Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — Q2 FY3/2026 Earnings Presentation
5 slides from Hyakugo Bank's earnings presentation, Dec 1, 2025
Slide 1: Financial Highlights (Consolidated)
Financial Highlights (Consolidated) Summary of FY 3/2026 Q2 (Interim) Financial Results (Consolidated) (Million yen) FY 9/24 FY 9/25 YoY change (100 million yen) FY 9/24 FY 9/25 YoY change Gross operating income (1) 34,211 32,833 (1,378) Interest and dividend on securities 126 158 32 Interest income
Slide 2: Interest Income (Non-Consolidated)
Interest Income (Non-Consolidated) An increase in interest on loans and securities contributed to higher interest income of 15.9% year-on-year Factors underlying changes in interest income ■ Deposit-loan yields ■ Returns on securities (Head office and all branches) (Domestic) investments (Domestic)
Slide 3: Fees and Commissions (Non-Consolidated)
Fees and Commissions (Non-Consolidated) Fees and commissions decreased 18.6% year-on-year, mainly due to a decline in housing-loan-related fees Fees and commissions Major factors underlying YoY changes (Million yen) Corporate solutions Depository assets-related Housing-loan-related Other commissions
Slide 4: Expenses (Non-Consolidated)
Expenses (Non-Consolidated) Expenses increased 4.4% year-on-year, mainly due to base pay increases and IT-related investments Expenses ■ Core OHR (6.74)P (Million yen) Personnel expenses Non-personnel expenses Taxes +885 61.15% 60.65% 61.07% 58.22% 59.84% 54.33% 21,394 20,811 19,613 20,000 19,925 20
Slide 5: Credit Costs (Non-Consolidated)
Credit Costs (Non-Consolidated) Decrease in the provision of specific allowance for loan losses caused a 23.3% year-on-year decline in credit costs Credit costs (non-consolidated) ■ Non-performing loans ■ Non-performing coverage ratio loans ratio (Million yen) (0.02) P Provision of general allowance