Hachijuni Bank : Financial Data（PDF：87KB）

Consolidated

(Units: 1million yen)

For the six months

For the six months

ended September

ended September

Inc/Dec

30, 2024 (A)

(A‐B)

30, 2023 (B)

Consolidated gross business profit

59,182

6,687

52,494

Profit on interest

50,398

9,003

41,395

Profit on fees and commissions

8,679

(587)

9,266

Trading profit

122

(66)

189

Profit from other business transactions

(17)

(1,662)

1,644

General & administrative expenses

34,376

2,749

31,627

Credit related expenses

(455)

(1,544)

1,089

Net gains (losses) related to equity securities

4,939

3,313

1,625

Profit (Loss) on money held in trust

201

823

(622)

Ordinary profit

26,715

9,639

17,076

Extraordinary gains (losses)

394

(16,490)

16,885

Gain on bargain purchase

―

(17,322)

17,322

Profit before income taxes

27,110

(6,850)

33,961

Total income taxes

7,519

76

7,442

Profit

19,590

(6,927)

26,518

Profit attributable to non-controlling interests

76

42

33

Profit attributable to owners of the parent

19,514

(6,970)

26,485

(Number of Consolidated Companies)

Number of consolidated subsidiaries

15

(1)

16

Number of companies accounted for by the equity method

―

―

―

The Hachijuni Bank (Non-consolidated)

(Units: 1million yen)

For the six months

For the six months

ended September

ended September

Inc/Dec

30, 2024 (A)

(A‐B)

30, 2023 (B)

Gross business profit

48,948

5,490

43,457

Profit on interest

45,024

6,503

38,521

Profit on fees and commissions

5,028

(157)

5,186

Trading profit

98

36

61

Profit from other business transactions

(1,203)

(891)

(311)

Gains (losses) related to bonds

(2,173)

(694)

(1,478)

General & administrative expenses

28,270

1,362

26,907

Personnel expenses

14,985

1,367

13,617

Non personnel expenses

11,289

15

11,273

Actual net business profit

20,678

4,127

16,550

Core net business profit

22,851

4,822

18,028

Transfer to general reserve for possible loan losses

－

131

(131)

Net business profit

20,678

3,996

16,681

Net gains (losses) related to equity securities

4,105

2,491

1,613

Profit (loss) on money held in trust

232

823

(591)

Disposal of nonperforming loans

151

(323)

474

Transfer to specific reserve

－

(367)

367

Reversal of allowance for loan losses

9

9

－

Reversal of general allowance for loan losses

288

288

－

Reversal of individual allowance for loan losses

(278)

(278)

－

Recoveries of written-off claims

－

(0)

0

Ordinary profit

23,261

8,389

14,872

Extraordinary gains (losses)

453

405

48

Profit before income taxes

23,714

8,794

14,920

Total income taxes

6,712

2,767

3,945

Profit

17,001

6,026

10,975

The Nagano Bank (Non-consolidated)

(Units: 1million yen)

For the six months

For the six months

ended September

ended September

Inc/Dec

30, 2024 (A)

(A‐B)

30, 2023 (B)

Gross business profit

3,583

(1,259)

4,843

Profit on interest

4,635

(619)

5,255

Profit on fees and commissions

(81)

(206)

125

Profit from other business transactions

(970)

(433)

(537)

Gains (losses) related to bonds

(958)

(285)

(672)

General & administrative expenses

4,627

(263)

4,891

Personnel expenses

2,437

(76)

2,513

Non personnel expenses

1,888

(184)

2,072

Actual net business profit

(1,044)

(996)

(47)

Core net business profit

(85)

(710)

625

Transfer to general reserve for possible loan losses

－

(583)

583

Net business profit

(1,044)

(412)

(631)

Net gains (losses) related to equity securities

1,382

618

763

Profit (loss) on money held in trust

(31)

(4)

(27)

Disposal of nonperforming loans

40

(3,697)

3,737

Transfer to specific reserve

－

(3,341)

3,341

Reversal of allowance for loan losses

516

516

－

Reversal of general allowance for loan losses

269

269

－

Reversal of individual allowance for loan losses

246

246

－

Recoveries of written-off claims

－

(0)

0

Ordinary profit

886

4,538

(3,651)

Extraordinary gains (losses)

(76)

6,380

(6,456)

Profit before income taxes

810

10,918

(10,108)

Total income taxes

23

(1,209)

1,233

Profit

786

12,128

(11,341)

2 banks' total

(Units: 100million yen)

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total (outstanding balance)

65,949

(2,446)

68,396

Loans to consumers

16,383

103

16,280

The Hachijuni Bank

(Units: 100million yen)

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total (outstanding balance)

60,201

(1,832)

62,034

Loans to consumers

14,174

162

14,012

The Nagano Bank

(Units: 100million yen)

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total (outstanding balance)

5,747

(614)

6,361

Loans to consumers

2,208

(58)

2,267

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

2 banks' total

(Units: 100million yen)

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Loans to small and medium-sized businesses, etc.

36,791

66

36,724

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

56.0

2.2

53.8

The Hachijuni Bank

(Units: 100million yen)

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Loans to small and medium-sized businesses, etc.

32,384

556

31,827

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

54.0

2.5

51.5

The Nagano Bank

(Units: 100million yen)

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Loans to small and medium-sized businesses, etc.

4,406

(490)

4,896

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

76.6

(0.3)

76.9

2 banks' total

(Units: 100million yen)

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total (outstanding balance)

67,109

548

66,561

Yen deposits

63,531

284

63,246

Investment type products

3,578

263

3,314

Foreign currency deposits

96

(7)

103

Investment trusts

2,589

124

2,465

Public bonds (Government bonds, and other bonds)

891

146

745

◆ Securities

2 banks' total

(Units: 100million yen)

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total (outstanding balance)

37,071

382

36,688

Bonds

20,862

984

19,877

JGB thereof

7,856

1,255

6,601

Stocks

7,407

(487)

7,895

Foreign securities

5,546

(78)

5,624

Others

3,255

(36)

3,291

Consolidated

(Units: 100million yen)

As of Sept.30,2024

Valuation gains

Valuation

Valuation

(losses)

Change from

gains

losses

March 31, 2024

Other securities

5,305

(633)

6,253

947

Stocks

6,030

(477)

6,033

3

Bonds

(739)

(192)

36

775

Others

14

36

182

168

The Hachijuni Bank

(Units: 100million yen)

As of Sept.30,2024

Valuation gains

Valuation

Valuation

(losses)

Change from

gains

losses

March 31, 2024

Other securities

5,291

(586)

6,187

896

Stocks

5,966

(449)

5,968

1

Bonds

(690)

(180)

36

727

Others

14

43

182

167

The Nagano Bank

(Units: 100million yen)

As of Sept.30,2024

Valuation gains

Valuation

Valuation

(losses)

Change from

gains

losses

March 31, 2024

Other securities

(54)

(40)

36

90

Stocks

34

(28)

36

1

Bonds

(88)

(8)

0

89

Others

(0)

(2)

0

0

Consolidated

(Units: 100million yen)

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total (outstanding balance)

1,409

(71)

1,481

Bankrupt and quasi-bankrupt assets

145

1

144

Doubtful assets

1,032

(63)

1,095

Substandard assets

230

(10)

241

As a percentage of total credits

2.11

(0.03)

2.14

◆ Capital ratio (Basel Ⅲ standards)

Consolidated

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total capital ratio

20.28%

(0.46%)

20.74%

Tier1 capital ratio

20.28%

(0.46%)

20.74%

Common Equity Tier1 capital ratio

20.28%

(0.46%)

20.74%

(Units: 100million yen)

Total capital

9,715

(393)

10,109

Tier1 capital

9,715

(393)

10,109

Common Equity Tier1 capital

9,715

(393)

10,109

Risk weighted assets

47,896

(827)

48,723

Required capital

3,831

(66)

3,897

The Hachijuni Bank

As of Sept.30,

As of March 31,

2024 (A)

Inc/Dec (A‐B)

2024 (B)

Total capital ratio

20.11%

(0.89%)

21.00%

Tier1 capital ratio

20.11%

(0.89%)

21.00%

Common Equity Tier1 capital ratio

20.11%

(0.89%)

21.00%

(Units: 100million yen)

Total capital

8,827

(393)

9,220

Tier1 capital

8,827

(393)

9,220

Common Equity Tier1 capital

8,827

(393)

9,220

Risk weighted assets

43,892

(0)

43,892

Required capital

3,511

(0)

3,511

Consolidated

(Units: 100million yen)

First half of

Projection for

FY 2023

FY 2024

FY 2024 (A)

(B)

Inc/Dec (A‐B)

Ordinary profit

267

565

213

352

Profit attributable to owners of parent

195

400

30

370

The Hachijuni Bank

(Units: 100million yen)

First half of

Projection for

FY 2023

FY 2024

FY 2024 (A)

Inc/Dec (A‐B)

(B)

Actual net business profit

206

460

127

333

Core net business profit

228

480

85

395

Net business profit

206

465

134

331

Ordinary profit

232

530

168

362

Profit

170

380

109

271