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Investor Presentaiton

Credit costs and non-performing loans. Credit costs increased by 1.1 billion yen on a year-on-year basis due mainly to an increase in the disposal of non-performing loans, though the credit cost ratio remained at a low level The NPL ratio remained at a historically low 1.06%, thanks to a year-on-year decrease of 0.3 billion yen in the claims disclosed under the Financial Reconstruction Act, to 69.8 billion yen. 0.05% Trends in credit costs 0.00% (Billion yen) Trends in NPLs (term-end balance) and NPL ratio (Billion yen) 1.28% 1.20% 1.15% 0.07% 0.05% Credit cost ratio +0.02 points 1.06% NPL ratio -0.09 points Reference: Average loan balance of top banks 1.28% 72.6 71.4 70.1 69.8 14.7 16.8 18.5 17.6 Sub- standard Doubtful 52.6 48.3 45.7 46.1 4.2 3.1 Credit costs Bankrupt, etc. 2.7 0.2 FY2016 FY2017 FY2018 FY2019 5.3 6.3 5.9 6.1 T T T End of March End of March 2017 2018 End of March 2019 End of March 2020 * Subject banks: The top 10 in terms of loan balances among 103 regional banks in Japan (as of March 31, 2020): Bank of Yokohama, Chiba Bank, Fukuoka Bank, Shizuoka Bank, Nishi-Nippon City Bank, North Pacific Bank, Joyo Bank, Hiroshima Bank, Bank of Kyoto, Gunma Bank 29
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