Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — Investor Presentation (2024)
11 slides from Hyakugo Bank's investor presentation, Jul 25, 2024
Slide 1: Appendix
Srna Appendix
Slide 2: Potential of Major Sales Areas
Appendix Potential of Major Sales Areas Mie Prefecture: the main business area of Hyakugo Bank Aichi Prefecture: A neighboring prefecture with a large market; accelerating expansion into the market there Item Unit Mie Rank * Aichi Rank * Prefecture Prefecture Total area (January 2024) 100 km2 57.74
Slide 3: Deposits and Loans
Appendix Deposits and Loans Deposits (ending balance) (Million yen) Loans (ending balance) (Million yen) end of end of end of end of end of end of end of end of end of end of 3/20 3/21 3/22 3/23 3/24 3/20 3/21 3/22 3/23 3/24 Corporate Corporate sector deposits 957,260 1,140,057 1,148,376 1,172,626 1
Slide 4: Deposits (including negotiable certificates of deposit), Depository Assets
Appendix Deposits (including negotiable certificates of deposit), Depository Assets Hyakugo Securities (after excluding the Bank’s brokerage) Total deposits Mie Prefecture Aichi Prefecture Tokyo, Osaka Depository assets, Insurance Financial Investment trusts instrument brokerage (average balance) 60
Slide 5: Loans
Appendix Loans Mie Aichi Tokyo, Total loans Prefecture Prefecture Osaka (average balance) 47,333 (100 million yen) 43,785 Mie Aichi Tokyo, 40,999 Loans to SMEs Prefecture Prefecture Osaka 8,322 38,240 7,865 (average balance) 35,297 (100 million yen) 7,610 15,375 7,532 14,564 7,460 13,834 2,208 1,964
Slide 6: Integrated Risk Management
Appendix 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 268.3 billion yen and allocable capital of 180.4 billion yen, actual amount of risk is 71.7 billion yen. (100
Slide 7: Outstanding Non-performing Loans by Disclosure Standard and Coverage
Appendix 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 loan
Slide 8: Trends of Debtor Classification
Appendix Trends of Debtor Classification Upper: Number of debtors / Lower: Credit exposure (Million yen) Debtor Classification as of March 31, 2024 Ratio of Other under downgrading to Under Possible Substantial Upgrade Downgrade Normal close Failure Other possible failure control failure failure Bul
Slide 9: Hyakugo Bank's Credit Policies
Appendix Hyakugo Bank’s Credit Policies Compliance of Hyakugo Credit Policy (March 31, 2024) (100 million yen) Classification Content Limit Compliance Loans for individuals engaging in 7% or less of total loans 3,437 1,954 3.98% housing leasing business Loans for other real estate industry 7% or les
Slide 10: Mie Prefecture's Shares of Deposits and Loans
Appendix Mie Prefecture’s Shares of Deposits and Loans Deposits Loans Including megabanks Megabank Other Shinkin Bank A Hyakugo Bank Hyakugo Bank Bank A Shinkin Other Megabank 9.1 9.1 11.3 24.4 46.1 Mie 39.8 28.3 11.2 16.0 4.7 Prefecture * Excludes Agricultural Cooperative, Fisheries Cooperative, JP
Slide 11: Group Companies
Appendix Group Companies Enhancing the comprehensive strength of the entire Group Can provide integrated financial services. Think tank services Group companies work together for higher Services for individual service efficiency, while striving to secure further customers profits outside the Group.