Tochigi Bank, Ltd. · TSE:8550
Tochigi Bank — FY2021 Earnings Presentation
31 slides from Tochigi Bank's earnings presentation, March 2022
Slide 1: Financial Results Presentation Materials for the Fiscal Year Ended March 31, 2022
Financial Results Presentation Materials for the Fiscal Year Ended March 31, 2022
Slide 2: Contents
Contents 1. Overview of Financial Results ・・・・・ P. 2 2. Overview of the 10th Medium-term Management Plan ・・・・・ P. 15 3. Progress on the 10th Medium-term Management Plan ・・・・・ P. 18 4. Initiatives in Sustainability ・・・・・ P. 24 1
Slide 3: Overview of Financial Results
Overview of Financial Results 2
Slide 4: Overview of Financial Results
Overview of Financial Results (Billion yen) [Non-consolidated] 2021/3 2022/3 Change % Change [Main Points on Non-consolidated Financial Results] Gross operating profit 29.1 26.9 (2.2) (7.6%) ● Non-consolidated core net business profit in the fiscal year ended March 31, 2022 increased 5% YoY. The gro
Slide 5: Net Interest Income
Net Interest Income ● Interest on loans and discounts decreased 500 million yen from the previous (Billion yen) 2021/3 2022/3 Change % Change fiscal year, owing to the decline in the average balance and in interest rates. This reflects the somewhat lower demand for funds in comparison with the Net i
Slide 6: Core Net Business Profit
Core Net Business Profit (Note 1) Substantial net business profit = Net business profit (before (Billion yen) 2021/3 2022/3 Change % Change provision to general allowance for loan losses) (Note 2) Core net business profit = Substantial net business profit - Substantial net business profit (Note 1) 6
Slide 7: Deposits and CDs
Deposits and CDs ● Tochigi Bank deposits show an increase mainly in personal deposits (Billion yen) 2021/3 2022/3 Change % Change from the locally rooted business base. Deposits and CDs 2,937.7 3,018.3 +80.6 +2.7% ● Corporate deposits have been increasing, due in part to efforts to boost liquidity a
Slide 8: Loans and Bills Discounted
Loans and Bills Discounted ● The balance of loans and bills discounted decreased by 7.8 billion yen (Billion yen) 2021/3 2022/3 Change % Change in the fiscal year ended March 31, 2022. This was partially due to lower demand for funds compared to the previous fiscal year, when there was Loans and bil
Slide 9: Deposit Assets
Deposit Assets ● The balance of deposit assets is increasing mainly in investment trusts (Billion yen) 2021/3 2022/3 Change % Change due to our efforts to support asset formation over the medium and long Deposit assets 374.7 398.3 +23.6 +6.2% term to prepare for the centenarian era and instill the p
Slide 10: Securities
Securities (Billion yen) 2021/3 2022/3 Change % Change ● Valuation losses on other securities are expanding due to continued high volatility stemming from forecast fiscal policies in Europe and the Total securities 581.2 606.9 +25.7 +4.4% U.S. and the unstable political climate. The expansion in val
Slide 11: Expenses
Expenses (Billion yen) 2021/3 2022/3 ● Expenses are declining due to improved operating efficiency in branch Change % Change offices, concentration of administrative work at the Head Office, and Total expenses 22.6 22.1 (0.5) (2.1%) office network restructuring. ● Expenses in the fiscal year ended M
Slide 12: Status of Loans Based on the Banking Act and Financial Reconstruction Act
Status of Loans Based on the Banking Act and Financial Reconstruction Act (Billion yen) 2021/3 2022/3 ● Loans based on the Banking Act and Financial Reconstruction Act Change % Change are generally trending flat. 46.0 44.4 (1.6) (3.3%) ● Loans based on the Banking Act and Financial Reconstruction Ac
Slide 13: Shareholder Returns Policy
Shareholder Returns Policy Shareholder Returns Policy (formulated in May 2022) The Bank’s basic policy is to continue to pay shareholders consistent dividends while working to maintain sound management and enhance internal reserves to earn the trust of our customers and everyone in the local communi
Slide 14: Capital Adequacy Ratio and ROE
Capital Adequacy Ratio and ROE ● The consolidated capital adequacy ratio for the fiscal year ended March 31, (Billion yen, %) 2021/3 2022/3 Change 2022 improved from the previous fiscal year. This improvement resulted mainly from an increase in equity capital due to the accumulation of Consolidated
Slide 15: Financial Results Forecast
Financial Results Forecast (Billion yen) [Non-consolidated] 2022/3 2023/3 Change % Change [Main Points of Non-consolidated Forecast] ● The Bank expects interest on loans and discounts to be on par Gross operating profit 26.9 27.5 +0.6 +2.5% with the previous fiscal year. However, we expect a decreas
Slide 16: Overview of the 10th Medium-term Management Plan
Overview of the 10th Medium-term Management Plan 15
Slide 17: Overall Image of the Medium-term Management Plan
Overall Image of the Medium-term Management Plan ■ We will contribute to the creation of a prosperous regional community and aim to be a reliable bank. Management ■ We will develop as a financially sound bank that can flexibly cope with a new era. Philosophy ■ We will create workplace that can provi
Slide 18: Medium-term Management Plan Numerical Targets
Medium-term Management Plan Numerical Targets (for Reference) Target in Final Fiscal Year Results of Previous Medium-term Item Fiscal Year Ended March 31, Management Plan (ending March 31, 2023) 2022 Results (Fiscal year ended Mar. 31, 2020) Profit ¥2.5 billion ¥ 3.6 billion ¥ 1.8 billion (Consolida
Slide 19: Progress on the 10th Medium-term Management Plan
Progress on the 10th Medium-term Management Plan 18
Slide 20: Evolution Into a Bank That Excels in the Resolution of Issues
[Theme 1] Enhancement of value offered to customers by making the most of our consulting function 1-1. Evolution Into a “Bank That Excels in the Resolution of Issues” We aim to evolve into a “bank that excels in the resolution of issues.” We are producing results aimed at establishing a customer sup
Slide 21: Asset Management Support for Individuals
[Theme 1] Enhancement of value offered to customers by making the most of our consulting function 1-2. Asset Management Support for Individuals Generation 20s 30s 40s 50s 60s 70s & up We are strengthening the system for ＆ life stage Work Marriage Child-rearing Retirement Life after retirement suppor
Slide 22: Initiatives Aimed at Promoting the Advancement of Women
[Theme 2] Development of customer-oriented human resources 2-1. Initiatives Aimed at Promoting the Advancement of Women ▼ Council for Promoting the Advancement of Women (consists of 10 women at the Head Office) *as of March 31, 2021 We are pursuing initiatives aimed at promoting the advancement of w
Slide 23: Initiatives Aimed at Successful Management of Human Capital
[Theme 2] Development of customer-oriented human resources 2-2. Initiatives Aimed at Successful Management of Human Capital We aim to evolve into a “bank that excels in the resolution of issues” and are working to develop specialists who are highly knowledgeable in each field to achieve customer ori
Slide 24: Improving Efficiency of Branch Office Operations and Branch Network
[Theme 3] Establishment of a sustainable management base that supports customers 3. Improving Efficiency of Branch Office Operations and Branch Network Improving Efficiency of Branch Office Operations Improving Efficiency of Branch Network ▼ From April 2020 to November 2021 We are working to improve
Slide 25: Initiatives in Sustainability
Initiatives in Sustainability 24
Slide 26: Tochigi Bank Declaration on SDGs
Initiatives in Sustainability (1) Tochigi Bank Declaration on SDGs We announced the Tochigi Bank Declaration on SDGs and concrete initiatives in August 2019. We want to create a sphere of harmonious co-existence ▼ Vision of the Tochigi Bank Group that generates a virtuous cycle locally by adopting a
Slide 27: Sustainability Policy, etc.
Initiatives in Sustainability (2) Sustainability Policy, etc. Formulated the Sustainability Policy in December 2021 Formulated the Three Basic Policies, Based on the Sustainability Policy Sustainability Policy Environmental Policy Human Rights Policy The Tochigi Bank Group considers environmental an
Slide 28: Response to Climate Change Risks
Initiatives in Sustainability (3) Response to Climate Change Risks The Bank endorsed the Task Force on Climate-Related Financial Disclosures (TCFD) recommendations in December 2021. We work to enhance disclosure of information concerning climate change. Based on the TCFD recommendations, we aim to r
Slide 29: Promoting Sustainable Local Development Using Local Resources
(Example) Promoting Sustainable Local Development Using Local Resources ― Growing Oya Summer Strawberries FY2020 Cabinet Office Minister of State Local resources were used to create a (for Regional Revitalization) Award for distinguished initiatives, etc. in financing commercial energy-saving greenh
Slide 30: Status of Other Initiatives in Promoting Sustainability
Status of Other Initiatives in Promoting Sustainability ESG/SDGs financing Record of lending Lending target & result (Total for FY2019 to FY2021) to start-ups and new businesses (Total for FY2015 to FY2021) Target ¥75 billion/ Results ¥98.4 billion 2,929 loans/¥28,609 million Tochigi Bank SDGs Numbe
Slide 31: Contact for inquiries on these materials
Contact for inquiries on these materials: Corporate Planning Division: Nakada, Saito, and Iwamoto Tel.: + 81-28-633-1455 e-mail: keieikikaku@tochigibank.co.jp