Investor Presentaiton
2. Financial Highlights
HIROSHIMA BANK
I. Outlook/Financial highlights
(PY billions)
60
50
40
30
20
10
44.8
1.0%
47.3
2.2%
Real economic
growth in Hiroshima
47.8
2.0%
49.9
3.3%
52.4
2.6%
52.8
2.5%
44.8
-3.1%
LLLLLL
10.3
14.4
15.2
0
FY02
FY03
FY04
Core banking profit
20.2
18.3
FY05
FY06
Net income
FY07
21.2
Real economic growth in Hiroshima
FY08
7.4
Profitability
< FY 2008 >
Profit decreased mainly due deterioration of economy and market confusion.
<Core banking profit >
Decrease dprofit in retail asset management due to
the weaker equity markets.
Decrease dprofit in currency derivative transactions
due to decrease in import-export transactions.
< Net income >
•Suffered from impairment losses on securitized
products (CDO).
Credit cost increased due to bankruptcy of large-
sized companies (such as Urban Corp./Lehman Bros.)
Risk of large credit costs and impairment loss on securities occurring in the future is limited
(We have already taken such costs and loss in FY2008)
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