Investor Presentaiton
Loans to SMEs and personal loans
The average balance of loans to SMEs continued to increase at a steady pace, supported by factors including enhancements in consulting sales
based on evaluations of business potential.
Due to efforts to strengthen the business centered on home loans, including Hirogin Home Loan Flat 35 (Guaranteed), personal loans increased by
71.4 billion yen (YoY +4.7%).
In the apartment loan sector, we assumed loans judged to have sufficient stress tolerance based on a recognition of these loans as effective
inheritance tax shelters or reliable property investments.
Trends in the average balance of and number of business loans
Trends in the number of business loans
Number of business loan borrowers
Trends in the average balance of personal loans
+71.4 billion
yoy +4.7%
Yield on lending (stock rate)
30,840
31,091
30,365
29,948
+251
FY2019 H2
26,580
26,942
27,345
27,544
Major
companies
0.34%
1,582.7
8.5
Mid-sized
1,511.3
+199
0.58%
companies
Number of retail clients
(Less than 1 billion yen in sales)
SMES
1.04%
(Customers)
End of March End of March
2017
2018
Total
1.03%
1,372.5
1,447.8
7.2
88.2
7.2
101.6
114.4
End of March End of March
2019
2020
8.0
71.1
450.7
3,757.6
3,631.2
3,430.7
3,498.2
427.2
402.6
Loans to major and
1,123.3
1,153.7
371.1
mid-sized
1,192.3
1,129.5
companies
+30.4 billion yen
(YOY +2.7%)
2,238.4
2,368.7
2,507.9
2,604.0
Loans to SMEs
+96.1 billion yen
(YOY +3.8%)
949.7
975.2
1,009.1
922.3
Other
+1.3 billion
(yoy +18.1%)
Consumer loans
+12.8 billion
(yoy +12.6%)
Apartment loans
+23.4 billion
(yoy +5.5%)
Surpassed
1 trillion yen
Housing loans
+33.9 billion
(yoy +3.5%)
FY2016
FY2017
FY2018
FY2019
(Billion yen)
Ratio of loans to
SMEs in business
65.2%
67.7%
69.1%
69.3%
FY2016
FY2017
FY2018
FY2019 (Billion yen)
loans
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