Investor Presentaiton
2021/3
Net Interest Income
(Billion yen)
2021/3
2022/3
Change
% Change
Net interest income
26.0
25.4
(0.6)
Interest on loans and
20.9
20.4
(0.5)
discounts
Interest and dividends on
5.0
4.3
(0.7)
(2.2%)
(2.2%)
(14.4%)
securities
Interest on deposits with
0.4
0.8
+0.4 +113.4%
banks
Interest on deposits (-)
0.3
0.2
(0.1) (43.5%)
Reasons for Increases (Decreases) in Net interest Income
Average loan
balance
loans/discounts
Yield on
Average securities
balance
26.0
(0.2)
(0.2)
+0.2
Yield on
securities
(0.9) +0.4
Interest on deposits
with banks
Interest on
deposits
+0.1
25.4
(Billion yen)
TOCH
GN
TOCHIGI BANK
Interest on loans and discounts decreased 500 million yen from the previous
fiscal year, owing to the decline in the average balance and in interest rates.
This reflects the somewhat lower demand for funds in comparison with the
previous fiscal year, which saw an increase in substantially interest-free
loans that did not require collateral amid the COVID-19 pandemic.
Interest and dividends on securities decreased by 700 million yen compared
to the previous fiscal year. The decline resulted from lower yields, despite
the increase in the average balance.
The decrease in overall net interest income was limited to 600 million yen
due to the increase in interest on deposits with banks and decrease in
interest on deposits.
Trend in Yields on Loans and Discounts and on Securities
1.37
Loans/Discounts
Securities
1.16
1.11
1.07
1.06
1.04
1.06
0.90
0.79
0.73
2022/3
2018/3
2019/3
2020/3
2021/3
2022/3
4
(%)View entire presentation