Hyakugo Bank, Ltd. · TSE:8368
Hyakugo Bank — Investor Presentation (2023)
10 slides from Hyakugo Bank's investor presentation, 2023
Slide 1: Appendix
Benes Appendix
Slide 2: 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 9/23 3/20 3/21 3/22 3/23 9/23 Corporate Corporate sector 2,038,320 2,211,389 2,230,098 2,361,962 2,401,40
Slide 3: 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 instruments brokerage (average balance) 5
Slide 4: Loans
Appendix Loans Total loans Mie Prefecture Aichi Prefecture Tokyo, Osaka 46,500 (average balance) 43,785 (100 million yen) 40,999 8,222 7,865 Loans to SMEs Mie Prefecture Aichi Prefecture Tokyo, Osaka 38,240 7,610 (average balance) 35,297 (100 million yen) 15,238 7,532 14,564 7,460 16,731 18,569 13,8
Slide 5: 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 267.1 billion yen and allocable capital of 180.0 billion yen, actual amount of risk is 65.9 billion yen. (100
Slide 6: Outstanding Nonperforming Loans by Disclosure Standard and Coverage
Appendix Outstanding Nonperforming Loans by Disclosure Standard and Coverage Loans disclosed under the Financial Reconstruction Act and risk-managed claims (target: total credit exposure) Nonperforming Loans under Internal Assessment Standard (target: total credit exposure) *Special attention loans,
Slide 7: Trends of Debtor Classification
Appendix Trends of Debtor Classification Upper: Number of debtors / Lower: Credit exposure (Million yen) Debtor Classification as of September 30, 2023 Ratio of Other under downgrading Under Possible Substantial Upgrade Downgrade Normal close Failure Other to possible control failure failure Bulk, e
Slide 8: Hyakugo Bank's Credit Policies
Appendix Hyakugo Bank’s Credit Policies Compliance with Hyakugo Bank’s credit policies (as of September 30, 2023) (100 million yen) Classification Content Limit Compliance Loans for individuals engaging in 7% or less of total loans 3,317 1,949 4.11% housing leasing business Loans for other real esta
Slide 9: 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 Mie 9.0 9.0 11.4 24.4 46.2 Prefecture 39.5 28.1 11.3 16.3 4.8 * Excludes Agricultural Cooperative, Fisheries Cooperative, JP
Slide 10: 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 service Services for individual and efficiency, while striving to secure further profits corporate customers outsi