Investor Presentaiton
Projections for FY2014
In FY2014, Core business profit is projected at ¥72.0 billion, and net income at ¥36.0 billion.
3Q results of FY2014 is progressing well, reaching 86% of projected net income.
To be
your
Bank of choice
Actual
Planned
Actual
(\bil.)
3 banks' total
FY2013
3 FY
FY2014
YOY
change
<Key Points>
3Q/2014 Progress
Gross business Profit
181.1
172.2
-9.0
Net interest income
152.9
148.6
-4.4
Domestic
147.2
141.6
-5.6
107.0
Non-interest income
28.2
23.6
-4.6
18.0
Net fees & commissions
18.5
19.9
1.4
15.5
130.5 75.8%
112.5 75.7%
75.6%
76.3%
77.9%
In credit cost, a decrease in downgrades resulted
in a gain on the reversal of allowance for loan
losses
Loans have grown at an annual rate of over 4%
<Excluding public sector: +5.7%>
(\bil.)
4.8%
4.9%
4.7%
4.5%
4.2%
Overhead expenses
100.8
99.9
-0.9
77.1
77.2%
Annual rate
Business profit
66.8
72.3
5.4
53.4
73.9%
9,488
9,619
9,609
9,662
9,885
Core business profit
74.9
72.0
-2.9
53.2
73.6%
International
195.3
197.7
196.2
200.6
229.3
1,117.3
1,134.6
Ordinary profit
66.6
69.5
2.9
54.4
78.3%
1,212.3
1,201.3
1,143.9
-6.4%
Public sector
Net income
50.1
50.0
-0.1
40.8
81.6%
Large and
second-tier
1,672.9
1,700.4
1,680.7
1,681.3
1,711.6
+2.3%
Credit cost
8.2
-0.8
-9.0
-3.1
SMEs
3,715.7
3,797.3
3,806.2
3,864.3
3,967.9
+6.8%
FFG consolidated
Ordinary profit
57.0
59.5
2.5
47.1
Net income
36.2
36.0
-0.2
30.9
79.2%
85.8%
Personal
2,691.7
2,722.2
2,781.9
2,798.7
2,841.2
+5.6%
EPS (Yen)
41.82
41.60
-0.22
35.80 86.1%
13/3Q
13/4Q
14/1Q
14/2Q
14/3Q
FFG Fukuoka Financial Group
3 banks' total Average balance
17View entire presentation