Hachijuni Nagano Bank, Ltd. TSE:8359
Hachijuni Bank : Consolidated Financial Results for Three Months Ended June 30, 2025 （PDF：227KB）
Source: MarketScreener
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.
Consolidated Financial Results
for the Three Months Ended June 30, 2025 [Japanese GAAP]
August 1, 2025
Company name: The Hachijuni Bank, Ltd. Listing: Tokyo Stock Exchange
Securities code: 8359
URL: https://www.82bank.co.jp/ Representative: Masaki Matsushita,President
Inquiries: Takehiko Kimura,Executive Officer and Planning and Coordination Department Manager
Telephone: +81-26-227-1182
Scheduled date to commence dividend payments: -Trading accounts: Yes
Preparation of supplementary material on financial results: Yes Holding of financial results briefing: None
(Amounts and percentages listed in this document are rounded down to the nearest unit.)
Consolidated Financial Results for the Three Months Ended June 30, 2025 (April 1, 2025 to June 30, 2025)
Consolidated Operating Results (Percentages indicate year-on-year changes.)
Ordinary income
Ordinary profit
Profit attributable to owners of parent
Three months ended
June 30, 2025
June 30, 2024
Millions of yen
72,632
60,329
%
20.3
24.8
Millions of yen
23,140
16,889
%
37.0
41.7
Millions of yen
16,422
12,048
%
36.3
(53.7)
(Note) Comprehensive income:
Three months ended June 30, 2025:
¥
51,235 million [
-%]
Three months ended June 30, 2024:
¥
(20,034) million [
-%]
Basic earnings per share
Diluted earnings per share
Three months ended
Yen
Yen
June 30, 2025
35.62
35.60
June 30, 2024
25.01
24.99
Consolidated Financial Position
Total assets
Net assets
Capital adequacy ratio
As of
June 30, 2025
March 31, 2025
Millions of yen
13,608,976
13,515,316
Millions of yen
1,003,250
967,658
%
7.3
7.1
(Reference) Equity: As of June 30, 2025:
¥
999,459 million
As of March 31, 2025:
¥
963,361 million
(Note) "Capital adequacy ratio" is calculated by dividing (total equity at the end of the year − stock acquisition rights at the end of the year - noncontrolling interests at the end of the year) by total assets at the end of the year. "Capital adequacy ratio" herein is not the capital adequacy ratio specified by regulatory notices pertaining to the capital adequacy ratio.
Dividends
Annual dividends
1st quarter-end
2nd quarter-end
3rd quarter-end
Year-end
Total
Fiscal year ended March 31, 2025
Fiscal year ending March 31, 2026
Yen
-
-
Yen
13.00
Yen
-
Yen
29.00
Yen
42.00
Fiscal year ending March 31, 2026
(Forecast)
20.00
-
30.00
50.00
(Note) Revision to the forecast for dividends announced most recently: None
(Note) Breakdown of final dividend for the fiscal year ending March 31,2026 (forecast):
Year-end dividend Ordinary dividend: 25.00 yen Commemorative dividend: 5.00 yen
Consolidated Financial Results Forecast for the Fiscal Year Ending March 31, 2026(April 1, 2025 to March 31, 2026)
(Percentages indicate year-on-year changes.)
Ordinary profit | Profit attributable to owners of parent | Basic earnings per share | |||
Millions of yen 37,500 75,000 | % | Millions of yen 25,000 50,000 | % | Yen | |
Six months ending September 30, 2025 | 40.3 | 28.1 | 54.37 | ||
Full year | 17.4 | 4.2 | 108.74 | ||
(Note) Revision to the financial results forecast announced most recently: None
* Notes:
Significant changes in the scope of consolidation during the period: None
Adoption of accounting treatment specific to the preparation of quarterly consolidated financial statements: None
Changes in accounting policies, changes in accounting estimates, and restatement
Changes in accounting policies due to revisions to accounting standards and other regulations: None
Changes in accounting policies due to other reasons: None
Changes in accounting estimates: None
Restatement: None
Number of issued shares (common shares)
Total number of issued shares at the end of the period (including treasury shares): June 30, 2025: 493,767,424 shares
March 31, 2025: 493,767,424 shares
Number of treasury shares at the end of the period:
June 30, 2025: 33,985,851 shares
March 31, 2025: 32,238,561 shares
Average number of shares outstanding during the period:
Three months ended June 30, 2025: 460,989,423 shares
Three months ended June 30, 2024: 481,701,554 shares
Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: None
Proper use of earnings forecasts, and other special matters
Forecasts are based on information available to the Bank as of the date of publication of this document and on certain assumptions deemed reasonable, and do not represent any guarantee of future performance. Actual results may differ materially from the forecasted figures due to various factors in the future.
Table of Contents of the Attached Materials
Overview of Operating Results, etc 2
Overview of operating results for the first quarter of the fiscal year
Overview of financial position as of the end of the first quarter of the 143rd fiscal year
Explanation of forward-looking information, including consolidated financial forecasts
Quarterly Consolidated Financial Statements and Major Notes 3
Quarterly consolidated balance sheets
Quarterly consolidated statements of income and comprehensive income 5
Notes to quarterly consolidated financial statements 7
(Notes on entity's ability to continue as going concern)
(In the event of a significant change in the amount of shareholders' equity) (Notes on segment information, etc.)
(Notes on the statement of cash flows) 8
* First Quarter of Fiscal Year 2025 Financial Results
Overview of Operating Results, etc.
Overview of operating results for the first quarter of the fiscal year
The consolidated operating results for the first quarter are as follows:
Ordinary income increased by 12,302 million yen year on year to 72,632 million yen. This increase was mainly due to higher interest income, gains on the sale of equity securities (other income), and gains on the sale of government bonds (other ordinary income).
Ordinary expenses increased by 6,051 million yen year on year to 49,491 million yen. This increase was primarily due to higher losses on the sale of government bonds (other ordinary expenses), interest expenses and losses on the sale of equity securities (other expenses).
As a result, ordinary profit increased by 6,250 million yen year on year to 23,140 million yen, and profit attributable to owners of parent increased by 4,374 million yen year on year to 16,422 million yen.
Regarding performance by reportable segment, segment profit in the banking business increased by 6,425 million yen year on year to 22,477 million yen, while segment profit in the leasing business decreased by 107 million yen year on year to 515 million yen.
Overview of financial position as of the end of the first quarter of the 143rd fiscal year
The Bank's consolidated financial position as of the end of the first quarter is as follows:
Total assets increased by 93.6 billion yen from the end of the previous fiscal year to 13,608.9 billion yen, primarily due to an increase in deposits due from the Bank of Japan (cash and due from banks). Liabilities increased by 58.0 billion yen from the end of the previous fiscal year to 12,605.7 billion yen, despite a decrease in borrowings from the Bank of Japan (borrowed money), due to an increase in negotiable certificates of deposit. Net assets increased by 35.5 billion yen from the end of the previous fiscal year to 1,003.2 billion yen, mainly due to an increase in the valuation difference on available-for-sale securities and deferred gains or losses on hedges.
Other main accounts are as follows:
Loans and bills discounted decreased by 46.8 billion yen from the end of the previous fiscal year to 6,414.7 billion yen, due to a decrease in loans to the Ministry of Finance, despite an increase in funds to businesses outside Nagano Prefecture.
Securities increased by 16.3 billion yen from the end of the previous fiscal year to 3,423.0 billion yen, due to increases in stocks and national government bonds.
Deposits increased by 0.1 billion yen from the end of the previous fiscal year to 9,549.6 billion yen, as corporate and personal deposits remained strong, despite a decrease in public deposits.
Explanation of forward-looking information, including consolidated financial forecasts There are no changes to the consolidated earnings forecast announced on May 9, 2025.
Note: The above forecast is based on information available as of the date of this document's release and certain assumptions deemed reasonable by the Bank. It does not guarantee actual performance. Actual results may differ from the forecast due to various factors in the future.
Quarterly Consolidated Financial Statements and Major Notes
Quarterly consolidated balance sheets
(Millions of yen)
As of March 31, 2025 As of June 30, 2025
Assets
Cash and due from banks
3,027,055
3,129,096
Call loans and bills bought
11,958
11,369
Monetary claims bought
105,003
100,000
Trading account assets
38,602
36,487
Money held in trust
78,761
78,586
Securities
3,406,740
3,423,093
Loans and bills discounted
6,461,544
6,414,736
Foreign exchanges
18,482
15,616
Lease receivables and investments in leases
96,629
97,715
Other assets
156,648
182,364
Tangible fixed assets
38,628
38,614
Intangible fixed assets
4,076
3,968
Retirement benefit asset
64,335
64,796
Deferred tax assets
1,698
1,777
Customers' liabilities for acceptances and guarantees
60,149
66,278
Allowance for loan losses
(55,000)
(55,527)
Total assets
13,515,316
13,608,976
Liabilities
Deposits
9,549,428
9,549,606
Negotiable certificates of deposit
218,447
277,377
Call money and bills sold
593,483
599,820
Securities sold under repurchase agreements
127,391
141,138
Cash collateral received for securities lent
97,492
88,544
Trading account liabilities
6,945
6,863
Borrowed money
1,581,461
1,524,482
Foreign exchanges
2,431
1,990
Borrowed money from trust account
1,499
1,530
Other liabilities
167,558
190,987
Provision for share awards for directors (and other
officers)
90
85
Retirement benefit liability
11,233
10,457
Provision for reimbursement of deposits
351
351
Provision for contingent loss
1,719
1,670
Reserves under special laws
15
15
Provision for loss on cancellation of system contracts
2,058
2,058
Deferred tax liabilities
125,899
142,466
Acceptances and guarantees
60,149
66,278
Total liabilities
12,547,657
12,605,726
(Millions of yen)
As of March 31, 2025 As of June 30, 2025
Net assets
Share capital
52,243
52,243
Capital surplus
56,960
57,233
Retained earnings
579,909
582,914
Treasury shares
(25,397)
(27,468)
Total shareholders' equity
663,715
664,922
Valuation difference on available-for-sale securities
229,750
257,456
Deferred gains or losses on hedges
51,676
59,051
Remeasurements of defined benefit plans
18,218
18,028
Total accumulated other comprehensive income
299,645
334,536
Share acquisition rights
150
114
Non-controlling interests
4,147
3,676
Total net assets
967,658
1,003,250
Total liabilities and net assets
13,515,316
13,608,976
Quarterly consolidated statements of income and comprehensive income
Quarterly consolidated statement of income
For the three months ended June 30, 2025
(Millions of yen)
For the three months ended June 30, 2024
For the three months ended June 30, 2025
Ordinary income
60,329
72,632
Interest income
39,288
44,947
Interest on loans and discounts
17,536
19,936
Interest and dividends on securities
19,964
20,590
Trust fees
3
2
Fees and commissions
6,275
7,855
Gain on trading account transactions
68
107
Other ordinary income
11,506
14,304
Other income
3,187
5,414
Ordinary expenses
43,439
49,491
Interest expenses
10,952
12,460
Interest on deposits
1,404
4,537
Fees and commissions payments
1,646
1,548
Other ordinary expenses
9,572
12,755
General and administrative expenses
17,641
18,600
Other expenses
3,627
4,127
Ordinary profit
16,889
23,140
Extraordinary income
16
62
Gain on disposal of non-current assets
16
62
Extraordinary losses
84
23
Loss on disposal of non-current assets
13
5
Impairment losses
71
17
Profit before income taxes
16,820
23,179
Income taxes - current
4,280
6,001
Income taxes - deferred
426
678
Total income taxes
4,707
6,680
Profit
12,113
16,499
Profit attributable to non-controlling interests
65
76
Profit attributable to owners of parent
12,048
16,422
Quarterly consolidated statement of comprehensive income
For the three months ended June 30, 2025
(Millions of yen)
For the three months ended June 30, 2024
For the three months ended June 30, 2025
Profit
12,113
16,499
Other comprehensive income
(32,147)
34,736
Valuation difference on available-for-sale securities
(39,810)
27,552
Deferred gains or losses on hedges
8,457
7,374
Remeasurements of defined benefit plans, net of tax
(794)
(190)
Comprehensive income
(20,034)
51,235
Comprehensive income attributable to
Comprehensive income attributable to owners of parent
(20,147) 51,313
Comprehensive income attributable to non-controlling
interests
113
(77)
Notes to quarterly consolidated financial statements (Notes on entity's ability to continue as going concern)
Not applicable.
(In the event of a significant change in the amount of shareholders' equity) Not applicable.
(Notes on segment information, etc.) [Segment information]
Previous First Quarter Consolidated Cumulative Period (from April 1, 2024 to June 30, 2024)
Information on Ordinary Income and Profit or Loss by Reportable Segment
(Millions of Yen)
Reportable segment
Other
Total
Reconciliations
Consolidated
Banking
Leasing
Total
Ordinary income
Outside customers Intersegment
50,381
126
9,145
99
59,526
226
803
3
60,329
229
-
(229)
60,329
-
Total
50,507
9,244
59,752
806
60,558
(229)
60,329
Segment profit (loss)
16,051
622
16,674
193
16,867
21
16,889
(Notes)
Ordinary income is listed in place of net sales reported by general corporations.
The "Other" section is a business segment that is not included in the reportable segments and includes the securities business, the venture capital business, and other businesses.
Reconciliations for segment profit of 21 million yen are eliminations of intersegment transactions.
Segment profit is reconciled with the ordinary profit in the consolidated statement of income.
Current First Quarter Consolidated Cumulative Period (from April 1, 2025 to June 30, 2025)
Information on Ordinary Income and Profit or Loss by Reportable Segment
(Millions of Yen)
Reportable segment | Other | Total | Reconciliations | Consolidated | |||
Banking | Leasing | Total | |||||
Ordinary income Outside customers Intersegment | 62,415 179 | 9,474 90 | 71,890 270 | 742 6 | 72,632 276 | - (276) | 72,632 - |
Total | 62,594 | 9,565 | 72,160 | 748 | 72,908 | (276) | 72,632 |
Segment profit (loss) | 22,477 | 515 | 22,992 | 153 | 23,145 | (5) | 23,140 |
(Notes)
Ordinary income is listed in place of net sales reported by general corporations.
The "Other" section is a business segment that is not included in the reportable segments and includes the securities business, the venture capital business, and other businesses.
Reconciliations for segment loss of 5 million yen are eliminations of intersegment transactions.
Segment profit is reconciled with the ordinary profit in the consolidated statement of income.
（Notes on the statement of cash flows）
The quarterly consolidated statement of cash flows for the current first quarter consolidated cumulative period has not been prepared. However, depreciation expenses (including amortization of intangible fixed assets) for the first quarter consolidated cumulative period are as follows:
Depreciation Expenses:
Previous First Quarter Consolidated Cumulative Period(from April 1, 2024 to June 30, 2024) 1,553 million yen (Previous Period)
Current First Quarter Consolidated Cumulative Period(from April 1, 2025 to June 30, 2025) 1,482 million yen (Current Period)
FINANCIAL RESULTS FOR THE FIRST QUARTER OF
FISCAL YEAR 2025
( THE THREE MONTHS ENDED JUNE 30, 2025)
Table of Contents
１．Breakdown of Income for the First Quarter ‥‥‥‥‥‥‥‥‥‥ 1 of Fiscal Year 2025
Consolidated Non-consolidated２．Accounts of | Loans，Deposits | ‥‥‥‥‥‥‥‥‥‥ | 4 |
Total for the | two banks Non-consolidated |
３．Loans to Small and Medium-sized ‥‥‥‥‥‥‥‥‥‥ 5 Businesses, etc.
Total for the two banks Non-consolidated４．Balance of Personal Financial Assets Deposited ‥‥‥‥‥‥‥‥‥‥ 6
Total for the two banks Non-consolidated５．Loans based on the Financial ‥‥‥‥‥‥‥‥‥‥ 7 Revitalization Law
Total for the two banks Non-consolidated６．Valuation Gains (Losses) with Market Value ‥‥‥‥‥‥‥‥‥‥ 8
Consolidated Non-consolidated７．Capital Adequacy Ratio
１．Breakdown of Income for the First Quarter of Fiscal Year 2025
Consolidated (Unit: million yen) (Unit: million yen)Three months ended Jun.30, | Three months ended Jun.30, 2024 (b) | |||
2025 (a) | (a)-(b) | |||
Consolidated gross business profit | 40,494 | 5,515 | 34,978 | |
Profit on interest | 32,527 | 4,183 | 28,344 | |
Profit on fees and commissions | 6,309 | 1,677 | 4,632 | |
Trading profit | 107 | 39 | 68 | |
Profit from other business transactions | 1,549 | (384) | 1,934 | |
General & administrative expenses | 18,600 | 959 | 17,641 | |
Credit related expenses | 632 | 900 | (267) | |
Ordinary profit | 23,140 | 6,250 | 16,889 | |
Extraordinary gains (losses) | 39 | 107 | (68) | |
Profit before income taxes | 23,179 | 6,358 | 16,820 | |
Total income taxes | 6,680 | 1,973 | 4,707 | |
Profit | 16,499 | 4,385 | 12,113 | |
Profit attributable to non-controlling interests | 76 | 10 | 65 | |
Profit attributable to owners of the parent | 16,422 | 4,374 | 12,048 | |
［Published Forecast Value］ Six months ended Sep.30, 2025 |
37,500 |
25,000 |
Overview of the First Quarter of the 143rd Fiscal Year
(a）Ordinary Profit: Increased by 6.2 billion yen year on year to 23.1 billion yen, mainly due to the increase in profit of Hachijuni Bank on a non-consolidated basis.
(b）Profit attributable to owners of the parent: Increased by 4.3 billion yen yen year on year to 16.4 billion yen.
Ordinary profit | 62% |
Profit attributable to owners of the parent | 66% |
(Progress rate against second quarter cumulative forecast)
The Hachijuni Bank (Non-consolidated) (Unit: million yen)
Three months ended Jun.30, | Three months ended Jun.30, 2024 (b) | |||||
2025 (a) | (a)-(b) | |||||
Gross business profit | A | 35,744 | 6,117 | 29,626 | ||
Profit on interest | 30,719 | 4,905 | 25,814 | |||
Profit on fees and commissions | 4,487 | 1,742 | 2,745 | |||
Trading profit | 104 | 54 | 50 | |||
Profit from other business transactions | 432 | (583) | 1,016 | |||
Gains related to bonds | B | 96 | (115) | 212 | ||
General & administrative expenses | C | 15,738 | 1,396 | 14,342 | ||
Personnel expenses | 7,965 | 528 | 7,437 | |||
Non-personnel expenses | 6,318 | 624 | 5,693 | |||
Actual net business profit | A-C | 20,005 | 4,721 | 15,284 | ||
Core net business profit | A-B-C | 19,909 | 4,837 | 15,071 | ||
excluding gains (losses) on cancellation of investment trusts | 19,431 | 4,098 | 15,333 | |||
Transfer to general reserve for possible loan losses | D | 459 | 838 | (378) | ||
Net business profit | A-C-D | 19,546 | 3,883 | 15,662 | ||
Net gains (losses) related to equity securities | E | 3,549 | 2,406 | 1,143 | ||
Profit (loss) on money held in trust | F | (174) | 216 | (391) | ||
Disposal of nonperforming loans | G | 80 | (435) | 515 | ||
Transfer to (ｒeversal of) specific reserve | 3 | (420) | 424 | |||
Ordinary profit | 22,092 | 7,285 | 14,807 | |||
Extraordinary gains (losses) | 52 | 40 | 11 | |||
Profit before income taxes | 22,144 | 7,326 | 14,818 | |||
Total income taxes | 6,346 | 2,013 | 4,332 | |||
Profit | 15,798 | 5,312 | 10,486 | |||
Gains (losses) on investment securities | B+E+F | 3,471 | 2,507 | 963 |
Credit related expenses | D+G | 539 | 403 | 136 |
Overview of the First Quarter of the 143rd Fiscal Year
(a）Actual net business profit:Increased by 4.7 billion yen from the same period last year to 20.0 billion yen, mainly due to an increase in fund profits resulting from higher interest income from loans and due from banks.
(b）Ordinary profit:Increased by 7.2 billion yen from the same period last year to 22.0 billion yen, due to the increase in actual business profit and gains from the sale of stocks and other securities.
(c）Profit:Increased by 5.3 billion yen from the same period last year to 15.7 billion yen.
Gains or Losses on Investment Securities
The Hachijuni Bank (Non-consolidated) (Unit: million yen)
Three months ended Jun.30, | Three months ended Jun.30, 2024 (b) | |||
2025 (a) | (a)‐(b) | |||
Gains (losses) on bonds | 96 | (115) | 212 | |
Gain on sales | 4,428 | 2,792 | 1,635 | |
Gain on redemption | - | - | - | |
Loss on sales | 4,331 | 2,958 | 1,373 | |
Loss on redemption | - | - | - | |
Loss on devaluation | - | (49) | 49 | |
Gains (losses) on stocks and other securities | 3,549 | 2,406 | 1,143 | |
Gain on sales | 5,154 | 3,693 | 1,461 | |
Loss on sales | 1,604 | 1,402 | 202 | |
Loss on devaluation | - | (115) | 115 | |
Loss (gain) on money held in trust | (174) | 216 | (391) | |
Note: Gains and losses on sales of government bonds and other bonds include gains and losses on the cancellation of swaps used to hedge against the risk of long-term bonds.
The Nagano Bank (Non-consolidated) (Unit: million yen)Three months ended Jun.30, | Three months ended Jun.30, 2024 (b) | |||||
2025 (a) | (a)-(b) | |||||
Gross business profit | A | 1,601 | (194) | 1,796 | ||
Profit on interest | 1,678 | (485) | 2,164 | |||
Profit on fees and commissions | (75) | (80) | 4 | |||
Profit from other business transactions | (1) | 371 | (372) | |||
Gains related to bonds | B | (0) | 361 | (361) | ||
General & administrative expenses | C | 1,939 | (442) | 2,382 | ||
Personnel expenses | 808 | (447) | 1,256 | |||
Non-personnel expenses | 981 | 4 | 976 | |||
Actual net business profit | A-C | (338) | 247 | (586) | ||
Core net business profit | A-B-C | (338) | (113) | (224) | ||
excluding gains (losses) on cancellation of investment trusts | (338) | (113) | (224) | |||
Net business profit | A-C | (338) | 247 | (586) | ||
Net gains (losses) related to equity securities | D | 56 | (825) | 882 | ||
Profit (loss) on money held in trust | E | - | (8) | 8 | ||
Disposal of nonperforming loans | F | 2 | (35) | 37 | ||
Recoveries of written-off claims | G | 138 | (114) | 253 | ||
Ordinary profit | (116) | (659) | 542 | |||
Extraordinary gains (losses) | (13) | 64 | (77) | |||
Profit before income taxes | (129) | (594) | 465 | |||
Total income taxes | 7 | (6) | 14 | |||
Profit | (137) | (588) | 450 | |||
Gains (losses) on investment securities | B+D+E | 56 | (472) | 529 |
Credit related expenses | F-G | (136) | 79 | (216) |
Overview of the First Quarter of the 143rd Fiscal Year
(a）Actual net business profit:Despite a decrease in fund profits, other business profits increased and expenses decreased, resulting in a 0.2 billion yen increase from the same period last year, leading to a loss of 0.3 billion yen.
(b）Ordinary profit:Decreased by 0.6 billion yen from the same period last year, resulting in a loss of 0.1 billion yen, mainly due to a decrease in gains and losses on stocks and other securities.
(c）Profit:Decreased by 0.5 billion yen from the same period last year, resulting in a loss of 0.1 billion yen.
Gains or Losses on Investment Securities
The Nagano Bank (Non-consolidated) (Unit: million yen)Three months ended Jun.30, | Three months ended Jun.30, 2024 (b) | |||
2025 (a) | (a)‐(b) | |||
Gains (losses) on bonds | (0) | 361 | (361) | |
Gain on sales | - | - | - | |
Gain on redemption | - | - | - | |
Loss on sales | 0 | (55) | 55 | |
Loss on redemption | - | (306) | 306 | |
Loss on devaluation | - | - | - | |
Gains (losses) on stocks and other securities | 56 | (825) | 882 | |
Gain on sales | 56 | (843) | 900 | |
Loss on sales | - | (17) | 17 | |
Loss on devaluation | - | (0) | 0 | |
Loss (gain) on money held in trust | - | (8) | 8 | |
２．Accounts of Loans，Deposits
Total for the two banks (Unit: billion yen)Loans | As of Jun.30,2025 | As of Jun.30,2024 (b) | |||
(a) | (a)-(b) | ||||
Total loans (the head offices and all branches) | 6,484.1 | (229.0) | 6,713.1 | ||
(Head offices and branches in Nagano Prefecture) | 3,365.3 | (94.7) | 3,460.1 | ||
Loans to consumers | 1,637.2 | 6.3 | 1,630.9 | ||
Housing loans | 1,552.2 | 8.0 | 1,544.1 | ||
[Reference] As of Mar.31,2025 |
6,529.6 |
3,391.2 |
1,640.7 |
1,554.9 |
8,949.5
9,568.0
Total deposits (the head offices and all branches) | 9,568.5 | (18.7) | 9,587.3 | |
(Head offices and branches in Nagano Prefecture) | 8,987.9 | (29.2) | 9,017.1 | |
Loans | As of Jun.30,2025 | As of Jun.30,2024 (b) | |||
(a) | (a)-(b) | ||||
Total loans (the head offices and all branches) | 6,002.3 | (101.8) | 6,104.1 | ||
(Head offices and branches in Nagano Prefecture) | 2,916.0 | 22.2 | 2,893.8 | ||
Loans to consumers | 1,430.2 | 23.7 | 1,406.4 | ||
Housing loans | 1,361.9 | 20.5 | 1,341.4 | ||
[Reference] As of Mar.31,2025 |
6,026.0 |
2,920.4 |
1,428.8 |
1,360.8 |
8,084.2
8,693.8
Total deposits (the head offices and all branches) | 8,709.1 | 110.9 | 8,598.2 | |
(Head offices and branches in Nagano Prefecture) | 8,131.7 | 88.0 | 8,043.7 | |
Loans | As of Jun.30,2025 | As of Jun.30,2024 (b) | |||
(a) | (a)-(b) | ||||
Total loans (the head offices and all branches) | 481.8 | (127.2) | 609.0 | ||
(Head offices and branches in Nagano Prefecture) | 449.3 | (116.9) | 566.3 | ||
Loans to consumers | 207.0 | (17.4) | 224.4 | ||
Housing loans | 190.3 | (12.4) | 202.7 | ||
[Reference] As of Mar.31,2025 |
503.5 |
470.7 |
211.9 |
194.0 |
865.3
874.1
Total deposits (the head offices and all branches) | 859.3 | (129.7) | 989.1 | |
(Head offices and branches in Nagano Prefecture) | 856.2 | (117.2) | 973.4 | |
３．Loans to Small and Medium-sized Businesses, etc.
Total for the two banks (Unit: billion yen、％)As of Jun.30,2025 | As of Jun.30,2024 (b) | ||
(a) | (a)-(b) | ||
Loans to small and medium-sized businesses, etc.(Outstanding balance) | 3,693.2 | 22.4 | 3,670.8 |
Ratio of loans to small and medium-sized businesses, etc. （％） | 57.3 | 2.5 | 54.8 |
[Reference] As of Mar.31,2025 |
3,703.8 |
57.0 |
As of Jun.30,2025 | As of Jun.30,2024 (b) | ||
(a) | (a)-(b) | ||
Loans to small and medium-sized businesses, etc.(Outstanding balance) | 3,324.4 | 119.1 | 3,205.2 |
Ratio of loans to small and medium-sized businesses, etc. （％） | 55.7 | 3.0 | 52.7 |
[Reference] As of Mar.31,2025 |
3,315.5 |
55.3 |
As of Jun.30,2025 | As of Jun.30,2024 (b) | ||
(a) | (a)-(b) | ||
Loans to small and medium-sized businesses, etc.(Outstanding balance) | 368.8 | (96.7) | 465.5 |
Ratio of loans to small and medium-sized businesses, etc. （％） | 76.5 | 0.1 | 76.4 |
[Reference] As of Mar.31,2025 |
388.2 |
77.1 |
Note：The loan balance does not include loans from overseas offices and offshore financial accounts.
４．Balance of Personal Financial Assets Deposited
Total for the two banks (Unit: billion yen)As of Jun.30,2025 | As of Jun.30,2024 (b) | ||||
(a) | (a)-(b) | ||||
Total Personal financial assets deposited | 6,833.4 | 80.6 | 6,752.7 | ||
Yen deposits | 6,407.3 | 6.6 | 6,400.7 | ||
Investment type products | 426.0 | 74.0 | 352.0 | ||
Foreign currency deposits | 9.9 | (0.7) | 10.6 | ||
Investment trusts | 289.5 | 28.5 | 261.0 | ||
Public bonds | 126.6 | 46.2 | 80.3 | ||
[Reference] As of Mar.31,2025 |
6,753.2 |
6,367.9 |
385.3 |
9.9 |
266.2 |
109.1 |
As of Jun.30,2025 | As of Jun.30,2024 (b) | ||||
(a) | (a)-(b) | ||||
Total Personal financial assets deposited | 6,132.1 | 115.5 | 6,016.6 | ||
Yen deposits | 5,727.0 | 39.5 | 5,687.4 | ||
Investment type products | 405.1 | 76.0 | 329.1 | ||
Foreign currency deposits | 9.9 | (0.5) | 10.4 | ||
Investment trusts | 268.7 | 28.8 | 239.9 | ||
Public bonds | 126.5 | 47.7 | 78.7 | ||
[Reference] As of Mar.31,2025 |
6,045.0 |
5,679.7 |
365.3 |
9.9 |
246.3 |
109.0 |
As of Jun.30,2025 | As of Jun.30,2024 (b) | ||||
(a) | (a)-(b) | ||||
Total Personal financial assets deposited | 701.2 | (34.9) | 736.1 | ||
Yen deposits | 680.3 | (32.9) | 713.2 | ||
Investment type products | 20.8 | (2.0) | 22.9 | ||
Foreign currency deposits | - | (0.2) | 0.2 | ||
Investment trusts | 20.7 | (0.2) | 21.0 | ||
Public bonds | 0.0 | (1.5) | 1.6 | ||
[Reference] As of Mar.31,2025 |
708.2 |
688.2 |
20.0 |
- |
19.8 |
0.1 |
５．Loans based on the Financial Revitalization Law
Total for the two banks (Unit: billion yen,％)As of Jun.30,2025 | As of Jun.30,2024 (b) | ||||
(a) | (a)-(b) | ||||
Bankrupt and quasi-bankrupt assets | 12.6 | (0.3) | 12.9 | ||
Doubtful assets | 106.1 | (0.7) | 106.8 | ||
Substandard assets under the self‐assessment guideline | 19.2 | (4.0) | 23.2 | ||
Accruing loans contractually past due for 3 months or more | 1.8 | 0.6 | 1.1 | ||
Restructured loans | 17.3 | (4.7) | 22.0 | ||
Total | 137.9 | (5.2) | 143.1 | ||
Claims to normal borrowers (excluding claims in need of caution) | 6,469.6 | (217.2) | 6,686.9 | ||
Total claims | 6,607.5 | (222.4) | 6,830.0 | ||
As a percentage of total credits （％） | 2.08 | (0.01) | 2.09 | ||
[Reference] As of Mar.31,2025 |
12.9 |
105.6 |
20.3 |
1.5 |
18.8 |
138.9 |
6,508.5 |
6,647.4 |
2.09 |
As of Jun.30,2025 | As of Jun.30,2024 (b) | ||||
(a) | (a)-(b) | ||||
Bankrupt and quasi-bankrupt assets | 9.6 | 0.0 | 9.6 | ||
Doubtful assets | 79.9 | (0.3) | 80.3 | ||
Substandard assets under the self‐assessment guideline | 17.3 | (0.9) | 18.2 | ||
Accruing loans contractually past due for 3 months or more | 1.8 | 0.6 | 1.1 | ||
Restructured loans | 15.5 | (1.5) | 17.0 | ||
Total | 107.0 | (1.2) | 108.2 | ||
Claims to normal borrowers (excluding claims in need of caution) | 6,014.5 | (91.5) | 6,106.0 | ||
Total claims | 6,121.6 | (92.7) | 6,214.3 | ||
As a percentage of total credits （％） | 1.74 | 0.00 | 1.74 | ||
[Reference] As of Mar.31,2025 |
9.8 |
78.8 |
17.6 |
1.5 |
16.1 |
106.3 |
6,032.8 |
6,139.2 |
1.73 |
As of Jun.30,2025 | As of Jun.30,2024 (b) | ||||
(a) | (a)-(b) | ||||
Bankrupt and quasi-bankrupt assets | 2.9 | (0.4) | 3.3 | ||
Doubtful assets | 26.1 | (0.3) | 26.5 | ||
Substandard assets under the self‐assessment guideline | 1.8 | (3.1) | 5.0 | ||
Accruing loans contractually past due for 3 months or more | - | - | - | ||
Restructured loans | 1.8 | (3.1) | 5.0 | ||
Total | 30.9 | (3.9) | 34.8 | ||
Claims to normal borrowers (excluding claims in need of caution) | 455.0 | (125.7) | 580.8 | ||
Total claims | 485.9 | (129.7) | 615.6 | ||
As a percentage of total credits （％） | 6.36 | 0.70 | 5.66 | ||
[Reference] As of Mar.31,2025 |
3.1 |
26.7 |
2.7 |
- |
2.7 |
32.6 |
475.6 |
508.2 |
6.42 |
(Reference)
Bankrupt and quasi-bankrupt assets refer to claims on bankrupt or effectively bankrupt borrowers. Doubtful assets refer to loans to borrowers in danger of bankruptcy.
Loans requiring special attention refer to loans that are past due for three months or more and loans among loans to borrowers requiring caution with relaxed lending conditions.
Please note that "loans past due for three months or more" and "loans with relaxed lending conditions" are classified as risk management loans, while "loans requiring special attention" are classified as loans disclosed under the Financial Reconstruction Act
Partial direct depreciation: Not implemented.
６．Valuation Gains (Losses) with Market Value （１）Consolidated (Unit: billion yen)As of Jun.30, 2025 | ||||||
Balance sheet amount | ||||||
Net (a)-(b) | Unrealized gains(a) | Unrealized losses(b) | ||||
Other securities | 3,408.0 | 379.4 | 534.1 | 154.6 | ||
Stocks | 607.9 | 514.9 | 515.3 | 0.3 | ||
Bonds | 1,928.2 | (133.6) | 0.4 | 134.1 | ||
Others | 871.8 | (1.8) | 18.3 | 20.1 | ||
[Reference] As of Mar.31, 2025 | |||
Balance sheet amount | |||
Net (a)-(b) | Unrealized gains(a) | Unrealized losses(b) | |
3,394.8 | 339.3 | 491.9 | 152.6 |
570.8 | 473.6 | 474.2 | 0.5 |
1,935.8 | (127.3) | 0.2 | 127.6 |
888.2 | (7.0) | 17.4 | 24.4 |
As of Jun.30, 2025 | ||||||
Balance sheet amount | ||||||
Net (a)-(b) | Unrealized gains(a) | Unrealized losses(b) | ||||
Other securities | 3,193.2 | 379.7 | 527.8 | 148.1 | ||
Stocks | 596.9 | 508.7 | 509.1 | 0.3 | ||
Bonds | 1,724.4 | (127.1) | 0.4 | 127.6 | ||
Others | 871.8 | (1.8) | 18.3 | 20.1 | ||
[Reference] As of Mar.31, 2025 | |||
Balance sheet amount | |||
Net (a)-(b) | Unrealized gains(a) | Unrealized losses(b) | |
3,164.8 | 339.3 | 485.4 | 146.0 |
559.4 | 467.1 | 467.7 | 0.5 |
1,717.1 | (120.8) | 0.2 | 121.0 |
888.2 | (7.0) | 17.4 | 24.4 |
Deferred gains and losses on hedges corresponding to other securities
The Hachijuni Bank uses derivatives to reduce the risk of fluctuations in the market value of securities.
The Hachijuni Bank (Non-consolidated) (Unit: billion yen)As of Jun.30, 2025 | As of Mar.31, 2025 | |
Net | Net | |
Deferred gains or losses on hedges | 89.1 | 81.5 |
As of Jun.30, 2025 | ||||||
Balance sheet amount | ||||||
Net (a)-(b) | Unrealized gains(a) | Unrealized losses(b) | ||||
Other securities | 203.9 | (6.4) | 2.9 | 9.3 | ||
Stocks | 4.0 | 2.9 | 2.9 | 0.0 | ||
Bonds | 199.8 | (9.3) | 0.0 | 9.3 | ||
[Reference] As of Mar.31, 2025 | |||
Balance sheet amount | |||
Net (a)-(b) | Unrealized gains(a) | Unrealized losses(b) | |
218.9 | (6.5) | 2.9 | 9.5 |
4.1 | 2.9 | 2.9 | 0.0 |
214.7 | (9.4) | 0.0 | 9.4 |
Note1：Unrealized gains and losses are recorded as the difference between the balance sheet amount and the acquisition cost. Note2：Based on market value on the balance sheet date.
Note3：Nikkei Stock Average: June 2025 (End of Month) : 40,487 yen March 2025 (End of Month) : 35,617 yen
７．Capital Adequacy RatioActual figures for the end of June 2025 are currently being calculated and will be announced once finalized.
End of the document