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.)View entire presentation