Investor Presentaiton
Overview of Financial Results
(Billion yen)
[Non-consolidated]
2021/3
2022/3
Change
% Change
Gross operating profit
29.1
26.9
(2.2)
Net interest income
26.0
25.4
(0.6)
Fees and commissions income
3.8
4.2
(7.6%)
(2.2%)
+0.4 +11.9%
Other operating income
(0.7)
(2.8)
(2.1) (277.2%)
Expenses
22.6
22.1
(0.5)
Substantial net business profit (Note)
6.4
4.7
(1.7)
(2.1%)
(26.7%)
Core net business profit
7.1
7.5
+0.4
Core net business profit
(excluding gains (losses) from
5.8
7.4
+1.6
+5.4%
+28.1%
cancellation of investment trusts)
Provision of general allowance for
1.3
0.6
(0.7) (54.4%)
loan losses (1)
Net business profit
5.0
4.1
(0.9) (19.5%)
Losses on sale of bonds
(0.7)
(2.8)
(2.1) (281.0%)
Unusual profits and losses
(1.6)
0.3
+1.9 +118.3%
Gain on sale of equity securities
0.1
1.3
+1.2 +660.2%
Non-performing loan disposal (2)
2.0
1.4
(0.6)
(28.3%)
Ordinary profit
3.3
4.4
+1.1
+29.9%
Profit
1.6
3.0
+1.4
+90.7%
Costs for loans written off (1) + (2)
3.3
2.0
(1.3)
(38.4%)
[Consolidated]
2021/3
2022/3
Ordinary profit
4.5
5.5
Change
+1.0
Profit attributable to owners of parent
2.0
3.6
+1.6
% Change
+23.2%
+74.3%
TOCH
GN
TOCHIGI BANK
[Main Points on Non-consolidated Financial Results]
Non-consolidated core net business profit in the fiscal year ended
March 31, 2022 increased 5% YoY. The growth resulted from an
increase in fees and commissions that more than covered the
decrease in net interest income. Continued efforts to reduce
expenses also contributed to growth.
Profit reached 3 billion yen, outperforming the previous fiscal year.
The increase resulted from an increase in gains on the sale of
equity securities and a decrease in non-performing loan disposal
expenses, which more than covered the increase in losses on the
sale of bonds.
(Note) Substantial net business profit = Net business profit (before provision
to general allowance for loan losses)
[Main Point on Consolidated Financial Results]
Consolidated ordinary profit and profit attributable to owners of
parent for the fiscal year ended March 31, 2022 increased
compared to the previous fiscal year, owing to strong financial
performance on a non-consolidated basis and for Tochigin Tokai
Tokyo Securities Co., Ltd. (a securities subsidiary).
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