196 22 4 1 22 9 30 22 9
2012 2010 42013 3 2012 2010 42013 3 1 2 3 4 5 2012 210 2 6,500 NCD 4 1,000 1 2 4 CSR 6 6 7 8 8 10 12 1 15 16 17 18 20 21 22 9 30 11 187811 19 11 12 4 21 27 200 2,498 103282 85 28 15 3 2 4 2,374 3 7,210 2 4,542 A- & A+ 255,225 ISO14001 THE HYAKUGO BANK, LTD.
4 2012 22 6 10 911 38 22 12 2010 1
ROE ROA ROE ROA 298 285 284 3.22% 2.60% 3.99% 38 34 35 77 70 64 0.14% 0.11% 0.17% 20 21 22 20 21 22 20 21 22 664 + 73.96% OHR 75.31% 77.48% 22 3 31 20 21 22 OHR 58.8% 41.2% 63.7% 36.3% 49 29 43 23 52 37 20 21 22 13 37 NCD NCD 37,570 37,379 38,350 38,072 38,555 38,368 21 9 22 3 22 9 NCD = 99.5% 0.5% NCD NCD 4.9% 22 9 30 17.8% 76.9% 0.4% NCD22 3 NCD296NCD204 2 THE HYAKUGO BANK, LTD.
42.7% 42.6% 41.8% 36.7% 36.6% 35.5% 8,940 8,477 8,850 8,403 8,702 8,261 15,722 15,938 15,938 15,883 15,885 15,666 21 9 22 3 22 9 21 9 22 3 22 9 23.1% 28.4% 5,636 5,636 23.3% 28.5% 5,625 5,625 22.8% 28.4% 5,597 5,597 111,088 109,786 109,569 111,048 109,747 109,531 21 9 22 3 22 9 21 9 22 3 22 9 24,354 24,171 24,542 19,854 19,724 19,740 19.6% 80.4% 10.4% 22 9 30 22.8% 35.5% 27.4% 5,352 5,354 4,780 4,803 5,337 4,804 21 9 22 3 22 9 3.9% 22 315 370 21 9 22 3 22 9 2010 3
S&P A- R&I A+ & S&P A- R&IA+ 5 S&P R&I & S&P AAA AA A BBB BB B CCC CC A- 22 9 30 R&I AAA AA A BBB BB B CCC CC D A+ 11.72% 11.72%4.00% Tier 9.32% 11.72% 4.00% 22 9 30 Tier I 9.32% 19 9 30 4 THE HYAKUGO BANK, LTD.
668 668 668 22 9 30 348 370 21 305 313 8 14 22 8 668 707 38 3.11% 3.11% 22 9 778 3.11% 74.80% 770 3.13% 22 9 30 A 124 476 176 24,241 25,019 B 55 297 57 C 69 81 21 B + C D 124 378 78 100% 79.38% 44.65% 74.80% 1. 2. 3. = DA x100 22 9 30 25,019 0.49% 124 1.90% 476 22 9 30 24,542 0.23% 57 2.18% 535 3 0.00% 0 96.88% 24,241 0.70% 176 0.71% 175 2010 5
CSR CSR CSR Corporate Social Responsibility CSR CSR 51.5% AED AED 22 910 20 AED 6 THE HYAKUGO BANK, LTD.
CSR 57 9 23 5 2010 ISO14001 11 11 ISO1400116 11 22 kwh kg 3,531 3,334 6,116 6,292 89.0 89.4 22 422 9 % 25 CO2 25 2010 7
8 THE HYAKUGO BANK, LTD. 20 10 22 91,100 22 8 9 M&A M&A M&A 4 2 TLO
2010 9 PFI PFI 3 PFI TLO 22 9 7 6 2010 23 1 2011 CO2 22 3 22 923 3,165 CSR 3
22 11 1 19 1077 34 37130 3 ATM 5075 1 22 9 99 10 THE HYAKUGO BANK, LTD. 22 9 86 61 3 10
CSR ATMATM 30 1 3,000 105 BESTIO IC ETCKIPS PiTaPa Visa Touch 105 105 105 3 GO! FAX PlusMini Plus300 8 Mini DREAM 300 3 FAX 4,045 22 3 3 3,611 3,706 3,683 20 9 21 3 21 9 22 3 3,478 22 9 22 3 141 1,229 22 3 712,053 22 37 194 22 959,801 1,894 9 5,681 408 2010 11
22 10 216 12 THE HYAKUGO BANK, LTD.
CSR 2 22 10 1016 2 1 2 1016 2 23 2 13 2 2 2 22 6 2010 13
ATM ATM365721 5 ATM ATM365 723 ATM ATM ATM 22 9 30 ATM ATMATM ATM 4610,713 4713,683-22 9 30 ATM ATM 105 UFJ JA ATM 125 180 ATM ATM365 105210 24365 8 4517 15 0120-808-105 ATM 14 THE HYAKUGO BANK, LTD.
CSR 1 ATM 1 ATM IC ATM ATM ATM ATM ATM 365 IC IC IC IC ATM 2010 15
21 4 122 3 31 22 3 22 3 IR 22 6 CSR CSR CSR 2010 195 21 4 122 3 31 22 85,1049 6,000 20 5 BGM 16 THE HYAKUGO BANK, LTD.
ADR 0570-017109 03-5252-3772 2010 17 CSR
22 9 30 22 3 100 4 2,576 75,204 77,099 32,545 107 997 1,513,124 2,448,726 1,569 17,820 43,030 34,724 4,845 1,023 33,043 26,243 4,257,619 3,716,131 133,063 7,543 2,592 22,212 55 25,000 54,260 204 6,557 332 600 723 0 16,417 3,757 33,043 4,022,494 20,000 7,557 157,484 96 184,945 40,836 1,591 3,919 43,164 7,014 235,124 4,257,619 22 3 123 4 224 2,351 22 9 30 31231 58 10 20 50 50% 31231 59 10 15 50 5% 35% 9 18 60 7 29 30 23% 60% 375 2 3 29 30 5% 95% 33 21 54 7 14 40 100% 76 70 60 7 29 30 100% 33 21 63 10 25 20 100% 16957 13 6 28 20 100% 16957 16 6 28 20 100% 33 1 21 8 14 3,000 100% 18 THE HYAKUGO BANK, LTD.
2010 19 22 4 1 22 9 30 1157 41,893 28,748 (19,949) (8,520) 5,177 7,123 842 36,096 4,080 (3,128) 1,557 4,259 24,237 1,961 5,796 1,353 0 1,352 0 946 305 408 0 232 6,203 1,716 620 2,336 3,866 245 3,621 12 36
20 THE HYAKUGO BANK, LTD. 22 9 30 22 4 1 22 9 30 73,493 77,099 32,545 107 997 1,516,416 2,454,248 1,569 32,804 34,203 4,792 33,043 23,904 4,237,416 36,296 28,875 (19,905) (8,691) 5,270 1,348 801 31,033 4,023 (3,130) 1,757 81 23,216 1,954 5,262 1,453 948 5,767 1,320 731 2,051 3,715 3,721,076 134,463 7,543 2,592 13,127 55 25,000 46,565 1,334 730 322 44,177 6,370 256 600 453 16,417 3,757 33,043 4,011,322 20,000 7,557 7,557 155,478 17,377 138,100 310 133,904 3,886 96 182,939 40,826 1,591 3,919 43,154 226,094 4,237,416
22 9 30 396,000 255,225 12,696 8368 32.0% 11,619 81,735 6.6% 159 17,023 20.3% 806 51,940 40.4% 80 103,219 0.5% 32 1,307 % UFJ 10,128 3.97 9,159 3.59 8,396 3.29 8,393 3.29 7,230 2.83 5,234 2.05 4,490 1.76 3,986 1.56 3,930 1.54 2,512 0.98 10 63,459 24.88 1. 3 31 2. 6 3. 4. 3 31 5. 9 30 6. 7. 1 4 5 UFJ 2 137 8081 10 11 UFJ 0120 232 711 3 UFJ 1 UFJ 2 UFJ UFJUFJ 3UFJ 1. 2. 2010 21
22 9 30 23 12 113 22 15 6 1 1 4 4 133 33 22 9 30 7 15 9 10 22 10 2 464-0821 510 3 TEL. 052-761-8105 454-0877 20012 TEL. 052-361-3105 468-0011 315043 2 TEL. 052-805-2050 486-0844 75742 TEL. 0568-82-6206 448-0000 281 2 TEL. 0566-21-0051 22 10 2 471-0027 5215 1 TEL. 0565-35-6105 511-8691 3362 TEL. 0594-22-5105 510-0075 14 12 TEL. 059-351-3105 513-8691 41382 TEL. 059-369-2105 518-0441 32243 2 TEL. 0595-64-6666 514-8666 21 272 TEL. 059-223-7105 515-0005 1031 2 TEL. 0598-51-5105 516-8691 13 32 TEL. 0596-26-3105 33637