Investor Presentaiton
Core Net Business Profit
TOCH
GN
TOCHIGI BANK
Change % Change
(Note 1) Substantial net business profit = Net business profit (before
provision to general allowance for loan losses)
(Note 2) Core net business profit = Substantial net business profit -
Gains (losses) on bonds
(Billion yen)
2021/3
2022/3
Substantial net business profit (Note 1)
6.4
4.7
(1.7)
(26.7%)
Core net business profit (Note 2)
7.1
7.5
+0.4
+5.4%
Core net business profit (excluding gains
(losses) from cancellation of investment trusts)
5.8
7.4
+1.6
+28.1%
Trend in Core Net Business Profit
(Billion yen)
■Core net business profit
■Core net business profit
8.0
(excluding gains (losses) from
cancellation of investment trusts)
7.5 7.4
6.0
4.0
2.0
5.6
3.7
4.8
3.8
7.1
5.9
5.8
5.1
0.0
2018/3
2019/3
2020/3
2021/3
2022/3
Substantial net business profit decreased from the
previous fiscal year owing to the decrease in other
operating income (increase in losses on bonds.
However, core net business profit has continued to
increased steadily since the fiscal year ended March 31,
2019.
Core net business profit excluding gains (losses) from
cancellation of investment trusts is increasing, and the
bank is accumulating income without relying on gains
from cancellation of investment trusts.
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