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Investor Presentaiton

Balance Sheet Composition & Strong Capitalization DBJ maintains a solid and stable balance sheet. ■DBJ has been accumulating capital as a result of profit accumulation and the government's equity injection for Special Investment Operations. ■DBJ aims to maintain a Common Equity Tier 1 ratio of at least around 14% based on the target set down in the Fifth Medium-Term Management Plan. Balance Sheet Composition (1) Total Assets and Common Equity Tier 1 Ratio(1) JPY billion 100% JPY billion 3,513 998 (5%) 15% 22,000 22% 26% 20,000 20% (16%) Borrowings 17.22% 17.26% 80% 59% 18,000 16.81% 16.65% 16.65% 16.97% 2,911 from JFC (3) 16.34% 18% (14%) 10,085 (47%) 16,000 16% (2) Outstanding borrowings 14,000 14% 60% Government 12,000 12% Non-Government 21,222 21,509 21,482 10,000 10% 40% 15,058 (70%) 6,436 (30%) 20% 8,000 16,570 16,952 17,079 17,694 8% 6,000 6% 53% 4,000 4% 3,964 (18%) 47% 0% (2) Assets Liabilities Bonds ■Loans ■ Equity Non-Guaranteed Bonds Others Securities ■Cash and Others (1) Consolidated. As of March 31, 2023. (2) Non-Consolidated. As of March 31, 2023 (3) Provided under Two-step Loans for the Crisis Response Operations (See page 7) ■Borrowed Money ■Gov-Guaranteed 2,000 2% 0 0% FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 Total Assets (LHS) Common Equity Tier 1 Ratio (RHS) 16 DBJ
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