FINANCIAL DATAFOR THE NINE MONTHS ENDED
December 31, 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 9 months
ended December
31, 2023 (A)For the 9 months
Inc/Dec(A‐B)

ended December
31, 2022 (B)Consolidated gross business profit
79,6687,150
72,517
Profit on interest
66,217
9,045
57,172
Profit on fees and commissions
14,179861
13,317
Trading profit
253
(595)
848
Profit from other business transactions(982)(2,160)1,178
General & administrative expenses
48,532
6,120
42,411Credit related expenses
2,124
74
2,050
Ordinary profit
27,792(4,649)32,441
Extraordinary gains (losses)
16,394
17,852(1,457)
Gain on bargain purchase
17,322
17,322―
Profit before income taxes
44,187
13,20330,984
Total income taxes
11,224
1,802
9,421
Profit32,963
11,40021,563
Profit attributable to non-controlling interests
1122487
Profit attributable to owners of the parent
32,851
11,376
21,475※ 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 thesix months from July to December in the income statement.

1

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

The Hachijuni Bank (Non-consolidated)
For the 9 months
ended December
31, 2023 (A)68,192
61,3988,064
89(1,360)(3,023)40,37721,061
16,51827,81530,839(270)
28,086
4,277(923)
1,413
1,307
0
27,1801,333
28,514
7,413
21,100Gross 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 trust
Disposal of nonperforming loans
Transfer to specific reserve
Recoveries of written-off claims
Ordinary profit
Extraordinary gains (losses)
Profit before income taxesTotal income taxes
Profit2

For the 9 months
Inc/Dec(A‐B)

4,379
4,348(334)
(31)
397
97
795
577
328
3,584
3,486(791)4,375(4,398)647
25(125)0(1,415)2,594
1,179(649)
1,829

ended December
31, 2022 (B)63,81357,0508,399
121(1,757)(3,121)
39,581
20,483
16,19024,231
27,353521
23,7108,676(1,570)
1,387
1,433
－
28,595(1,261)
27,334
8,063
19,271

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

The Nagano Bank (Non-consolidated)

For the 6months from Julyto December

Gross business profit (loss)(5,346)
Profit on interest
4,315
Profit on fees and commissions
213
Profit (Loss) from other business transactions(9,875)
Gains (Losses) related to bonds(9,875)General & administrative expenses
4,706
Personnel expenses
2,504
Non personnel expenses
1,943
Actual net business profit (loss)(10,052)
Core net business profit (loss)(177)
Transfer to general reserve for possible loan losses
25
Net business profit (loss)(10,078)
Net gains (losses) related to equity securities
1,389
Profit (Loss) on money held in trust(21)
Disposal of nonperforming loans
285Transfer to specific reserve
172
Recoveries of written-off claims
0
Ordinary profit (loss)(9,029)Extraordinary gains (losses)(795)
Profit (Loss) before income taxes(9,824)
Total income taxes
2,695
Profit (Loss)(12,520)※ In the consolidated financial statements, we have included the performance of The Nagano Bank, Ltd. foronly the six months from July to December in the income statement.

3

The Hachijuni Bank, Ltd.

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

As of Dec.31,2023 (A)69,263
16,216

Total (outstanding balance)
Loans to consumers
The Hachijuni Bank

As of Dec.31,
Inc/Dec (A‐B)

1,473
299

2022 (B)

67,79015,916(Units: 100million yen)

As of Dec.31,2023 (A)62,388
13,940Total (outstanding balance)
Loans to consumers
The Nagano Bank

As of Dec.31,
Inc/Dec (A‐B)

1,306
253

2022 (B)61,081
13,686(Units: 100million yen)

As of Dec.31,2023 (A)

6,875
2,276

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

As of Dec.31,
Inc/Dec (A‐B)

166452022 (B)

6,708
2,230

(Units: 100million yen)

As of Dec.31,
2023 (A)Loans to small and medium-sized businesses, etc.
Ratio of loans to small and medium-sized businesses, etc.
The Hachijuni Bank

37,23253.9

As of Dec.31,
Inc/Dec (A‐B)

835
0.1

2023 (A)31,90851.2

As of Dec.31,
Inc/Dec (A‐B)

595(0.2)2022 (B)31,313
51.4(Units: 100million yen)

As of Dec.31,
2023 (A)Loans to small and medium-sized businesses, etc.
Ratio of loans to small and medium-sized businesses, etc.

36,396
53.8(Units: 100million yen)

As of Dec.31,

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

2022 (B)

5,323
77.4

◆ Deposits
2 banks' total

As of Dec.31,
Inc/Dec (A‐B)

240
1.7

2022 (B)

5,083
75.7

(Units: 100million yen)

As of Dec.31,
2023 (A)93,652

Deposits
The Hachijuni Bank

As of Dec.31,
Inc/Dec (A‐B)

1,663

2022 (B)

91,989(Units: 100million yen)

As of Dec.31,2023 (A)83,019Deposits
The Nagano Bank

As of Dec.31,
Inc/Dec (A‐B)

2,030

2022 (B)80,989(Units: 100million yen)

As of Dec.31,
2023 (A)

10,632

Deposits

4

As of Dec.31,
Inc/Dec (A‐B)(366)

2022 (B)

10,999

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

As of Dec.31,2023 (A)Total (outstanding balance)
Yen deposits
Investment type products
Foreign currency depositsInvestment trusts
Public bonds (Government bonds, and other bonds)

66,78063,768
3,011
104
2,194
713

As of Dec.31,
Inc/Dec (A‐B)

1,523
1,148
375
(13)
280
108

◆ Valuation gains (losses)
Consolidated

2022 (B)

65,25662,620
2,636
117
1,914
604

(Units: 100million yen)

As of Dec.31,2023
Valuation gains(losses)

5,050
5,551(475)(24)

Other securities
Stocks
Bonds
OthersThe Hachijuni Bank

Valuation

Valuation

gains

losses

5,791
5,557
53
180

740
6528
205

(Units: 100million yen)

As of Dec.31,2023
Valuation gains(losses)

5,030
5,495(442)(22)

Other securities
Stocks
Bonds
OthersThe Nagano Bank

Valuation

Valuation

gains

losses

5,725
5,499
52
174

695
3495
196

(Units: 100million yen)

As of Dec.31,2023
Valuation gains(losses)(48)
46(80)(14)

Other securities
Stocks
Bonds
Others5

Valuation

Valuation

gains

losses

60
46
2
10109
083
25

The Hachijuni Bank, Ltd.

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

As of Dec.31,2023 (A)

1,441
130
1,079
230
2.04

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

As of Dec.31,
Inc/Dec (A‐B)

217
42
149
25
0.27

2022 (B)

1,223
87
930
205
1.77

◆ Capital ratio (Basel Ⅲ standards)
Consolidated
As of Dec.31,2023 (A)18.57%
18.57%
18.57%

Total capital ratio
Tier1 capital ratio
Common Equity Tier1 capital ratio

As of Sept.30,
Inc/Dec (A‐B)

1.80%
1.80%
1.80%

2023 (B)

16.77%
16.77%
16.77%(Units: 100million yen)

9,457
9,457
9,457
50,922
4,073

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

1,011
1,011
1,011
566
45

As of Dec.31,
2023 (A)18.69%
18.69%
18.69%

Total capital ratio
Tier1 capital ratio
Common Equity Tier1 capital ratio

8,446
8,446
8,446
50,355
4,028
As of Sept.30,

Inc/Dec (A‐B)

1.83%
1.83%
1.83%

2023 (B)

16.86%
16.86%
16.86%(Units: 100million yen)

8,588
8,588
8,588
45,948
3,675

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

6944
944
944
620
49

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