Nanto Bank : Information Highlights (493kb)

About Nanto Bank

Information Highlights

Financial Highlights

Net Income	(Consolidated)	(Non-consolidated)
	11.8 billion yen 11.8 billion yen

(Billion yen)		Consolidated	Non-consolidated
15
		10.8	10.6	11.8 11.8
10
5	3.3
3.1
0
FY2020	FY2021	FY2022

Profit / loss on	(Consolidated)	(Non-consolidated)
customer services	1.8 billion yen	0.6 billion yen

(Billion yen)		Consolidated	Non-consolidated
2.5				1.8
		0.3	0.6
0
			-0.9
-2.5
	-3.2
-5.0	-4.4
FY2020		FY2021	FY2022

Profit / loss on customer services = Profit from main businesses (loans / commission business)

= Average loan balance x deposits / loan yield difference + profit from service transactions - expenses

Capital adequacy ratio 9.60 %	9.29 %
(Consolidated)	(Non-consolidated)

1. Consolidated Non-consolidated
   10.0

9.39	9.47	9.60

9.0		9.15	9.29
9.06

0
Year ended	Year ended	Year ended
	March 2020	March 2021	March 2022

ROA	(Consolidated)	(Non-consolidated)
			0.27 %	0.25 %
(%)			Consolidated				Non-consolidated
0.3				0.27	0.27
				0.25	0.25
0.14
0.12
0
FY2020	FY2021	FY2022

ROA=		Core business net income	×100
Average balance of total assets - Average balance of payments received
Loan balance	(Non-consolidated)
		3,892.5 billion yen

(Billion yen)	SMEs	Housing loans	Municipal governments	Others
4,500			3,808.1	3,892.5
	3,477.1
	723.0		754.8
		646.7
3,000		629.1		602.7
		608.2
		993.3	1,042.4		1,088.3
1,500
		1,228.7	1,413.5		1,446.5
0

Year ended	Year ended	Year ended
March 2020	March 2021	March 2022

ROE	(Consolidated)	(Non-consolidated)
	4.09 %	4.25 %

1. Consolidated Non-consolidated
   6.0
   4.034.25

3.0	3.95	4.09
	1.27

1.16

0
	FY2020	FY2021	FY2022
	ROE=		Net income		×100
	[Starting net assets (excluding stock acquisition rights) +
		Ending net assets (excluding stock acquisition rights)] ÷ 2
OHR		(Consolidated)	(Non-consolidated)
			68.1 %	67.8 %

1. Consolidated Non-consolidated
   100.0

	85.0
75.0	84.0	71.7
	68.1
		71.4
		67.8

0
FY2020	FY2021	FY2022
	OHR=		Expenditures	×100
	Gross profit from core businesses

Balance of deposits		(Non-consolidated)
						5,659.5 billion yen
(Billion yen)		Individuals		Corporations		Municipal government funds, etc.

6,000		5,452.6	5,659.5
	5,042.1187.6	306.5
	231.1
	968.7	1,093.0	1,102.0
4,000
2,000	3,885.8	4,128.4	4,250.8
0	Year ended	Year ended	Year ended
	March 2020	March 2021	March 2022

2 Nanto Report 2022, the integrated report of Nanto Bank

Organizational overview	Performance
and external environment

Non-financial Highlights (non-consolidated)

	Rate of CO2 emissions reduction	CO2 reduction through renewable
	energy-related loans
Environment	(FY2013 FY2020)
(FY2021)
	-33.7%	Approx. 37,000tons CO2

(Emissions for scopes 1 and 2)

(No. of loan transactions/amount: 4 loans, 5.2 billion yen)

(Decrease of 1.2 points from the previous year)

(Decrease of approx. 320,000 t-CO2 from the previous year)

		Unconventional human resources
	Percentage of female executives	Certified personnel participating
Society	15.1%	in vitality creation
(End March 2022)	559
	(Increase of 0.6 point from the	(Percentage of employees 24.0%)
	(Increase of 101 from the previous year
	previous year)
	(Increase of 5.0 points)

	Board of Directors diversification	Ratio of outside directors
	Human resources with work
Governance	experience outside the Bank

(End June 2022)

Female

2of 6 internal directors	Outside
4directors = 40%

Nanto Bank Profile (as of March 31, 2022)
Established:	June 1, 1934	Capitalization:	¥37,924.15 million
Headquarters:	16 Hashimoto-cho, Nara, Japan	Homepage:	https://www.nantobank.co.jp/

Nanto Bank Co., Ltd. was established on June 1, 1934 through a merger of Sixty-eight

Bank Co., Ltd., Yoshino Bank Co., Ltd., Yagi Bank Co., Ltd. and Gosho Bank Co., Ltd.

Today, the Bank and its Group offer comprehensive financial services, including leasing, trusts, securities and consulting, in addition to the banking business (deposits, loans, exchange, etc.), with Nara Prefecture and the surrounding region as its primary base of operations.

Nanto Report 2022, the integrated report of Nanto Bank 3