Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — 1H FY3/2025 Earnings Presentation
12 slides from Hyakugo Bank's earnings presentation, 2024
Slide 1: Outline of Financial Position
Outline of Financial Position ４
Slide 2: Summary of Financial Results
Outline of Financial Position Summary of Financial Results Interim net income increased 11.5% year-on-year due to an increase in interest income and other operating income YoY (100 million yen) (Million yen) FY 9/23 FY 9/24 change FY 9/23 FY 9/24 YoY change Gross operating income (1) 28,070 31,897 3
Slide 3: Interest income
Outline of Financial Position Interest income An increase in interest on loans and securities contributes to higher interest income of 4.1% year-on-year YoY Factors underlying changes in interest income (Million yen) (Million yen) FY 9/23 FY 9/24 change (Head office and all branches) Interest income
Slide 4: Fees and commissions
Outline of Financial Position Fees and commissions Fees and commissions decreased 5.1% year-on-year, mainly due to a decrease in housing-loan-related fees (Million yen) Fees and commissions graph (non-consolidated) (Million yen) YoY FY 9/23 FY 9/24 Corporate solutions Depository assets-related chang
Slide 5: Expenses
Outline of Financial Position Expenses Expenses grew 1.6% year-on-year due to increases in non-personnel expenses (Million yen) Expenses and core OHR YoY (Million yen) Taxes Non-personnel expenses Personnel expenses FY 9/23 FY 9/24 change OHR (core gross operating profit basis) Expenses 19,613 19,92
Slide 6: Credit Costs (non-performing loans ratio)
Outline of Financial Position Credit Costs (non-performing loans ratio) Increase in the provision of specific allowance for loan losses caused a year-on-year increase in credit costs (Million yen) Credit costs (non-consolidated) (Million yen) YoY FY 9/23 FY 9/24 Other Provision of specific allowance
Slide 7: Deposits (including negotiable certificates of deposit)
Outline of Financial Position Deposits (including negotiable certificates of deposit) Corporate and other deposits remained strong, with total deposits up 3.0% year-on-year (100 million yen) YoY Total deposits (average balance) (100 million yen) FY 3/24 FY 9/24 change 62,037 Tokyo, Osaka Total depos
Slide 8: Loans
Outline of Financial Position Loans Loans grew 4.5% year-on-year, mainly due to an increase in loans to individuals, such as housing loans (100 million yen) YoY Total loans (average balance) (100 million yen) FY 3/24 FY 9/24 change Tokyo, Osaka Aichi Prefecture Mie Prefecture up 79.82% Total loans R
Slide 9: Securities Investments
Outline of Financial Position Securities Investments Valuation gains (losses) on securities decreased, mainly in stocks (100 million yen) end of 3/24 end of 9/24 Year-on-year Securities balance Government bonds Municipal bonds Corporate bonds Stocks Securities balance 15,621 15,198 (423) (100 millio
Slide 10: Equity ratio
Outline of Financial Position Equity ratio Equity ratio rose 0.05 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 3/2025 Forecasts (published figures)
Outline of Financial Position FY 3/2025 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 3/25 FY 3/25 Forecast (consolidated) (Million yen) (initial
Slide 12: Dividends
Outline of Financial Position Dividends Dividends are planned to be increased by 2 yen from the initial forecast and 3 yen from the previous term’s results In light of the performance in 1H, we have decided to increase the interim dividend for FY 3/25 by 1 yen compared with the initial forecast. We