Investor Presentaiton
Table of Contents
1. Summary of Business Performance
Overview of profit/loss in FY2019
Balances, deposits, and other management indicators in FY2019
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2. Policy on Returns to Shareholders
Policy on returns to shareholders
Appendix 1 SDGs Initiatives, Living with COVID-19
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Principal SDGs initiatives
Customer service in the age of COVID-19
Appendix 2 Overview of Financial Results for FY2019
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Net interest income
3. Business Forecast for FY2020
FY2020 performance and dividend forecasts
4. Transformation to a Holding Company Structure
Background and purposes of the transformation to a holding company
structure (establishment of Hirogin Holdings, Inc.)
Hirogin Holdings' management philosophy
Group structure
Management system (governance system) of the Hirogin Holdings
Business model of the Hirogin Holdings
Approaches toward expansion of income
Realization of group synergy
Target interest levels and management indicators under the
holding company structure
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Net fees and commissions income
Expenses
(Reference) Comparison with other banks
Balance of loans, deposits, etc. (deposits + NCD)
Loans to SMEs and personal loans
Securities
Credit costs and non-performing loans
Capital adequacy ratio and ROE
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