Investor Presentaiton
Capital Adequacy Ratio and Consolidated ROE
(Billion yen, %)
2022/3
2023/3
Change
Consolidated capital adequacy
12.06
11.85
ratio
Equity capital
175.1
174.9
(0.21)
(0.2)
Risk assets
Consolidated ROE
1,451.9
1,474.9
+23.0
2.21
1.68
(0.53)
Consolidated Capital Adequacy Ratio
Equity capital
Capital adequacy ratio
(Billion yen)
(%)
11.90
12.06
11.85
250.0
11.37
11.17
12.5
200.0
TOCH
GN
TOCHIGI BANK
Consolidated capital adequacy ratio for the fiscal year ended March 31,
2023 was 11.85%, down 0.21 percentage points year on year, due to an
increase in risk assets including loans and bills discounted.
We are targeting a consolidated ROE (based on shareholders' equity) of
3.0% or higher in the final fiscal year of the 11th Medium-term
Management Plan.
●We will strive to improve ROE by improving operating efficiency and
strengthening the Group strategy while focusing on utilizing equity capital
to take risks, mainly in providing loans to SMEs and personal loans. We
will manage the Bank with an awareness of ROE, based on our
shareholder returns policy.
Consolidated ROE
Consolidated ROE (net asset-based)
- Consolidated ROE (shareholder's equity-based)
3.0
10.0
150.0
167.0
167.2
172.7
175.1
174.9
7.5
2.0
100.0
50.0
900
(%)
2.21
2.13
1.68
1.29
1.14
5.0
1.53
1.0
1.25
1.12
2.5
-
+
3.00 T
0.0
2020/3
2021/3
2022/3
2023/3
0.0
0.0
2019/3
2020/3
2021/3
2022/3
2023/3
Final year of
MTMP
13View entire presentation