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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Hachijuni Bank Ltd. published this content on 05 August 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 09 August 2022 09:45:07 UTC.