Investor Presentaiton
HIROSHIMA BANK
2. Non performing Loans (NPLs)
V. Financial soundness
Still considering the downward trend in corporate performance, we have executed a conservative self-assessment for loans.
Coverage to NPLs by mortgage and guarantee increased / Coverage ratio rose to 88.2%.
NPLs (term-end balance) and NPL ratio
Coverage to NPLs
NPL ratio
(PY billions)
JPY billions)
Coverage ratio
3.2%
88.2%
83.3%
2.7%
2.6%
2.8%
82.7%
150
77.4%
(128.5)
(128.4)
128.5
128.4
100
118.4
114.9
113.2
(118.4)
99.5
98.5
95.0
(114.9)
15.5
50
52.0
26.8
100
36.2
60.2
50
52.7
74.0
86.8
0
06/3
07/3
08/3
09/3
NPLs
Coverage to NPLs
Coverage ratio
Coverage to NPLs = amount of mortgage and guarantee to NPLs
(PY billions)
2,000
26.1
1,000
23.9
21.9
14.1
Comparison of NPLs (09/3)
1,284
0
0
06/3
07/3
08/3
Bankrupt etc.
Doubtful
Sub-standard
09/3
NPL ratio
Yokohama Fukuoka Hokuhoku Shizuoka
82
Chiba
77
Hiroshima
Kyoto Gunma
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