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
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