Hachijuni Bank : Financial Data（PDF：234KB）

Consolidated

(Units: 1million yen)

For the three

For the three

months ended

months ended

Inc/Dec

June 30, 2024 (A)

(A‐B)

June 30, 2023 (B)

Consolidated gross business profit

34,978

5,244

29,734

Profit on interest

28,344

5,181

23,163

Profit on fees and commissions

4,632

(242)

4,875

Trading profit

68

(7)

76

Profit from other business transactions

1,934

313

1,620

General & administrative expenses

17,641

2,688

14,953

Credit related expenses

(267)

(1,392)

1,124

Ordinary profit

16,889

4,975

11,913

Extraordinary gains (losses)

(68)

(17,542)

17,474

Gain on bargain purchase

－

(17,322)

17,322

Profit before income taxes

16,820

(12,566)

29,387

Total income taxes

4,707

1,410

3,296

Profit

12,113

(13,977)

26,091

Profit attributable to non-controlling interests

65

24

40

Profit attributable to owners of the parent

12,048

(14,002)

26,050

The Hachijuni Bank (Non-consolidated)

(Units: 1million yen)

For the three

For the three

months ended

months ended

Inc/Dec

June 30, 2024 (A)

(A‐B)

June 30, 2023 (B)

Gross business profit

29,626

2,971

26,655

Profit on interest

25,814

2,764

23,049

Profit on fees and commissions

2,745

(135)

2,880

Trading profit

50

32

18

Profit (Loss) from other business transactions

1,016

310

706

Gains (Losses) related to bonds

212

203

8

General & administrative expenses

14,342

687

13,654

Personnel expenses

7,437

708

6,729

Non personnel expenses

5,693

(2)

5,695

Actual net business profit

15,284

2,283

13,000

Core net business profit

15,071

2,079

12,992

Transfer to (Reversal of) general reserve for possible loan losses

(378)

(563)

184

Net business profit

15,662

2,846

12,816

Net gains (losses) related to equity securities

1,143

(160)

1,303

Profit (Loss) on money held in trust

(391)

197

(588)

Disposal of nonperforming loans

515

(206)

721

Transfer to (Reversal of) specific reserve

424

(231)

656

Recoveries of written-off claims

－

(0)

0

Ordinary profit

14,807

4,024

10,782

Extraordinary gains (losses)

11

(69)

80

Profit before income taxes

14,818

3,955

10,863

Total income taxes

4,332

1,421

2,911

Profit

10,486

2,533

7,952

The Nagano Bank (Non-consolidated)

(Units: 1million yen)

For the three

For the three

months ended

months ended

Inc/Dec

June 30, 2024 (A)

(A‐B)

June 30, 2023 (B)

Gross business profit (loss)

1,796

(391)

2,188

Profit on interest

2,164

(450)

2,614

Profit on fees and commissions

4

(53)

58

Profit (Loss) from other business transactions

(372)

112

(484)

Gains (Losses) related to bonds

(361)

224

(586)

General & administrative expenses

2,382

(115)

2,498

Personnel expenses

1,256

2

1,253

Non personnel expenses

976

(112)

1,089

Actual net business profit (loss)

(586)

(275)

(310)

Core net business profit (loss)

(224)

(500)

276

Transfer to general reserve for possible loan losses

－

(599)

599

Net business profit (loss)

(586)

323

(909)

Net gains (losses) related to equity securities

882

422

460

Profit (Loss) on money held in trust

8

4

3

Disposal of nonperforming loans

37

(3,457)

3,494

Transfer to (Reversal of) specific reserve

－

(3,161)

3,161

Reversal of allowance for loan losses

253

253

－

Recoveries of written-off claims

－

(0)

0

Ordinary profit (loss)

542

4,472

(3,929)

Extraordinary gains (losses)

(77)

5,809

(5,886)

Profit (Loss) before income taxes

465

10,281

(9,816)

Total income taxes

14

1,505

(1,491)

Profit (Loss)

450

8,776

(8,325)

2 banks' total

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

67,131

(1,617)

68,748

Loans to consumers

16,309

272

16,036

The Hachijuni Bank

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

61,041

(801)

61,842

Loans to consumers

14,064

284

13,780

The Nagano Bank

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

6,090

(815)

6,906

Loans to consumers

2,244

(11)

2,256

◆ Loans to small and medium-sized businesses, etc.

2 banks' total

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Loans to small and medium-sized businesses, etc.

36,708

(330)

37,038

Ratio of loans to small and medium-sized businesses, etc.

54.8

0.8

54.0

The Hachijuni Bank

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Loans to small and medium-sized businesses, etc.

32,052

308

31,743

Ratio of loans to small and medium-sized businesses, etc.

52.7

1.3

51.4

The Nagano Bank

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Loans to small and medium-sized businesses, etc.

4,655

(639)

5,295

Ratio of loans to small and medium-sized businesses, etc.

76.4

(0.2)

76.6

◆ Deposits

2 banks' total

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Deposits

95,873

1,433

94,439

The Hachijuni Bank

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Deposits

85,982

2,175

83,807

The Nagano Bank

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Deposits

9,891

(741)

10,632

2 banks' total

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

67,527

1,672

65,855

Yen deposits

64,007

1,069

62,938

Investment type products

3,520

603

2,917

Foreign currency deposits

106

(12)

118

Investment trusts

2,610

452

2,157

Public bonds (Government bonds, and other bonds)

803

162

640

Consolidated

(Units: 100million yen)

As of June 30,2024

Valuation gains

(losses)

Valuation

Valuation

gains

losses

Other securities

5,385

6,637

1,251

Stocks

6,419

6,422

2

Bonds

(952)

11

963

Others

(81)

203

285

The Hachijuni Bank

(Units: 100million yen)

As of June 30,2024

Valuation gains

(losses)

Valuation

Valuation

gains

losses

Other securities

5,359

6,537

1,178

Stocks

6,331

6,333

1

Bonds

(884)

11

895

Others

(87)

193

281

The Nagano Bank

(Units: 100million yen)

As of June 30,2024

Valuation gains

(losses)

Valuation

Valuation

gains

losses

Other securities

(49)

67

117

Stocks

54

54

0

Bonds

(110)

1

111

Others

6

11

5

2 banks' total

(Units: 100million yen)

As of June 30,

As of June 30,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

1,431

30

1,401

Bankrupt and quasi-bankrupt assets

129

6

123

Doubtful assets

1,068

29

1,039

Substandard assets

232

(6)

238

As a percentage of total credits

2.09

0.09

2.00

◆ Capital ratio (Basel Ⅲ standards)

Consolidated

As of June 30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total capital ratio

19.69%

(1.05%)

20.74%

Tier1 capital ratio

19.69%

(1.05%)

20.74%

Common Equity Tier1 capital ratio

19.69%

(1.05%)

20.74%

(Units: 100million yen)

Total capital

9,740

(369)

10,109

Tier1 capital

9,740

(369)

10,109

Common Equity Tier1 capital

9,740

(369)

10,109

Risk weighted assets

49,444

720

48,723

Required capital

3,955

57

3,897

The Hachijuni Bank

As of June 30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total capital ratio

19.81%

(1.19%)

21.00%

Tier1 capital ratio

19.81%

(1.19%)

21.00%

Common Equity Tier1 capital ratio

19.81%

(1.19%)

21.00%

(Units: 100million yen)

Total capital

8,876

(343)

9,220

Tier1 capital

8,876

(343)

9,220

Common Equity Tier1 capital

8,876

(343)

9,220

Risk weighted assets

44,807

915

43,892

Required capital

3,584

73

3,511