Investor Presentaiton
Review of Operations
The Conditions of Consolidated Accounts
Corporate Data
Management
(As of June 24, 2014)
President
Managing Directors
Corporate Auditors
The General situa-
tion of this term
(from April 1, 2013
to March 31, 2014)
Deposits and negotiable certifi-
cates of deposit
As a result of our efforts to offer
products that respond to the diverse
requirements of our customers, the
year-end consolidated balance of
deposits and negotiable certificates of
deposit rose by ¥27.6 billion during the
year to ¥2,119.2 billion. Deposits by
personal customers increased especially
well.
Deposited assets
The year-end consolidated balance of
deposited financial assets rose by ¥18.8
billion during the year to ¥311.1 billion,
due to reasons such as a satisfactory
increase in personal annuity insurance
of ¥29.9 billion in the year.
Loans
The year-end consolidated balance of
loans rose by ¥83.1 billion during the
year to ¥1,409.3 billion. This was
realized because the Bank proactively
responded to the demand for funds by
local companies and local public
entities, and made constant efforts to
increase loans to personal customers,
mainly focusing on housing loans.
Securities
As a result that we invested assets by
attaching importance to safety and
liquidity and by paying close attention to
investment conditions and market trends,
the year-end consolidated balance of
securities rose by ¥82.1 billion during
the year to ¥854.1 billion.
Profit and loss
The
consolidated ordinary income
declined by ¥2,189 million on the
previous year to ¥45,738 million, mainly
because of a decrease in fund invest-
ment earnings due to the long-lasting
low interest rate environment and the
decrease in the gain on the reversal of
the allowance for bad debts, a large
amount of which was accounted for in
the first half of the year. The consoli-
dated ordinary expenses were down by
¥3,610 million on the previous year to
¥34,534 million, mainly because of a
decrease in security-related losses, such
as losses on sales of shares. As a result,
the consolidated ordinary profit rose by
¥1,421 million during the year to
¥11,203 million, and the consolidated
net income rose by ¥879 million in the
year to ¥6,331 million.
Results by business sector
In the banking business, the ordinary
income for the consolidated fiscal year
was ¥39,319 million, which was ¥1,951
million less than that for the previous
fiscal year; the segment profit for the
consolidated fiscal year was ¥10,316
million, which was ¥1,608 million more
than that for the previous fiscal year. In
the leasing business, the ordinary income
for the consolidated fiscal year was \
4,796 million, which was ¥226 million
less than that for the previous fiscal year;
the segment profit for the consolidated
fiscal year was ¥217 million, which was
¥128 million less than that for the
previous fiscal year. In other business
sectors, the ordinary income for the
consolidated fiscal year was ¥2,544
million, which was ¥41 million less than
that for the previous fiscal year; the
segment profit for the consolidated fiscal
year was ¥739 million, which was ¥96
million less than that for the previous
fiscal year.
Cash flow
Cash flow from operating activities was
positive at ¥40.2 billion, due to increases
in deposits and decreases in call loans,
etc.
Cash flow from investing activities was
negative at ¥79.4 billion, because the
outflow generated by the acquisition of
securities, etc., exceeded the inflow
generated by sales and redemptions of
securities, etc.
Cash flow from financing activities was
negative at ¥1 billion, because of
payments of dividends, etc.
As a result of the above, the year-end
consolidated balance of cash and cash
equivalents decreased by ¥40.2 billion
during the year to ¥36.5 billion.
Kichishige Hasegawa
Senior Managing Directors
Hitoshi Watanabe
Masahiro Takeda
Haruhiko Tanno
Directors
Takami Konta
Tamon Nakagawa
Shinichi Nakayama
Bin Hamada
Yasumasa Gomi
Shinichiro Miura
Yoshihiro Ishikawa
Organization
(As of June 24, 2014)
Board of Directors
Hiromitsu Takahashi
Yoshihiro Domon
Kosuke Suzuki
Masaki Kakizaki
Kiyohiro Naganuma
Satoshi Nagai
Kazuhiro Moriya
Gisuke Ohara
General Meeting of Shareholders
Board of Corporate Auditors
Executive Committee
President
Senior Managing Directors
Managing Directors
Auditing Division
Secretariat
General Planning & Coordinations Division
Personnel Division
General Administration Division
Corporate Business Planning Division
Corporate Business Support Division
Financial Markets Division
Credit Division
Operation Administration Division
Operation Consolidation Division
Tokyo Liaison Office
Head Office Business Division
Branches
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