Investor Presentaiton
Asset quality - solid loan portfolio
NPLs and NPL ratio*1
(JPY tn)
Total credit cost and total credit cost ratio*2
Consolidated (left axis)
2.0
1.6
Consolidated (left axis)
(JPY bn)
Non-consolidated (left axis)
-Consolidated (right axis)
8%
600
-Non-consolidated (right axis)
(bp)
Non-consolidated (left axis)
Consolidated (right axis)
60
500
Non-consolidated (right axis)
50
50
6%
400
360.5
40
40
36bp
300
1.2
1.2
274.4
50
30
25bp 242.7
26bp
1.0
4%
200
170.6
161.1
20
20
0.8
18bp
15bp
0.8
100
10
0.7
0.6
5bp 49.6
0.4
2%
0
0
0.4
0.98% 1.08%
0.68%
(100)
(10)
0.77%
0.65%
0.0
0.46%
Mar. 17 Mar. 18 Mar. 19 Mar. 20 Mar. 21 Mar. 22
0%
(200)
(20)
FY3/18
FY3/19
FY3/20
FY3/21
FY3/22
Coverage ratio*3
Consolidated
Non-consolidated
66.26% 66.98%
81.71% 79.64%
*1 NPL ratio = NPLs based on the Financial Reconstruction Act (excluding normal assets) / Total claims
*2 Total credit cost ratio = Total credit cost / Total claims
*3 Ratio of the collateral, guarantees and specific and general reserves to total NPLs
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