Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — FY2025 Earnings Presentation
9 slides from Hyakugo Bank's earnings presentation, Jun 2, 2026
Slide 1: Financial Highlights (Consolidated)
Financial Highlights (Consolidated) Summary of FY 3/2026 Financial Results (100 million yen) FY 3/25 FY 3/26 YoY change (100 million yen) FY 3/25 FY 3/26 YoY change Gross operating income (1) 672 648 (24) Interest and dividend on securities 271 339 +67 Of which, gain and loss from Interest income 66
Slide 2: Interest Income (Non-Consolidated)
Interest Income (Non-Consolidated) An increase in interest on loans and securities contributed to higher interest income of 16.8% year-on-year Factors underlying changes in interest income (head office and all branches) ■ Deposit-loan yields ■ Returns on securities (Domestic) investments (Domestic)
Slide 3: Deposits, Etc. (Non-Consolidated)
Deposits, Etc. (Non-Consolidated) *Including NCDs Deposits, etc. increased 1.7% year-on-year due to an increase in corporate deposits Total deposits (average balance) by area ■ Individual and corporate deposits (average balance) (100 million yen) (100 million yen) +1.7% FY 3/25 FY 3/26 YoY change Mi
Slide 4: Loans (Non-consolidated)
Loans (Non-consolidated) Loans increased 2.5% year-on-year due to growth in housing loans in Aichi Prefecture Total loan balance (average balance) Loan balance by segment (average balance) (100 million yen) (100 million yen) Mie Aichi Tokyo, Osaka Investment Finance Division FY 3/25 FY 3/26 YoY chan
Slide 5: Interest Rate Pass-Through Status (Non-Consolidated)
Interest Rate Pass-Through Status (Non-Consolidated) ■Composition of yen-denominated loans Interest rate pass-through status for business loans Loans linked to Other (overdrafts, market interest etc.) rates FY 3/24 FY 3/25 FY 3/26 1.5% FY 3/24 FY 3/25 FY 3/26 13.5% Loans linked to prime rates (avera
Slide 6: Securities (Non-Consolidated)
Securities (Non-Consolidated) Secured 210.8 billion yen of unrealized gains on securities through portfolio management focused on asset allocation Securities balance ■ Durations and yields <Duration> (Year) <Yield> (%) Government bonds Municipal bonds Corporate bonds Stocks 6.11 5.66 5.67 5.55 5.42
Slide 7: Fees and Commissions (Non-consolidated)
Fees and Commissions (Non-consolidated) Fees and commissions decreased 13.4% year-on-year due to a decrease in housing-loan-related fees resulting from a revision of housing loan acquisition targets Fees and commissions Major factors underlying changes (FY 3/25 → FY3/26) (100 million yen) Corporate
Slide 8: Expenses (Non-Consolidated)
Expenses (Non-Consolidated) Expenses grew 6.3% year-on-year due to the implementation of base salary increases and DX investments Expenses ■ Core OHR (6.49) P (100 million yen) Personnel expenses Non-personnel expenses Taxes 62.24% 63.78% 60.89% 59.61% 56.30% +25 53.12% 458 425 26 401 396 400 387 29
Slide 9: Credit Costs (Non-consolidated)
Credit Costs (Non-consolidated) Decrease in the provision of specific allowance for loan losses caused a 9.9% year-on-year decrease in credit costs Credit costs ■ Non-performing loans ■ Non-performing loans ratio Provision of general allowance for loan losses Provision of specific allowance for loan