Review of the Previous Medium-term Management Plan: “Next COMPASS 140” Maintaining Our Solid Position Toward the Next Stage
Review of the Previous Achievements in Three Priority Areas Medium-term Management Plan Review of “Next COMPASS 140:” Maintaining Our Solid Position Toward the Next Stage Employee + 1.9 80.5 % Interest income awareness survey Ratio of employees * Comparison with FY 3/16 billion yen Work-style Reforms who have job satisfaction Topline Innovation 49.3 billion yen 80.5% 77.7% 47.4 billion yen FY 3/17 FY 3/19 FY 3/16 FY 3/19 Reduction by Total overtime * Comparison with FY 3/16 + 1.8 16.8 % Fees and work hours commissions *Compared to FY 3/16 billion yen Three Points 477,830 hrs. 9.3 billion yen of Focus 397,284 hrs. 7.5 billion yen Supporting and growing FY 3/16 FY 3/19 FY 3/16 FY 3/19 together with the region 852 Number of Number of 2,167 clients which consultation on business succession cases underwent business companies assessment Consultation on M&A 2,167 companies 852 cases Consultation on 427 business succession 328 cases 630 companies 135 425 193 FY 3/16 FY 3/19 19 FY 3/16 FY 3/19
The Previous Medium-term Management Plan: Review of the Previous Medium-term Results for Key Management Indicators Management Plan The Bank performed favorably during the three-year period covered by the previous Medium-term Management Plan, with a significant increase in deposits and loans, and achieved most numerical targets. Results for Key Management Indicators The previous medium-term Change over the management plan period Item three-year Topics FY 3/16 FY 3/19 period (results) (results) Average balance of + 334.5 billion yen Average balance of housing loans 4,658.4 4,992.9 total deposits Increase rate 7.1 % (Unit: 100 million yen) billion yen billion yen (including negotiable Growth 2,749 10,258 certificates of deposit) potential + 407.5 billion yen 2,838.7 3,246.2 Average balance of Increase rate 14.3 % loans billion yen billion yen Exceeded 7,509 1 trillion yen + 2.2 billion yen 11.8 14.0 Core net operating Profitability income Increase rate 18.6 % billion yen billion yen FY 3/16 FY 3/19 Compared with the Medium- (*) ROE 5.90 % 4.32 % + 1.62 P term Balance of loans in Aichi Prefecture (Shareholders’ equity base) Management Plan targets (Unit: 100 million yen) Efficiency 10,191 3,287 Core OHR 78.14 % 74.43 % Improvement of 3.71 P (Core gross operating income base) 6,904 Capital adequacy Obtained FIRB approval Exceeded Achieved sophisticated (SA) 9.14 % (FIRB) 9.30 % ratio 1 trillion yen Soundness risk and equity capital (Based on full management implementation of Basel III) (*) temporary factors: Posted gain on redemption of retirement benefit trust March-end 2016 March-end 2019 of 3.6 billion yen in FY 3/16. 20
Status of Operating Income from Services to Review of the Previous Medium-term Customers (published figures) Management Plan Moved operating income from services to customers into the black Turnaround of operating income from services to customers Change in average balance of loans and Change in fees and Change in operating (Unit: million yen) (Unit: million yen) deposit-loan yield margin commissions expenses Average balance Deposit-loan yield margin (all departments) of loans (100 million yen) 9,300 32,462 42,949 8,628 42,486 29,848 1.10% 41,288 7,521 29,058 41,190 7,390 1.05% 28,387 1.04% 1.03% Increases in corporate loans and Productivity improvement project Increase in consulting commissions housing loans 2017 FY 3/17 FY 3/16 FY 3/17 FY 3/18 FY 3/19 FY 3/16 FY 3/17 FY 3/18 FY 3/19 FY 3/16 FY 3/18 FY 3/19 Changes in operating income from 37 services to customers (Unit: 100 million yen) Further growth of profit in core businesses 15 0 (24) Turned (26) Execution of new positive Medium-term (49) Management Plan FY 3/16 FY 3/17 FY 3/18 FY 3/19 FY 3/22 Operating income from services to customers Average balance of loans x (interest rate on loans - interest on deposits, etc.) + fees and commissions - operating expenses (including retirement benefit expenses in extraordinary gain and loss) 21
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