Investor Presentaiton
Retail & Business Banking Company
(JPY B)
FY20
FY21
YOY
Plan Progress
Loan Balance (avg. Balance)/ Spread²
Group aggregate¹
League Table
Gross Profits
1
697.7 713.6 +15.9
715.0 100%
(JPY T)
0.57% 0.55% 0.54% 0.56% 0.57%
FY20 FY21
0.59%
o/w Interest Income
2
278.9
268.3 -10.6
IPO number³
2nd
1st
o/w Non-interest Income 3
418.6
445.1 +26.6
25.0 25.2 25.6 25.4 24.9 24.8
Mar-21 Mar-22
G&A Expenses
-639.6 -621.0
+18.6
-629.6 99%
(Excl. Non-recurring losses and others)
15.2 15.6 16.2 16.3 15.9 15.9
Equity in Income from
5
5.4
5.9
+0.5
Investments in Affiliates
Net Business Profits 6
61.3
96.4
+35.1
89.5
108%
9.8 9.6 9.4 9.2
9.0 8.8
Credit-related Costs
7
-92.0
23.7 +115.7
Assets in Custody
(JPY T)
o/w SC (JPY T)
Avg. holding period of
equity investment trusts
Reference:
Industry wide avg.
53.7
51.9
4
48.3
46.5
5 4.6 yrs. 4.9 yrs.
5,6
3.2 yrs. 3.9 yrs.
Net Gains (Losses) related
8
24.6
37.5 +12.8
to Stocks and others
H1 H2 H1 H2
FY19
FY20
Individuals Corporates
H1 H2
FY21
SP for Corporates
Others
9
-1.0 -64.4 -63.4
Net Business Profits
Net Income
10
-7.0
93.2
+100.3
52.3
178% (JPY B, rounded figures)
Stable revenue
Upside
96.4
Internal risk capital
(avg. balance)
11 2,138.1 1,998.5 -193.6
+9.0
(+) Real estate
61.3
53.0
ROE
112
12
-0.3% 4.7% +5.0% 2.6%
(-)
44.0
+26.0
43.0
Gross Profits ROE
13
32.6% 35.7%
+3.0%
Expense ratio
14
91.7%
87.0%
-4.7%
17.0
(+) Solutions Business
Asset Management
(Sales Fee and other)
(+) Asset Management
(Fiduciary income and other)
(+) Loans to corporates
FY20
FY21
1. New management accounting rules were applied in FY21. Past figures were recalculated based on the new rules. 2. BK+TB, management accounting. 3. IPO bookrunner number. source: Capital Eye. 4. For
Retail & Business Banking segment. 5. Calculated by dividing previous year's average balance by total cancellations/redemption value. 6. Prepared based on data published by Investment Trust Association,
Japan.
MIZUHO
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