Investor Presentaiton
Status of Loans Based on the Banking Act and
Financial Reconstruction Act
TOCH
GN
TOCHIGI BANK
(Billion yen)
2021/3
2022/3
46.0
44.4
(1.6)
Change % Change
(3.3%)
Bankrupt and quasi-bankrupt
loans
1.9
1.1
Doubtful loans
43.3
42.0
Special attention loans
0.8
1.3
(0.8) (41.2%)
(1.3) (2.9%)
+0.5 +64.4%
Loans Based on the Banking Act and Financial Reconstruction Act:
Balance at the Fiscal & Year-end
Loans based on the Banking Act and Financial Reconstruction Act
are generally trending flat.
Loans based on the Banking Act and Financial Reconstruction Act
declined YoY in the fiscal year ended March 31, 2022. The non-
performing loan ratio also fell.
The cost of credit for the fiscal year ended March 31, 2022 was 1.7
billion yen. The cost of credit has been declining recently and the
credit cost ratio is also at a low level.
Cost of Credit
Bankrupt and quasi-bankrupt loans
Special attention loans
Doubtful loans
Real cost of credit
Non-performing loan ratio
(Billion yen)
(%)
(Billion yen)
5.0
60.0
2.40
2.50
2.23
2.28
2.32
2.24
0.16
48.0
45.6
46.0
4.0
2.00
44.8
43.1
44.4
0.14
2.6
1.9
1.6
1.1
2.2
36.0
1.50
3.0
Credit cost ratio
(%)
0.20
0.18
0.15
0.16
0.12
0.09
0.08
24.0
1.00
2.0
41.5
39.7
42.4
43.3
42.0
3.6
3.0
3.0
2.8
12.0
0.50
1.0
0.04
1.7
0.0
1.4
1.1
0.7
2018/3
2019/3
2020/3
0.8
2021/3
1.3
0.00
0
2022/3
2018/3
Note 1:
Note 2:
2019/3
2020/3
2021/3
0.00
2022/3
Real cost of credit = Costs for loans written-off - Recoveries of written off receivables
Credit cost ratio = Real cost of credit ÷ Average loan balance
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