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
(%)View entire presentation