About Nanto Bank

Information Highlights
Financial Highlights
Net IncomeConsolidated(Consolidated)(Non-consolidated)

4.7 billion yen 4.7 billion yen

Non-consolidated(Billion yen)

Profit / loss on transactions (Consolidated) (Non-consolidated)
5.8 billion yen 4.3 billion yen
with customers
Consolidated

Non-consolidated

11.8 11.8

10.8 10.6(Billion yen)

5.8

4.3
1.8
0.6

0.3

4.7 4.7

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-0.9
FY2021

FY2022

FY2023

FY2021

FY2022

FY2023

Consolidated net income declined by 7.1 billion yen from the previous year to 4.7 billion
yen due to decreases in net interest income and profit/losses on bond transactions.

Consolidated net business profit earned through transactions with customers grew by 4.0billion yen from the previous year to 5.8 billion yen, boosted by increases in commissions
and interest on loans and fees accompanied by a decrease in operating expenses.

Capital adequacy ratio

ROE

Consolidated(Consolidated)(Non-consolidated)

9.25 % 8.95 %Non-consolidated(%)(Consolidated)

Consolidated

9.60

9.47

9.25
9.29

9.15

(Non-consolidated)

1.72 % 1.79 %Non-consolidated

4.03

4.25

3.95

4.09(%)

1.79

8.95		Net income
ROE=×100[Starting net assets (excluding stock acquisition rights) +Ending net assets (excluding stock acquisition rights)] ÷ 2

FY2021

FY2022ROA

FY2023(Consolidated)

Consolidated

FY2021(Non-consolidated)

0.21 % 0.20 %Non-consolidated

0.27(%)FY2022OHR

FY2023(Consolidated)Consolidated

0.25

0.25

72.5% 72.5 %(%)

FY2022

72.5

68.1

71.4

67.8

Core business net income
ROA=×100
Average balance of total assets - Average balance of payments received

FY2021

72.5

71.7

0.20

(Non-consolidated)

Non-consolidated

0.27
0.21

1.72

FY2023

OHR=Expenditures
×100
Gross profit from core business

FY2021

FY2022

FY2023The consolidated and non-consolidated capital adequacy ratios fell to 9.25% and 8.95%, respectively, from the end of the previous fiscal year, due mainly to lower profits from the disposal oflosses in the market sector. ROE also turned downward from the previous year.
ROA and OHR both declined year-on-year in the wake of a downturn in core business profit. We are working to improve both these indicators in FY2023, building on the continued strength of
our core business division earnings and the promise of improved earnings in the market sector.

Loan balance
SMEs

Housing loans

3,808.1(Non-consolidated)

3,966.6 billion yen
Municipal governments

Others (Billion yen)

3,966.6

3,892.5

723.0

754.8

796.1

629.1602.7

569.5

1,042.4

1,088.3

1,127.0

1,446.5

1,473.8

1,413.5
Year ended
March 2021

Year ended
March 2022

Year ended
March 2023

The balance of loans, comprising primarily loans to small and medium-sizedenterprises and housing loans, increased by 74.1 billion yen from the end of the same
period of the previous year to 3,966.6 billion yen.

2 Nanto Report 2023, the integrated report of Nanto Bank

Balance of deposits
Individuals

Corporations

5,452.6(Non-consolidated)

5,727.6 billion yen
Municipal government funds, etc.

5,659.5231.1
1,093.0

306.5
1,102.0

4,128.4

4,250.8

Year ended
March 2021

Year ended
March 2022

(Billion yen)

5,727.6

297.4
1,102.7

4,327.4

Year ended
March 2023

Deposits, mainly retail deposits, totaled 5,727.6 billion yen, with an increase of 68.1
billion yen from the same period of the previous year.

About Nanto Bank

Our Shared Vision

Developing Human
Value Creation by theGovernance Supporting Our Consolidated Financial
Resources for Value Creation Group’s Human Resources Proactive Human ResourcesStatements

Organizational
overview and external
environment

Governance

PerformanceNon-financial Highlights (non-consolidated)
Environment

Rate of CO2 emissions
reduction(FY2013

CO2 reduction throughrenewable energy-related loans

FY2022)-49.0%(Emissions for scopes 1 and 2)(Decrease of 13 points
from the previous year)(FY2022)

Approx.

19,000tons CO2(Number of loan transactions/amount: 7 loans/6.1 billion yen)Society(End March 2023)

Percentage offemale executives(Section manager and above)

Number of certified personnel
participating in vitality creation*

601

14.8%

Percentage of employees 26.4%(Increase of 0.5 point fromthe previous year)(Increase of 42 from the previous year)(Increase of 5.0 points)*Applied information engineer, SME management consultant,real estate consultant, FP level 1, bookkeeping level 2, andequivalent or higher qualifications

Governance

Number/ratio of outside
directors (End June 2023)

Cross-shareholdings
March 31, 2015

March 31, 2023

Percentage in net assets (market value)

In-house

Chairman

FemaleOutside5 (41.6 )%38.3 28.6%%

Book value

51.5 billion yen

33.3 billion yen

Number of issuers

12988

Nanto Report 2023, the integrated report of Nanto Bank3