Investor Presentaiton
Loans in Japan
2
Loan Balance (Period-end Balance)
BK+TB
management accounting
Loan and Deposit Rate Margin
(JPY T)
2 Banks
56.5
55.4
54.2
54.1
Returns on Loans and Bills Discounted
Loans and Deposit Rate Margin
...a
... a-b
53.3
52.3
Costs of Deposits
.. b
9.2
9.1
8.9
8.8
0.78%
RBC
9.5
0.77%
9.7
0.75%
0.75%
0.73%
0.74%
Individuals
0.78%
0.76%
0.74%
0.75%
0.74%
0.72%
16.2
16.0
15.8
15.8
RBC
15.6
15.3
Q1 0.75%
Q3 0.74%
Q2 0.75%
Corporate
(Q4 0.74%)
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
FY19 H1
FY19 H2
FY20 H1
FY20 H2
FY21 H1
FY21 H2
1
BK+TB
Loan Spread
30.9
30.4
29.5
29.6
management accounting
CIC 27.2
28.0
RBC Corporate
CIC
0.59%
0.57%
0.57%
0.56%
0.55%
0.54%
Sep-19
Mar-20
Average
Balance
51.9
H1
52.5
H2
Sep-20
56.6
H1
Mar-21
Sep-21 Mar-22
0.54%
0.53%
56.2
H2
55.1
H1
54.4
0.52%
0.50%
0.50%
0.50%
H2
FY19
FY20
FY21
FY19 H1
FY20 H2 FY21 H1
FY21 H2
FY19 H2 FY20 H1
1. New management accounting rules were applied in FY21. Figures from Sep-19 to Mar-21 were recalculated based on the new rules. Excluding loans between the consolidated entities and loans to the
Japanese Government. 2. Excluding loans to financial institutions (including FG) and the Japanese Government & other public sector.
MIZUHO
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