Hachijuni Bank : Financial Data（PDF：174KB）

FINANCIAL DATA

FOR THE THREE MONTHS ENDED

JUNE 30, 2022

The Hachijuni Bank, Ltd.

The Hachijuni Bank, Ltd.

1．Breakdown of income

				(Units: 1million yen)
					For the three		For the three
					months ended	Inc/Dec	months ended
					June 30, 2022 (A)	(A‐B)	June 30, 2021 (B)
	Gross business profit	A	25,046	1,257	23,789
		Profit on interest		22,033	2,223	19,810
		Profit on fees and commissions		2,833	(247)	3,081
		Trading profit		43	12	31
		Profit from other business transactions		135	(730)	866
			Gains (losses) related to bonds	B	(356)	(963)	606
	General & administrative expenses	C	13,523	166	13,356
		Personnel expenses		6,856	199	6,657
		Non personnel expenses		5,394	(87)	5,482
	Actual net business profit	A‐C	11,523	1,090	10,432
		Core net business profit	A‐B‐C	11,880	2,054	9,825
			Core net business profit excluding gains (losses)		14,329	4,593	9,735
			on cancellation of investment trusts
	Transfer to general reserve for possible loan losses	D	816	816	－
	Net business profit	A‐C‐D	10,707	274	10,432
	Net gains (losses) related to equity securities	E	915	(183)	1,099
	Profit (loss) on money held in trust		(839)	(1,100)	260
	Disposal of nonperforming loans	F	(787)	(769)	(18)
		Transfer to specific reserve		(720)	(720)	－
	Reversal of allowance for loan losses	G=(a+b)	－	(1,732)	1,732
		Reversal of general reserve	a	－	14	(14)
		Reversal of specific reserve	b	－	(1,746)	1,746
	Recoveries of written-off claims	H	－	(6)	6
	Ordinary profit		11,639	(2,203)	13,842
	Extraordinary gains (losses)		48	164	(115)
	Total income taxes		3,442	(474)	3,917
	Profit		8,245	(1,563)	9,809
	Profit(losses) related to securities	B+E	558	(1,147)	1,706
	Credit related expenses	D+F‐G‐H	29	1,785	(1,756)
2．Earning projection for half year ending September 30, 2022．
				(Units: 100million yen)
					For the three		Projection for
					months ended	A ／ B	half year ending
					June 30, 2022 (A)	2022/9/30 (B)
	Ordinary Profit		116	80%	145
	Profit		82	82%	100

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							The Hachijuni Bank, Ltd.
3．Major accounts
	◆ Loans					(Units: 100 million yen)
				For the three			For the three		FY ended March
				months ended		Inc/Dec	months ended
						31, 2022
				June 30, 2022 (A)		(A‐B)	June 30, 2021 (B)
	Outstanding balance as of the end of	60,228		4,256	55,972		59,740
	the period
	Average balance of the period	60,195		4,063	56,131		58,112
	Loans to consumers			(Units: 100 million yen)
				As of June 30,			As of June 30,		As of March 31,
					Inc/Dec
				2022 (A)		2021 (B)		2022
					(A‐B)
	Loans to consumers		13,446		608	12,837		13,339
		Housing related loans thereof	12,794		647	12,146		12,672
	Loans to small and medium-sized businesses, etc.		(Units: 100 million yen, %)
				As of June 30,			As of June 30,		As of March 31,
					Inc/Dec
				2022 (A)		2021 (B)		2022
					(A‐B)
	Loans to small and medium-sized	30,229		983	29,245		30,077
	businesses, etc.
	Ratio of loans to small and medium-	50.4		(2.0)	52.4		50.5
	sized businesses, etc.
	◆ Securities			(Units: 100 million yen)
				As of June 30, 2022
			Outstanding	Valuation gains
			balance	(losses)	Valuation gains	Valuation losses
	Other securities	25,867	3,041		3,785	744
		Stocks	4,447	3,478		3,486	8
		Bonds	14,483	(223)		124	347
		Others	6,936	(212)		174	387
						(Units: 100 million yen)
				As of March 31, 2022
			Outstanding	Valuation gains
			balance	(losses)	Valuation gains	Valuation losses
	Other securities	28,245	3,826		4,277	450
		Stocks	4,879	3,915		3,921	6
		Bonds	16,534	(55)		156	211
		Others	6,831	(32)		199	232
	◆ Deposits					(Units: 100 million yen)
				For the three			For the three		FY ended March
				months ended		Inc/Dec	months ended
						31, 2022
				June 30, 2022 (A)		(A‐B)	June 30, 2021 (B)
	Outstanding balance as of the end of	81,661		3,463	78,198		80,666
	the period
	Average balance of the	period	80,855		3,669	77,186		77,923

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						The Hachijuni Bank, Ltd.
◆ Personal financial assets deposited				(Units: 100 million yen)
			As of June 30,			As of June 30,		As of March 31,
				Inc/Dec
			2022 (A)		2021 (B)		2022
				(A‐B)
Total (outstanding balance)	56,638		2,268	54,370		55,667
	Yen deposits	54,205		2,170	52,035		53,187
	Investment type products	2,433		97	2,335		2,479
		Foreign currency deposits	130		(25)	155		146
		Investment trusts	1,736		76	1,659		1,791
		Public bonds (Government	566		46	520		542
		bonds, and other bonds)

4． Financial soundness

• Disclosure of loans based on the Financial Revitalization Law

		(Units: 100 million yen, %）
		As of June 30,		As of March 31,
		2022		2022
Total	1,045		1,061
	Bankrupt and quasi-bankrupt assets	60		61
	Doubtful assets	762		777
	Substandard assets	222		221
As a percentage of total credits	1.70		1.74

• Capital ratio (Basel Ⅲ standards)

As of June 30,		As of March 31,
Inc/Dec
2022 (A)	2022 (B)
(A‐B)

Total capital ratio	A／D	17.40%	(1.66%)	19.06%
Tier1 capital ratio	B／D	17.40%	(1.66%)	19.06%
Common Equity Tier1 capital ratio	C／D	17.40%	(1.66%)	19.06%
			(Units: 100 million yen)
Total capital	A	7,724	(484)	8,208
Tier1 capital	B	7,724	(484)	8,208
Common Equity Tier1 capital	C	7,724	(484)	8,208
Risk weighted assets	D	44,385	1,333	43,052
Required capital	D×8％	3,550	106	3,444
		As of June 30,		As of March 31,
		Inc/Dec
		2022 (A)	2022 (B)
		(A‐B)
Total capital ratio	a／d	15.89%	(1.73%)	17.62%
Tier1 capital ratio	b／d	15.89%	(1.73%)	17.62%
Common Equity Tier1 capital ratio	c／d	15.89%	(1.73%)	17.62%
			(Units:	100 million yen)
Total capital	a	6,965	(500)	7,465
Tier1 capital	b	6,965	(500)	7,465
Common Equity Tier1 capital	c	6,965	(500)	7,465
Risk weighted assets	d	43,812	1,443	42,368
Required capital	d×8％	3,504	115	3,389

Note: In the above Risk weighted assets calculation, credit risk assets were based on The Foundation Internal Ratings-Based Approach and operational risk amount was based on The Standardized Approach.

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