Initiatives to Improve Corporate Value
Credit Costs and NPL
Credit costs
FY2020 FY2021 FY2022 FY2023
HD Consolidated
Total of Group Banks
NPL balance and ratio (Total of group banks)
(Financial Reconstruction Act criteria)
Unrecoverable or valueless claims
(JPY bn)
Plan
Risk claims
(a)
(b)
(c)
(d)
Net credit cost
Special attention loans
(1)
(HD consolidated)
(57.4)
(58.7)
(15.9)
(38.0)
-NPL ratio
- (Reference) NPL ratio (HD consolidated)
Net credit cost
Net NPL ratio*3
0.32%
(2)
(52.3)
(61.2)
(15.0)
(31.5)
(Total of group banks)
1.65%
General reserve
(3)
(15.9)
(7.2)
(3.1)
1.57%
Specific reserve
(4)
(36.3)
(53.9)
(11.9)
1.32%
and other items
1.29%
New bankruptcy,
1.12%
(5)
downward migration
(45.0)
(66.0)
(45.2)
Collection/
(JPY bn)
538.2
550.2
(6)
8.7
12.0
33.2
upward migration
53.6
57.2
447.9
Difference (1) - (2)
(7)
(5.1)
2.4
(0.8)
(6.5)
56.7
HL guarantee subsidiaries
(8)
(0.5)
6.5
1.4
342.3
Resona Card
(9)
(1.5)
(1.4)
(1.7)
370.5
295.7
<Credit cost ratio>
(bps)
HD consolidated*1
(10)
(15.0)
(14.8)
(3.9)
(8.9)
*2
Total of group banks
(11)
(13.4) (15.1)
(3.6)
(7.2)
150.6
95.4
114.0
*(Note) Positive figures represent reversal gains
2021/3
2022/3
2023/3
*1. Credit cost / (Loans and bills discounted + acceptances and guarantees), (Simple average of the balances at the beginning and end of the term)
*2. Credit cost / total credits defined under the Financial Reconstruction Act, (Simple average of the balances at the beginning and end of the term)
*3. Net of collateral, guarantees and loan loss reserves
Resona Holdings, Inc.
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