Kiyo Bank, Ltd. · TSE:8370
Kiyo Bank — The Kiyo Bank — FY2025 Earnings Presentation
48 slides from Kiyo Bank's earnings presentation, Jun 4, 2026
Slide 1: Financial Results Briefing Materials for the Year Ended March 31, 2026
The Kiyo Bank, Ltd. Financial Results Briefing Materials for the Year Ended March 31, 2026 June 4, 2026 Note: This document has been translated from the Japanese original for reference purposes only. In the event of any discrepancy between this translated document and the Japanese original, the orig
Slide 2: Contents
Financial Results Briefing Materials for the Year Ended March 31, 2026 1 Contents 01_Financial Results Overview 03_Initiatives Aimed at Increasing Corporate Value Overview of Financial Results for the Year Ended March 31, 2026 P.4 Analysis of the Current Situation (ROE, PBR) P.22 Target ROE Index P.
Slide 3: Key Message
Financial Results Briefing Materials for the Year Ended March 31, 2026 2 Key Message Performance trend Financial results overview Medium to ROE (consolidated) long-term target 21.8 billion yen (Record-high profit) Profit (consolidated) 10.0% or more Consolidated ⇒ We achieved the target of 21.0 bill
Slide 4: 01_Financial Results Overview
3 01_Financial Results Overview Overview of Financial Results for the P.4 Credit Costs P.10 Year Ended March 31, 2026 Securities P.11 Net Interest Income P.5 Securities_Yen-Denominated Bonds P.12 Loans Balance and Yield P.6 FY2026 Result Forecast P.13 Balance of Deposits, etc., and Yield P.7 (Refere
Slide 5: Overview of Financial Results for the Year Ended March 31, 2026
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Overview of Financial Results for the Year Ended March 31, 2026 4 ◎: Record high Comparison Comparison FY2025 Initial FY2025 Initial Non-consolidated YoY result with initial Consolidated YoY result with initial (
Slide 6: Net Interest Income
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Net Interest Income 5 Net interest income broke the past highest record primarily due to an increase in interest on loans and discounts, with the difference between average yield on loans and deposits on a wideni
Slide 7: Loans Balance and Yield
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Loans Balance and Yield 6 The loan balance increased steadily centered on the Osaka area, and the yield by region in the Osaka area has overtaken that in the Wakayama area Loan balance Business loans balance (by
Slide 8: Balance of Deposits, etc., and Yield
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Balance of Deposits, etc., and Yield 7 Deposits increased steadily at a pace exceeding loan growth. By promoting main banking relationships, we expanded highly sticky deposits while keeping funding costs under co
Slide 9: Net Fees and Commissions
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Net Fees and Commissions 8 Business-related transactions, a core area of the Bank’s business, increased steadily, driven primarily by lending-related operations Net fees and commissions Breakdown of fees related
Slide 10: Expenses and OHR
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Expenses and OHR 9 Core OHR continued at a level below the regional bank average. In FY2026, we will increase investments for growth in preparation for the next Medium-Term Management Plan Expenses and OHR (core
Slide 11: Credit Costs
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Credit Costs 10 Credit costs remained broadly in line with the previous fiscal year. We will continue focusing on controlling credit costs through enhanced support for core business Credit costs Credit costs (exc
Slide 12: Securities
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Securities 11 While valuation losses on yen-denominated bonds increased due to a rise in domestic interest rates, yields on securities continued to improve through the replacement of yen-denominated bonds Balance
Slide 13: Securities_yen-denominated bonds
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Securities_yen-denominated bonds 12 We reduced risk exposure and shortened the duration by selling long-term and super-long-term bonds and purchasing short-term bonds Yen-denominated bonds Quantity of risk (100 m
Slide 14: FY2026 Result Forecast
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material FY2026 Result Forecast 13 Net interest income is expected to increase due in large part to a rise in interest on loans and discounts. Consolidated profit is forecast to reach a new record high for the second cons
Slide 15: (Reference) Impact on Net Interest Income when the Policy Interest Rate Rises
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material (Reference) Impact on Net Interest Income when the Policy Interest Rate Rises 14 A 0.25% increase in the policy interest rate is expected to increase net interest income by approximately 4.2 billion yen and ROE b
Slide 16: (Reference) Breakdown of Loans by Category and Interest Type
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material (Reference) Breakdown of Loans by Category and Interest Type 15 Variable interest rates account for roughly 40% of business loans. Interest rates have already been raised on over 90% of loans linked to the short-
Slide 17: 02_Capital Policy
16 02_Capital Policy Capital Allocation P.17 Returns to Shareholders P.18 Reduction of Cross-Shareholdings P.19 (Reference) Stock Split and P.20 Shareholder Benefit Program
Slide 18: Capital Allocation
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Capital Allocation 17 We increased risk assets, centered on business loans. Capital adequacy ratio trended within the scope of the plan for reaching an appropriate level Capital allocation Risk assets Loans and b
Slide 19: Returns to Shareholders
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Returns to Shareholders 18 We expect to increase dividends per share for the fourth consecutive term as core business profit increases steadily * If the stock split is not considered (After the split is considere
Slide 20: Reduction of Cross-Shareholdings
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Reduction of Cross-Shareholdings 19 We will continue to actively engage in dialogue with companies in which we hold shares in an effort to reduce such holdings with the aim of improving capital efficiency With im
Slide 21: (Reference) Stock Split and Shareholder Benefit Program
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material (Reference) Stock Split and Shareholder Benefit Program 20 We will prepare an environment that facilitates more investment by investors and enhance stock liquidity Stock split Shareholder benefit program ⚫ Implem
Slide 22: 03_Initiatives Aimed at Increasing Corporate Value
21 03_Initiatives Aimed at Increasing Corporate Value Analysis of the Current Situation (ROE, PBR) P.22 Equity Story P.28 Target ROE Index P.23 Track Record in Growth Strategy P.29 Logic Tree P.24 Management Resources_Improvement of P.30 Productivity Balance Sheet Management P.25 (Reference) Initiat
Slide 23: Analysis of the Current Situation (ROE, PBR)
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Analysis of the Current Situation (ROE, PBR) 22 PBR has improved significantly as ROE has risen and remained at around 1.1x as of May 2026 ROE (consolidated) Regional bank comparison_ROE:PBR * Bank survey based o
Slide 24: Target ROE Index
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Target ROE Index 23 We achieved the FY2026 target of an ROE of 8% or more ahead of schedule and aim to achieve our medium- to long-term ROE target of 10% or more as early as possible 6th medium-term management pl
Slide 25: Logic Tree
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Logic Tree 24 We focused on improving capital efficiency, resulting in both ROE and PER rising. We aim for PBR of 1x or higher Major Initiatives • Loans increased steadily centered on the Osaka area (+202.0 billi
Slide 26: Balance Sheet Management
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Balance Sheet Management 25 We focus on capturing deposits with high stickiness amid loans to SMEs, which can be a growth engine, expanding steadily Yen balance sheet (Non-consolidated/Selected main items) Assets
Slide 27: Initiatives Aimed at Increasing RORA
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Initiatives Aimed at Increasing RORA 26 RORA for each asset is on a steady upward trend. We revised guideline interest rates and strengthened pricing Status of RWA allocation and RORA trend Status of allocation T
Slide 28: Deposit Strategy
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Deposit Strategy 27 With both individual and corporate deposits increasing steadily, we continue to focus on enhancing deposit stickiness by promoting main banking relationships Trend in balance by area Details o
Slide 29: Equity Story
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Equity Story 28 Focus on the SME sector, in which the bank’s strength has lain throughout its history and aim for further growth by using a stable Wakayama and a growing Osaka as the bases Transition of Medium-Te
Slide 30: Track Record in Growth Strategy
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Track Record in Growth Strategy 29 Results are growing steadily by investing resources in the Osaka area, and market potential is high and expected to grow further Status of human resources In a negative interest
Slide 31: Management Resources_Improvement of Productivity
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Management Resources_Improvement of Productivity Quantity 30 We drive initiatives to improve productivity, aimed to secure management resources for growth areas in the next Medium-Term Management Plan Link with m
Slide 32: (Reference) Initiatives for Use of AI
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material (Reference) Initiatives for Use of AI 31 FY2026 will be a period of expanded AI utilization, broadening the range of tools deployed, with a long-term aim of in-house development Roadmap for use of AI PHASE Establ
Slide 33: Management Resources_Greater Sophistication of Human Capital Management
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Management Resources _Greater Sophistication of Human Capital Management Quality 32 Expand human capital investment for developing high-quality solution sales personnel (Premium Personnel) Core business added val
Slide 34: Sustainability Strategy
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Sustainability Strategy 33 The number of users of Key Site exceeded expectations significantly, and steady progress was made towards the resolution of materiality issues. Status of initiatives at Key Site Promoti
Slide 35: 04_Reference Material
34 04_Reference Material Management Foundations P.35 Group Strategy_Kiyo Information Systems P.41 Market Share P.36 Group Strategy_Kiyo Lease and Kiyo Capital P.42 Management Kiyo Bank Group’s Strengths P.37 Human Capital Management P.43 7th Medium-Term Management Plan P.38 Strategic IR P.44 7th Med
Slide 36: Management Foundations
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Management Foundations 35 The Osaka area has already been positioned as our “home market” in terms of both hardware and software (i.e., physical infrastructure such as our branch network and organizational resour
Slide 37: Market Share
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Market Share 36 We aim to further increase the market share in the Osaka area by leveraging the stable transaction base in the Wakayama area Share of deposits and loans within business areas* Share of customers w
Slide 38: Kiyo Bank Group's Strengths
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Kiyo Bank Group’s Strengths 37 Analyze and define the bank’s competitive advantages anew in order to maximize its strengths in the next Medium-Term Management Plan Re-definition of strengths toward the next Mediu
Slide 39: 7th Medium-Term Management Plan
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material 7th Medium-Term Management Plan 38 Expand the business model from one centered on SME lending to one encompassing all customer transactions Basic policy Co-create value with local communities by fulfilling our ro
Slide 40: 7th Medium-Term Management Plan_Target Management Indicators
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material 7th Medium-Term Management Plan_Target Management Indicators 39 We achieved the final year targets for ROE and profit indicators ahead of schedule ROE < consolidated > Profit attributable to owners of parent < co
Slide 41: Core Customer Strategy
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Core Customer Strategy 40 The number of core customers and revenue per customer are increasing steadily, driving strong core business revenue. Core customer strategy Number of core customers • We introduced a cor
Slide 42: Group Strategy_Kiyo Information Systems
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Group Strategy_Kiyo Information Systems 41 The company has one of the largest workforces among regional bank-affiliated systems companies and differentiates the Bank from its peers by providing IT consulting and
Slide 43: Group Strategy_Kiyo Lease and Kiyo Capital Management
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Group Strategy_Kiyo Lease and Kiyo Capital Management 42 In the leasing business, lease receivables balance increased steadily, and in the fund business, the subsidiary supports local companies in their business
Slide 44: Human Capital Management
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Human Capital Management 43 Expand human capital investment and build a targeted human resource portfolio for sustainable growth Positive human capital investment Employee engagement score • We have been hiring n
Slide 45: Strategic IR
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Strategic IR 44 We established a new IR Promotion Office in April 2026 to further strengthen engagement activities with investors State of initiatives Fiscal year 2023 Fiscal year 2024 Fiscal year 2025 • General
Slide 46: Sustainability KPIs
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Sustainability KPIs 45 Sustainability KPIs are steadily progressing, and targets have been revised upward for items that exceeded the plans FY2026: The final year FY2032: The year of Sustainability KPIs Materiali
Slide 47: Trends in Main Figures
Financial Results Overview Capital Policy Increasing Corporate Value Reference Material Trends in Main Figures 46 [P/L] Non-consolidated 2016/3 2017/3 2018/3 2019/3 2020/3 2021/3 2022/3 2023/3 2024/3 2025/3 2026/3 (100 million yen) Gross business profit 560 493 488 477 514 529 510 258 428 501 626 Ne
Slide 48: ⚫ This document has been prepared aimed at the provision of information only and
⚫ This document has been prepared aimed at the provision of information only and does not solicit the purchase or sale of any specific securities. ⚫ All or part of the information stated in this document is subject to revision or change without notice. ⚫ This document contains statements regarding f