [Non-consolidated] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 1H 1H 1H 1H 1H Domestic branches 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% Manufact
Slide 44: Market Shares of Deposits
Market Shares of Deposits Our challenges build our future. Chugin Financial Group, Inc. [Year-end balance] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （％） 1H 1H 1H 1H 1H Okayama Chugoku Bank 50.3 50.4 51.1 51.2 51.7 51.4 51.3 50.5 51.4 51.5 Other banks 49.7 49.6 48.9 48.8 4
Slide 45: Market Share of Loans
Market Share of Loans Our challenges build our future. Chugin Financial Group, Inc. [Year-end balance] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （％） 1H 1H 1H 1H 1H Okayama Chugoku Bank 42.9 43.2 43.4 43.6 43.3 44.3 46.0 46.2 46.8 46.8 Other banks 57.1 56.8 56.6 56.4 56.7
Slide 46: Securities
Securities Our challenges build our future. Chugin Financial Group, Inc. [Non-consolidated] FY2020 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 （100 million yen） 1H 1H 1H 1H 1H Year-end balance 26,225 25,653 25,098 25,154 23,192 23,662 25,899 25,565 27,749 29,709 JGBs 7,565 6,762 6
Slide 47: Balance and Durations of Securities by Remaining Period
Balance and Durations of Securities by Remaining Period Outstanding balance by remaining period to maturity for yen-denominated Securities 10,000 1H FY2021 （100 million yen） 1H FY2022 9,000 1H FY2023 8,000 1H FY2024 1H FY2025 7,000 6,000 5,000 4,000 3,000 2,000 1,000 0 1year or less More than More t
Slide 48: Handling of Housing Loans
Handling of Housing Loans Our challenges build our future. Chugin Financial Group, Inc. [Loans executed by interest type (new houses + refinancing)] [Breakdown of use of loans executed]（％） 160 （100 million yen） Long-term fixed rate Refinancing, etc. 10-year fixed rate 5-year fixed rate 10.1 140 3-ye
Slide 49: Non-performing Loans
Non-performing Loans Our challenges build our future. Chugin Financial Group, Inc. Loans disclosed based on the Financial Reconstruction Act [Non-consolidated] End of End of End of End of End of End of End of End of End of End of （Million yen） Mar.2021 Sep.2021 Mar.2022 Sep.2022 Mar.2023 Sep.2023 Ma
Slide 50: Debtor Classification Transition in 1H
Debtor Classification Transition in 1H Our challenges build our future. Chugin Financial Group, Inc. (Upper level: Forecast Lower level: Value (100 million yen)) Favorable End of Sep 2025 Deterioration turnaround Other Virtually Legally Healthy Substandard Bankrupt Other doubtful loans bankrupt bank
Slide 51: Debtor Classification Transition in 1H (Composition)
Debtor Classification Transition in 1H (Composition) Our challenges build our future. Chugin Financial Group, Inc. (Upper level: Forecast Lower level: Value) Favorable End of Sep 2025 Deterioration turnaround Other Virtually Legally Healthy Substandard Bankrupt Other doubtful loans bankrupt bankrupt
Slide 52: Chugin Financial Group, Inc.
Our challenges build our future. Chugin Financial Group, Inc. For inquiries regarding this document, please contact: Management Planning Department, Chugin Financial Group, Inc. (Matsuo or Inoue) TEL: +81-86-234-6519 Email: souki01@chugin.jp
Chugin Financial Group — H1 FY2025 Earnings Presentation on 6ix