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Investor Presentaiton

HIROSHIMA BANK 2. Non performing Loans (NPLs) V. Financial soundness Still considering the downward trend in corporate performance, we have executed a conservative self-assessment for loans. Coverage to NPLs by mortgage and guarantee increased / Coverage ratio rose to 88.2%. NPLs (term-end balance) and NPL ratio Coverage to NPLs NPL ratio (PY billions) JPY billions) Coverage ratio 3.2% 88.2% 83.3% 2.7% 2.6% 2.8% 82.7% 150 77.4% (128.5) (128.4) 128.5 128.4 100 118.4 114.9 113.2 (118.4) 99.5 98.5 95.0 (114.9) 15.5 50 52.0 26.8 100 36.2 60.2 50 52.7 74.0 86.8 0 06/3 07/3 08/3 09/3 NPLs Coverage to NPLs Coverage ratio Coverage to NPLs = amount of mortgage and guarantee to NPLs (PY billions) 2,000 26.1 1,000 23.9 21.9 14.1 Comparison of NPLs (09/3) 1,284 0 0 06/3 07/3 08/3 Bankrupt etc. Doubtful Sub-standard 09/3 NPL ratio Yokohama Fukuoka Hokuhoku Shizuoka 82 Chiba 77 Hiroshima Kyoto Gunma 18
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