Yamagata Bank, Ltd. · TSE:8344
Yamagata Bank — FY2022 Earnings Presentation
18 slides from Yamagata Bank's earnings presentation, March 2023
Slide 1: 2023年度 会社説明 資料編
2023F sz trathA BS if PPS LL $47
Slide 2: 目次
ROE AOE BCAALEOHS RNAS. VATS BARA ASS ABERDEBRR AROS AD SHAE SS RnPOHS WBRAOKAS ORS WARS SO Wa Th ORR WHROt RRA (1) WHROT BRA (2) WROP RRA (3) WahOF SAAR RAPGRORR ON AU RWN PB oO
Slide 3: 損益の状況
32) 33 34) 35 FAROE C3) (air : BAF) 2018 201946 2020 20214 20224 ASIC Ped 26,112 25,976 25,574 27,202 24,294 & 2,908 Eee 23,060 23,263 23,740 26,951 28,387 1,435 BEANS SARE 3,661 3,111 3,012 3,431 3,355 a 76 COnSA a 4 609 a 399 41,179 a 3,181 a 7,448 A 4,267 Bee anes a 437 220 a 764 a 2,614 5,802 A
Slide 4: 利回り・利鞘等
AO OHERS (BAZ + %) 201845 201945 2020438 2021438 202248 ACEI Bue A 1.03 1.02 0.97 0.94 0.98 0.04 Alar B 1.05 1.08 0.95 1.14 1.42 0.28 BEAD Cc 1.03 1.03 0.95 0.90 1.08 0.18 FAS SFIGIO D 0.03 0.03 0.02 0.02 0.08 0.06 EE E 0.88 0.87 0.80 0.76 0.70 A 0.06 AES ih F=D+E 0.91 0.90 0.82 0.78 0.78 0.00 BEH2F
Slide 5: 自己資本比率の状況
BCBAILBOUES GEE O\-U/IAB) (S447 + %) 2018 2019 202005 202145 202205 BCAA HA) 11.15 10.59 10.34 9.94 10.25 (844i: BAA) IBAA (A) 138,003 139,196 141,333 142,939 144,731 PBN OREBRA 134,771 135,935 137,856 139,251 141,471 IP BACH ACNS MBAS SE 2,697 2,832 3,189 3,496 3,166 WCACHA NS ih A 534 428 287 192
Slide 6: 有価証券等の状況
ERE, VAT SEMAEEA (447: BAA. %) (47 : BAA. %) Reto ue UZ0 SEHR Keeani ue UR7 EEaHERA J 6 x | 146,052 (851)| 3,695 ( 17.73)| | @ x | 146,626 (814)| 4,199 ( 18.95) a OR 5,912 (0.35)] 1,581 (7.59)| | @ # OR 5,630 (0.31)| 1,589 (7.17) ” # 31 ( 0.00) - ¢ -)] | am # 18 ( 0.00) - (+) e-RGR- OAR 585 ( 0.03)
Slide 7: 貸出金等の状況
(Ais XD all ies (7 : BAR) 2018 | 2019%8 | 2020%8 | 202158 | 20224 papet TERRELL Listiiaay 2,956 2,663 1,732 1,273 1,390 0.07% 117 RABE 2,414 1,339 3,860 1,423 1,236 0.07% A 187 TAREE: 12,322 12,595 11,668 11,557 11,521 0.63% A 36 Bret 56,984 56,295 57,689 56,692 57,267 3.12% 575 Beene 8,556 9,831 8,
Slide 8: 貸出金の状況
(SB ABAN-Z) BRAD EBAR <202243AR> (air 56) <202343AR> cau) BERD FS IER en ae Beet RATE FRET. eo DIPYD | SV IITD IERIE 7,071 6,287 107 12 12 8 5 640 144 EOWBLSI 516 87 372 18 12 3 3 21 87 36 Best 68 2 3 56 2 1 0 4 5 3 BAERS TG 176 5 8 0 145 6 2 10 13 8 ARETE 43 1 ie) ie) 2 26 1 13 3 1 BREA 17 ie) ie)
Slide 9: 預金等の状況
FAEOHES (NCDERE) (HAT : BA. %) 20184 2019%F 20205F EE 20217 20224555 RK iB ARR SBE ARS SBE ARR pepe RR ta BES 2,215,161 0.26] 2,269,022 2.43] 2,581,043 13.75] 2,709,490 4.98] 2,748,306 1.43 A 1,569,932 1.12] 1,601,136 1.99] 1,724,973 7.73] 1,793,781 3.99] 1,845,536 2.89 ABBA 468,481 0.34] 478,711 2.
Slide 10: その他の状況
FAO Sa i (RIRA-A) (B47: BBP) 20184 20194 20204 20214 20224 peditictin 64,075 49,596 57,959 67,013 68,872 DHE 17,553 22,235 24,589 23,193 33,190 Hapalr 201,883 195,568 195,913 200,887 201,478 JANOSRAR Aa 283,511 267,399 278,461 291,093 303,540 x AanteiRls, AMR esc CAVES
Slide 11: 貸出金の残高
BWEOHE (447 | BAA. %) 20182 20195 20208 202145 2022 RIK Bip RK HSE AUK Hee AK HR AK Boe CELE 1,707,716} 41.60) 1,721,894 0.83) 1,748,110 1.52] 1,716,804) 1.79] 1,801,193 4.92 HU) PRES 1,096,985 1.70) 1,089,835] 0.65) 1,128,209 3.52] 1,124,557) 0.32) 1,119,107) «0.48 Cy) BSS 503,654 0.91 494,941] 1.7
Slide 12: 経済・金利環境の推移
LUAZIRAO FASE OTE <A, SMWRCOCHALE CSE DAE HSL CHS > Sa LAR AORRES (READ) “ 68,000 || MEAG —O- AEG CHER) 56,000 2019/14 7 10 2020/1 4 7 10 2021/1 4 7 10 2022/1 4 7 10 (AAR Ce) samt -_ vo 34,000 WAR AOE ies *) 33,000 mm SRS —-O-AIEIL (ABR) 10 32,000 31,000 30,000 27,000 pon wel oN 02°C Bel AOS | 26,00
Slide 13: 地域別の状況
LUAZR BS COME Th ORA RUE s-1=| IR | Biz 4H LUAZUR (har e100] uw=100 Ha 2023 | km 377,974 9,323 2.5 785 0.2 8.4 #® A ort eis) 2022 Xx 124,946,789} 1,040,971 0.8) 1,099,239 0.9 105.6 th fe MX usiaerecem| 20224 | his 59,761,065 420,046 0.7 529,151 0.9} 126.0 BARA 20198] (A 5,568,363 43,367 0.8 53,273 1
Slide 14: 地域経済指標 (1)
ZEROES AER (1) <ADBRR> <4 > <ai> al iEtAC STREAM — Pas BBA (BUERO HOLL S551, ee asi | Soc? wet | cae tame | sie ore STO eee ene | anette wx % Xx A} 20154=100 % % % % % BARA % 20195 1,079,515 41.11) 49,089) A 3,659 104.4 40.3 0.8 412.5 A 3.0 36.4 69,469 A 22.6 20205 1,068,027 41.06) 48,916) A 3,187 9
Slide 15: 地域経済指標 (2)
WWAZROE BR ABER (2) < {BL ASHEE> <AEEIRED> <i> <ASURED> oe en) HESRELOR | DSSERBASE] @he LAG 7 wea) | eve-a1-men | Ge en macemrra | eee AS UREA Bl Ceeeny ate ate AVE AVE ave BAA % a % A % P % mi % BAR % 2019%F 145,827 All 43,468 A 3.9} 343,080 2.7 5,755 49.5} 444,965 40.5} 198,071 29.5 20204 140,669
Slide 16: 地域経済指標 (3)
WWAZROE SR ABER (3) <P HE> <fEFAIBSS> <DNti> rag BPR MEE BARRE ZBSSiK HEA Ms ail BORER PUAeae ovr imme | (SUM Ease) | (S.ADLESEBERR (Ret -#E) Asll aI ANE LE ae ANE LE, BIEL BIEL tag tF BAR % {Si 7K4 Yb] 2020¢F= 100 %| 2020%=100 %| 2020%=100 % 20194 48 0) 11,343 163.0 1.54, «0.11 100.8 14 103.7 0.3 1
Slide 17: 地域経済指標 (4)
{lhetho= Bea <ADBHIE> <teE> <> <AERRIBB> <I ASHED> 7 —_ = #EtAD aii weceerra |, SOME | moseienmnrast 2 asi | 20? met ame tame | sme FEN ante acess aieett oN % Ne AX |2015%=100 % FP % Gi ricean A % 2019%F 1,090,263 0.15| a 1,270 2,745 103.8 Aa4.9 10,893 A 8.4 1.84 40.07} 298,333 5.7 2020%E 1,096,704
Slide 18: EsRaeee SS HIEADI
30 20 10 a4 20 4 30 a 40 450 EsRaeee SS HIEADI IRAREORN BAR HOR TSF R MEL CUSbOO, BISSMNAIEL CHO, SA CAL UTES» (2023-6At FB) SREB A FIUNDIOHER (LAIR) (HAT : %, RID) 2018/6 12 2019/6 Bes : BART 12 2020/6 12 2021/6 12 2022/6 12 2023/6A 2022% 20234 | (ial) Ez 6A 9A 12A 3A 6A BER 0 (o} a6 al 1 ag BUSS 2