Chugin Financial Group,inc. · TSE:5832
Chugin Financial Group,inc — FY2025 Earnings Presentation
53 slides from Chugin Financial Group,inc's earnings presentation, March 2026
Slide 1: FY2025 Earnings Results Briefing (References)
FY2025 Earnings Results Briefing (References)
Slide 2: Table of Contents of References
Table of Contents of References Management Indicators, etc. for Economic Structure of Okayama Prefecture Chugin Financial Group, Inc. Economic Scale of Okayama Prefecture 4 Summary of Earnings 22 Industrial Structure of Okayama Prefecture 6 Capital Adequacy Ratio 23 Growth Infrastructure and Potenti
Slide 3: Economic Structure of Okayama Prefecture
Economic Structure of Okayama Prefecture
Slide 4: Economic Scale of Okayama Prefecture
Economic Scale of Okayama Prefecture Nationwide Items Results Rank Source Survey date share (%) Area 7,114 k㎡ 1.9 17 Nationwide Survey on Area by Municipality Jan. 2026 Population, Demographics, and Number of Population 1,835,000 1.5 20 Jan. 2025 Households Based on the Basic Resident Register Popul
Slide 5: Economic Scale of Okayama Prefecture
Economic Scale of Okayama Prefecture (Trillion yen) Gross Domestic Product by Prefecture at (%) Current Prices and YoY Change 160 12 Gross Prefectural Domestic Product at Current Prices (Left scale) 120 9 YoY growth 80 (Right scale) 6 40 3 0 0 (40) -3 Hyogo Osaka Ehime Tottori Okayama Fukui Kochi Mi
Slide 6: Industrial Structure of Okayama Prefecture (1)
Industrial Structure of Okayama Prefecture (1) Percentage mix of gross domestic product by economic activity Professional/science technology, business support services Education Other services Finance, insurance Health and hygiene, social (%) Wholesale, retail Transport, postal Public Manufacturing
Slide 7: Industrial Structure of Okayama Prefecture (2)
Industrial Structure of Okayama Prefecture (2) Proportion of incoming/outgoing transfer (net) of goods and services in gross prefectural domestic product (at current prices) (%) 15 Hiroshima Okayama 10 5 Kagawa 0 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Source: Annual Report on Prefect
Slide 8: Growth Infrastructure and Potential of Okayama Prefecture (1)
Growth Infrastructure and Potential of Oayama Prefecture (1) Population and number of households of the Chugoku-Shikoku region (Persons, households) (%) Tottori Shimane Okayama Hiroshima Yamaguchi Tokushima Kagawa Ehime Kochi 3,000,000 6.0 Population Number of households 2,000,000 Change in populati
Slide 9: Growth Infrastructure and Potential of Okayama Prefecture (2)
Growth Infrastructure and Potential of Okayama Prefecture (2) 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 2045 2050 Source: Regional Population Projections for Japan (20
Slide 10: Growth Infrastructure and Potential of Okayama Prefecture (3)
Growth Infrastructure and Potential of Okayama Prefecture (3) Cross points of land transportation in Western Japan Two east-west highways and one north-south highway intersect within the prefecture. Sea of Japan Yonago, Okayama, and Seto Chuo expressways Chugoku Expressway Sanyo Expressway Seto Inla
Slide 11: Growth Infrastructure and Potential of Okayama Prefecture (4)
Growth Infrastructure and Potential of Okayama Prefecture (4) 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 Tottori Shimane Okayama Hiroshima Yamaguchi Tokushima Kagawa Ehime Kochi Source: FY2024 Annual Report of Road Transport
Slide 12: Growth Infrastructure and Potential of Okayama Prefecture (5)
Growth Infrastructure and Potential of Okayama Prefecture (5) 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 climate and little rainfall. ** Days with less than 1 mm of Okay
Slide 13: Economic Conditions of Okayama Prefecture
Economic Conditions of Okayama Prefecture
Slide 14: Local Economic Trends (1)
Local Economic Trends (1) The economy of Okayama Prefecture is gradually recovering despite downward pressure from rising prices. BSI 20 Asian currency crisis Consumption tax hike Simultaneous terrorist attacks in the U.S. BOJ quantitative easing Collapse of Lehman Brothers COVID-19 transition to 13
Slide 15: Local Economic Trends (2)
Local Economic Trends (2) Industrial production: Moving within a flat range as transport machinery remains strong, but material industries exert downward pressure [Industrial production index] (2020 indexed at 100; seasonally adjusted) 110 100 90 80 2021/1 2022/1 2023/1 2024/1 2025/1 2026/1 Source:
Slide 16: Local Economic Trends (3)
Local Economic Trends (3) Capital investment: Picking up mainly in the manufacturing industry [YoY change in capital investment] Okayama Prefecture Nationwide （％） Manufacturing Non-manufacturing Total Manufacturing Non-manufacturing Total FY2023 result ー ー -3.4 6.7 12.8 10.6 FY2024 result ー ー 1.2 7.
Slide 17: Local Economic Trends (4)
Local Economic Trends (4) Consumer spending: Gradually recovering despite downward pressure from rising prices. [Department store and supermarket sales (all stores, YoY)] (%) 15 10 5 0 -5 -10 -15 2021/1 2022/1 2023/1 2024/1 2025/1 2026/1 Source: Chugoku Bureau of Economy, Trade and Industry [Number
Slide 18: Local Economic Trends (5)
Local Economic Trends (5) [New passenger car registration (including light motor vehicles; YoY)] (%) 60 40 20 0 -20 -40 -60 2021/1 2022/1 2023/1 2024/1 2025/1 2026/1 Source: Okayama Branch, Chugoku Transport & Tourism Bureau Housing investment: Weakening due to rising construction costs, etc. [New h
Slide 19: Local Economic Trends (6)
Local Economic Trends (6) Employment situation: Gradually picking up despite signs of weakness in some areas [Employment Index of Regular Workers] (2020 indexed at 100; seasonally adjusted) 110 100 90 2021/1 2022/1 2023/1 2024/1 2025/1 2026/1 Source: Seasonally adjusted value calculated by the Okaya
Slide 20: Local Economic Trends (7)
Local Economic Trends (7) Land prices: Gradually picking up [Official land price (YoY)] (%) 3 Residential 2 area Commercial 1 area 0 -1 -2 -3 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Source: Hilly and Mountainous Areas Development Division, Okayama Prefecture Corporate bankruptcies: On
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 [Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (Million yen) 1H 1H 1H 1H 1H Ordinary revenue 60,594 128,565 89,629 179,860 88,355 184,661 102,919 211,734 114,515 249,074 Banking revenue 56,758 116,870 71,760 157,417 83,953 174,201 100,048 203
Slide 23: Capital Adequacy Ratio
Capital Adequacy Ratio [Consolidated] (%, 100 million yen) 1H FY2022 FY2022 1H FY2023 FY2023 1H FY2024 FY2024 1H FY2025 FY2025 Total capital adequacy ratio 12.76 12.87 12.20 14.05 13.67 12.89 14.23 13.35 Tier 1 ratio 12.50 12.64 11.98 13.70 13.25 11.87 12.72 12.17 Ratio of common equity Tier 1 12.50
Slide 24: Status of Group Companies
Status of Group Companies Business line Effective Equity FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (million yen,%) Ratio 1H 1H 1H Ordinary revenue 17,461 5,558 12,080 8,037 14,715 7,106 14,579 The Chugin Lease Company, Leasing 100.00 Ordinary profit 3,640 185 821 754 685 283 550 Limited *1 Ne
Slide 25: Key Press Releases
Key Press Releases References25
Slide 26: Management Indicators, etc. for The Chugoku Bank
Management Indicators, etc. for The Chugoku Bank
Slide 27: Summary of Earnings (1)
Summary of Earnings (1) [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (Million yen) 1H 1H 1H 1H 1H Ordinary revenue 51,869 110,337 82,338 164,467 79,483 165,786 92,127 190,625 104,420 226,826 Banking revenue 47,999 98,558 64,429 141,933 75,000 155,579 89,18
Slide 28: Summary of Earnings (2)
Summary of Earnings (2) [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (million yen) 1H 1H 1H 1H 1H Profits and losses related to bonds -447 -2,949 -15,362 -19,778 -1,279 -776 -2,023 -2,829 -4,250 -18,240 Gains on sales of bonds 3,506 9,400 8,817 23,487 3,45
Slide 29: Breakdown of Ordinary Revenue
Breakdown of Ordinary Revenue [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (million yen) 1H 1H 1H 1H 1H Ordinary revenue 51,869 110,337 82,338 164,467 79,483 165,786 92,127 190,625 104,420 226,826 Banking revenue 47,999 98,558 64,429 141,933 75,000 155,579
Slide 30: Breakdown of Ordinary Expenses
Breakdown of Ordinary Expenses [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (million yen) 1H 1H 1H 1H 1H Ordinary expenses 37,521 86,928 63,113 136,953 66,499 139,098 72,979 156,027 80,923 175,312 Banking expenses 34,342 78,252 59,733 126,798 62,810 131,34
Slide 31: Breakdown of Expenses
Breakdown of Expenses [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (million yen) 1H 1H 1H 1H 1H Expenses (1) 25,914 51,986 25,330 51,316 26,069 52,881 26,752 55,251 30,132 61,885 Personnel expenses 14,022 28,037 14,103 27,843 13,887 27,640 14,051 28,431 14
Slide 32: Main Yields
Main Yields [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 （％） 1H 1H 1H 1H 1H 1. Interest-bearing asset yield 0.77 0.72 0.93 1.01 1.28 1.34 1.40 1.42 1.48 1.55 Loan yield 0.87 0.87 1.00 1.11 1.41 1.46 1.53 1.55 1.58 1.60 Securities yield 0.89 0.81 1.24 1.29
Slide 33: Major Accounts (Year-end Balance): Assets
Major Accounts (Year-end Balance): Assets [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H Total assets 98,542 101,779 96,609 98,034 102,655 107,083 106,047 110,007 112,168 113,123 Management account 81,136 83,168 84,489 81,672
Slide 34: Major Accounts (Year-end Balance): Liabilities and Net Assets
Major Accounts (Year-end Balance): Liabilities and Net Assets [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H Total liabilities and net assets 98,542 101,779 96,609 98,034 102,655 107,083 106,047 110,007 112,168 113,123 Total
Slide 35: Major Accounts (Average Balance): Assets
Major Accounts (Average Balance): Assets [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H Total assets 93,337 96,396 100,207 98,905 99,662 101,466 107,222 107,855 111,332 111,804 Management account 87,143 91,984 91,925 92,274 9
Slide 36: Major Accounts (Average Balance): Liabilities and Net Assets
Major Accounts (Average Balance): Liabilities and Net Assets 【Non-Consolidated】 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H Total liabilities and net assets 93,337 96,396 100,207 98,905 99,662 101,466 107,222 107,855 111,332 111,804 Total li
Slide 37: Deposits (Year-end Balance)
Deposits (Year-end Balance) [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H Okayama Prefecture 57,259 59,388 59,035 61,020 60,583 62,206 60,613 62,279 62,334 63,250 Individuals 42,033 42,945 43,450 43,748 44,070 44,461 44,350
Slide 38: Deposits (Average Balance)
Deposits (Average Balance) [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H Okayama Prefecture 57,468 57,668 59,824 59,671 60,664 60,581 61,539 61,437 63,093 64,067 Individuals 41,761 42,193 43,362 43,566 43,994 44,168 44,550 4
Slide 39: Loans (Year-end Balance)
Loans (Year-end Balance) [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H General loans 46,792 48,087 49,577 51,155 53,364 57,763 58,429 61,170 61,711 63,280 Large companies 8,053 8,519 8,731 9,541 9,961 10,942 11,261 12,032 10
Slide 40: Loans (Average Balance)
Loans (Average Balance) [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H General loans 46,735 46,992 48,622 49,411 51,784 52,907 57,939 58,986 61,049 61,784 Local development 22,289 22,243 22,287 22,686 23,302 23,425 23,984 24,
Slide 41: Loans by Industry (Year-end Balance)
Loans by Industry (Year-end Balance) [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H Domestic branches 51,343 52,446 53,876 55,293 57,565 61,816 62,455 65,051 65,506 66,945 Manufacturing 6,728 6,981 6,836 7,528 7,456 7,808 7,6
Slide 42: Loans by Industry (Composition Ratio)
Loans by Industry (Composition Ratio) [Non-Consolidated] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 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% Manufacturing 13.1% 13.3% 12.7% 13.6% 12.9% 12.6% 12.2% 11.9% 11.8% 12
Slide 43: Share of Deposit
Share of Deposit [Year-end balance] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 （％） 1H 1H 1H 1H 1H Okayama Prefecture Chugoku Bank 50.4 51.1 51.2 51.7 51.4 51.3 50.5 51.4 51.5 51.7 Other banks 49.6 48.9 48.8 48.3 48.6 48.7 49.5 48.6 48.5 48.3 Regional banks except for Chugo
Slide 44: Share of Loans
Share of Loans [Year-end balance] FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 （％） 1H 1H 1H 1H 1H Okayama Prefecture Chugoku Bank 43.2 43.4 43.6 43.3 44.3 46.0 46.2 46.8 46.8 46.8 Other banks 56.8 56.6 56.4 56.7 55.7 54.0 53.8 53.2 53.2 53.2 Regional banks except for Chugoku
Slide 45: Status of Securities
Status of Securities Year-end balance 【Non-Consolidated】 FY2021 FY2021 FY2022 FY2022 FY2023 FY2023 FY2024 FY2024 FY2025 FY2025 (100 million yen) 1H 1H 1H 1H 1H Year-end balance 25,653 25,098 25,154 23,192 23,662 25,899 25,565 27,749 29,709 31,041 JGBs 6,762 6,942 7,154 5,644 5,638 6,735 6,258 8,489
Slide 46: Balance of Securities by Remaining Period and Duration of Securities
Balance of Securities by Remaining Period and Duration of Securities Outstanding balance by remaining period to maturity for yen-denominated Securities Securities (100 million yen) 10,000 FY2021 9,000 FY2022 FY2023 8,000 FY2024 7,000 FY2025 6,000 5,000 4,000 3,000 2,000 1,000 0 1 Year or less More t
Slide 47: Status of Handling of Housing Loans
Status of Handling of Housing Loans [Loans executed by interest type (new houses + refinancing)] [Breakdown of use of loans executed] (%) （100 million yen） Refinancing, etc. 200 Long-term fixed rate 8.7 10-year fixed rate 180 5-year fixed rate 3-year fixed rate 160 Floating New houses 140 91.3 120 T
Slide 48: Status of Non-performing Loans
Status of Non-performing Loans Loans disclosed under the Financial Revitalization Act [Non-Consolidated] Sep.30, 2021 Mar.31, 2022 Sep.30, 2022 Mar.31, 2023 Sep.30, 2023 Mar.31, 2024 Sep.30, 2024 Mar. 31, 2025 Sep. 30, 2025 Mar.31, 2026 (million yen) Bankrupt/de facto bankrupt loans 19,678 20,918 20
Slide 49: Transition of Debtor Categories in 1H
Transition of Debtor Categories in 1H (Upper level: Forecast Lower level: Value (100 million yen)) Favorable End of Sep 2025 Deterioration turnaround Other Virtually Legally Heathy Substandard Bankrupt Other doubtful bankrupt bankrupt loans loans clients (see note) loans loans loans Heathy loans 159
Slide 50: Transition of Debtor Categories in 1H (Composition)
Transition of Debtor Categories in 1H (Composition) (Upper level: Forecast Lower level: Value (billion yen)) Favorable End of Sep 2025 Deterioration turnaround Other Virtually Legally Heathy Substandard Bankrupt Other doubtful bankrupt bankrupt loans loans clients (see note) loans loans loans Heathy
Slide 51: Transition of Debtor Categories: 1 year
Transition of Debtor Categories : 1 year (Upper level: Forecast Lower level: Value (billion yen)) Favorable End of Sep 2025 Deterioration turnaround Other Virtually Legally Heathy Substandard Bankrupt Other doubtful loans bankrupt bankrupt loans clients (see note) loans loans loans Heathy loans 159,
Slide 52: Transition of Debtor Categories: 1 year (Composition)
Transition of Debtor Categories: 1 year (Composition) (Upper level: Forecast Lower level: Value (billion yen)) Favorable End of Sep 2025 Deterioration turnaround Other Virtually Legally Heathy Substandard Bankrupt Other doubtful bankrupt bankrupt loans loans clients (see note) loans loans loans Heat
Slide 53: For inquiries regarding this document, please contact
For inquiries regarding this document, please contact: Management Planning Department, Chugin Financial Group, Inc. (Kondo, Inoue, or Nishitani） TEL: +81-86-234-6519 Email: souki01@chugin.jp
Chugin Financial Group — FY2025 Earnings Presentation on 6ix