Investor Presentaiton
Corporate Profile
The Yamagata Bank, Ltd., and Consolidated Subsidiaries
Financial Highlights and Ratios
Yen: In millions except per share data and percentages
U.S.dollars: In thousands except per share data and percentages
Together with the region
The Yamagata Bank Ltd. (the "Bank" ) believes that contributing
to the development of the regional economy and community
through diverse activities is the fulfillment of its corporate social
responsibility (CSR) as a regional bank. The Bank is aiming to
raise corporate value by fulfilling its CSR and to be a valuable
bank for the region which is the driving force of the new era.
Present local conditions
Yamagata Prefecture, located in the southern Tohoku, has a
population of 1,140 thousands and the fifth largest economy of
Tohoku region. The economy of Yamagata Prefecture is decentral-
ized and of the multipolarization type, rather than a concentrated
monopolar type. There are four areas of characteristic economy
and culture in the Yamagata Prefecture, named the Murayama
area, which is around the capital city, Yamagata City; the Okitama
area in the south; the Mogami area in the north, and the Shonai
area, which is the only area facing the sea.
Yamagata Prefecture is adjacent to Miyagi Prefecture, of which
capital city, Sendai City, is the largest city in Tohoku region. For
this reason, the brick interaction, called "Senzan Zone Interac-
tion", between Yamagata City and Sendai City, contribute to their
mutual development of economy and culture. After the Great East
Japan Earthquake, the importance of upgrading the transportation
infrastructure on the Sea of Japan side of the country was recog-
nized. Consequently, in Yamagata Prefecture transportation
infrastructure improvements are underway, including improving
expressways and increasing the number of air routes from the
airport.
Representative industries of Yamagata Prefecture are agriculture
and manufacturing. The main products of agriculture are rice,
cherries of top production in Japan, and "La France" pears. The
key products of manufacturing are electronic components and
devices, information and communication equipment. Every
product made in Yamagata Prefecture is considered to be of
quality, thanks to the diligent workers and constant spirit of crafts-
manship since the time of traditional industrial. Moreover, the
prefecture is attractive to tourists for rich natural environment,
which is possesses four distinct seasons and many hot springs.
However, the aging of the population is advancing in the prefec-
ture at a more rapid pace than in other prefectures, so actions to
generate economic vitality are vital. Projects to establish new
next-generation businesses, including the creation of the industry
based on the agriculture, the use of renewable energy, and efforts
to form bioclusters, are being activated.
CONTENTS
Kichishige Hasegawa
President
Financial Highlights and Ratios-
Message from Management
Review of Operations
Corporate Data
Financial Statements
Consolidated
For the years ended March 31
2014 2013
(Millions of yen) (Millions of yen)
2014
(Thousands of U.S.dollars)
Total income.
\
45,738 ¥
47,937
$
444,406
\
34,670
38,227
6,331
5,452
336,870
61,522
Total expenses.
Net income..
Non-Consolidated
2014 2013
(Millions of yen)
39,319 ¥
29,139
6,318
(Millions of yen)
41,280
32,644
5,437
Amounts per share
Net income
¥
37.14 ¥
31.98
$
0.36
\
37.06
31.90
Cash dividends declared during the year
Net assets
6
6
789.89
747.20
7.67
788.18
745.73
As of March 31
Total assets
Loans and bills discounted
Total liabilities
Deposits
Total net assets
Ratios:
Capital ratio (Note 2)
¥2,379,310 ¥2,312,413
1,409,351
2,237,627
1,326,192
2,178,564
$ 23,118,054
13,693,658
¥2,366,529
1,418,297
\ 2,300,369
1,333,899
21,741,427
2,232,173
2,173,235
2,119,245
141,682
2,091,639
133,849
20,591,188
2,126,057
2,098,715
1,376,626
134,355
127,133
2014
2013
13.92%
13.92%
Note 1: U.S.dollars represent transactions, for the convenience of readers, at ¥102.92-U.S.$1.00, the rate prevailing on March 31, 2014.
Note 2: Figures for 2013 and 2014 are shown according to domestic standards.
The graph contains non-consolidated data.
1
2
4
Net Income
Total Net Assets
(Millions of yen)
(Billions of yen)
1,815
3,675
3,706
5,437
6,318
108.6
108.6
2014 2013
13.34%
13.40%
113.9
127.1
134.3
'10 '11 '12 '13 '14
'10 '11
'12 '13
'14
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