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 original shall prevail.
Results for the Fiscal Year Ended March 31, 2025
IR Presentation
Materials were prepared for the Bank's presentation of its results for the fiscal year ended
March 31, 2025 held on June 3, 2025.
June 3, 2025
01
Achieved record-high profit for the fourth consecutive
fiscal year, aiming to achieve new highs in FY2025
IR Presentation Key Points
✔ Interest on loans and bills discounted, fees and commissions, and other income have increased to the highest levels ever thanks to consulting sales
✔ Aim for record-high profit again in FY2025, mainly through improved yields of loans and bills discounted
02
Initiatives under "Vision 2030" to improve productivity
✔ Continue to improve income from customer services and core OHR by achieving top-line growth and controlling expenses
✔ Dramatically improve productivity while maintaining human capital investment and
investment in systems
03
Execute a simulation of FY2030 reflecting changes in
financial policy and other factors
✔ Both profit and ROE are expected to rise, mainly due to net interest income, after reflecting changes in financial policy and other factors
✔ We plan to revise our financial targets under "Vision 2030" in FY2025 together with the mid-term review, including strategies for the future
1. Financial Summary | ・・・ | 3 |
2. Projected Performance | ・・・ | 14 |
3. The 77 Bank Group's Value Enhancement | ・・・ | 19 |
4. Business Strategy | ・・・ | 29 |
Table of Contents
01
Financial Summary
Non-consolidated | (Unit: JPY | bn, %) | FY2023 | FY2024 | YoY Amount | change | % | ||||
Gross operating profit | 80.1 | 85.6 | 5.5 | 6.8 | |||||||
Net interest income | 93.4 | 103.9 | 10.5 | 11.2 | |||||||
Net fees and commissions income | 13.0 | 14.5 | 1.5 | 11.9 | |||||||
Net other operating income | (26.3) | (32.8) | (6.5) | ||||||||
Expenses | 49.0 | 48.4 | (0.6) | (1.2) | |||||||
Substantial net operating income | 31.1 | 37.2 | 6.1 | 19.5 | |||||||
[ Core net operating income | ] | [ 44.9 | ] | [ 58.3 | ] | [ 13.4 | ] | [ 29.9 | ] | ||
[ Core net operating income (excl. gains (losses) on cancellation of investment trusts) | ] | [ 35.2 | ] | [ 12.0 | ] | [ 34.2 | ] | ||||
[ 47.2 | ] | ||||||||||
- | |||||||||||
Provision of general reserve for loan losses | 3.9 | (3.9) | |||||||||
Net operating income | 27.2 | 37.2 | 10.0 | 36.7 | |||||||
Special income and losses | 15.3 | 17.7 | 2.4 | ||||||||
Ordinary profits | 42.5 | 54.8 | 12.3 | 29.0 | |||||||
Extraordinary gains/losses | (0.0) | (0.0) | 0.0 | ||||||||
Profit | 28.8 | 38.6 | 9.8 | 33.8 | |||||||
After excluding foreign currency-denominated procurement costs Consolidated | 9.8 | 18.7 | 8.9 | ||
Ordinary profits | 44.2 | 56.3 | 12.1 | 27.2 | |
Profit attributable to owners of the parent | 29.8 | 39.3 | 9.5 | 31.7 | |
Summary of Profits and Losses
Credit-related expenses | 3.7 | (0.1) | (3.8) | |
Total gains (losses) from securities | 45.6 | 44.1 | (1.5) | |
After excluding procurement costs | 34.3 | 31.6 | (2.7) | |
Income from customer services | 13.8 | 22.5 | 8.7 |