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Investor Presentaiton

Net Interest Income (Billion yen) 2022/3 2023/3 Change Net interest income 25.4 29.0 +3.6 % Change +14.2% Interest on loans and 20.4 20.3 discounts (0.1) Interest and dividends on 4.3 7.8 +3.5 (0.3%) +81.8% securities Interest on deposits with banks 0.8 0.8 +0.0 Interest on deposits (-) 0.2 0.1 +1.3% (0.0) (44.8%) Reasons for Increases (Decreases) in Net Interest Income 25.4 2022/3 Average loan balance Yield on loans/discounts Average securities balance +2.8 +0.5 (0.6) +0.6 Yield on securities (Billion yen) TOCH GN TOCHIGI BANK Interest on loans and discounts decreased by 100 million yen year on year. This was due to lower yields, despite the increase in the average balance of loans and bills discounted, particularly for SME and personal loans. Interest and dividends on securities increased by 3.5 billion yen year on year. This was due to the inclusion of gains from the cancellation of investment trusts, such as bear funds, to cover losses from the sale of securities. Interest on deposits with banks and interest on deposits remained flat year on year. Overall net interest income increased by 3.6 billion yen year on year. Trend in Yields on Loans and Discounts and on Securities Loans/Discounts Securities 29.0 1.16 1.11 1.07 1.06 1.04 1.06 1.01 0.79 0.90 0.73 2023/3 2019/3 2020/3 2021/3 2022/3 2023/3 4 (%)
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