Investor Presentaiton
Non-interest Income
Non-interest income (3 banks & Fukuoka Securities total)
To be your Bank of choice
Factor of increasing and decreasing for FY2013 (YoY change)
(\bil.)
Excluding profit(loss) on bond and marketable product
Item
* Fukuoka Securities: Fees-related income after becoming wholly owned subsidiary
Foreign
exchange
Factor of increasing and decreasing
Foreign exchange trading profit
YOY
change
+0.6
& derivatives
(+1.0)
Derivatives(coupon swap and Foreign fixed
account with exchange agreement)
+0.4
FFG total
(YoY change)
24.6
23.5 23.1 23.9 25.4 26.3
(-1.1) (-0.4) (+0.8) (+1.5) (+0.9)
Domestic
exchange
interbank fees
Decreasing in expense of interbank
+0.2
transaction fee(increasing in profit)
Fukuoka Securities
3.1
& commissions
(+0.2)
2.8
1.9
Increase in ATM fee for after-hours use
+0.3
Other
4.6
2.3
4.0
Other
4.4
2.9
3.2
Decreasing in outsourcing expense of system
(Increasing in profit)
+1.0
( +0.3)
Corporate-related fee (syndicated loan and
non-recourse loan, etc)
-0.2
Domestic exchange
interbank fees
& commissions
7.0
8.8
8.1
7.0
7.2
7.5
Profit from investment trusts & annuity insurance
(\bil.)
3 banks total
3.4
3 banks total
(YoY change)
8.2
8.7 8.7 9.1 8.2 10.6
(+0.5) (±0) (+0.4) (-0.9) (+2.4)
3.0
Foreign exchange
3.1
2.8
2.5
3.9
& derivatives
4.5
Sales commission
3.4
3.8
for insurance
3.3
3.9
2.5
10.6
2.3
Investment trusts
8.2
8.7
8.7
9.1
8.2
Custodian fee
2.1
2.2
2.1
2.2
2.1
& insurance
for investment trusts
Sales commission
2.8
3.1
2.8
3.3
3.5
3.8
for investment trusts
FY09
FY10
FY11
FY12
FY13
P:FY14
FY09
FY10
FY11
FY12
FY13
P:FY14
FFG Fukuoka Financial Group
39
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