Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — H1 FY2024 Earnings Presentation
11 slides from Hyakugo Bank's earnings presentation, January 2025
Slide 1: Appendix
Appendix QaaRs 36
Slide 2: Impact of Rising Yen Interest Rates
Appendix Impact of Rising Yen Interest Rates In the short term, deposit funding costs will increase first, but in the long term, interest income is expected to increase due to rising interest rates on loans Yen balance sheet Impact of a 0.50% increase in yen interest rates on (Bank’s non-consolidate
Slide 3: Deposits and Loans
Appendix Deposits and Loans Deposits (ending balance) (Million yen) Loans (ending balance) (Million yen) end of end of end of end of end of end of end of end of end of end of 3/21 3/22 3/23 3/24 9/24 3/21 3/22 3/23 3/24 9/24 Corporate Corporate sector deposits 1,140,057 1,148,376 1,172,626 1,269,046
Slide 4: Deposits (including negotiable certificates of deposit), Depository Assets
Appendix Deposits (including negotiable certificates of deposit), Depository Assets Hyakugo Securities (after excluding the Bank’s brokerage) Total deposits Mie Prefecture Aichi Prefecture Tokyo, Osaka Depository assets, Insurance Financial instrument brokerage Investment trusts (average balance) am
Slide 5: Loans
Appendix Loans Mie Aichi Tokyo, Total loans Prefecture Prefecture Osaka (average balance) (100 million yen) 49,482 Mie Aichi Tokyo, 47,333 Loans to SMEs Prefecture Prefecture Osaka 43,785 8,579 (average balance) 15,689 40,999 (100 million yen) 15,375 8,322 38,240 7,865 14,564 2,208 2,391 13,834 7,61
Slide 6: Integrated Risk Management
Appendix Integrated Risk Management Risk is kept within an appropriate range according to the Bank’s operating capabilities based on integrated risk management. Compared with core capital of 272.1 billion yen and allocable capital of 183.4 billion yen, actual amount of risk is 83.3 billion yen. (100
Slide 7: Outstanding Non-performing Loans by Disclosure Standard and Coverage
Appendix Outstanding Non-performing Loans by Disclosure Standard and Coverage Loans disclosed under the Financial Reconstruction Act and risk-managed claims (target: total credit exposure) Non-performing Loans under Internal Assessment Standard (target: total credit exposure) * Special attention loa
Slide 8: Trends of Debtor Classification
Appendix Trends of Debtor Classification Upper: Number of debtors / Lower: Credit exposure (Million yen) Debtor Classification as of September 30, 2024 Ratio of downgradi ng to Other under possible Upgrade Downgrade Under Possible Substantial Normal close Failure Other failure or control failure fai
Slide 9: Hyakugo Bank's Credit Policies
Appendix Hyakugo Bank’s Credit Policies Compliance of Hyakugo Credit Policy (September 30, 2024) (100 million yen) Classification Content Limit Compliance Loans for individuals engaging in 7% or less of total loans 3,470 1,981 4.00% housing leasing business Loans for other real estate industry 7% or
Slide 10: Mie Prefecture's Shares of Deposits and Loans
Appendix Mie Prefecture’s Shares of Deposits and Loans Deposits Loans Including megabanks Megabank Other Shinkin Bank A Hyakugo Bank Hyakugo Bank Bank A Shinkin Other Megabank Mie 9.1 9.1 11.2 24.6 46.0 Prefecture 40.1 28.2 11.0 16.1 4.6 * Excludes Agricultural Cooperative, Fisheries Cooperative, JP
Slide 11: Group Companies
Appendix Group Companies Enhancing the comprehensive strength of the entire Group Can provide integrated financial services. Think tank services Group companies work together for higher service Services for individual efficiency, while striving to secure further profits customers outside the Group.