Yamagata Bank, Ltd. · TSE:8344
Yamagata Bank — FY2024 Earnings Presentation
18 slides from Yamagata Bank's earnings presentation, March 2025
Slide 1: 20257 sz traithA
20257 sz traithA BS if PES LF RAT
Slide 2: Contents
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 AAP O me ON AU RWN PB oO
Slide 3: Income statement summary
32) 33 34) 35 FAROE C3) (air : BAF) 20207 2021 2022 20234 202446 ASIC Ped 25,574 27,202 24,294 17,595 20,211 2,615 Apres 23,740 26,951 28,387 28,874 26,352 A 2,521 BEANS SARE 3,012 3,431 3,355 3,700 4,155 455 COnSA a a 1,179 4 3,181 A 7,448 a 14,979 ‘& 10,296 4,682 Bee ed a 764 a 2,614 A 5,802 4 11,
Slide 4: Profitability ratios and ROE
AO OHERS (BAZ + %) 202048 2021438 202248 2023438 202448 ACEI Bue A 0.97 0.94 0.98 1.00 1.03 0.03 Alar B 0.95 1.14 1.42 1.57 1.18 A 0.39 BEAD Cc 0.95 0.90 1.08 1.14 1.03 40.11 FAS SFI] D 0.02 0.02 0.08 0.09 0.12 0.03 EE E 0.80 0.76 0.70 0.69 0.70 0.01 AES ih F=D+E 0.82 0.78 0.78 0.78 0.82 0.04 BEH2Fl
Slide 5: Capital adequacy ratio
BCBAILBOUES (20244740. NW Ibo CBA eee) (SKE + %) 2020 20215 202205 202345 202405 BCAA HA) 10.34 9,94 10.25 9.90 9.80 (844i: BAA) IBAA (A) 141,333 142,939 144,731 144,470 146,395 PBN OREBRA 137,856 139,251 141,471 142,099 144,104 IP BACH ACNS MBAS SE 3,189 3,496 3,166 2,371 2,291 WCACHA NS ih A 287 1
Slide 6: Assets and securities breakdown
ERE, VAT SEMAEEA (447: BAA. %) (47 : BAA. %) neeaiom ue UZ0 SEHR Keaniom ue UR7 EEaHERA J 6 x | 156402 (8.02)| 4,315 ( 20.84)| | @ x | 173,551 (850)| 4,206 ( 20.51) a OR 5,232 (0.27)] 1,676 (8.09)| | @ # OR 5,310 (0.26)| 1,631 ( 7.95) ” # 15 ( 0.00) - ¢ -)] | am # 13 ( 0.00) - (+) e-RGR- OAR 373 ( 0
Slide 7: Asset quality and non-performing loans
(Ais XD all ies (7 : BAR) 20208 | 20218 | 202248 | 202358 | 202448 papet TERRELL BRKT 1,732 1,273 1,390 2,111 2,042 0.10% a 69 RABE 3,860 1,423 1,236 1,667 1,700 0.08% 33 TREES: 11,668 11,557 11,521 10,244 10,121 0.49% A 123 Bret 57,689 56,692 57,267 43,989 48,408 2.33% 4,419 Beene 8,720 9,230 11,38
Slide 8: Loans by industry and region
(BBBABN—A) BAR DEEAR <20243A > <202543A > (BeAr 96) (BAA : 96) BERD Foe IEMA meee BewA RAMA TBE AG torte SYIPIF | SYIVIY TERS 6,619 5,972 118 9 3 5 6 506 141 LOWES 452 62 332 20 9 3 5 21 62 37 Res 75 4 12 50 4 2 1 2 16 7 BEERS TE 151 2 11 2 109 7 3 17 15 10 RERGEAC 48 2 0 0) 3 25 3 15 5 3 BAEZ 29 0
Slide 9: Deposits breakdown
FAEOHES (NCDERE) (HAT : BA. %) 20202 202147 2022472 202342 202447 EE RK iB ARR SBE ARS SBE ARR pepe RR ta BES 2,581,043 13.75] 2,709,490 4.98] 2,748,306 1.43] 2,776,390 1.02] 2,849,879 2.65 A 1,724,973 7.73] 1,793,781 3.99] 1,845,536 2.89] 1,881,604 1.95] 1,927,668 2.45 ABBA 568,318 18.72] 582,276 2
Slide 10: Customer assets balance
FAO Sa i (RIRA-A) (347: BFA) 20204 20217 20224 20234 20244 peditictin 57,959 67,013 68,872 85,838 92,112 DHE 24,589 23,193 33,190 30,635 30,404 Hapalr 195,913 200,887 201,478 218,531 220,057 JANOSRAR Aa 278,461 291,093 303,540 335,004 342,573 SARIS, SURIVRRERML THDET
Slide 11: Loan balances
BWEOHE (447 | BAA. %) 20204 20215 2022 2023 20244 RE Hei RK Bi) Sg RG tee RR Hee RK Hes CAME 1,748,110 1.52] 1,716,804] 1.79] 1,801,193 4.92] 1,950,655 8.30] 2,040,789 4.62 chi PseS 1,128,209 3.52] 1,124,557| 4 0.32| 1,119,107/ 0.48] 1,163,412 3.96] 1,262,367 8.51 CDW 535,423 8.18] 538,669 0.61} 534
Slide 12: Monthly trend chart
LUAZIRAO FASE OTE <PARIHHONAT, SHAS ELS eK > 72000 » LUVRAORSE (REEES0) o 70,000 || SSS -O- wt (GER) | ® 68,000 3 66,000 ‘ 64,000 4 62,000 d li itt 3 9 60,000 4 BPO A LZ! o ee TTT LAAIUOOEEETIOOAA HTL 7 56,000 a4 2020/1 5 9 2021/1 5 9 2022/1 5 9 2023/1 5 9 2024/1 «5 (AR) (a3) shack iseuspeee eo 35,0
Slide 13: Loan portfolio detail
WAAR LOW HORTA RUE AB fER E=tivg 2H) UFZ BHci00 (hear A 202546 | kni 377,976 9,323 2.5 786 0.2 8.4 #8 AO con eis 2024 | A | 123,801,750] 1,010,776 0.8] 1,096,168 0.9 108.4 tH fe Mh usiserxem)| 2024 | thee 60,779,141 422,118 0.7 543,162 0.9 128.7 IBAA 20222 | (A 5,672,689 43,404 0.8 50,090 0.9 115.4
Slide 14: Regional data (1)
ZEROES AER (1) <ADBRR> <4 > <Si> Bl ifstAO ULE IR — bras AA (Rise) AB AtiweR Bye. . Aall pane 3 BUC | AABDAR | theeepek | aR SS s ue 16 eae BAG BUELL rw % Xx A | 2020%=100 % % % % % BAA % 20215 1,054,729 41.25) 410,018} « 3,280 109.1 9.1 11.0 11.6 20.7 41.8 62,467 a4 10.2 20225 1,040,971 41.30 410,5
Slide 15: Regional data (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 % 2021 139,783 40.6 36,734 44.6} 355,422 7.7 5,187 3.6] 403,848 40.3} 180,108 A1.6 2022 139,134 40.
Slide 16: Regional data (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 % 2021 41 3 7,934 12.3 1.28 0.13 99.2 20.8 104.1 4.2 100.0
Slide 17: Regional data (4)
{lhetho= Bea <AD IED <2 > <eeIMe> <FEFBIBSS> <IBLASNEE> 7 = = HtTAD nema | Mameemmar |, TORMEEE | ante Meisel 2 asl | 20) wet amoe tame) som BEN ante acess aieett oN % Ne X | 2020%=100 % FP % Gi ricean A % 2021 1,097,237 0.05| & 2,242 2,775 108.7 8.7 9,754 14.4 1.39 0.03) 297,733 4.3 2022 1,099,239
Slide 18: Monthly trend charts
BABS OR MR SRADRO RRM ESSO 1 AITO, 20245 EIS AIEEE Aso SR FIARDI (202546 Ae Fill) 20 SENT ADIOHES Al=] ULF] (BEL 965 RDN) 10 2024 2025 | (Fill) 3A 6A 9A 12A 3A 6A 0 SER ais} a2 4 5 4 1 BSS 417) ail} a12 a5 aS a5 410 jeEBE | «13 6 20 15 13 7 “20 (28) (BEL 965 RN) 202445 2025 | (Fall) 3A 6A 9A 12A 3A