Hachijuni Bank : Financial Data（PDF：81KB）

Consolidated

(Units: 1million yen)

For the 9 months

For the 9 months

ended December

ended December

Inc/Dec

31, 2024 (A)

(A‐B)

31, 2023 (B)

Consolidated gross business profit

94,538

14,870

79,668

Profit on interest

79,859

13,641

66,217

Profit on fees and commissions

13,290

(888)

14,179

Trading profit

196

(57)

253

Profit (Loss) from other business transactions

1,192

2,174

(982)

General & administrative expenses

51,415

2,882

48,532

Credit related expenses

150

(1,974)

2,124

Ordinary profit

44,352

16,559

27,792

Extraordinary gains (losses)

149

(16,245)

16,394

Gain on bargain purchase

－

(17,322)

17,322

Profit before income taxes

44,502

314

44,187

Total income taxes

12,590

1,366

11,224

Profit

31,911

(1,052)

32,963

Profit attributable to non-controlling interests

96

(15)

112

Profit attributable to owners of the parent

31,815

(1,036)

32,851

The Hachijuni Bank (Non-consolidated)

(Units: 1million yen)

For the 9 months

For the 9 months

ended December

ended December

Inc/Dec

31, 2024 (A)

(A‐B)

31, 2023 (B)

Gross business profit

80,022

11,829

68,192

Profit on interest

72,550

11,151

61,398

Profit on fees and commissions

7,694

(370)

8,064

Trading profit

170

81

89

Profit (Loss) from other business transactions

(393)

967

(1,360)

Gains (Losses) related to bonds

(1,916)

1,107

(3,023)

General & administrative expenses

42,632

2,255

40,377

Personnel expenses

22,942

1,881

21,061

Non personnel expenses

16,949

431

16,518

Actual net business profit

37,389

9,574

27,815

Core net business profit

39,306

8,467

30,839

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

(139)

130

(270)

Net business profit

37,529

9,443

28,086

Net gains (losses) related to equity securities

5,313

1,036

4,277

Profit (Loss) on money held in trust

91

1,014

(923)

Disposal of nonperforming loans

1,035

(377)

1,413

Transfer to (Reversal of) specific reserve

688

(618)

1,307

Recoveries of written-off claims

－

(0)

0

Ordinary profit

39,966

12,785

27,180

Extraordinary gains (losses)

235

(1,098)

1,333

Profit before income taxes

40,201

11,687

28,514

Total income taxes

11,318

3,904

7,413

Profit

28,883

7,782

21,100

The Nagano Bank (Non-consolidated)

(Units: 1million yen)

For the 9 months

For the 9 months

ended December

ended December

Inc/Dec

31, 2024 (A)

(A‐B)

31, 2023 (B)

Gross business profit (loss)

4,663

7,821

(3,158)

Profit on interest

6,516

(413)

6,930

Profit on fees and commissions

17

(254)

271

Profit (Loss) from other business transactions

(1,871)

8,489

(10,360)

Gains (Losses) related to bonds

(1,862)

8,599

(10,461)

General & administrative expenses

6,704

(500)

7,205

Personnel expenses

3,498

(260)

3,758

Non personnel expenses

2,775

(257)

3,032

Actual net business profit (loss)

(2,041)

8,321

(10,363)

Core net business profit (loss)

(179)

(277)

98

Transfer to general reserve for possible loan losses

－

(624)

624

Net business profit (loss)

(2,041)

8,946

(10,988)

Net gains (losses) related to equity securities

1,984

134

1,849

Profit (Loss) on money held in trust

(25)

(7)

(17)

Disposal of nonperforming loans

45

(3,734)

3,780

Transfer to (Reversal of) specific reserve

－

(3,333)

3,333

Reversal of allowance for loan losses

727

727

－

Recoveries of written-off claims

－

(0)

0

Ordinary profit (loss)

724

13,684

(12,959)

Extraordinary gains (losses)

(103)

6,579

(6,682)

Profit (Loss) before income taxes

621

20,263

(19,641)

Total income taxes

25

(1,177)

1,203

Profit (Loss)

595

21,441

(20,845)

2 banks' total

(Units: 100million yen)

As of Dec.31,

As of Dec.31,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

66,975

(2,288)

69,263

Loans to consumers

16,417

201

16,216

The Hachijuni Bank

(Units: 100million yen)

As of Dec.31,

As of Dec.31,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

61,606

(781)

62,388

Loans to consumers

14,252

312

13,940

The Nagano Bank

(Units: 100million yen)

As of Dec.31,

As of Dec.31,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

5,369

(1,506)

6,875

Loans to consumers

2,165

(111)

2,276

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

2 banks' total

(Units: 100million yen)

As of Dec.31,

As of Dec.31,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Loans to small and medium-sized businesses, etc.

37,183

(48)

37,232

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

55.8

1.9

53.9

The Hachijuni Bank

(Units: 100million yen)

As of Dec.31,

As of Dec.31,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Loans to small and medium-sized businesses, etc.

33,069

1,160

31,908

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

54.0

2.8

51.2

The Nagano Bank

(Units: 100million yen)

As of Dec.31,

As of Dec.31,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Loans to small and medium-sized businesses, etc.

4,114

(1,209)

5,323

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

76.6

(0.8)

77.4

2 banks' total

(Units: 100million yen)

As of Dec.31,

As of Dec.31,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

68,392

1,612

66,780

Yen deposits

64,559

791

63,768

Investment type products

3,832

820

3,011

Foreign currency deposits

104

0

104

Investment trusts

2,722

528

2,194

Public bonds (Government bonds, and other bonds)

1,005

292

713

Consolidated

(Units: 100million yen)

As of Dec.31,2024

Valuation gains

(losses)

Valuation

Valuation

gains

losses

Other securities

4,655

5,907

1,251

Stocks

5,707

5,711

3

Bonds

(964)

9

974

Others

(87)

185

273

The Hachijuni Bank

(Units: 100million yen)

As of Dec.31,2024

Valuation gains

(losses)

Valuation

Valuation

gains

losses

Other securities

4,644

5,836

1,192

Stocks

5,637

5,640

3

Bonds

(905)

9

915

Others

(87)

185

273

The Nagano Bank

(Units: 100million yen)

As of Dec.31,2024

Valuation gains

(losses)

Valuation

Valuation

gains

losses

Other securities

(64)

32

96

Stocks

32

32

0

Bonds

(96)

0

96

Others

－

－

－

2 banks' total

(Units: 100million yen)

As of Dec.31,

As of Dec.31,

2024 (A)

Inc/Dec (A‐B)

2023 (B)

Total (outstanding balance)

1,388

(53)

1,441

Bankrupt and quasi-bankrupt assets

130

0

130

Doubtful assets

1,029

(50)

1,079

Substandard assets

227

(2)

230

As a percentage of total credits

2.03

(0.01)

2.04

◆ Capital ratio (Basel Ⅲ standards)

Consolidated

As of Dec.31,

As of Sept.30,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total capital ratio

17.87%

(2.41%)

20.28%

Tier1 capital ratio

17.87%

(2.41%)

20.28%

Common Equity Tier1 capital ratio

17.87%

(2.41%)

20.28%

(Units: 100million yen)

Total capital

9,198

(517)

9,715

Tier1 capital

9,198

(517)

9,715

Common Equity Tier1 capital

9,198

(517)

9,715

Risk weighted assets

51,469

3,572

47,896

Required capital

4,117

285

3,831

The Hachijuni Bank

As of Dec.31,

As of Sept.30,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total capital ratio

17.33%

(2.78%)

20.11%

Tier1 capital ratio

17.33%

(2.78%)

20.11%

Common Equity Tier1 capital ratio

17.33%

(2.78%)

20.11%

(Units: 100million yen)

Total capital

8,317

(510)

8,827

Tier1 capital

8,317

(510)

8,827

Common Equity Tier1 capital

8,317

(510)

8,827

Risk weighted assets

47,984

4,092

43,892

Required capital

3,838

327

3,511