ANNUAL FINANCIAL DATAFOR THE FISCAL YEAR ENDED
MARCH 31, 2024

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
FY ended
March 31,2024 (A)FY ended
Inc/Dec(A‐B)

March 31,2023 (B)Consolidated gross business profit
100,455
8,897
91,557
Profit on interest
87,773
15,036
72,737
Profit on fees and commissions
18,462
1,251
17,211
Trading profit
299(661)
961
Profit from other business transactions(6,080)(6,727)647
General & administrative expenses
66,251
9,619
56,631Credit related expenses
1,685(2,537)
4,222
Ordinary profit
35,217323
34,893Extraordinary gains (losses)
15,612
15,758(145)
Gain on bargain purchase
17,322
17,322－
Profit before income taxes
50,82916,081
34,747
Total income taxes
13,791
3,258
10,533
Profit37,03812,82324,214
Profit attributable to non-controlling interests
(33)
(113)
79
Profit attributable to owners of the parent
37,071
12,93624,135※ On June 1, 2023, we consolidated The Nagano Bank, Ltd. and its subsidiaries.
In the consolidated financial statements, we have included the performance of these companies for only thenine months from July to March in the income statement.

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

The Hachijuni Bank (Non-consolidated)
FY ended
March 31,2024 (A)87,57680,97810,359111(3,872)(6,280)54,26428,541
22,07733,311
39,591
200
33,111
10,072(964)
1,113
774
036,249681
36,931
9,756
27,174Gross business profit
Profit on interest
Profit on fees and commissions
Trading profit
Profit (Loss) 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 trust
Disposal of nonperforming loans
Transfer to (Reversal of) specific reserve
Recoveries of written-off claims
Ordinary profit
Extraordinary gains (losses)
Profit before income taxes
Total income taxesProfit

2

FY ended
Inc/Dec(A‐B)

7,035
8,179(247)
(69)
(825)
(1,588)
1,366
1,298
154
5,669
7,258(765)6,434
1,409(625)(2,093)(2,466)
0
6,000
633
6,633
1,033
5,600

March 31,2023 (B)80,54072,798
10,607
181(3,047)(4,691)
52,89827,242
21,922
27,64132,333965
26,676
8,662(338)3,207
3,241－
30,24948
30,297
8,723
21,574

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

The Nagano Bank (Non-consolidated)

For the 9months from Julyto MarchGross business profit (loss)(8,088)
Profit on interest
6,304
Profit on fees and commissions
245
Profit (Loss) from other business transactions(14,638)
Gains (Losses) related to bonds(11,750)
General & administrative expenses
7,117
Personnel expenses
3,739
Non personnel expenses
2,957
Actual net business profit (loss)(15,205)
Core net business profit (loss)(3,455)
Transfer to general reserve for possible loan losses(138)
Net business profit (loss)(15,066)
Net gains (losses) related to equity securities
2,781
Profit (Loss) on money held in trust10
Disposal of nonperforming loans(488)Transfer to (Reversal of) specific reserve(598)
Recoveries of written-off claims
0
Ordinary profit (loss)(11,921)Extraordinary gains (losses)
2,182
Profit (Loss) before income taxes(9,739)Total income taxes
3,567
Profit (Loss)(13,306)※ In the consolidated financial statements, we have included the performance of The Nagano Bank, Ltd. foronly the nine months from July to March in the income statement.

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The Hachijuni Bank, Ltd.

2．Major accounts◆ Loans
2 banks' total(Units: 100million yen)As of March 31,2024 (A)68,396
16,280Total (outstanding balance)
Loans to consumers
The Hachijuni Bank

As of March 31,
Inc/Dec (A‐B)

(115)
315

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

As of March 31,2024 (A)62,03414,012

Total (outstanding balance)
Loans to consumers
The Nagano Bank

As of March 31,
Inc/Dec (A‐B)

473
289

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

As of March 31,2024 (A)

6,361
2,267

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)

(588)
26

2023 (B)

6,950
2,241

(Units: 100million yen)

As of March 31,2024 (A)Loans to small and medium-sized businesses, etc.
Ratio of loans to small and medium-sized businesses, etc.
The Hachijuni Bank

36,72453.8

As of March 31,
Inc/Dec (A‐B)

(333)
(0.4)

2024 (A)31,82751.5

As of March 31,
Inc/Dec (A‐B)

105
(0.1)

2023 (B)

31,722
51.6(Units: 100million yen)

As of March 31,
2024 (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 March 31,

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

2023 (B)

4,896
76.9

◆ Deposits
2 banks' total

As of March 31,
Inc/Dec (A‐B)

(439)
0.2

2023 (B)

5,336
76.7

(Units: 100million yen)

As of March 31,2024 (A)94,574

Deposits
The Hachijuni Bank

As of March 31,
Inc/Dec (A‐B)

1,905

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

As of March 31,2024 (A)84,676

Deposits
The Nagano Bank

As of March 31,
Inc/Dec (A‐B)

2,812

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

As of March 31,
2024 (A)9,897

Deposits

4

As of March 31,
Inc/Dec (A‐B)(907)

2023 (B)

10,804

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

As of March 31,

As of March 31,
Inc/Dec (A‐B)

2024 (A)Total (outstanding balance)
Yen deposits
Investment type products
Foreign currency deposits
Investment trusts
Public bonds (Government bonds, and other bonds)

66,561
63,246
3,314
103
2,465
745

1,854
1,283
570
(11)
460
121

◆ Valuation gains (losses)
Consolidated

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

(Units: 100million yen)

As of March 31,2024
Valuation gains(losses)

5,939
6,508(546)(22)

Other securities
Stocks
Bonds
OthersThe Hachijuni Bank

Valuation

Valuation

gains

losses

6,763
6,511
37
214

824
3584
236

(Units: 100million yen)

As of March 31,2024Valuation gains(losses)

5,878
6,416(509)(28)

Other securities
Stocks
Bonds
OthersThe Nagano Bank

Valuation

Valuation

gains

losses

6,658
6,418
37
2027802546231(Units: 100million yen)

As of March 31,2024
Valuation gains(losses)

(14)
63
(80)
2

Other securities
Stocks
Bonds
Others5

Valuation

Valuation

gains

losses

79
63
1
14

94
082
12

The Hachijuni Bank, Ltd.

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

As of March 31,2024 (A)

1,481
144
1,095
241
2.14

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)

395
80
267
47
0.40

2023 (B)

1,086
63
827
194
1.74

◆ Capital ratio (Basel Ⅲ standards)
Consolidated
As of March 31,2024 (A)20.74%
20.74%
20.74%

Total capital ratio
Tier1 capital ratio
Common Equity Tier1 capital ratio

As of March 31,
Inc/Dec (A‐B)

2.38%
2.38%
2.38%

2023 (B)

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

10,10910,10910,10948,723
3,897

Total capital
Tier1 capital
Common Equity Tier1 capital
Risk weighted assets
Required capital
The Hachijuni Bank

2,006
2,006
2,006
4,613
369

As of March 31,2024 (A)21.00%
21.00%
21.00%

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)

4.45%
4.45%
4.45%

2023 (B)

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

9,220
9,220
9,220
43,892
3,511

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

6

1,889
1,889
1,889(389)
(31)

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

The Hachijuni Bank, Ltd.

4. Earning projections for FY 2024
Consolidated(Units: 100million yen)
Projection for half

Projection foryear ending 2024/9/30

FY 2024 (A)

205
140

450
310

Projection for half

Projection foryear ending 2024/9/30

FY 2024 (A)Ordinary profit
Profit attributable to owners of parent
The Hachijuni BankFY 2023
Inc/Dec (A‐B)(B)

98(60)

352370(Units: 100million yen)

FY 2023
Inc/Dec (A‐B)(B)

Actual net business profit
360
27333
170
Core net business profit
360(35)395
170
Net business profit
35221331
164
Ordinary profit
42058362
190
Profit300
29271135※ 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.

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