INTERIM FINANCIAL DATAFOR THE SIX MONTHS ENDED
September 30, 2023

The Hachijuni Bank, Ltd.

On June 1,2023 the Hachijuni Bank merged with the Nagano Bankby making it a wholly owned subsidiary.

The Hachijuni Bank, Ltd.

1．Breakdown of income(Units: 1million yen)

Consolidated
For the six months
ended September
30, 2023 (A)52,494
41,395
9,266
189
1,644
31,627
1,089
17,076
16,885
17,32233,961
7,442
26,51833
26,485

Consolidated gross business profit
Profit on interest
Profit on fees and commissions
Trading profit
Profit from other business transactions
General & administrative expenses
Credit related expenses
Ordinary profit
Extraordinary gains (losses)
Gain on bargain purchase
Profit before income taxes
Total income taxes
ProfitProfit attributable to non-controlling interests
Profit attributable to owners of the parent

For the six months
Inc/Dec(A‐B)

4,539
3,661
757
(502)
622
3,432
(746)
(3,352)
18,281
17,322
14,9281,574
13,354(10)
13,364

ended September
30, 2022 (B)47,95537,733
8,508
691
1,021
28,195
1,835
20,428(1,396)―
19,032
5,868
13,16443
13,120(Number of Consolidated Companies)
Number of consolidated subsidiaries
16412
Number of companies accounted for by the equity method
―――
On
June
1,2023,wehaveconsolidated
The
NaganoBank,Ltd.
anditssubsidiaries.
※
In the consolidated financial statements, we have included the performance of these companies for only thethree months from July to September in the income statement.

1

The Hachijuni Bank, Ltd.
(Units: 1million yen)

The Hachijuni Bank (Non-consolidated)
For the six months
ended September
30, 2023 (A)43,45738,521
5,18661(311)(1,478)26,907
13,617
11,273
16,55018,028(131)
16,681
1,613(591)
474
367
0
14,87248
14,920
3,945
10,975Gross business profit
Profit on interest
Profit on fees and commissions
Trading profit
Profit from other business transactions
Gains (losses) related to bonds
General & administrative expenses
Personnel expenses
Non personnel expenses
Actual net business profit
Core net business profit
Transfer to general reserve for possible loan losses
Net business profit
Net gains (losses) related to equity securities
Profit (loss) on money held in trustDisposal of nonperforming loans
Transfer to specific reserve
Recoveries of written-off claims
Ordinary profit
Extraordinary gains (losses)
Profit before income taxes
Total income taxes
Profit2

For the six months
Inc/Dec(A‐B)

1,256
868
(106)
(36)
530
257
599
145
518
657
400
(599)
1,256
(4,251)774(788)(963)
0(3,062)
1,245(1,816)(1,091)(725)

ended September
30, 2022 (B)42,20037,652
5,292
97(841)(1,735)26,30813,471
10,755
15,892
17,628467
15,425
5,865(1,366)
1,262
1,331
―
17,934(1,197)
16,736
5,036
11,700

The Hachijuni Bank, Ltd.
(Units: 1million yen)

The Nagano Bank (Non-consolidated)

For the threemonths from Julyto September

Gross business profit
2,655
Profit on interest
2,640
Profit on fees and commissions
67
Trading profit－Profit from other business transactions(52)
Gains (losses) related to bonds(86)
General & administrative expenses
2,392
Personnel expenses
1,259
Non personnel expenses
983
Actual net business profit
262
Core net business profit
348
Transfer to general reserve for possible loan losses(15)Net business profit
278
Net gains (losses) related to equity securities
303
Profit (loss) on money held in trust(31)
Disposal of nonperforming loans
220
Transfer to specific reserve
180
Recoveries of written-off claims
0
Ordinary profit
278
Extraordinary gains (losses)(569)
Profit before income taxes(291)
Total income taxes
2,724
Profit(3,016)※ In the consolidated financial statements, we have included the performance of The Nagano Bank, Ltd. foronly the three months from July to September in the income statement.

3The Hachijuni Bank, Ltd.

2．Major accounts◆ Loans
2 banks' total(Units: 100million yen)

As of Sept.30,2023 (A)69,643
16,147

Total (outstanding balance)
Loans to consumers
The Hachijuni Bank

As of March 31,
Inc/Dec (A‐B)

1,131
183

2023 (B)68,511
15,964(Units: 100million yen)

As of Sept.30,
2023 (A)62,73813,885

Total (outstanding balance)
Loans to consumers
The Nagano Bank

As of March 31,
Inc/Dec (A‐B)

1,177
162

2023 (B)61,561
13,722(Units: 100million yen)

As of Sept.30,2023 (A)

6,905
2,262

Total (outstanding balance)
Loans to consumers◆ Loans to small and medium-sized businesses, etc.
2 banks' total

As of March 31,
Inc/Dec (A‐B)

(45)
20

2023 (B)

6,950
2,241

(Units: 100million yen)

As of Sept.30,
2023 (A)Loans to small and medium-sized businesses, etc.
Ratio of loans to small and medium-sized businesses, etc.
The Hachijuni Bank

36,96753.2

As of March 31,
Inc/Dec (A‐B)

(91)
(1.0)

2023 (A)

31,65050.5

As of March 31,
Inc/Dec (A‐B)

(71)
(1.1)

2023 (B)

31,722
51.6(Units: 100million yen)

As of Sept.30,
2023 (A)Loans to small and medium-sized businesses, etc.
Ratio of loans to small and medium-sized businesses, etc.

37,05854.2(Units: 100million yen)

As of Sept.30,

Loans to small and medium-sized businesses, etc.
Ratio of loans to small and medium-sized businesses, etc.
The Nagano Bank

2023 (B)

5,317
77.0

◆ Deposits
2 banks' total

As of March 31,
Inc/Dec (A‐B)

(19)
0.3

2023 (B)

5,336
76.7

(Units: 100million yen)

As of Sept.30,
2023 (A)93,199Deposits
The Hachijuni Bank

As of March 31,
Inc/Dec (A‐B)

531

2023 (B)92,668(Units: 100million yen)

As of Sept.30,2023 (A)82,447

Deposits
The Nagano Bank

As of March 31,
Inc/Dec (A‐B)

583

2023 (B)81,864(Units: 100million yen)

As of Sept.30,2023 (A)10,751

Deposits

4

As of March 31,
Inc/Dec (A‐B)(52)

2023 (B)

10,804

The Hachijuni Bank, Ltd.
◆ Personal financial assets deposited
2 banks' total(Units: 100million yen)

As of Sept.30,2023 (A)Total (outstanding balance)
Yen deposits
Investment type products
Foreign currency deposits
Investment trusts
Public bonds (Government bonds, and other bonds)

As of March 31,
Inc/Dec (A‐B)

65,73762,804
2,933
115
2,155
662

1,030
841
189(0)
150
39◆ Securities
2 banks' total

2023 (B)64,706
61,962
2,744
115
2,005
623

(Units: 100million yen)

As of Sept.30,2023 (A)As of March 31,
Inc/Dec (A‐B)

32,453
17,037
4,932
6,146
5,333
3,935

Total (outstanding balance)
Bonds
JGB thereofStocks
Foreign securities
Others2,238
787(743)689
533
227◆ Valuation gains (losses)
Consolidated

2023 (B)30,215
16,250
5,675
5,457
4,799
3,708

(Units: 100million yen)

As of Sept.30,2023
Valuation gains(losses)

Other securities
Stocks
Bonds
OthersThe Hachijuni Bank

3,885
4,703
(606)
(210)

Change fromMarch 31, 2023

Valuation

Valuation

gains

losses35498(326)
(137)

4,895
4,709
23
161

1,009
6630
372

(Units: 100million yen)

As of Sept.30,2023
Valuation gains(losses)

Other securities
Stocks
Bonds
OthersThe Nagano Bank

3,881
4,632(564)(186)

Change fromMarch 31, 2023

Valuation

Valuation

gains

losses

69467
(284)
(113)

4,817
4,637
23
156

936
4588
342

(Units: 100million yen)

As of Sept.30,2023
Valuation gains(losses)(136)
63(92)(107)

Other securities
Stocks
Bonds
Others5

Change fromMarch 31, 2023

(35)
26(46)(15)

Valuation

Valuation

gains

losses

75
63
2
10

212
095117

The Hachijuni Bank, Ltd.

3． Financial soundness◆ Disclosure of loans based on the Financial Revitalization Law
Consolidated(Units: 100million yen)

As of Sept.30,2023 (A)

137
1,065
235
1,438
2.04

Total (outstanding balance)
Bankrupt and quasi-bankrupt assets
Doubtful assets
Substandard assets
As a percentage of total credits

As of March 31,
Inc/Dec (A‐B)

73
237
40
351
0.30

2023 (B)

63
827
194
1,086
1.74

◆ Capital ratio (Basel Ⅲ standards)
Consolidated
As of Sept.30,
2023 (A)

16.77%
16.77%
16.77%

Total capital ratio
Tier1 capital ratio
Common Equity Tier1 capital ratio

As of March 31,
Inc/Dec (A‐B)(1.59%)(1.59%)(1.59%)

2023 (B)

18.36%
18.36%
18.36%(Units: 100million yen)

8,446
8,446
8,446
50,355
4,028

Total capital
Tier1 capital
Common Equity Tier1 capital
Risk weighted assets
Required capital
The Hachijuni Bank343
343
343
6,245
499

As of Sept.30,
2023 (A)

16.86%
16.86%
16.86%

Total capital ratio
Tier1 capital ratio
Common Equity Tier1 capital ratio

8,102
8,102
8,102
44,1103,528
As of March 31,

Inc/Dec (A‐B)

0.31%
0.31%
0.31%

2023 (B)

16.55%
16.55%
16.55%(Units: 100million yen)

7,643
7,643
7,643
45,3283,626

Total capital
Tier1 capital
Common Equity Tier1 capital
Risk weighted assets
Required capital

6312
312
312
1,046
83

7,331
7,331
7,331
44,281
3,542

The Hachijuni Bank, Ltd.

4. Earning projections for FY 2023
Consolidated(Units: 100million yen)First half ofProjection for

FY 2023

FY 2023 (A)

170
264

Ordinary profit
Profit attributable to owners of parent
The Hachijuni Bank

210
270

FY 2022
Inc/Dec (A‐B)

(B)

(138)
29348
241

(Units: 100million yen)First half ofProjection for

FY 2023

FY 2023 (A)FY 2022
Inc/Dec (A‐B)(B)

Core net business profit16531034276
Actual net business profit
18033512323
Net business profit
16631044266
Ordinary profit
14833028302
Profit
109
240
25215
※ These projections are based on certain estimates which the bank believes are reasonable, based on
information available as of the date of this filing; there is the possibility that the actual results may varysignificantly due to various factors in the future.

7