About Nanto Bank
Information Highlights
Fiscal Year Ending March 31, 2024 Financial Highlights
Net Income | (Consolidated) | (Non-consolidated) |
12.0 billion yen | 11.8 billion yen |
Consolidated | Non-consolidated | (Billion yen) |
11.8 11.8 | 12.0 11.8 | |
4.7 | 4.7 |
Profit / loss on transactions | (Consolidated) | ||||||||||
with customers | 8.0 billion yen | ||||||||||
Consolidated | Non-consolidated | ||||||||||
Profit / loss on customer services = | |||||||||||
Profit from main businesses (loans / | |||||||||||
commission business) | 5.8 | ||||||||||
= Average loan balance x deposits | |||||||||||
/ loan yield difference + profit from | |||||||||||
service transactions - expenses | 4.3 | ||||||||||
1.8 | |||||||||||
0.6 | |||||||||||
(Non-consolidated)6.3 billion yen
(Billion yen)
8.0
6.3
FY2022 | FY2023 | FY2024 |
FY2022 | FY2023 | FY2024 |
Although net interest income turned downward in fiscal 2023, consolidated net income grew by 7.3 billion yen from the previous year to 12.0 billion yen, boosted by an increase in net fees and commissions, gains/losses on bond transactions, gains/losses on stock transactions, and lower credit-related expenses.
Capital adequacy ratio 10.77 % 10.46 % | ||||
(Consolidated) | (Non-consolidated) | |||
Consolidated | Non-consolidated | (%) | ||
10.77 | ||||
9.60 | 9.25 | 10.46 | ||
9.29 | 8.95 | |
FY2022 | FY2023 | FY2024 |
Consolidated net business profit on customer service operations increased by 2.1 billion yen from the previous year to 8.0 billion yen, as increases in interest on loans and bills discounted and net fees and commissions more than offset an increase in operating expenses.
ROE | (Consolidated) | (Non-consolidated) | ||
4.28 % | 4.38 % | |||
Consolidated | Non-consolidated | (%) | ||
4.25 | 4.38 | |||
4.09 | 4.28 |
1.79
1.72 |
ROE= | Net income | ×100 | |
[Starting net assets (excluding stock acquisition rights) + | |||
Ending net assets (excluding stock acquisition rights)] ÷ 2 | |||
FY2022 | FY2023 | FY2024 |
ROA | (Consolidated) | (Non-consolidated) | ||
0.18 % | 0.16 % | |||
Consolidated | Non-consolidated | (%) | ||
0.27
0.25 | 0.21 | 0.18 |
0.20 | 0.16 | |
ROA= | Core business net income | ×100 | ||
Average balance of total assets - Average balance of payments received | ||||
FY2022 | FY2023 | FY2024 |
OHR | (Consolidated) | (Non-consolidated) | ||
76.8% | 77.5 % | |||
Consolidated | Non-consolidated | (%) | ||
77.5
72.576.8
68.1 | 72.5 |
67.8 | OHR= | Expenditures | ×100 | ||
Gross profit from core | business | ||||
FY2022 | FY2023 | FY2024 |
The capital adequacy ratio was 10.77% on a consolidated basis and 10.46% on a non-consolidated basis.
* From March 31, 2024, the Bank changed its credit risk measurement method from the Standardized Method to the Fundamental Internal Rating Method.
Both ROA and OHR decreased from the previous year due to a downturn in core business profit stemming from lower interest and dividends on securities, higher expenses, and a decrease in other net operating income. ROE increased, on the other hand, due to upturns in net business profit and net income.
Loan balance | (Non-consolidated) |
4,194.4 billion yen |
SMEs | Housing loans | Municipal governments | Others | (Billion yen) |
3,892.5 | 3,966.6 | 4,194.4 | ||
754.8 | 796.1 | 953.8 | ||
602.7 | 569.5 | 530.9 | ||
1,088.3 | 1,127.0 | 1,158.9 | ||
1,446.5 | 1,473.8 | 1,550.7 |
Year ended | Year ended | Year ended |
March 2022 | March 2023 | March 2024 |
Balance of deposits | (Non-consolidated) |
5,809.5 billion yen |
Individuals | Corporations | Municipal government funds, etc. (Billion yen) |
5,659.5 | 5,727.6 | 5,809.5 |
306.5 | 297.4 | 278.1 |
1,102.0 | 1,102.7 | 1,135.0 |
4,250.8 | 4,327.4 | 4,396.3 |
Year ended | Year ended | Year ended |
March 2022 | March 2023 | March 2024 |
Loans and bills discounted increased by 227.7 billion yen from the previous fiscal year to 4,194.4 billion yen, driven mainly by loans to small and medium-sized enterprises and housing loans.
Deposits totaled 5,809.5 billion yen, an upturn of 81.8 billion yen from the previous fiscal year, mainly reflecting growth in retail deposits.
*For detailed financial information, please refer to the separately published "Disclosure Supplement."
2 Nanto Report 2024, the integrated report of Nanto Bank
About Nanto Bank | Nanto Group Corporate | Practicing Sustainable | Local Market | Strengthening |
Value Enhancement | Management | Revitalization | Profitability | |
Non-financial Highlights (non-consolidated)
Environment
Rate of CO2 emissions
reduction
(FY2013 FY2023)
-48.5%
(Emissions for scopes 1 and 2)
(Increase of 0.5 point from
the previous year)
*Electricity consumption decreased from the previous year, but emissions rose due to an increase in the emission coefficient.
Society
(End March 2024)
Percentage of
female executives
(Section manager and above)
16.0%
(Increase of 1.2 point from
the previous year)
Governance | Number/ | ||
ratio of outside directors | |||
(As of June 27, 2024) | |||
Chairman | Female | ||
In-house | |||
Outside |
5 (41.6%)
Control of Net Assets | Governance | Consolidated Financial | |
Statements | |||
Organizational | Governance | Performance | |
overview and external | |||
environment |
CO2 reduction through
renewable energy-related loans
(FY2023)
Approx. 60,000tons CO2
(Number of loan transactions/ amount: 4 loans/3.6 billion yen)
Number of certified personnel participating in vitality creation*
693
Percentage of employees 30.7%
(Increase of 92 from the previous year)
(Increase of 4.3 points)
*Applied information engineer, SME management consultant, real estate consultant, FP level 1, bookkeeping level 2, and equivalent or higher qualifications
Cross-shareholding
March 31, 2015 | March 31, 2024 |
Percentage in net assets (market value)
38.3% 27.5%
Book value*
51.5billion yen | 28.4billion yen |
Number of issuers*
129 75
*Listed stocks only
Nanto Report 2024, the integrated report of Nanto Bank 3