Investor Presentaiton
Loans Based on the Banking Act and
Financial Reconstruction Act
(Billion yen) 2022/3
2023/3 Change % Change
Total loans based on the
Banking Act and Financial
44.4
43.3
(1.1)
(2.5%)
Reconstruction Act
Bankrupt and quasi-
bankrupt loans
1.1
1.9
+0.8
+73.4%
Doubtful loans
42.0
40.6
(1.4)
(3.1%)
Special attention loans
1.3
0.7
(0.6)
(46.9%)
TOCH
GN
TOCHIGI BANK
Loans based on the Banking Act and Financial Reconstruction Act was
43.3 billion yen, down 1.1 billion yen year on year, mainly due to a
decrease in doubtful loans.
●Non-performing loan ratio as of March 31, 2023 was 2.10%, down 0.14
percentage points year on year.
The cost of credit for the fiscal year ended March 31, 2023 was 2.4
billion yen, up 700 million yen year on year. The credit cost ratio was
0.12%, up 0.03 percentage points year on year.
Loans Based on the Banking Act and Financial Reconstruction Act:
Balance at the Fiscal Year-end
Cost of Credit
Bankrupt and quasi-bankrupt loans
Special attention loans
Doubtful loans
Real cost of credit
Credit cost ratio
Non-performing loan ratio
(Billion yen)
(%)
60.0
2.28
2.32
2.50
(Billion yen)
5
(%)
0.20
0.18
2.23
2.24
2.10
0.15
46.0
4
0.16
48.0
44.8
2.00
43.1
44.4
0.14
43.3
1.9
1.6
2.2
1.9
3
36.0
1.50
0.12
0.12
0.09
2
1.00
24.0
39.7
42.4
43.3
42.0
40.6
12.0
0.08
3.6
3.0
2.8
2.4
1
0.04
0.50
1.7
0.0
1.1
2019/3
0.7
2020/3
0.8
2021/3
1.3
2022/3
0
0.7
2023/3
0.00
2019/3
2020/3
2021/3
2022/3
0.00
2023/3
Note 1: Real cost of credit = Costs for loans written-off - Recoveries of written off receivables
Note 2: Credit cost ratio = Real cost of credit ÷ Average loan balance
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