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Investor Presentaiton

Consolidated profit and loss Numerical Data 1 (Million yen) FY2016 FY2017 FY2018 FY2019 FY2020 YoY change Sep. 2016 Sep. 2017 Sep. 2018 Sep. 2019 Sep. 2020 Consolidated gross income 31,384 58,288 30,069 58,913 26,999 59,208 30,244 62,315 30,619 61,111 -1,204 Excl. Net gain related to bond transactions 31,400 63,347 31,627 63,377 31,082 62,732 30,496 63,073 30,329 63,746 673 Net interest income 27,100 54,157 26,271 52,645 26,224 52,983 26,205 53,946 26,538 54,724 778 Net fees and commissions 3,422 7,088 3,564 7,167 3,660 7,350 3,224 7,051 2,963 7,170 119 Other income 860 -2,957 233 -898 -2,885 -1,125 814 1,318 1,118 -783 -2,101 Net gain related to bond transactions -16 -5,059 -1,558 -4,463 -4,082 -3,523 -252 -757 290 -2,634 -1,877 General and administrative expenses 20,944 41,230 20,989 41,242 20,882 40,867 20,580 41,057 20,425 40,262 -795 Credit costs (1)+(2)-(3) 340 -228 115 1,199 1,250 4,034 986 5,374 2,711 7,333 1,959 Transfer to general reserve for possible loan losses (1) -482 -388 350 648 456 -34 197 -476 2,300 2,103 Bad debt expenses (2) 822 190 Loans written-off 7 29 22 504 848 602 3,578 1,020 5,177 3,188 5,032 -145 3 11 3 14 4 20 6 19 -1 Transfer to specific reserve for possible loan losses 743 425 225 390 3,188 919 4,727 3,134 4,859 132 Loss on sale of delinquent loans 6 76 45 437 71 152 65 216 52 102 -114 Reversal of allowance for loan losses (3) 419 Net gain related to stock transactions 818 2,658 1,238 2,861 4,118 4,128 -49 1,262 -151 856 -406 Others 462 617 329 Ordinary profit 11,380 20,562 10,531 534 19,867 674 859 726 -889 622 67 956 9,659 19,294 9,354 16,256 7,954 14,439 -1,817 Extraordinary profit (loss) Profit before income taxes -175 11,205 -195 -69 -182 -91 -114 -201 -968 -252 -272 696 20,366 10,462 19,685 9,568 19,179 9,153 15,288 7,701 14,167 -1,121 Income taxes, current 3,803 6,163 3,108 5,445 3,086 6,819 2,989 5,904 2,694 5,603 -301 Income taxes, deferred -259 432 11 532 -227 -872 -200 -1,112 -275 -1,102 10 Profit attributable to non-controlling interests 343 371 9 14 41 27 7 29 -25 -11 -40 Profit attributable to owners of parent 7,318 13,399 7,333 13,692 6,668 13,205 6,356 10,467 5,307 9,679 -788 Non-interest revenue ratio (%) ROE (Shareholders' equity basis) (%) 13.69 5.07 14.50 4.61 16.93 4.86 16.93 4.51 15.62 4.27 15.54 14.07 14.47 12.49 14.15 -0.32 4.21 3.96 3.25 3.24 2.94 -0.31 * 1. Consolidated gross income = (Interest income - Interest expenses) + (Fees and commissions income - Fees and commissions expenses) + (Other income - Other operating expenses) 2. Non-interest revenue ratio = (Fee and commissions income + Other income (excl. Net gain related to bond transactions)) / Consolidated gross income (excl. Net gain related to bond transactions) x 100 3. ROE (Shareholders' equity basis) = Profit attributable to owners of parent/Average balance of shareholders' equity (Simple average of balances at beginning and end of term) x 100 (The six month-period figure shall be annualized for the 1H.)
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