Investor Presentaiton
Financial Results Forecast
TOCH
GN
TOCHIGI BANK
(Billion yen)
Non-consolidated
2023/3
2024/3
Change
% Change
Gross operating profit
27.0
27.9
+0.9
Net interest income
29.0
24.8
(4.2)
Fees and commissions income
4.4
4.3
(0.1)
Other operating income
(6.4)
(1.1)
+5.3
Expenses
21.3
21.9
+0.6
Substantial net business profit
5.6
6.0
+0.4
+3.4%
(14.5%)
(2.3%)
+82.8%
+2.8%
+7.1%
Main Points of Non-consolidated Forecast
We forecast an increase in interest on loans and discounts, which is
an income from our main business.
We expect an increase in expenses due to investments for growth
planned in the 11th Medium-term Management Plan.
Core net business profit
12.0
7.2
(4.8)
(40.0%)
Core net business profit
We will restructure the portfolio by selling securities with valuation
losses in order of priority, which involves recording losses from the
sale of those securities.
●Given the strong uncertainty in the domestic economy, such as
soaring energy and raw material prices, we forecast profit of about 1.8
billion yen, based on a conservative estimate of non-performing loan
disposal expenses.
(excluding gains (losses) from
7.9
7.2
(0.7)
(8.8%)
cancellation of investment trusts)
Net business profit
6.4
6.0
(0.4)
(6.3%)
Gains (losses) on bonds
(6.3)
(1.2)
+5.1
+80.9%
Ordinary profit
4.3
3.2
(1.1)
(25.6%)
Profit
2.2
1.8
(0.4)
(18.2%)
Costs for loans written-off
2.7
3.4
+0.7
+25.9%
(Billion yen)
Consolidated
2023/3
2024/3
Change % Change
Ordinary profit
5.0
3.7
(1.3)
Profit attributable to owners of parent
2.6
2.0
(0.6)
(26.0%)
(23.1%)
Main Point of Consolidated Forecast
O Consolidated financial results reflect the financial results forecast at
the non-consolidated level. We forecast around 2.0 billion yen in profit
attributable to owners of parent at the consolidated level.
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