Investor Presentaiton
Core Net Business Profit
(Billion yen) 2022/3
2023/3
Change % Change
Substantial net business profit (Note 1)
4.7
5.6
+0.9
+20.2%
Core net business profit (Note 2)
7.5
12.0
+4.5
+59.3%
Core net business profit (excluding gains
(losses) from cancellation of investment trusts)
7.4
7.9
+0.5
+6.7%
Trend in Core Net Business Profit
■ Core net business profit
12
10
8
6
■ Core net business profit (excluding gains (losses) from
cancellation of investment trusts)
4.8
4
3.8
2
5.9
5.1
7.1
5.8
(Billion yen)
12.0
7.9
7.5
7.4
2019/3
2020/3
2021/3
2022/3
2023/3
TOCH
GN
TOCHIGI BANK
(Note 1) Substantial net business profit = Net business profit (before
provision to general allowance for loan losses)
(Note 2) Core net business profit = Substantial net business profit -
Gains (losses) on bonds
Core net business profit for the fiscal year ended March 31,
2023 increased by 4.5 billion yen year on year due to gains
from the cancellation of bear funds held for hedging
purposes to cover losses on the sale of securities.
O Core net business profit (excluding gains (losses) from
cancellation of investment trusts) increased by 500 million
yen year on year mainly due to cost reductions.
* Core net business profit represents the Bank's main business
profitability, which consists of interest income (i.e., interest on
loans and discounts and interest and dividends on securities)
and fees and commissions income.
LO
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