Tochigi Bank, Ltd. · TSE:8550
Tochigi Bank — FY2025 Earnings Presentation
19 slides from Tochigi Bank's earnings presentation, Jun 2, 2026
Slide 1: Financial Results Presentation for the Fiscal Year Ended March 31, 2026
Note: This document has been translated from the Japanese original for reference purposes only. In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail. Financial Results Presentation for the Fiscal Year Ended March 31, 2026 Wednesday, M
Slide 2: Contents
Contents Overview of Financial Results for the Fiscal Year Ended March 31, 2026 1. Summary of Financial Results 2. Overview of Consolidated Financial Results 3. Overview of Non-consolidated Financial Results 4. Trends in Core Net Business Profit 5. Trends in Net interest income 6. Balance of Deposit
Slide 3: Summary of Financial Results
１． Summary of Financial Results Financial results Progress rate 【Consolidated】 2025/3 2026/3 Change % Change forecasts for the toward the forecast fiscal year Ordinary income 45.0bn 54.5bn ＋9.5bn 21.0％ 50.5bn 108.0％ Ordinary profit (23.6)bn 10.0bn ＋33.6bn -％ 9.1bn 110.1％ Profit attributable to (22.3
Slide 4: Overview of Consolidated Financial Results
2. Overview of Consolidated Financial Results Ordinary income increased by 9.5 billion yen from the same period of the previous fiscal year, due in part to higher interest on loans and discounts, interest and dividends on securities, and interest on deposits with other banks, as well as higher fees
Slide 5: Overview of Non-consolidated Financial Results
3. Overview of Non-consolidated Financial Results For the same reasons as those described for the consolidated results above, both ordinary income and profit increased. Although funding costs, such as interest on deposits, and expenses increased, core net business profit (excluding gains (losses
Slide 6: Trends in Core Net Business Profit
4. Trends in Core Net Business Profit (Non-consolidated) Core net business profit represents the profit derived from funding income, such as interest on loans and discounts and interest and dividends on securities, and from fees and commissions, and is an indicator of the Bank’s earnings power in
Slide 7: Trends in Net Interest Income
5.Trends in Net interest income Amid phased increases in policy interest rates since March 2024, interest payments on deposits increased; however, higher interest on loans and discounts and interest on deposits with other banks more than offset this, resulting in a 15.0% increase from the same per
Slide 8: Balance of Deposits
6. Balance of Deposits (Non-consolidated) Deposits outstanding increased by 54.2 billion yen from the end of March 2025 (up 1.7% year on year). Personal deposits increased by 21.3 billion yen (+0.8%), and corporate deposits increased by 26.6 billion yen (+4.6%). By prefecture, customers in Toc
Slide 9: Balance of Loans and Bills Discounted
7. Balance of Loans and Bills Discounted (Non-consolidated) Loans outstanding increased by 265.0 billion yen from the end of March 2025 (up 12.0% year on year). Loans to individuals and small and medium-sized enterprises increased by 30.9 billion yen (+1.9%), loans to medium-sized and large ente
Slide 10: Deposit Assets
8. Deposit Assets (Non-consolidated) Customer assets under custody increased by 38.9 billion yen from the end of March 2025, reflecting the provision of customer-oriented financial services.Going forward, the Bank will continue to propose “long-term, installment-type, and diversified” investments
Slide 11: Securities
9. Securities (Non-Consolidated) In the fiscal year ended March 31, 2026, although domestic interest rates rose amid expectations of rate hikes by the Bank of Japan, overall valuation gains (losses) on securities improved by 3.3 billion yen from the end of March 2025, reflecting, among other facto
Slide 12: Expenses
10.Expenses (Non-consolidated) (Note) OHR (based on gross operating profit) = Expenses ÷ Gross operating profit (excluding gains (losses) on sale of bonds and from cancellation of investment trusts) × 100 Gross core business profit, which serves as the denominator in the calculation of OHR, increa
Slide 13: Non-performing Loans
11. Non-performing Loans Loans based on the Banking Act and Financial Reconstruction Act increased by 3.8 billion yen compared to the end of March 2025; however, as the total amount of credit, including normal assets, also increased, the non-performing loan ratio declined by 0.08 percentage points
Slide 14: Capital Adequacy Ratio and Consolidated ROE
12. Capital Adequacy Ratio and Consolidated ROE The Bank’s consolidated capital adequacy ratio came to 9.91%, down 0.19 percentage points from the end of March 2025, primarily due to an increase in risk-weighted assets associated with loan growth. Trends in Equity Capital Consolidated ROE (Return
Slide 15: Dividends and Shareholder Return Policy
13. Dividends and Shareholder Return Policy With respect to the year-end dividend for the fiscal year ending March 31, 2026, the Bank will increase it by 2.00 yen from the 12.00 yen per share announced in the dividend forecast on October 29, 2025, and set it at 14.00 yen per share. As a result, to
Slide 16: Realize the Provision of New Value (Reference)
(Reference) Realize the Provision of New Value 15
Slide 17: Realize the Provision of New Value (Strengthening Consulting Capability)
1. Realize the Provision of New Value (Strengthening Consulting Capability) <Business Succession and M&A> To provide highly specialized solutions, the Bank leverages services such as “Tochigi no Musubime” (a locally oriented M&A service) and has established a one-stop framework to support M&A for so
Slide 18: Trends in Fees and Commissions Income
2. Realize the Provision of New Value (Trends in Fees and Commissions Income) The Bank allocates human resources to “tasks that only people can perform” (through direct face-to-face and indirect face- to-face channels) and provides highly specialized solutions. Fees and commissions consist of bankin
Slide 19: Contact for Inquiries
Contact for inquiries on these materials: Corporate Planning Division: Akimoto, Saito, and Iwamoto Tel.: +81-28-633-1455 Fax: +81-28-634-3633 18