The First Section of Tokyo Stock Exchange: 8359

The 45th Information Meeting
The 31st Long-Term Management Plan

Dare to Change; Create the Next Generation（April 2018 ~ March 2021)

May 14, 2020・This document has been prepared for information purpose only so it should not be construed as anoffer or solicitation to buy or sell any securities.
・This document includes statements concerning future business results. These statements do notguarantee future business results, but contain risks and uncertainties. Please note that future businessresults may differ from projections for reasons such as changes in the business environment.
・Information contained herein may be changed or revised without prior notice.

＜For inquiry＞
Planning & Coordination Dept. Investor Relations
TEL：026-224-5512
FAX：026-226-5077
E-mail： irtantou@82bank.co.jp
THE HACHIJUNI BANK,LTD. The45th Information Meeting1

Copyright （C） 2020 THE HACHIJUNI BANK,LTD. All Rights Reserved.

Hachijuni Bank’s Profile
Company nameTHE HACHIJUNI BANK, LTD.

Head office

Nagano City, Nagano Prefecture

Date ofestablishments

Aug 1st, 1931

Support for TCFD
The Bank announced a support
for TCFD in Mar 2020.

Domestic 151
in Nagano:131, outside Nagano:20

Network(incl. consolidated branches by branch-in-branch
integration: 10 in Nagano)Overseas Branch: 1 (Hong Kong)
Representative Offices: 3（Shanghai, Bangkok, Singapore)*Dalian Representative Office was closed in Oct 2019.

No. of employee

3,138

Capital stock¥52.2bn

Issued shares

511,103 thousand shares

Total assets¥10,413.2bn

Net assets¥691.5bn

Deposits¥6,989.1bn

Loans¥5,443.9bn

Total capital ratio(Basel Ⅲ)

Consolidated: 18.94％ (preliminary)Non-consolidated: 17.59％ (preliminary)Ratings

S&P Global Ratings： A
R&I
： A+
JCR
： AA

THE HACHIJUNI BANK,LTD. The45th Information Meeting(As of Mar 31, 2020)

The Bank aggressively
work on this matter as
a leading bank ofenvironmental
management.

LED lighting

Head office2

Copyright （C） 2020 THE HACHIJUNI BANK,LTD. All Rights Reserved.

IndexMain Volume

P.4～26

１． Outline of FY2019 Financial Results and FY2020 Forecasts

２． Major Accounts and Main Figures
３． Progress in the 31st Long-Term Management Plan

TopicsSteady improvement of profits in core businesses(¥100mn)

3/20163/20173/20183/20193/2020Gross business profit

906

886

866

868

871

Profit on interest

751

738

700

688

689

Profit on fees & commissions

99

80

83

79

84

32

▲69

▲44

▲16

▲10

【for reference】
Profits in core businesses by FSA’s
standard※our calculation

3
THE HACHIJUNI BANK,LTD. The45th Information Meeting

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Outline of FY2019 Financial Results（¥100mn）■ Non-Consolidated（¥100mn）

3/20193/2020Change

983

990

6

Profit on interest

690

690

0

Profit on fees &commissions

134

143

8

Trading profit

20

23

2

138

133

▲4

Consolidated grossbusiness profit

Profit from otherbusinesstransactions
General &administrative
expenses

609

594

▲14

Credit related
expenses

18

14

▲4

Gains/losses related
to stocks

18

▲18

▲37

Gains/losses onmoney held in trust

▲41

▲16

25

Ordinary profit

343

334

▲9

Net income
attributable toowners of parent

224

220

▲4

Ratio of consolidated
profits to parent
company’s profits(times)3/20193/2020Change

868

871

2

688

689

1

Profit on fees &commissions

79

84

5

Profit from other business
transactions

99

97

▲2

90

90

▲0

G&A expenses（C）

547

537

▲10

Actual net business profit（A-C）

320

333

12

Core net business profit（A-B-C)

229

242

13

240

247

7

Transfer to general reserve for possible
loan losses (D)

▲30

9

40

Net business profit（A-C-D)

350

323

▲27

Gains/losses related to stocks（E）

17

▲23

▲40

Gains/losses on money held in trust

▲41

▲16

25

47

▲3

▲51

Reversal of allowance for loan losses

-

-

-

Reversal of general reserve

-

-

-

Reversal of specific reserve

-

-

-

290

280

▲10

11

▲7

▲18

Net income

218

195

▲22

Profit /losses related to securities（B+E）

108

67

▲41

17

6

▲10

Gross business profit (A)Profit on interest

Gains/losses related to bonds（B）

Excl. cancelation P/L on investment
trustsTemporary profit/losses■ Consolidated

Disposal of NPL

Ordinary Profit
Extraordinary gains/losses

1.030

1.128

THE HACHIJUNI BANK,LTD. The45th Information Meeting

0.098

Credit related expenses

4

Copyright （C） 2020 THE HACHIJUNI BANK,LTD. All Rights Reserved.

Review of FY2019 Financial Results and FY2020 Forecasts■ Review of FY2019 Financial Results (Consolidated)Ordinary profit was ¥33.4bn (▲¥0.9bn from FY2018) due to losses related to stocks (▲¥3.7bn) despite

an increase in consolidated gross business profit (+¥0.6bn) and a decrease in operating expenses (▲¥1.4bn).


Net income attributable to owners of the parent was ¥22.0bn (▲¥0.4bn).

■

Review of FY2019 Financial Results (Non-Consolidated)Core net business profit was ¥24.2bn (+¥1.3bn from FY2018) due to an increase in fees & commissions anda decrease in general & administrative expenses.



Ordinary profit was ¥28.0bn (▲¥1.0bn) due to an increase in losses related to stocks (▲¥4.0bn) despite adecrease in losses on money held in trust (+¥2.5bn).



Net income was ¥19.5bn (▲¥2.2bn) due to the lack of extraordinary gains (¥1.6bn) by the merger
with a group company recorded in the previous fiscal year.

■ FY2020 (3/2021) Forecasts

Because of the widespread impact of COVID-19 pandemic, it is difficult to make forecasts at present.



We will disclose FY2020 forecasts immediately if we can calculate it by a proper and reasonable manner.

5
THE HACHIJUNI BANK,LTD. The45th Information Meeting

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Gross Business Profit (Non-Consolidated)Gross business profit increased by ¥0.2bn from FY2018 due to increases in profit on interest
and profit on fees & commissions despite a decrease in gains related to bonds.

Profit on interest increased by ¥0.1bn due to an increase in interest & dividends on securities
despite a decrease in interest on loans and an increase in funding cost of foreign currencies.

■ Gross Business Profit(¥100mn)
886
Profit fromobt

Profit on f&c

66

866

868

871

80

99

97

80
83

Profit on interest 738

3/2017700

3/201879688

3/2019◆ FY2019 (3/2020) Increase/Decrease Factors(¥100mn)

3/20193/2020

Profit oninterest

688

689

1

See page 7

Profit on fees&
commissions

79

84

5

See page 8

Profit otherbusinesstransactions

99

97

▲2

See page 9

ChangeFor reference

84

689

3/20206
THE HACHIJUNI BANK,LTD. The45th Information Meeting

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Profit on Interest (Non-Consolidated)Profit on interest increased by ¥0.1bn from FY2018 due to an increase in interest & dividends
on securities (+¥1.3bn) despite a decrease in interest on loans.

Interest on loans decreased by ¥0.4bn due to a decline in interest rates despite an increasein outstanding balance.
3/20183/20193/2020

700

688

689

466

474

469

Domestic

443

433

418

International

23

41

51

Interest & dividends on
securities

295

302

316

Domestic

199

202

226

International

95

100

89

Interest on deposits

▲25

▲32

▲35

Domestic

▲6

▲5

▲4

International

▲19

▲27

▲30

▲20

▲23

▲28

Domestic

▲13

▲15

▲17

International

▲7

▲8

▲10

3/20183/20193/2020

1,743

2,335

2,859

(¥100mn)

Profit on interest

Interest on loans

Interest payment oninterest rate swaps(¥100mn)
Loans to the Japanese
government (averagebalance)）

3/2017808

THE HACHIJUNI BANK,LTD. The45th Information Meeting Yield (%)

3/20183/20193/2020

Yield on loans

0.93

0.90

0.86

Domestic

0.90

0.84

0.79

0.94

0.89

0.84

1.76

2.81

2.70

Yield on securities

1.28

1.29

1.22

Domestic

1.06

1.04

1.04

International

2.34

2.46

2.14

Funding costs

0.11

0.13

0.13

Domestic

0.02

0.02

0.02

International

1.14

1.64

1.64

Yield on deposits

0.04

0.04

0.05

Domestic

0.01

0.00

0.00

International

1.35

1.90

1.94

Excl. loans to theJapanesegovernment

International

7

Copyright （C） 2020 THE HACHIJUNI BANK,LTD. All Rights Reserved.

Profit on Fees & Commissions (Non-Consolidated)Profit on fees & commissions increased by ¥0.5bn from FY2018 due to increases in handlingfees of private placement bonds (corporate banking) and control of the reduction andexemption of several fees.

◆ Corporate Banking （¥1mn)(¥100mn)

3/20183/20193/2020

2,163

2,122

1,189

1,316

1,319

292

227

106

2,074

1,810

Profit on fees &commissions〈Major items〉

Fees & commissions
Deposit/loan business
Exchange business(transfer/remittance
etc.)

83
174

79
173

84
180

70

72

76

60

59

60

Syndicatedloans, ppbs

1,097

Derivatives
related147

M&A related

564

591

618

694

3/20173/20183/20193/2020◆ Personal Banking（¥1mn)
3,542
3,140

Public bonds

Securities-related
business

25

19

21

47

Fees & commissions
payment
Fees related to
payment loans

90
64

94
67

96
69

20
827

1,510
Investment
trusts

3,340

615

833

Life & non-life
insurance

31

2,759

24
907

1,142

1,306

Financial
instrumentsintermediary/
introduction
Services

764
490
464

622

3/20173/2018Foreign currency
deposits

470

1,149

881

369
310

3/20193/2020※ Incomes from consulting businesses were included in the above figures.
※ Incomes other than “fees & commissions” were also included in these figures.
THE HACHIJUNI BANK,LTD. The45th Information Meeting8

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Profit/Losses Related to Securities (Non-Consolidated)Profit/losses related to securities decreased by ¥4.1bn from FY2018 due to an increase in losses on sales of stocks.



Average balance of securities increased by ¥242.7bn due to increases in foreign bonds and corporate bonds.
■ Profit/Losses Related to Securities■ Average Balance of Securities(¥100mn)

113
980
G/L onmoney held 10
in trusts

39

12,695

13,346

16,412

11,948

10,19910,0469,407

3/20173/20183/20193/2020（NET:66)

17

67

JGBs

（NET:50)■Valuation Gains/Losses on Securities(after interest rate swap hedge)(¥100mn)

90
Gains/Losses
relatedto bonds

23,392

108

24

G/L related
to stocks

90

73

3,036
(NET：2,853)

Others
Bonds

55

74
597

3,091
(NET：3,060)
33
369

▲ 23

3/20183/2019THE HACHIJUNI BANK,LTD. The45th Information Meeting

CHSs

2,649
(NET：2,373)
224

148

CHSs

2,355

2,688

3/2020

136

CHSs

2,363

▲ 41
▲ 16

2,932
(NET：2,795)
440

Cross
-holding
stocksStocks3/201725,82022,895

Others 11,790（NET:123)（NET:90)

23,739(¥100mn)

2,345Valuation G/Lon interest (▲ 183)
rate swap
3/2017
with hedge

2,602(▲ 31)

3/2018

2,276
2,266

(▲ 137)3/20192,215(▲ 276)3/20209

Copyright （C） 2020 THE HACHIJUNI BANK,LTD. All Rights Reserved.

Market Investment (Yen-Denominated Bonds)■Holding Amounts■Profit/Losses(Outstanding Balance)(¥100mn)

Valuation
gains/losses
before hedge

369

443

226

Valuation
gains/losses
after hedge

344

297

66

18,372

19,017

15,397
Corporate
bonds
Municipal
bonds

4,523

5,100

(¥100mn)
Total
realized
P/L

Gains on salesof bonds

167

3,838

3,622

Interest
on bonds

100

70

80

88

79

264

2,876
2,550

137

97

-3

JGBs

9,971

10,011

10,009

-12

-27

-7

Cancellation losses
on asset swaps etc. -174

-15
-17

-15
-5

Swap interest
payment
Losses on sales of bonds

3/20183/20193/20203/20183/2019※ The above figures were based on ALM accounting so they weredifferent from the figures on Financial Statements.
THE HACHIJUNI BANK,LTD. The45th Information Meeting

3/202010

Copyright （C） 2020 THE HACHIJUNI BANK,LTD. All Rights Reserved.

Market Investment (Foreign Currency-Denominated Bonds)■Holding Amounts■Profit/Losses(Outstanding Balance)(¥100mn)(¥100mn)
Valuation
gains/losses
before hedge

▲8

37

127

Valuation
gains/losses
after hedge

▲5

27

35

Total
realized P/L

44

13Cancellation
profit on asset
swaps etc.

14

3,636

2,749

1,308

1,040

2,692

Gains on salesof bonds

Interest on
bonds

Funding
costs

884

Denominatedin Euro

1,441

46

37

25

57

50

-23

-37

-3

Swap interest
payment

2,596

50

-1

Losses on salesof bonds-50

57

Cancellation
losses on asset
swap etc.

-4

-38

-1

-18

Cancellation
losses on asset
swap etc.

-4
-1

1,809

Denominatedin USD
3/20183/20183/20193/2020THE HACHIJUNI BANK,LTD. The45th Information Meeting

3/20193/2020※ The above figures were based on ALM accounting so they weredifferent from the figures on Financial Statements.

11

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General & Administrative Expenses (Non-Consolidated)Personnel expenses decreased by ¥0.7bn from FY2018 due to a decrease in staff headcount, non personnel
expenses decreased by ¥0.3bn due to the reorganization of operational sections as well as the review of network.

General and administrative expenses decreased by ¥1.0bn.

■ Depreciation and Investment Amounts■ G&A Expenses(¥100mn)

579
Tax

Non
personnel
expenses

35

256

563

36

245

(¥100mn)547

537

Depreciation32

32

Investment
amounts

226

223

Main
investments

3/20193/202040（Original plan：73）

37（Original plan：72）

32*Next phased information
system*Tablet for paperless

37*Next phased information
system*Reconstruction of
branches/welfare facilities◆ FY2019 Increase/Decrease Factors(¥100mn)

Personnel
expenses
Personnel
expenses

287

3/2017282

3/2018288

3/2019281

3/2019288

3/2020281

Main factors

Change▲7

・Decrease in wages
・Decrease in temporary
employment costs(average no. of staff:▲185)
・Decrease in maintenancecosts (▲¥0.3bn)
・Decrease in depreciation(▲¥0.2bn)Non
personnel
expenses

226

223

▲3

Tax

32

32

+0

―

3/202012
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Credit Related Expenses (Non-Consolidated)Credit related expenses was ¥0.6bn as transfer to general reserve was ¥0.9bn due to the downward movementof portfolio while disposal of NPLs was a negative ¥0.3bn due to collections of loans from large borrowers.

Outstanding balance of NPLs increased by ¥2.0bn from FY2018.

■Outstanding Balance of Reserve for
Loan Losses■Credit Related Expenses(¥100mn)(¥100mn)

2

383

Specific reserve 167

171

231

3/2017

General reserve

47

Disposal of NPLs

398

15

9

Transfer togeneral reserve▲ 25

3/2017

Creditrelatedexpenses▲23

3/2018▲33/201917

3/2020

6

169

119

211

181

191

3/20183/20193/20203/20173/20183/20193/2020Bankrupt and quasibankrupt assets

101

120

101

75

Doubtful assets

640

542

492

475

Substandard assets

226

207

167

231

Total

967

869

761

782

NPL ratio

1.94%

1.68%

1.41％

1.41％

After partial
direct charge-off※

1.83%

1.53%

1.30％

1.34％

(¥100mn)

▲ 30

311

■Non-Performing Loans (NPLs)

▲3
▲ 19

351

※Partial direct charge-off was not executed. This figure was disclosed only forthe reference.
THE HACHIJUNI BANK,LTD. The45th Information Meeting

13

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Return to Shareholders


Dividend payout ratio of FY2019 achieved “over 30%”, which is one of the target of 31st Long-Term
Management Plan.

(¥100mn)

3/20173/20183/20193/2020

Annual dividends①

70

65

69

68

Dividend per share

¥14.0

¥13.0

¥14.0

¥14.0

¥6.0

¥6.0

¥6.0

¥6.0

29

28

70

95

98

98

231

227

224

220

※Consolidated※Consolidated

Dividend payout ratio(non-consolidated)①÷④

30.6%

28.9%

30.9%
※Consolidated

31.1%※Consolidated

Ratio of shareholder
returns (non-consolidated）
③÷④

30.6％

41.9％

43.7％
※Consolidated

44.7％※Consolidated(full year)

Interim dividend
Purchase of own stocks②
Shareholder returns③＝①＋②
Net income(non-consolidated) ④0Note 1

Note 229

Note 1: Based on the resolution of Feb 2018

Note 2: Purchased 6,745,400 shares from Sep 2019 to Nov 2019
THE HACHIJUNI BANK,LTD. The45th Information Meeting

14

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Major Accounts (Loans/Deposits)

Average balance of loans and deposits marked new record highs respectively.

■ Average Balance of Loans(¥100mn)

48,05950,14652,474■Average Balance of Deposits
54,316(¥100mn)

63,366
Outside 6,426
NaganoOutsideNaganoInsideNagano22,81324,09825,48264,438
5,908

66,1705,752

68,043

5,853

26,80825,24526,04826,991

27,5073/20173/20183/20193/2020Inside56,940Nagano58,53160,41862,1913/20173/20183/20193/202015
THE HACHIJUNI BANK,LTD. The45th Information Meeting

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Main Figures (Business Loans)
Business loans increased by ¥84.7bn from FY2018 because demand for funds of equipment capitaland operation capital increased both inside and outside Nagano.
Business loans to SMEs increased by ¥17.2bn, mainly in loans inside Nagano.

■Business Loans by District■Business Loans to SMEs※(Outstanding Balance)(Outstanding Balance)(¥100mn)

29,17329,82331,67730,830(¥100mn)

16,00015,500OutsideNagano18,415

18,791

20,317

19,580

The ratio of SME loans to total business loans

47.9%

47.7%

11,0313/20173/2018

11,35911,249

46.9%

46.2%

46.0%

14,50044.0%

13,50013,944

14,315

14,467

14,6393/2020

42.0%
40.0%

13,0003/201948.0%

15,00014,000Inside10,758Nagano

50.0%

38.0%
3/20173/20183/20193/2020※ SMEs (excl. local public entities) + self-employed company owner■Business Loans for Real Estate Sector(Outstanding Balance)◆COVID-19 dedicated loans

3/20173/20183/20193/2020Inside Nagano

1,549

1,658

1,712

1,699

Total

3,495

3,732

3,969

4,159

1,136

1,212

1,348

1,520

(¥100mn)(Loans to large
companies)※

Large companies: ¥1bn or more capital with 300 or over employees

THE HACHIJUNI BANK,LTD. The45th Information Meeting

16
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Main Figures (Personal Loans)Personal loans increased by ¥33.9bn from FY2018 to ¥1,248.1bn. (record high)

Housing-related loans increased by ¥34.8bn due to the increase of demand for funds of new homes. (record high)■ Personal Loans■ Apartment Loans, Other Loans(Outstanding Balance)(Outstanding Balance)(¥100mn)

11,380
Other loans

762

11,715782

12,142795

12,481(¥100mn)

1,890

1,914

1,903

480

502

501

302

293

284

1,069

1,108

1,119

1,118

3/20173/20183/20193/2020

1,831

785

Others458

Card loans 304

Housing-relatedloans

10,617

10,932

11,347

11,695
Apartment loans

3/20173/20183/20193/2020※ Loans for corporate customers were excluded.
THE HACHIJUNI BANK,LTD. The45th Information Meeting17

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Main Figures (Investment Type Products in Personal Banking)

Outstanding balance (market price) of investment type products in personal banking decreased by ¥49.7bn

from FY2018, reflecting market turmoil caused by coronavirus pandemic.
Income from investment type products (Bank + Hachijuni Securities Co., Ltd.) decreased by ¥0.1bn.


As for Installment–type Investment Trusts, no. of accounts and monthly installments increased
respectively and hit new record highs.

■ Income from ITP■ Investment Type Products(Bank+HS)(Outstanding Balance)

Foreign currency 6,181
deposits
FIIS
Public bonds

Investment
trusts795(¥100mn)

162
332

1,604

5,793
653

168
311

1,558

73.3
(¥100mn)

5,533
551

1,545

156
210

5,036
443

3,288

3,103

3,071

3/20183/2019

HS

56.0

60.3
15.3

1,337

Structured
12.0
bonds

Sale ofinvestment
trusts2,985

Stocks3/2017

61.7

21.0

147
124

Trusts feesLifeinsurance※after deduction of the Bank’s intermediary fee

2.1
3.0

HS

4.8

24.6

HS

2.5

9.4

37.9

2.6
3.0
7.3

7.3

28.3

18.6

HS

2.8
3.7

32.7

7.5

3/2020◆ Installment–type Investment Trusts

Bank

Bank

Bank

Bank

投信積立

3/20173/20183/20193/2020No. of IIT accounts

18,691

22,17525,67632,787

-

2,675

5,460

10,278

31.4

35.4

33.4

27.5

361

480

907

3/20173/20183/20193/2020(installment NISA)
Monthly installments(¥1mn)

247

THE HACHIJUNI BANK,LTD. The45th Information Meeting18
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Market Investment (the Change in Outstanding Balance of Securities)


Promoting diversified investment while continuing yen-denominated securities investment(Cost basis, ¥100mn)

3/20183/20199/20193/2020Interest-bearing JGBs

8,013

8,684

8,413

8,234

8,870

Floating-rate JGBs

1,656

1,256

1,101

824

731

0

11

167

167

218

4,651

4,816

7,236

8,528

7,071

Yen-denominated securitized
products

581

582

598

639

656

Structured bonds etc.

126

59

87

282

802

46

39

67

54

94

Inflation-protected JGBs
Bonds

9/2018Other domestic bonds

Domestic stocks

1,148

1,162

1,138

1,122

1,138

Domestic ETF

161

184

165

81

209

J-REIT

263

273

268

219

267

Other investment trusts

1,796

1,740

2,047

2,182

2,288

Union-type of funds etc.

185

178

193

207

214

Hedge funds

224

229

238

227

225

Hedge funds

47

50

49

47

48

Yen-denominated foreign bonds

342

352

357

374

443

Foreign stocks, ETF etc.

103

87

105

123

151

Foreign currency-denominated
bonds

2,492

2,499

2,123

2,356

2,760

Foreign currency-denominatedsecuritized products

263

398

533

594

750

0

0

0

0

0

Total

22,052

22,55824,885

26,207

26,840Bond durations (years)

3.62

3.68

3.62

4.21

3.77

Foreign securities

StocksYen-denominatedinvestment trusts

CLO

Foreign currency-denominated CLO

THE HACHIJUNI BANK,LTD. The45th Information Meeting

Responding swiftly tothe market turmoil by
the following investments◆Buying (Mar 2020)(¥100mn)※ No loss-cut & impairment lossin J-REIT

19

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Outline of the 31st Long-Term Management Plan

“Dare to change; Create the Next Generation”
April 2018 ~ March 2021

⇒ P.23◆ Strengthening quantity in “face-to-face sales”◆ Strengthening quality in “face-to-face sales”◆ Expansion of the scope of “face-to-face sales”◆ Strengthening “face-to-face sales” of thewhole Hachijuni Group⇒ P.25◆ Reorganization of operational sections(change of organization, review of business,outsourcing)◆ Reduction of operational processes◆ Increasing operational efficiency by IT◆ Review of structure (branch/staff)◆ Reducing burden on the customer/
improving convenience⇒ P.24◆ Career path/program of nurturing human resources◆ Staff support system according to their age◆ Personnel exchanges within the Hachijuni Group◆ Nurturing human resources in specialized fields◆ Work style reformTHE HACHIJUNI BANK,LTD. The45th Information Meeting20

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Progress in the 31st Long-Term Management Plan 【Numerical Targets】
Management
Targets
Net income
attributable toowners of the parent

Ratio of consolidated
profits to parent
company’s profits
Dividend payout ratio(consolidated)）

FY2019Targets¥25.0bn（FY2020）

1.25 times（FY2020）（3/2020）¥22.0bn

1.12 times

Over 30％（annual）

31.1％

Regional Vitality Targets
No. of new business launches : companies

Environmental
Targets（3/2020）

Amount of greenhousegas emissions reduced(compared to FY2013)（FY2020）

No. of new contracts forelectronic delivery
services: cases（over 3 years）

No. of new contracts forand renewals to e-livret:cases（over 3 years）

No. of environmental
investments and loans:cases（over 3 years）

15％

18.8％

3,000

100,000

4,958
77,161

3,000

1,947

Targets

FY2019（3/2020）

1,000

788

（over 3 years）

No. of cases through business matching (sales
channel development, etc.)（over 3 years）

No. of cases utilizing private placement bonds,
funds, etc.

（over 3 years）

No. of business successions, M&As, andchange/discontinuation of businesses（over 3 years）

THE HACHIJUNI BANK,LTD. The45th Information Meeting

FY2019Targets

6,000
500
1,000

7,224
523

776

21

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Progress in the 31st Long-Term Management Plan
【Challenge Targets/Long-Term Management Guideline】

Challenge Targets

FY2018Targets

Target Year

FY2019（3/2020)

Business loans to SMEs
(outstanding balance)¥1,446.7bn¥2tn

FY2027¥1,463.9bn

No. of SME borrowers

26,25030,000

FY2027

26,903

Income from investment typeproducts (Bank + HS)¥5.4bn¥10.0bn

FY2022¥5.7bnOHR（gross business profit basis)

63.1％

Under
60％

FY2022

61.7％

Amount of greenhouse gas
emissions reduced(compared to FY2013)

14.4％

30％

FY203018.8％

Long-Term Management
Guideline

Guideline

FY20195％ or higher

2.79%

ROE

（3/2020)

22
THE HACHIJUNI BANK,LTD. The45th Information Meeting

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Progress in the 31st Long-Term Management Plan ①
Theme① Strengthening and Expansion of “Face-to-Face Sales” in Order to Realize Customer Profits

Providing financial services most suited to customer needs

Individual Business Meeting with External Experts
Reinforcing cooperation with experts (certified
tax accountant, administrative scrivener etc.)
for responding to customers’ consultations
about asset succession or inheritance

Inheritance consultation meetings with experts were
held in various areas of Nagano

Supporting smooth business succession byholding consultation meetings in many places
with external experts
Responding to growing needs
by the progress of aging society

Increase of the Shared Stores ～Expansion of Comprehensive Financial Services～
New Nakano Branch opened in Nov 2019:
The first shared store of 3 group companies

The shared store with

Hachijuni
Securities Co., Ltd.
The shared stores with

Hachijuni Lease
Co., Ltd.

FY2018FY2019３stores

５stores２stores

６ stores

THE HACHIJUNI BANK,LTD. The45th Information Meeting

Increasing the shared stores with group companies forresponding to various consultations by customers in a onestop manner
Enhancing cooperation within the group to provide morecomprehensive financial services
Creating new type of stores for next generations from
customers’ view point
No. of consolidated branches by branch in branch
integration: 10 (as of Mar 31, 2020)23

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Progress in the 31st Long-Term Management Plan ②
Theme② Expansion of Investment in Developing “Human Resources” and More Opportunities
for Their Active Participation

Reinforcement of personnel system focused on each staff’s growth and worthwhilenessof working

Nurturing Human Resources by Exchanging Staff in Group Companies
Dispatching personalbanking staff to Hachijuni
Securities Co., Ltd. (HS)to acquire specialist
knowledge and know-how
of securities businessNo. of staff dispatched to HS
4330

Dispatchingexperience

49

20

25

21
28

4/20184/20194/202018

10Being dispatched

Reinforcement of organizational strength aiming
to be a financial professional group

No. of staff
withqualification

4/20184/20194/2020

Security
analyst

53

56

57

Financialplanner (FP)
1st class

56

60

64

FP 2nd class

772

796

843

Promoting Gender Diversity in Workplace
Mar 31,
2018

Mar 31,
2019

Mar 31,2020

Female staff
in managerial
position

189

196

203

Ratio

15.5％

16.2％

17.1％

THE HACHIJUNI BANK,LTD. The45th Information Meeting

The Bank’s share was selected as a component of MSCI Japanempowering woman select index※ in Jun 2019.
Supporting female staff who want to realize work life balance indifferent life stages of childbirth or child-care by introducing manykinds of systems such as child-care leave and short-time work
※ This is one of the ESG index which Government Pension Investment Fund(GPIF) adopts in their investment

No. of female staff in managerial position: 203【Ratio：17.1％】（as of Mar 31, 2020)

24

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Progress in the 31st Long-Term Management Plan ③
Theme③ Reform of “Sales Promotion Structure and Operational Processes”
Reinforcement of sales promotion structure by increasing efficiency

Introduction of RPA
RPA※ was introduced in May 2018 and the range of using it
was expanded to many operations.

No. of staff in operational sections

Labor-saving by RPA: 23 operations (approx. 22,500-hourburden) were reduced mainly in operation centers by the endof Mar 2020.

745
607

※Robotic Process Automation

Increasing rationality and efficiency,
reducing staff in operational sections

3/20183/2019Reorganization of operational
sections in Apr 2018

502

484

3/20203/2021（plan)

Expansion of Paperless by Utilizing Tablets Terminals
No. of reception by tablets (cases)※Less than 100 are rounded down

Other fiveoperations

Expanding the use of tablet in procedureswith customers such as opening of accountand change of address etc. to realize
paperless procedure

Reception of
investment trust,life insurance

2018 2H

Oct 2018~
Reception of IT/LI

2019 1H

2019 2H

Providing “rapidly, easily, safely” procedures

May 2019~ Other five operations(opening of account, loan provisional
examination etc.)

THE HACHIJUNI BANK,LTD. The45th Information Meeting25
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Progress in the 31st Long-Term Management Plan ④
Efforts to SDGs
No.1 rank in Japanese banks
for 4 straight years

CDP2019 (Climate Change) : Rating “B (management)”

Established “SDGs Promotion Group” (Feb 2020)
Established “SDGs promotion group” in General Affairs Department tostrengthen the Bank’s efforts to work on SDGs through banking businessAnnounced a support for TCFD (Task Force on Climate-related Financial
Disclosure) in Mar 2020
SDGs promotion group

Making efforts to realize the sustainable society together with regional
communities

Launch of “Regional Revitalization/SDGs Support PPB”
Renewal of 2 types of Private
Placement Bonds in Nov 2019,supporting1) companies’ activities forregional revitalization,2) financing of companies for
SGDs facilitation
FY2019 results

187cases/¥11.73bn※including results before renewal

Type 1for regional revitalization

Type 2for company support

Supporting SDGs-related “business andactivities”

Supporting the “financing of companies” tocontribute to SDGs

The Bank’s underwriting commission is
discounted. Issuers can donate thediscounted amount to schools or welfareorganizations.

Type 2 is available to companies who
actively work on environmental
conservation. Issuance-related cost andexpenses are discounted.

26
THE HACHIJUNI BANK,LTD. The45th Information Meeting

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