Economic Indicators and Efforts for Sustainability
Profit and Loss Overview for the First Half of Fiscal 2022 (Bank Consolidated)
Profit attributable to owners of parent increased significantly year-on-year due to a decrease in credit costs and an increase in gain (loss) related to
securities, in addition to securing a high level of core business gross profit
Bank Consolidated
(Units: Millions of yen)
Core business gross profit
First half of
First half of
fiscal 2022
YOY
Increase/
Decrease
fiscal 2021
44,969
+26
+0.05%
Interest and dividend income
37,727
+692
44,943
37,035
Fees and commissions
4,625
(146)
4,771
Other operating income
(Excluding profit/loss related to bonds
2,616
(520)
3,136
including JGBs, etc.)
Expenses (-) (Excluding extraordinary
retirement benefits, etc.)
Personnel expenses
Nonpersonnel expenses
26,157
+622
+2.43%
25,535
14,627
(111)
14,738
9,990
+400
9,590
Taxes
1,540
+334
1,206
Core business net income
18,811
(597)
(3.07%)
19,408
Credit costs (-) 1+2-3-4
(761)
(4,682)
3,921
Provision of reserve for general loan
losses 1
-
(364)
364
Amortization of non-performing loans ②
312
(3,502)
3,814
Reversal of allowance for loan losses ③
Recoveries of written off claims ④
923
+923
150
(107)
Gain (loss) related to securities
7,520
+3,564
257
3,956
Gain (loss) related to bonds including
5,846
+5,675
171
JGBs, etc.
Gain (loss) related to stock, etc.
1,673
(2,112)
3,785
Other temporary gain (loss)
1,822
+94
1,728
Ordinary income
28,915
+7,743
+36.57%
21,172
Extraordinary income (loss)
(122)
(56)
(66)
Income before income taxes
28,793
+7,688
21,105
Net income
20,312
+5,379
+36.02%
14,933
Profit attributable to owners of parent
19,877
+5,010
+33.69%
14,867
Ordinary revenue
86,212
+15,587
+22.07%
70,625
Business net income
24,658
+5,443
+28.32%
19,215
Copyright 2022 lyogin Holdings, Inc. All Rights Reserved.
Core business gross profit
Up ¥26 million YoY
Interest and dividend income increased, mainly in foreign-denominated loans and
securities.
✓ Other operating income decreased due to decreases in gain (loss) on derivatives and
revenue on bond trading.
■Expenses (-)
Up ¥622 million YoY
✓ Nonpersonnel expenses such as depreciation increased due to an increase in strategic
investments. Also, taxes increased due to an increase in the consumption tax.
Credit costs (-)
Down ¥4,682 million YoY
✓ Credit costs decreased due to reversal of provision for COVID-19 measures and a
decrease in bankruptcies, etc.
(Since the amount of reversal exceeded the total amount of provision of reserve for general loan losses and
provision of reserve for specific loan losses, reversal of allowance for loan losses was recorded.)
Gain (loss) related to securities
Up ¥3,564 million YoY
✓ Gain (loss) related to bonds including JGBS, etc. increased due to the recording of a gain
on sales of foreign bonds without hedges.
Gain (loss) related to stock, etc. decreased due to decreased gain on sales of strategic
equity holdings.
Profit attributable to
owners of parent
Up ¥5,010 million YoY
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