Investor Presentaiton
Financial Results Forecast
(Billion yen)
[Non-consolidated]
2022/3
2023/3
Change
% Change
Gross operating profit
26.9
27.5
+0.6
+2.5%
Net interest income
25.4
24.5
(0.9)
(3.3%)
Fees and commissions income
4.2
4.1
(0.1)
(3.3%)
Other operating income
(2.8)
(1.1)
+1.7
Expenses
22.1
21.4
(0.7)
+59.2%
(3.6%)
Substantial net business profit
4.7
6.1
+1.4
+31.4%
Core net business profit
7.5
7.3
(0.2)
(3.0%)
Net business profit
4.1
6.1
+2.0
+50.8%
Gains (losses) on bonds
(2.8)
(1.1)
+1.7
+59.7%
Ordinary profit
4.4
4.3
(0.1)
(2.4%)
Profit
3.0
2.6
(0.4)
(15.3%)
Costs for loans written-off
2.0
2.5
+0.5
+21.3%
(Billion yen)
[Consolidated]
2022/3
2023/3
Change % Change
Ordinary profit
5.5
5.0
(0.5)
Profit attributable to owners of parent
3.6
3.0
(0.6)
(10.3%)
(17.3%)
TOCH
GN
TOCHIGI BANK
[Main Points of Non-consolidated Forecast]
The Bank expects interest on loans and discounts to be on par
with the previous fiscal year. However, we expect a decrease in
interest and dividends on securities to result in a decline in net
interest income.
While we project an increase in costs for loans written-off, we plan
to continue efforts to improve operating efficiency and reduce
expenses in the fiscal year ending March 31, 2023. We therefore
forecast around 2.6 billion yen in profit.
Note: Substantial net business profit = Net business profit (before provision
to general allowance for loan losses)
[Main Point of Consolidated Forecast]
Consolidated financial results reflect the financial results forecast
at the non-consolidated level. We forecast around 3 billion yen in
profit attributable to owners of parent at the consolidated level.
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