Investor Presentaiton
Balances, deposits, and other management indicators in FY2019
Overview of assets, liabilities, etc. (average balances)
Key points
(Billion yen)
Loan balances
FY2019
YoY change
(Annual rate)
Loan balances
6,317.9
329.9
)
•
5.5% )
Loans to local governments
977.6
132.2 ( 15.6% )
Business loans
3,757.6
126.3
(
3.5% )
SME loans included in above
2,604.0
96.1
(
3.8% )
Personal loans
1,582.7
71.4
(
4.7%
)
Securities, etc.
1,129.5
-69.7
Yen bonds, etc.
861.5
-94.2
Equities
75.0
-4.5
Foreign bonds
193.0
28.9
Other
1,885.5
79.4
Total assets
9,332.9
339.5
Balance of deposits, etc.
7,707.8
239.5
3.2% )
Personal deposits
4,933.6
146.6
)
3.1% )
+329.9 billion yen
yoy +5.5% (Billion yen)
6,317.9
5,988.0
5,757.6
Corporate deposits
2,318.5
79.3
( 3.5% )
5,431.5
Public sector, financial deposits
455.6
13.6
)
3.1% )
811.7
628.6
Other
1,625.1
100.0
1,582.7
Total liabilities and net assets
9,332.9
339.5
1,372.5
Overview of management indicators
•
Business loans rose by on a year-on-year basis 126.3 billion yen, or 3.5%,
to 3.7576 trillion yen, thanks to proactive lending to SMEs through efforts to
strengthen the consulting business.
Personal loans rose on a year-on-year basis by 71.4 billion yen, or 4.7%, to
1.5827 trillion yen, due to efforts to strengthen the business centered on
home loans, including Hirogin Home Loan Flat 35 (Guaranteed).
Balance of deposits, etc.
•
The balance of deposits, etc. rose on a year-on-year basis by 239.5 billion
yen, or 3.2%, to 7.7078 trillion yen, as personal deposits, corporate
deposits, and municipal, financial deposits all increased.
[Trend in loan balances]
1,447.8
845.4
1,511.3
977.6
[Trend in balance of deposits, etc.]
Loans to local
governments*
Personal
loans
2,199.5
2,246.1
+239.5 billion yen
yoy +3.2% (Billion yen)
7,707.8
455.6
Municipal,
financial
deposits
deposits
ШЕШЕ
3,430.7
3,498.2
3,631.2
3,757.6
Business
loans
4,584.6
4,719.4
4,787.0
4,933.6
2,604.0
2238.4
2 368.7
2.507.9
loans
Personal
deposits
7,309.1
524.9
7,484.3 7,468.3
518.8
442.0
2,239.2
2,318.5 Corporate
FY2019
FY2016
FY2017
FY2018
FY2019
FY2016
FY2017 FY2018 FY2019
YoY change
Consolidated ROE
Consolidated capital adequacy ratio
Non-interest income ratio*
Non-interest income* (billion yen)
5.0%
10.89%
34.9%
30.7
-0.3%pt
-0.12%pt
-0.3%pt
-0.8
Contributions of consolidation
7.9%
1.2%pt
of Group companies
Adjusted overhead ratio
62.9%
1.2%pt
*Loans to local governments: Loans to local public organizations and public corporations
Consolidated capital adequacy ratio
Despite capital increases due to factors such as buildup of internal
reserves, increased lending and other factors swelled assets at risk and
similar accounts, reducing the consolidated capital adequacy ratio by 0.12
points year-on-year to 10.89%.
Credit cost ratio
0.07%
0.02%pt
•
NPL ratio
1.06%
-0.09%pt
We maintain levels well above the standard regulatory requirement for
banks in Japan (4%).
*Including Hirogin Securities
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