長野銀行アニュアルレポート平成21年3月期
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長野銀行アニュアルレポート平成21年3月期

FinancialStatements
March31,2009

THENAGANOBANK,LTD.
JAPAN


Profile
TheNaganoBank,aregionalbankwhoseoperationalbaseisNaganoPrefectureincentralJapan,wasestablishedin1950.Sincethattime,theBank’sstaffworkedtirelesslytocontributetotheprosperityoftheregionalcommunityandwinthetrustoflocalresidentsandbusinesses.Inlinewiththeseefforts,theNaganoBankhasgrownsteadily,withthenumberofofficesasoftheendofMarch31,2009reaching52withinNaganoPrefectureandoneinTokyo.Totaldepositsstoodat¥838billion(US$8,539million)andtotalassetsat¥879billion(US$8,956million).InMarch1997,theBank’sstockwaslistedonthesecondsectionoftheTokyoStockExchange.ThelistingwasupgradedtothefirstsectioninSeptember1998,andaprivateplacementofstockswascarriedoutin1999tofurtherbolstertheBank’scapitalratio.Inthisway,wehavebeensteadilylayingthecornerstonesofastrongbusinessstructure.

MessagefromtheManagement
DevelopmentsintheJapaneseeconomyinfiscal2008wereovershadowedbytheglobaleconomicdownturntriggeredbythefinancialcrisisintheUnitedStates,whichstemmedfromthesubprimeloanproblemthathadfirstsurfacedinthesummerof2007.Inthefaceofthis“once-in-acentury”recession,drasticremedialactionwasannouncedbygovernmentsaroundtheworld,notablyWashington.LeadersoftheG7nationsandfinanceministersoftheG20nationsdiscussedmeasurestotacklethecrisis,butdespitethistheinternationalcapitalmarketsremainvolatile,andrecoveryfortheeconomiesoftheUnitedSatesandtheworldasawhole,andspecificallyforJapan,appearstobestillquitedistant.InNaganoPrefecture,theBank’sprincipaloperatingterritory,allmanufacturingindustrysectorshavebeenexperiencinganincreasinglysharpdecreaseinproduction,mainlyowingtothesteepfalloffinexportssincelastautumn.Companiesintheconstructionindustryarepostingevenworsebusinessperformancesagainstthebackdropofdeclinesinbothpublicspendingandprivate-sectorcapitalinvestmentbelowthepreviousyear’slevels,aswellasaslumpinhousingconstructionstarts.Inthepreviousperiod,newhousingstartshadbeenadverselyaffectedbydelaysinthegrantingofbuildingpermissionduetotheapplicationofnewconstructionstandards.Inthecommercialsector,salespostedbylarge-scaleretailfacilitiesfellduetoweakeningconsumerconfidence,andthebusinessperformancesofthewholesaleandretailindustriesarefollowingadownwardtrend.Inthefinancialsector,inresponsetotheloweringofkeypolicyratesbyallmajorcountriesinthefaceoftheglobaleconomicdownturn,theBankofJapanalsoloweredtheunsecuredovernightcallrateby0.2pointsinOctober2008andagainbythesameamountinDecember,bringingtheratedowntoitslowest-everlevelof0.1%.Amidthisdifficultfinancialandeconomicenvironment,weworkedtoachieveourgoalsundertheBank’ssevenththree-yearmanagementplan,launchedinApril2007,ofbuildingasignificantpresenceintheregionalcommunityandinspiringtrustthroughourcarefulattentiontoindividualcustomerneedsandconsultationonfinancialmatters.ThemanagementandemployeesofNaganoBankareworkingtogethertorealizethesegoalsbyexpandingthescopeofourbusinessactivitiesandfurtherraisingmanagementefficiency.Totaldepositsincreasedby¥19,554millionduringthereportingterm,centeredondepositsbyindividuals,foraterm-endbalanceof¥838,856million(US$8,539million).Loansdeclinedby¥9,748millionto¥620,649million(US$6,318million)attheterm-end,owingtoslackdemandforfundingforcapitalinvestmentsamidthebusinessslowdown,aswellasasharpfallinthenumberofhousingconstructionstartsinNaganoPrefecture.Securitiesholdingsincreasedby¥22,061millionto¥224,064million(US$2,281million)attheterm-end.Thebalanceofpersonalassetsincustody,primarilyintheformofinvestmenttrusts,roseby¥7,031milliontoaterm-endbalanceof¥61,900million(US$630million).ThevalueofforeignexchangetransactionscametoUS$3,449million.Turningtoearnings,thankstoourcost-cuttingeffortswemanagedtopostanetincomeof¥384millionagainstthebackgroundoftheneedforincreasedloan-lossreservesduetothedeterioratingbusinessconditionsofmanyofourcorporateborrowers.Thepostingofanunrealizedlossonsecuritiesholdingsamidanacross-the-boardslumpinstockmarketpricesalsocontributedtothedecreaseinearnings.Wewillcontinuetomakeeffortstoboostprofitabilitybyreinforcingourmarketingactivities,raisingoperationalefficiency,andimplementingcost-cuttingmeasures.DuringthereportingtermwetookstepstorespondtoprovisionsintheFinancialInstrumentsandExchangeLawregardinginternalcontroloffinancialreporting,andtotheLawforPreventionofTransferofCriminalProceeds.InthenearfuturewewillbefocusingeffortsonmeasurestoensurecompliancewithconflictofinterestregulationsundertheFinancialInstrumentsandExchangeLaw.Wewillalsobebolsteringourriskmanagementsystem,andwillcontinuetosupportcorporaterehabilitationandmakeactiveuseoftheBank’sfinancialintermediaryfunctionsinlinewithourprogramforpromotingrelationshipbankingforthebenefitoftheregionalcommunity.TheJapanesefinancialsectorisbecomingincreasinglycompetitive,partlyowingtotheinvolvementinbankingoperationsofcompaniesfromotherindustries,andtheBank’soperatingenvironmentseemscertaintobecomeevenmoredifficult.Inthissituation,themanagementoftheBankofNaganorecognizesthecrucialimportanceofgettingbacktothebasicsofthefinancialservicesindustry,thatistosay,deposit-keepingandtheprovisionofstablefunding.Todothis,wewillmaintainaclosegraspofcustomerneedssoastoprovidethesortoffinancialservicesthatcreatecustomersatisfaction.Atthesametime,wewillnurtureasoundandvibrantcorporateculturefocusingonlegalandethicalcompliance,andwillpursueinitiativestoenforcerigorousriskmanagementandrealizeasoundfinancialposition,therebyproducingastrengthenedearningsstructure.Welookforwardtothecontinuedsupportandencouragementofourshareholdersandotherstakeholdersinourfutureendeavors.


 情報提供元:http://www.naganobank.co.jp/kabu/ip33_6.pdf
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