Initiatives to Improve Corporate Value
(2) bps
FY2022
FY2023
Act.
YOY*3
Plan
YoY*3
Trend of Loans and Deposits (Domestic Account)
Average loan / deposit balance, rates and spread
FY'22 (YOY)
Average loan balance +3.20%, Loan rate: (4) bps
[Excluding loans to the Japanese government and others]
Average loan balance: +1.94%, Loan rate: (3) bps
=> Full year (Plan) +2.84%
Avg. bal Trillion Yen
Income/Cost: Billion Yen
Total of
Group Banks
Trend of average loan balance
[Average loan balance (JPY tn)] % represents YoY change
Corporate (Excluding loans to HD)
■ Personal
39.80
38.56
+3.20%
37.65
35.38
22.15
20.86
21.81
21.89
(a)
(b)
(c)
(d)
+1.18%
Avg.
(1)
39.80
+3.20%
41.39
+3.99%
Bal.
Loans
Rate (2)
0.84%
(0.04)%
0.81%
(0.03)%
14.06
13.20
13.47
13.84
+1.61%
Income
(3)
337.5
(5.0)
335.8
(1.6)
Corporate
Avg.
FY2019
(4)
22.15
+1.18%
22.80
+2.92%
banking
Bal.
business
Rate (5)
0.81%
(0.01)%
0.79%
(0.02)%
unit1
Avg.
(6)
18.89
+2.15%
19.64
+3.94%
[Corporate loan]
Corporate
Bal.
Loan
Fixed rate*4
Rate
(7)
0.77%
(0.01)%
0.75% (0.01)%
Prime rate, etc.*4
Personal
Avg.
(8)
14.06
+1.61%
14.27
+1.48%
banking
business
Bal.
Market rate *4
--Corporate loan rate
FY2020 FY2021 FY2022
Loan rate on a stock basis
and composition by interest rate type
[Residential housing loan]
Fixed rate
Variable rate
■■Residential housing loans rate
unit⭑2
Rate (9)
1.07%
(0.04)%
1.03% (0.03)%
1.04%
0.99%
0.95%
Avg.
0.77%
0.78%
0.77%
.
(10)
61.05
+3.05%
62.42
+2.25%
Bal.
Deposits
(Including NCDs)
7%
7%
6%
Rate (11)
0.00%
(0.00)%
0.00%
+0.00%
27%
28%
27%
Cost
(12)
(3.3)
+1.2
(3.4)
(0.1)
19%
19%
17%
93%
93%
94%
Spread (13)
0.84%
(0.03)%
0.80% (0.03)%
53%
54%
55%
Loan-to-deposit
Net
interest (14)
334.1
(3.8)
332.4
(1.7)
income
2021/3
2022/3
2023/3
*1. Corporate Banking Business Unit: Corporate loans (excluding loans to HD) + apartment loans, Figures are for internal administration purpose
*2. Personal Banking Business Unit: Residential housing loans + other consumer loans, Figures are for internal administration purpose
*3. Average balance rate of change *4. Corporate banking business unit (excluding apartment loans) + public corporation, etc.
2021/3
2022/3 2023/3
Resona Holdings, Inc.
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