Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — H1 FY3/2024 Earnings Presentation
13 slides from Hyakugo Bank's earnings presentation, November 2023
Slide 1: Outline of Financial Position
Outline of Financial Position
Slide 2: Summary of Financial Results
Outline of Financial Position Summary of Financial Results Interim net income increased 6.5% year-on-year due to an increase in interest income and a decrease in credit costs (100 million yen) YoY (Million yen) FY 9/22 FY 9/23 Year-on- change FY 9/22 FY 9/23 year Gross operating income (1) 27,832 28
Slide 3: Interest Income
Outline of Financial Position Interest Income An increase in interest on loans and securities contributes to higher interest income of 21.1% year-on-year (Million yen) FY 9/22 FY 9/23 YoY Factors underlying changes in net interest income change (Million yen) <All branches (domestic and international
Slide 4: Fees and Commissions
Outline of Financial Position Fees and Commissions Fees and commissions fell 0.5% year-on-year, mainly due to an increase in insurance premiums paid resulting from an increase in housing loans (Million yen) YoY Fees and commissions graph (non-consolidated) (Million yen) FY 9/22 FY 9/23 Corporate sol
Slide 5: Expenses
Outline of Financial Position Expenses Expenses grew 0.9% year-on-year due to increases in personnel and non-personnel expenses (Million yen) Expenses and core OHR YoY (Million yen) Taxes Non-personnel expenses Personnel expenses FY 9/22 FY 9/23 change OHR (core gross operating profit basis) Expense
Slide 6: Credit Costs (nonperforming loans ratio)
Outline of Financial Position Credit Costs (nonperforming loans ratio) Decrease in the provision of specific allowance for loan losses caused a year-on-year decrease in credit costs (Million yen) YoY Credit costs (non-consolidated) (Million yen) FY 9/22 FY 9/23 Other Provision of specific allowance
Slide 7: Deposits (including negotiable certificates of deposit)
Outline of Financial Position Deposits (including negotiable certificates of deposit) Individual deposits and corporate deposits remained strong, with total deposits up 1.9% year-on-year (100 million yen) (100 million yen) YoY Total deposits (average balance) FY 3/23 FY 9/23 change 60,304 Tokyo, Osa
Slide 8: Loans
Outline of Financial Position Loans Loans increased 6.2% year-on-year, mainly due to an increase in loans to individuals, such as housing loans, and loans to small and medium-sized businesses (100 million yen) YoY Total loans (average balance) (100 million yen) FY 3/23 FY 9/23 change Tokyo, Osaka Ai
Slide 9: Securities Investments
Outline of Financial Position Securities Investments Valuation gains (losses) on securities increased, mainly in stocks (100 million yen) end of 3/23 end of 9/23 YoY change Securities balance Government Municipal Corporate Stocks bonds bonds bonds Securities balance 14,019 14,581 561 (100 million ye
Slide 10: Equity Ratio
Outline of Financial Position Equity Ratio Equity ratio rose 0.04 points from the end of the previous fiscal year due to an increase in equity capital resulting from profit recognition, etc. Equity capital, shareholders’ equity, and equity ratio (100 million yen) (100 million yen) Equity capital Sha
Slide 11: FY 3/2024 Forecasts (published figures)
Outline of Financial Position FY 3/2024 Forecasts (published figures) Financial results are expected to exceed FY2022 levels on both a consolidated and non-consolidated basis, with record profits Forecast (non-consolidated) (Million yen) FY 3/24 Forecast (consolidated) (Million yen) (initially FY 3/
Slide 12: Dividends
Outline of Financial Position Dividends Pay an interim dividend in commemoration of its 145th anniversary The Bank paid a commemorative dividend for the 145th anniversary of its founding in the interim dividend for FY 3/24. Adding a commemorative dividend of 1 yen to the previous forecast of 7 yen,
Slide 13: Streamlining the Balance Sheet: Capital Policy
Outline of Financial Position Capital Policy The Bank will promote initiatives to improve P/B ratio in line with its basic policy of capital allocation to enhance corporate value Basic policy on capital allocation to enhance corporate value Through disciplined management of risk-weighted assets and