Investor Presentaiton
Stable and Diversified Income
DBJ has maintained stable and diversified income throughout its history.
■DBJ has successfully built an investment portfolio that generates stable income on investments, which has offset the decrease in
interest income reflecting a decline in the average loan balance and the ultra-low interest rate environment.
Even under the COVID-19 pandemic, DBJ has successfully maintained positive net income due to the diversified income sources.
Gross Ordinary Income (1)
JPY billion
Net Income (2)
250
200
I
I
218
15
JPY billion
249
250
22
22
200
123
150
101
150
100
50
50
0
101
104
FY2015 FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022
Fee and commission income
Investment
Loans
100
129
60
50
88
==
94
93
T
95
80
52
59
52
47
0
FY
FY
2015 2016
FY FY
2017 2018 2019
FY
FY
FY
FY
FY
2020
2021
2022 2023
H1
■Net Income
(1) Consolidated. Managerial accounting information. Note(i) Due to certain changes in the calculation methodology made for the year ended 31 March 2023, figures for the year ended 31
March 2022 have been retrospectively reclassified to reflect such changes and Note(ii) Figures for the year ended 31 March 2021 and prior have not been retrospectively reclassified,
and are therefore not comparable to figures for the year ended 31 March 2023 and 31 March 2022.
(2) Consolidated. Financial in FY2023 H1 may be updated after independent accountant review.
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