Shiga Bank, Ltd. · TSE:8366
Shiga Bank — Q1 FY2026 Earnings Presentation
9 slides from Shiga Bank's earnings presentation, July 2026
Slide 1: First Quarter of FY2026 Summary of Financial Results
First Quarter of FY2026 Summary of Financial Results July 2026 Copyrights © SHIGA BANK, ltd. All Rights Reserved.
Slide 2: Income Statement Overview
Income Statement Overview ‣ Net interest income expanded due to increased loan interest and securities interest/dividends ‣ Quarterly net income reached a record high for the first quarter on both a non-consolidated and consolidated basis ■ Financial Results Overview (Non-consolidated) ■ Gross Busin
Slide 3: Balance Sheet
Balance Sheet ■ B/S Overview (Non-consolidated, End-of-period) Total Assets 7.9 trillion yen Liabilities 7.2 trillion yen Corporate loans in the prefecture Loans Deposits decreased due to the reaction to 【Unit: billion yen】 【Unit: billion yen】 funding demand at the end of March, 2026.6 Change from M
Slide 4: Deposits and Loans
Deposits and Loans ‣ Deposits have increased steadily against the backdrop of a high market share in Shiga Prefecture, reaching a balance of 6 trillion yen ‣ Yields on both deposits and loans are rising in line with the increase in the policy rate ■ Deposits (balance) (billion yen) ■ Loans (balance)
Slide 5: Non-Interest Income
Non-Interest Income ‣ Corporate consulting fees decreased due to the reactionary decline from large-scale syndicated loan and M&A deals in the previous period ‣ Individual consulting fees increased due to stronger customer approaches to asset formation, leading to higher sales of trusts and other pr
Slide 6: Expenses
Expenses ‣ Expenses increased due to growth investments such as human capital investment and system investment, but OHR decreased due to an increase in gross business profit ■ Expenses / OHR OHR ex. OHR excluding special factors Special factors (core banking system costs etc.) OHR 97.82% 【Unit: bill
Slide 7: Securities Portfolio
Securities Portfolio ‣ Invested primarily in local government bonds and restored a portion of bonds sold during the previous period ‣ Market value of stocks increased significantly due to the rise in stock prices of semiconductor-related companies ■ Balance (Market Value) 【Unit: billion yen】 ● Yield
Slide 8: Credit Costs / FRA Disclosed Claims
Credit Costs / FRA(Financial Reconstruction Act) Disclosed Claims ‣ There were no major defaults, and credit costs remained at a low level ■ Credit costs ■ FRA Disclosed Claims (billion yen) / NPL Ratio 【Unit: billion yen】 2023.3 2024.3 2025.3 2026.3 2025.6 2026.6 1.91％ 1.86％ 1.77％ Credit costs 2.0
Slide 9: Inquiries
Inquiries This document contains forward-looking statements regarding future performance. Such statements do not guarantee future performance and involve risks and uncertainties. Please note that future performance may differ from targets due to changes in the business environment. This document has