Economic Indicators and Efforts for Sustainability
Profit / Loss Forecasts for Fiscal 2022
Despite interest and dividend income increasing, core business gross profit is projected to be ¥87.0 billion, a decrease of ¥3.4 billion year on year due to a
decrease in non-interest and dividend income
Profit attributable to owners of parent is forecasted to continue at a high level at ¥28.0 billion due to a significant decrease in credit costs at the Bank
[Holding Company Consolidated]
Core business net income
Credit costs (-)
Gain (loss) related to securities
Ordinary income
Factors Contributing to Increase / Decrease
in Consolidated Core Business Gross Profit (Fiscal 2022 - Fiscal 2021)
(Note) Differences in yield of domestic currency utilize
yield differences with domestic deposits, etc.
Differences in yield of foreign currency utilize yield
differences with foreign currency funding costs
(Units: Billions of yen)
Fiscal 2021 results
Fiscal 2022 forecast
* Fiscal 2021 results are on a consolidated
basis at the Bank level
Inter-
Inter-
mediate
mediate
YOY
YOY
results
forecast
Core business gross profit
44.9
90.4
44.9
+0.0
87.0
(3.4)
Of which, interest and dividend income
37.0
72.6
37.7
+0.7
74.0
+1.4
Of which, non-interest and dividend
7.9
17.7
7.2
(0.7)
13.0
(4.7)
income
Expenses (-)
25.5
51.6
26.1
+0.6
52.5
+0.9
19.4
38.8
18.8
(0.6)
34.5
(4.3)
Interest and
dividend income
(¥74.0 billion)
3.9
4.3
(0.7)
(4.6)
(3.5)
(7.8)
Core business
+1.4
3.9
1.1
7.5
+3.6
0.0
(1.1)
gross profit
(¥87.0 billion)
21.1
38.2
28.9
+7.8
41.0
+2.8
Profit attributable to owners of parent
(3.4)
14.8
26.4
19.8
+5.0
28.0
+1.6
Fiscal 2021 results
Fiscal 2022 forecast
[Reference: Bank Nonconsolidated]
Inter-
mediate
Inter-
mediate
YOY
YoY
results
forecast
Core business gross profit
41.8
84.5
42.2
+0.4
82.0
(2.5)
Expenses (-)
24.3
49.0
24.8
+0.5
50.0
+1.0
Core business net income
17.5
35.4
17.3
(0.2)
32.0
(3.4)
Ordinary income
19.7
35.2
27.3
+7.6
38.5
+3.3
(4.8)
Net income
14.0
24.6
19.1
+5.1
26.5
+1.9
Fees and
commissions
(¥9.5 billion)
+0.1
Gain on loan
management
(¥52.4 billion)
+4.2
Gain on securities
management
(¥20.0 billion)
(3.5)
Other
(¥1.5 billion)
+0.7
(Units: Billions of yen)
Volume factors +2.4
-(Average loan balance up ¥192.9
billion)
Yield difference factors +1.8
(Yield difference up 0.03%)
Volume factors (3.1)
-(Average loan balance down
¥186.3 billion)
-Yield difference factors +0.0
Gain on fund cancellation
factors (0.4)
... Increase in solution-related fees, etc.
Other
(¥3.5 billion)
Decrease in gain (loss) on foreign exchange transactions and
gain (loss) on derivatives, etc.
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