Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — Investor Presentation (December 2025)
11 slides from Hyakugo Bank's investor presentation, Dec 1, 2025
Slide 1: Appendix
Appendix 38
Slide 2: Strengths of Our Sales Foundation
Strengths of Our Sales Foundation ■ Key Sales Foundation Data National National Survey Year Mie Prefecture Aichi Prefecture Ranking Ranking Strengths of Mie Prefecture Total population 2023 1,727 thousand people 22nd 7,477 thousand people 4th Concentration of specialized technologies: Factories for
Slide 3: Corporate Governance Reinforcement
Corporate Governance Reinforcement ■ Reinforcement of the PDCA Cycle in Corporate Governance Matters to Be Addressed Descriptions and Responses Clarify the departments in charge of corporate governance (Corporate Planning Section and Secretariat), Clarification of departments in charge which have no
Slide 4: Group Companies
Group Companies Verification and organizing services for Hyakugo Business Service Company Limited cash, etc. Storage, management, and printing- Hyakugo Heartful Service Company Limited related services for documents and ledgers, etc. Consolidated Investigation and assessment work for Subsidiaries Hy
Slide 5: Impact of Rising Yen Interest Rates
Impact of Rising Yen Interest Rates Impact of a 0.25% increase in yen interest rates on Yen Balance Sheet (bank’s non-consolidated basis) interest income ■Impact simulation * Policy rate assumption in the Medium-term Management Plan: 0.50% unchanged ■Summary of yen balance sheet <Reference> In the c
Slide 6: Deposits (Non-Consolidated)
Deposits (Non-Consolidated) * Including negotiable certificates of deposit Total deposits (average balance) Corporate deposits (average balance) (100 million yen) (100 million yen) Mie Prefecture Aichi Prefecture Tokyo / Osaka Mie Prefecture Aichi Prefecture Tokyo / Osaka 13,733 14,557 12,339 12,443
Slide 7: Depository assets
Depository assets Contract amount of acquired depository assets Depository assets balance (incl. Hyakugo Securities) (incl. Hyakugo Securities) (100 million yen) (100 million yen) Investment trusts Financial instrument brokerage Insurance Hyakugo Securities Company Investment trust balance Securitie
Slide 8: Loans
Loans Total loans (average balance) Housing loans (average balance) (100 million yen) (100 million yen) Mie Prefecture Aichi Prefecture Tokyo / Osaka 24,277 Mie Prefecture Aichi Prefecture Tokyo / Osaka Investment Finance Division 23,174 639 Ratio of loans to SMEs to total loans 20,895 611 (Based on
Slide 9: Equity Ratio (Consolidated)
Equity Ratio (Consolidated) (100 million yen) Equity capital, shareholders’ equity, and equity ratio (100 million yen) End of End of End of Equity capital Shareholders’ equity Equity ratio 3/24 3/25 9/25 12.55% 12.52% 12.33% 12.58% Equity capital (For equity ratio 2,807 2,878 2,898 calculation purpo
Slide 10: Integrated Risk Management
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 277.0 billion yen and allocable capital of 186.0 billion yen, actual amount of risk is 86.2 billion yen (100 million ye
Slide 11: Outstanding Non-performing Loans by Disclosure Standard and Coverage
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 loans, loans