Investor Presentaiton

HIROSHIMA BANK 3. Capital adequacy ratio V. Financial soundness ■Capital adequacy ratio has steadily increased through the accumulation of retained earnings. ■Capital adequacy ratio (Non-consolidated) reached 11%, Tier 1 ratio (Non-consolidated) reached 7%. Capital adequacy ratio and Tier 1 ratio (non-consolidated basis) (PY billions) Capital adequacy ratio Comparison of Capital adequacy ratio 09/3) (Non-consolidated) 9.53% 400.0 300.0 135.1 11.24% 10.66% 10.39% 150.3 Tier 1 ratio (Non-consolidated) 6.49% 200.0 5.73% 161.8 154.8 15.0% 10.0% 5.0% 7.00% 6.72% 0.0% 263.9 268.1 250.1 100.0 203.6 0.0 олт Yamaguchi Yokohama Gunma Fukuoka Chiba Hiroshima 11.24% Kyoto Enhancement of capital 82 Chugoku Joyo Shizuoka Tier 1 ... Enhance through accumulation of retained earnings 06/3 07/3 08/3 09/3 Tier 2 ... Tier Tier2 - Capital adequacy ratio - Tier1 ratio Ensure flexibility to cope with change in risk assets 19

View entire presentation