Investor Presentaiton
Expenses
(Billion yen) 2022/3
2023/3
Change % Change
Total expenses
22.1
21.3
(0.8)
Personnel expenses
12.5
12.1
(0.4)
(3.6%)
(3.4%)
Non-personnel expenses
8.2
7.8
(0.4)
(4.0%)
Taxes
1.4
1.3
(0.1)
(2.7%)
Trend in Expenses and Overhead Ratio (OHR)
GN TOCHIGI BANK
TOCH
Expenses are declining due to reduction, streamlining, and concentration
of business operations in branch offices, and office network restructuring.
Expenses in the fiscal year ended March 31, 2023 fell to 21.3 billion yen,
and OHR (based on gross operating profit) decreased by 2.0 percentage
points year on year.
The number of branch locations as of March 31, 2023 was 75, under the
Branch-in-Branch (BinB) method.
Number of Employees and Branch Offices
Taxes
Personnel expenses
(Billion yen)
40.0
86.2
82.0
79.5
74.8
72.8
Non-personnel expenses
Employees
Branch offices
-Branch locations
⚫OHR
(%)
100
(Persons)
3,000
(Locations)
100
91
88
86
86
86
189
30.0
24.2
23.7
22.6
22.1
21.3
75
2,400
75
85
60
80
81
75
75
1,800
1,601
60
1,565
1,540
60
50
1,478
1,402
50
20.0
13.7
13.3
12.8
12.5
12.1
10.0
8.9
8.8
8.3
8.2
7.8
1.5
0.0
1.5
1.4
1.4
1.3
2019/3
2020/3
2021/3
2022/3
2023/3
1,200
25
600
40
40
20
20
0
0
2019/3
2020/3
2021/3
2022/3
2023/3
Note: OHR (%) = Expenses ÷ Gross operating profit (excluding gains (losses) on the sale of bonds and from cancellation of investment trusts)
10
10View entire presentation