INTERIM FINANCIAL DATA

FOR THE SIX MONTHS ENDED

SEPTEMBER 30, 2022

The Hachijuni Bank, Ltd.

The Hachijuni Bank, Ltd.

  • FINANCIAL REVIEW (The first half fiscal year ended September 30, 2022)

1．Breakdown of income

(Units: 1million yen)

First half of

First half of

Inc/Dec

FY 2022 (A)

FY 2021 (B)

(A‐B)

Consolidated gross business profit

47,955

550

47,405

Profit on interest

37,733

2,623

35,110

Profit on fees and commissions

8,508

173

8,335

Trading account profit

691

(541)

1,233

Profit from other business transactions

1,021

(1,704)

2,726

General & administrative expenses

28,195

859

27,335

Credit related expenses

1,835

3,729

(1,894)

Ordinary profit

20,428

(1,712)

22,141

Extraordinary gains (losses)

(1,396)

(1,218)

(178)

Profit before income taxes

19,032

(2,930)

21,963

Total income taxes

5,868

(539)

6,407

Profit

13,164

(2,391)

15,555

Profit attributable to non-controlling interests

43

(78)

122

Profit attributable to owners of the parent

13,120

(2,312)

15,433

(Number of Consolidated Companies)

Number of consolidated subsidiaries

12

3

9

Number of companies accounted for by the equity method

－

－

－

JPY100mn

《Changes in Ordinary profit》

JPY100mn

《Changes in Profit attributable

to owners of the parent》

200

200

100

190

221

204

100

167

154

116

129

131

108

81

0

0

9/18

9/19

9/20

9/21

9/22

9/18

9/19

9/20

9/21

9/22

《The ratio of consolidated profits to parent company's profits》

1.300 times

(Profit attributable to owners of the parent)

1.250 times

= target ratio of the medium-

1.200 times

term management target

1.100 times

1.079

1.215

1.175

Note: The ratio of 9/18 was lower than

1 time because non-consolidated

1.121

extraordinary gains (1.6 billion yen)

1.000 times

0.947

which arose from the merger with our

subsidiary (Hachijuni Business Service

Co., Ltd.) wasn't recognized as part of

0.900 times

consolidated profits.

9/18

9/19

9/20

9/21

9/22

1

The Hachijuni Bank, Ltd.

(Units: 1million yen)

First half of

First half of

Inc/Dec

FY 2022 (A)

FY 2021 (B)

(A‐B)

Gross business profit

A

42,200

1,014

41,186

Profit on interest

37,652

2,610

35,041

Profit on fees and commissions

5,292

156

5,135

Trading account profit

97

85

11

Profit from other business transactions

(841)

(1,838)

996

Gains (losses) related to bonds

B

(1,735)

(2,368)

632

General & administrative expenses

C

26,308

543

25,764

Personnel expenses

13,471

268

13,203

Non personnel expenses

10,755

111

10,643

Actual net business profit

A‐C

15,892

470

15,422

Core net business profit

A‐B‐C

17,628

2,839

14,789

Core net business profit excluding gains (losses)

19,790

4,706

15,083

on cancellation of investment trusts

Transfer to general reserve for possible loan losses

D

467

467

－

Net business profit

A‐C‐D

15,425

2

15,422

Net gains (losses) related to equity securities

E

5,865

4,521

1,343

Profit (loss) on money held in trust

(1,366)

(1,851)

485

Disposal of nonperforming loans

F

1,262

1,264

(1)

Transfer to specific reserve

1,331

1,331

－

Reversal of allowance for loan losses

G =a+b

－

(1,760)

1,760

Reversal of general reserve

a

－

(527)

527

Reversal of specific reserve

b

－

(1,232)

1,232

Recoveries of written-off claims

H

－

(6)

6

Ordinary profit

17,934

(587)

18,522

Extraordinary gains (losses)

(1,197)

(1,020)

(177)

Profit before income taxes

16,736

(1,607)

18,344

Total income taxes

5,036

(179)

5,216

Profit

11,700

(1,428)

13,128

Profit(losses) related to securities

B+E

4,129

2,153

1,976

Credit related expenses

D+F‐G‐H

1,730

3,498

(1,767)

JPY100mn

《Changes in Core net business profit and Actual net business profit》

200

150

Actual net business profit

100

182

176

Core net business profit

138

130

164

143

154

147

158

114

50

0

9/18

9/19

9/20

9/21

9/22

2

The Hachijuni Bank, Ltd.

《Changes in Ordinary profit》

JPY100mn

《Changes in Profit》

JPY100mn

200

200

150

150

100

185

179

100

142

168

50

93

50

114

120

131

117

67

0

0

9/18

9/19

9/20

9/21

9/22

9/18

9/19

9/20

9/21

9/22

2．Major accounts

◆ Loans

(Units: 100 million yen)

First half of

FY 2021

First half of

Inc/Dec

Inc/Dec

FY 2022 (A)

(B)

FY 2021 (C)

(A‐B)

(A‐C)

For all offices (outstanding balance as of the

59,806

65

2,211

59,740

57,594

end of the period)

Loans to general corporations

34,831

1,105

1,632

33,725

33,199

Loans to consumers

13,591

252

579

13,339

13,011

Housing related loans thereof

12,938

266

613

12,672

12,325

Others

11,383

(1,292)

(0)

12,675

11,383

For all offices (average balance of the period)

60,626

2,514

4,014

58,112

56,612

Loans to general corporations

34,762

1,057

1,367

33,704

33,395

Loans to consumers

13,442

446

620

12,995

12,821

Others

12,421

1,009

2,026

11,412

10,395

Others

《Changes in loans》

《Changes in consumer loans》

Consumer loans

General loans outside Nagano Prefecture

Others

Housing related loans

70,000

General loans in Nagano Prefecture

59,806

16,000

13,011

13,339

13,591

59,740

14,000

12,700

57,594

12,547

55,652

55,875

60,000

11,383

12,675

11,383

12,000

50,000

10,474

10,281

40,000

13,591

10,000

13,339

12,547

12,700

13,011

8,000

30,000

6,000

11,808

11,996

12,325

12,672

12,938

21,189

22,366

20,000

20,506

20,509

20,849

4,000

10,000

2,000

12,123

12,383

12,349

12,536

12,464

0

0

JPY 100mn

9/20

3/21

9/21

3/22

9/22

JPY 100mn 9/20

3/21

9/21

3/22

9/22

/Outstanding balance

/Outstanding balance

3

The Hachijuni Bank, Ltd.

◆ Securities

(Units: 100 million yen)

First half of

FY 2021

First half of

Inc/Dec

Inc/Dec

FY 2022 (A)

(B)

FY 2021 (C)

(A‐B)

(A‐C)

For all offices (outstanding balance as of the

24,480

(3,617)

(7,146)

28,098

31,627

end of the period)

Bonds

13,765

(2,769)

(5,016)

16,534

18,782

JGB thereof

6,537

(1,668)

(3,997)

8,205

10,534

Stocks

4,457

(621)

(757)

5,079

5,215

Foreign securities

3,881

(499)

(1,000)

4,380

4,881

Others

2,376

272

(371)

2,104

2,747

For all offices (average balance of the period)

23,113

(3,970)

(5,172)

27,084

28,285

Bonds

15,061

(3,441)

(4,487)

18,503

19,549

JGB thereof

7,338

(2,785)

(3,811)

10,124

11,150

Stocks

1,205

(65)

(13)

1,270

1,218

Foreign securities

4,385

(421)

(541)

4,806

4,926

Others

2,460

(43)

(129)

2,503

2,590

JPY 100mn

/Outstanding balance

《Changes in securities》

35,000

30,382

33,338

31,627

30,000

28,098

25,000

4,939

5,223

4,881

24,480

4,380

Others

5,058

5,215

20,000

4,067

5,079

3,881

Foreign securities

15,000

4,457

Stocks

10,000

18,822

20,302

18,782

16,534

13,765

Bonds

5,000

0

9/20

3/21

9/21

3/22

9/22

◆ Valuation gains (losses)

(Units: 100 million yen)

As of September 30, 2022

Valuation

Valuation

Valuation

Change

gains

from March

gains

losses

(losses)

31, 2022

Other securities

2,721

(1,105)

3,569

848

Stocks

3,308

(607)

3,317

8

Bonds

(320)

(264)

86

407

Others

(266)

(233)

165

432

《Changes in Valuation gains (losses) and Nikkei Stock Average》

JPY 100mn

¥29,178

¥29,452

Yen

¥27,821

30,000

5,000

¥25,937

¥23,185

25,000

4,000

20,000

3,000

15,000

4,443

2,000

4,193

3,826

10,000

3,410

1,000

2,721

5,000

0

0

9/20

3/21

9/21

3/22

9/22

Changes in Valuation gains (losses)

Nikkei Stock

Average

［right axis］

4

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Hachijuni Bank Ltd. published this content on 09 December 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 09 December 2022 01:42:05 UTC.