The Hachijuni Bank, LTD.

2018
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7777
77
3,192
3,19
92

99,3099,309

Total C
Capital Ratio

55,040,040

20.51%
20.5
51 (BIS standards)

6
6,586

151 D
DomesticoBranches (Japan)
1 Ove
Overseas Branch (Hong Kong)
4 Representative
Rep
Oﬃces
(Dalian, Shanghai, Bangkok & Singapore)(Dali*Figures less than 1 billion yen are rounded off

Credit R
Rating (Long-Term)
Rating an
and Investment Information, Inc.

A+
S&P GlobalG
RatingsA

as of March 31, 2018

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Management Philosophy“Stick firmly to the sound banking principles, thereby contributing to the development of the regional community”

Corporate Vision: Shining at the center of Japan -8 shines
Strong trustworthiness from thepeople and the region of Nagano

Entirely sound,constant & steady earning power

Agreeable correspondence tothe request of our customers

Business promotion fromour customers’ viewpoint

High awareness ofcompliance

Every staff’s speedy,
lively & responsible action

Trustworthy, efficient & assured
operational system and condition

Advanced and confident
computer system

Long-Term Management Guideline

ROE：5% or higher

The 31st Long-Term Management Plan (April 1, 2018 ~ March 31, 2021)“Dare to Change ; Create the Next Generation”
Strengthening and expansion of “face-to-face sales” in order to realize
customer profits
Expansion of investment in developing “human resources” and more opportunities
for their active participation
Reform of sales promotion structure and operational processes
Numerical Targets
Net income attributable to owners of the parent ( for March 2021)

Management
Targets¥25 billion

Ratio of consolidated profits to parent company’s profits (for March 2021)
Dividend payout ratio (consolidated; annual)

Regional
Vitality Targets

Over 30%

Number of new business launches (over three years)

1,000

Number of cases through business matching (sales channel development, etc.)(over three years)

6,000

Number of cases utilizing private placement bonds, funds, etc. (over three years)

500

Number of business successions, M&As, and change/discontinuation ofbusinesses (over three years)

1,000

15% reduced(compared to fiscal 2013)

Amount of greenhouse gas emissions reduced ( for March 2021)

Environmental
Targets

1.25

Number of new contracts for electronic delivery servies (over three years)

3,000

Number of new contracts for and renewals to e-livret (over three years)

100,000

Number of environmental investments and loans (over three years)

3,000

Challenge Targets
As of March 31,
2018

Target amount

Target achievement
periodBalance of loans to SMEs

¥1,431.5 billion¥2,000 billion

March 2028

Number of SME borrowers

25,77730,000March 2028

¥6.8 billion¥10.0 billion

March 2023

OHR (gross business profit basis)

65.0%

Under 60%

March 2023

Amount of greenhouse gas emissions
reduced (compared to fiscal 2013)

11.2%

30% reduced

By fiscal 2030

Target item

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Environmental Philosophy
The Hachijuni Bank Group positions environmental conservation activities as elements vital to corporate social responsibility and willcontribute to the creation of a sustainable regional community through positive and continual improvements in the environment.

Action Program
1. The Group will try to prevent pollution, mitigate the effects of climate change and adapt to climate change by accurately
determining the impact of its activities on the environment as well as the impact from the external environment, and will set,achieve, and review its environmental objectives.
2. The Group will comply with all laws, regulations, and agreements concerning the environment.
3. The Group will make efforts to conserve resources and energy toward reducing environmental burden.
4. By providing financial products, services, and information, the Group aims to support its clients who are directly involved withenvironmental preservation, thereby contributing to improving the local environment.
5. Recognizing the importance of biodiversity which is a blessing of nature, the Group will work to preserve biodiversity.
6. All officers and employees of the Group, and their families, will engage in activities for environmental conservation, as wellas enhance their awareness of environmental issues.

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9LZ\S[ZVM,U]PYVUTLU[HS(JJV\U[PUNMVY-PZJHS@LHY,U]PYVUTLU[HSJVUZLY]H[PVUJVZ[Classification(millions of yen)

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JVUZLY]H[PVUHJ[P]P[PLZ(millions of yen)

FY2016FY2017

310

172

Resource circulation cost31

30

Pollution prevention cost

00Global environmental
conservation cost279

142 (*1)

Administrative activity cost

64

63

Cost saved (*3 )Personnel cost

43

42

Total

Disclosure of environment
information and advertisement

1412

Maintenance of environmental
management system

65

Monitoring of environmental burden

1

4Social activity cost (*2 )

18

19

Total

392

254

Business area cost

Item

FY2016FY2017

1,293

1,711

1,240

1,688

Income from EB contracts

41

17

Income from ISO14001 consultations

12

6

40

△ 23

1,330

1,688

IncomeIncome from environment-relatedloans*1 Installation cost of LED, solar power generation system,
introduction cost of energy-saving window glass*2 Support funds for “Hachijuni-no-Mori,” donations to
Nagano Environment Conservation Associations*3 The amount reduced in utilities expenses, supplies
expenses and expenses for disposing of wastes throughenergy and resource saving efforts (stated by straightcomparison with the previous fiscal year)
A negative figure means an increase from the previous fiscal
year.

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FY2016FY2017228410

CO 2 emission reduced by customers through the help of the Bank’s core businesses

491,211403,678

Total

491,439

404,088

CO 2 emission reduced by the Bank’s internal efforts (by straight comparison with the previous fiscal year)

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'LUHFWRU 2XWVLGH'LUHFWRU（DVRI-XQH）Shareholders’ Meeting
Audit & Supervisory Board Members, Audit & Supervisory Board
Board of Directors

Branch Support Department

ChairmanManagement
Committee

President
Deputy PresidentManaging Directors

Corporate Banking Department
Personal Banking Department
International and Treasury Department
Financial Market Department
Loan Control Department
Loan Supervision Department
Loan Operations Center
Operations Administration Department
Computer Systems Department

Overseas Branch
Domestic Branches and
Sub-Branches

Planning and Coordination Department
Personnel Department
General Secretariat
General Affairs Department—Environment Office

Operation Centers

Risk Management Department
Tokyo Liaison OfficeInternal Audit Department

The Hachijuni Bank, Ltd.

Hachijuni Staff Service Co., Ltd.
Hachijuni Securities Co., Ltd.
Hachijuni Credit Guarantee Co., Ltd.
Yamabiko Services Co., Ltd.
Hachijuni Lease Co., Ltd.
Hachijuni DC Card Co., Ltd.
Hachijuni System Development Co., Ltd.
Hachijuni Capital Co., Ltd.
Hachijuni Auto Lease Co., Ltd.

（DVRI-XQH）Date ofestablishment

Line of business

September 1986

Placement of temporary working staff

May 1949

Securities business

December 1983

Guarantee to consumer loan

June 2000

Credit collection and management

June 1974

Leasing

August 1982

Credit card business

December 1983

Development of computer systems

September 1984

Venture capital for high-tech companies

October 2005

Leasing（DVRI-XQH）Name
State Street Bank and Trust Company 505223
Meiji Yasuda Life Insurance Company
Nippon Life Insurance Company
The Bank of Tokyo-Mitsubishi UFJ, Ltd
Japan Trustee Services Bank, Ltd. (Trust Account)

Numberof sharesin thousands
19,022
17,867
17,00016,364
13,926

%
3.77
3.54
3.37
3.24
2.76

Numberof sharesin thousands
The Master Trust Bank of Japan, Ltd. (Trust Account)
12,540Shin-Etsu Chemical Co., Ltd.
11,830Showa Shoji Co., Ltd.
11,820
Aioi Nissay Dowa Insurance Co., Ltd.
11,441
Tokio Marine & Nichido Fire Insurance Co., Ltd.
9,098
Name

%
2.48
2.34
2.34
2.27
1.80

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IROORZVStock
Persons
Number of
Date of Exercise
Option Granted Options Granted
Grant
Price Exercise Period
2008
July 28,¥ 1 From July 29, 2008,
9 directors 105,700 shares($0.01) to July 28, 2033
Stock Option
2008
2009
July 27,¥ 1 From July 28, 2009,8 directors 135,900 shares($0.01) to July 27, 2034
Stock Option
2009
2010
August 2,¥ 1 From August 3, 2010,
8 directors 150,000 shares($0.01) to August 2, 2035
Stock Option
2010
2011
August 8,¥ 1 From August 9, 2011,
8 directors 150,000 shares($0.01) to August 8, 2036
Stock Option
2011
2012
August 6,¥ 1 From August 7, 2012,
8 directors 150,000 shares($0.01) to August 6, 2037
Stock Option
2012
2013
August 5,¥ 1 From August 6, 2013,
7 directors 129,300 shares($0.01) to August 5, 2038
Stock Option
2013
2014
July 22,¥ 1 From July 23, 2014,
8 directors 133,800 shares($0.01) to July 22, 2039
Stock Option
2014
2015
July 27,¥ 1 From July 28, 2015,
8 directors 78,900 shares($0.01) to July 27, 2040
Stock Option
2015
2016
July 25,¥ 1 From July 26, 2016,
8 directors 150,000 shares($0.01) to July 25, 2041
Stock Option
2016
2017
July 24,¥ 1 From July 25, 2017,
7 directors 109,600 shares($0.01) to July 24, 2042
Stock Option
2017

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