Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — FY2024 Earnings Presentation
7 slides from Hyakugo Bank's earnings presentation, Jun 3, 2025
Slide 1: Outline of FY2024 Financial Position
Outline of FY2024 Financial Position
Slide 2: Financial Highlights
Financial Highlights SAAR FRONTIER BANKING | Summary of FY2024 Financial Results (Non-Consolidated) (Million yen) FY 3/24 FY 3/25 | Year-on-year Gross operating income (1) 57,706 61,911 4,204 Interest income 64,874 67,274 2,399 Fees and commissions 11,555 10,477 (1,077) Other operating income (18,72
Slide 3: Interest income
Interest income QATAR iT FRONTIER BANKING An increase in interest on loans and securities contributes to higher interest income of 3.7% year-on-year ctors underlying changes in interest income <Total of dome: § Deposit-loan yields (domestic @ Returns on securities and international operations depart
Slide 4: Fees and commissions
Fees and commissions QATAR iT FRONTIER BANKING Fees and commissions decreased 9.3% year-on-year, mainly due to a decrease in housing-loan-related fees es and commissions (non-consolidated) @ Housing-loan-related fees (Million yen) a 3,553 (Million yen) 3,406 = Corporate solutions = Depository assets
Slide 5: Expenses
= Expenses Sane Expenses grew 1.0% year-on-year due to increases in personnel and non-personnel expenses (Million yen) = Personnel expenses = Non-personnel expenses = Taxes 70.81% + 63.78% 40,989 40.119 62.24% : 60.89% 59.61% i. 38,752 2 1 2.118 2.048 2,238 FY 3/21 FY 3/22 FY 3/23 FY 3/24 FY 3/25 [M
Slide 6: Credit Costs (non-performing loans ratio)
Credit Costs (non-performing loans ratio) Sams FRONTIER BANKING Credit costs decreased due to a rebound from the previous fiscal year, when a change was made to the calculation method for the general allowance for loan losses ii lcs @ Non-performing loans @ Non-performing loans ratio ill coverage ra
Slide 7: FY 3/2026 Forecasts (published figures)
FY 3/2026 Forecasts (published figures) HB Hse it Income increase is expected largely due to an improvement in other operating income and an increase in gain and loss from stocks and other securities Forecast (non-consolidated) Forecast (consolidated) (Million yen) FY 3/25 (ores ae) (Million yen) FY