Investor Presentaiton
Expenses
(Billion yen) 2021/3
2022/3
Change % Change
Total expenses
22.6
22.1
(0.5)
Personnel expenses
12.8
12.5
(0.3)
Non-personnel expenses
8.3
8.2
Taxes
1.4
1.4
(2.1%)
(2.4%)
(0.1) (1.2%)
(0.0) (4.5%)
TOCH
GN
TOCHIGI BANK
Expenses are declining due to improved operating efficiency in branch
offices, concentration of administrative work at the Head Office, and
office network restructuring.
Expenses in the fiscal year ended March 31, 2022 fell to 22.1 billion
yen, mainly due to a decrease in personnel expenses.
The number of branch locations in the fiscal year ended March 31,
2022 was 75, under the Branch-in-Branch (BinB) method.
Trend in Expenses and Overhead Ratio (OHR)
Taxes
Personnel expenses
Non-personnel expenses
⚫OHR
Number of Employees and Branch Offices
No. of employees
No. of branch locations
No. of branch offices
30.0
(Billion yen)
40.0
87.1
86.2
82.0
79.5
74.8
2,400
75
(%)
100
(Employees)
3,000
(Locations)
100
92
91
88
86
86
91
85
80
81
75
25.1
24.2
23.7
22.6
22.1
1,800
1,630
60
1,601
1,565
1,540
1,478
20.0
50
13.9
13.3
13.7
12.8
12.5
1,200
40
40
10.0
9.4
8.9
8.8
8.3
8.2
1.5
1.6
1.5
1.4
1.4
0.0
2018/3
2019/3
2020/3
2021/3
2022/3
Note:
25
25
600
20
20
0
0
2018/3
2019/3
2020/3
2021/3
2022/3
= Expenses ÷ Gross operating profit (excluding gains (losses) on the sale of bonds and from cancellation of investment trusts)
OHR (%)
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