PowerPoint プレゼンテーション

Financial
Financial Results
Results for
for the
the Third
Third Quarter
Quarter
of
of Fiscal
Fiscal Year
Year
Ended
Ended December
December 31,
31, 2013
2013
Ashikaga Holdings Co., Ltd.
The Ashikaga Bank, Ltd.
Contents
 Income Status
・・・・・・
2
 Projections
・・・・・・
3
 Gross business profit／Expenses
・・・・・・
4
 Loan and deposit average yield
・・・・・・
5
 Factor Analysis（Gross business profit）
・・・・・・
6
 Loans
・・・・・・
7
 Deposits
・・・・・・
8
 Individual Customer assets
・・・・・・
9
 Securities
・・・・・・ 10
 Non-performing loans／Credit related costs
・・・・・・ 11
 Capital ratio（Domestic standard）
・・・・・・ 12
（Figures are non-consolidated basis of The Ashikaga Bank, Ltd. without special mention. ）
1
Income Status
《The Ashikaga Bank, Ltd.（Non-Consolidated basis）》
(JPY Bn)
Item
Gross business profit
For the nine
months ended
Dec. 31, 2012
(B)
For the nine
months ended
Dec. 31, 2013
(A)
コア業務純益
61.9
47.3
8.5
6.0
5.6
56.3
37.8
20.4
15.4
18.4
60.3
48.2
10.3
1.6
1.3
58.9
36.9
19.6
15.3
22.0
-1.5
+0.9
+1.8
-4.3
-4.2
+2.6
-0.8
-0.7
-0.1
+3.5
81.0
62.7
12.1
6.1
5.6
75.4
49.7
27.2
20.2
25.7
実質業務純益
24.1
23.4
-0.6
31.3
-10.1
-1.5
21.7
-0.1
19.9
1.5
7.3
9.8
28.9
-0.2
28.5
3.8
+17.5
+11.4
+7.2
-0.1
+8.6
+2.3
-13.1
-0.7
26.8
-0.2
24.6
4.5
科目
(Japanese)
業務粗利益
Net interest income
資金利益
Net fees and commissions
役務取引等利益
Net other business income
その他業務利益
Gains (losses) on bonds
国債等債券損益
Core Gross business profit
コア業務粗利益
Expenses
経費
Personnel expenses
人件費
Non-personnel expenses
物件費
Core net business income
Net business income (before provision for
general reserve for possible loan losses)
Net non-recurrent gains (losses)
Gains (losses) on stocks
臨時損益
株式等損益
Operating profit
経常利益
Net special gains (losses)
特別損益
Net profit
四半期純利益
Credit related costs
与信関係費用
(A)-(B)
※Core net business income ＝Net business income (before provision for general reserve for possible loan losses)
－Gains (losses) on bonds (Government bonds, etc.)
FY　2012
(Reference)
2
Projections
《Ashikaga Holdings Co., Ltd.（Consolidated basis）》
Item
Operating income
Consolidated gross business profit
Expenses
Net business income (before provision
for general reserve for possible loan losses)
Credit related costs
Gains (losses) on stocks
Operating Profit
Net profit
科目
(Japanese)
経常収益
連結粗利益
経費
実質業務純益
与信関係費用
株式等損益
経常利益
当期純利益
《The Ashikaga Bank, Ltd.（Non-Consolidated basis）》
Item
Gross business profit
Expenses
Core net business income
Credit related costs
Gains (losses) on stocks
Operating profit
Net profit
科目
(Japanese)
業務粗利益
経費
コア業務純益
与信関係費用
株式等損益
経常利益
当期純利益
（JPY Bn）
FY　2013
(Projection）
102.0
80.6
56.0
24.6
8.1
8.0
24.0
20.0
For the nine
months ended
Dec. 31, 2013
82.6
62.1
42.7
19.4
4.4
9.2
23.5
22.6
Progress
81.1%
77.2%
76.4%
78.9%
54.9%
115.7%
98.3%
113.0%
（JPY Bn）
FY　2013
(Projection）
78.2
48.3
28.6
7.4
8.5
31.0
27.6
For the nine
months ended
Dec. 31, 2013
60.3
36.9
22.0
3.8
9.8
28.9
28.5
Progress
77.2%
76.5%
77.2%
51.9%
116.2%
93.4%
103.5%
3
Gross business profit／Expenses
《Gross business profit》
《Expenses／OHR》
（JPY Bn）
Net other business income
Net fees and commissions
Net interest income
（JPY Bn）
Taxes
Non-personnel expenses
Personnel expenses
OHR
66.13%
86.0
7.0
9.8
81.8
81.0
5.8
6.1
10.6
61.9
-1.5
12.1
60.3
1.6
10.3
6.0
8.5
51.5
-4.3
2.6
65.3
FY10
FY11
3Q-FY12
49.7
2.6
61.16%
-0.8
2.2
25.7
37.8
1.9
20.2
15.4
62.7
47.3
61.32%
54.1
＋1.8
23.9
69.2
61.04%
59.93%
36.9
1.9
15.3 -0.1
48.2 ＋0.9
FY12
※3Q＝For the nine months ended Dec. 31
3Q-FY13
25.0
25.7
FY10
FY11
20.4
3Q-FY12
27.2
FY12
19.6 -0.7
3Q-FY13
4
Loan and deposit average yield
《Loans (average balance)／Loan yield》
《Deposits (average balance)／Deposit yield》
（JPY Bn）
Deposits (average balance)
Deposit yield
Loans (average balance)
Loan yield
1.87%
0.118%
1.72%
1.57%
3,339.8
3,453.3
FY10
FY11
（JPY Bn）
1.56%
3,594.6
3,613.2
3Q-FY12
FY12
※3Q＝For the nine months ended Dec. 31
0.087%
0.065%
0.064%
0.054% -0.011
1.45% -0.12
3,802.6 ＋207.9
3Q-FY13
4,493.4
FY10
4,697.2
4,788.9
4,803.3
FY11
3Q-FY12
FY12
5,008.0 ＋219.1
3Q-FY13
5
Factor Analysis（Gross business profit）
《Factor Analysis（YoY change）》
（JPY Bn）
＋0.7
＋0.1
Remittance,
ATM,
Investment
Account
trusts,
Loan
transfer,
Insurance, related fee
etc.
etc.
incomes
(Syndicate
d loan,
Private
bond,
etc.)
△4.2
＋1.0
＋0.7
＋1.1 Security
volume
-3.5
＋0.4
＋2.5
61.9
Bn
Loan
yield
△0.1
Deposits
Deposits volume
yield
Security
yield
Security factor
＋1.8
Loan
Deposits factor
volume
＋0.3
Loan factor
Net interest income
48.2Bn（＋0.9Bn）
△1.0
3Q-FY12
※3Q＝For the nine months ended Dec. 31
Gains
(losses)
on
bonds
△0.1
Gain on
redemption of
Investment trusts
0.7Bn
Net fees and
commissions 10.3Bn
（＋1.8Bn）
△1.5
Others
Net other
business
income
1.6Bn(△4.3Bn）
60.3
Bn
3Q-FY13
6
Loans
《Loans (term-end balance)》
《Breakdown of year-on-year change
in total loan balance》
（JPY Bn）
Others
National / Local government
Small-and-medium-sized enterprises
Housing loans
3,473.2
555.0
325.5
1,404.5
3,641.0
598.4
431.8
1,392.5
3,682.3
605.5
412.9
1,387.7
3,775.2
596.0
487.9
1,392.8
＋59.0
＋250.2
3,932.5
＋82.9
（＋5.9％)
602.1
National
/ Local
governm
ent
（JPY Bn）
-3.4
Others
472.0
SMEs
1,470.6
＋111.6
(＋8.7％)
＋250.2
(＋6.7％)
Housing
loans
1,188.2
1,218.3
1,276.2
1,298.5
1,387.8
Mar-11
Mar-12
Dec-12
Mar-13
Dec-13
7
Deposits
《Deposits (term-end balance)》
（JPY Bn）
NCD
《Breakdown of year-on-year change
in deposits balance》
（JPY Bn）
Public sector and financial institutions
Corporate
Individual customers
＋102.4
＋283.3
5,172.8
4,963.0
4,856.1 4,889.5
180.9
171.4
4,646.6 169.9
107.1
246.5
388.0
386.5
373.8
963.1
1,035.6
1,109.6
273.9
NCD
262.9
＋43.7
＋16.4
(＋3.9％)
1,153.3
1,057.1
3,202.4
3,264.0
3,361.7
3,337.0
3,482.6
Mar-11
Mar-12
Dec-12
Mar-13
Dec-13
＋120.8
(＋3.5％)
Corporate
Public
sector and
financial
institutions
＋283.3
(＋5.7％)
Individual
customers
8
Individual Customer assets
《Individual Customer assets under custody
(term-end balances)》（JPY
Public bonds
Insurance
Investment trusts
＋13.2
680.7
628.2
179.5
702.9
Under custody
Foreign currency deposits
JPY deposits
174.1
153.1 -25.9
3,830.6
628.2
218.2
3,909.2
693.9 ＋13.2
680.7
259.3
258.9
241.8
232.8
242.2
269.8
Mar-11
Mar-12
Dec-12
Mar-13
＋134.1
4,042.5 4,040.0
194.1
268.3 ＋8.9
（JPY Bn）
4,176.6
693.9
645.2
179.1
206.9
Bn）
《Total Individual Customer assets
(term-end balances)》
21.2
645.2
702.9
13.7 -5.7
20.8
19.4
17.8
3,319.1
3,181.1
3,243.1
3,342.4
Mar-11
Mar-12
Dec-12
3,469.0 ＋126.6
272.5 ＋30.2
Dec-13
※Insurance＝Individual annuity insurance＋Whole life insurance＋Educational insurance
Mar-13 Dec-13
9
Securities
《Unrealized Valuation Gains (Losses) on Other
Securities (available-for-sale securities)》（JPY
《Securities (term-end balances)》
（JPY Bn）
Other securities
Stocks
Corporate bonds
Municipal bonds
Government bonds
Duration of yen-denominated bonds
3.9years
3.5years
3.5years
3.8years
1,364.3
The Ashikaga Bank, Ltd.
（Non-Consolidated basis）
Ashikaga Holdings Co.,
Ltd.（Consolidated basis）
17.5
13.5
37.7
66.7
1,231.4
1,243.8
1,215.8
206.3
42.9
67.4
84.0
69.1
97.6
80.0
138.8 ＋41.2
78.3
-1.7
343.2
298.1
286.8
278.9
9.9
1,225.6
-7.9
311.6
237.4 -74.2
363.3
436.0
439.6
492.0 +52.4
Mar-12
Dec-12
Mar-13
681.8
Mar-11
30.9
Dec-13
15.4
10.9
4.9
Mar-11
356.4
414.5
31.3
34.4
4.1years
＋9.8
371.7
34.9
Bn）
Mar-12
Dec-12
Mar-13
Dec-13
【Ashikaga Holdings Co., Ltd.（Consolidated basis）】
Mar-13
Dec-13
Other Securities
31.3
30.9
(available-for-sale)
Bonds
11.5
3.4
Stocks
18.5
23.6
Others
1.2
3.8
Held-to-maturity
7.8
7.2
※Yen-denominated bonds
=Domestic bond + Yen-denominated foreign bond
10
Non-performing loans／Credit related costs
《Loans subject to mandatory disclosure
under the Financial Reconstruction Law》
《Credit related costs》
Bankrupt and substantially bankrupt claims
Doubtful claims
Claims requiring supervision
Non-performing loan ratio
The Ashikaga Bank, Ltd.
（Non-Consolidated basis）
Ashikaga Holdings Co., Ltd.
（Consolidated basis）
10.7
3.39%
3.32%
3.22%
3.20%
（JPY Bn）
（JPY Bn）
3.09%
8.6
-0.8
119.0
17.5
122.3
120.4
122.5
11.1
11.1
9.5
123.3
10.6 ＋1.1
5.6
5.0
4.5
75.4
77.5
76.4
81.3
73.4
3.8
-7.9
3.8
1.5
26.0
33.6
32.8
31.7
Mar-11
Mar-12
Dec-12
Mar-13
4.4
1.9
39.2 ＋7.5
Dec-13
FY10
FY11
3Q-FY12
FY12
3Q-FY13
11
Capital ratio（Domestic standard）
《Ashikaga Holdings Co., Ltd.
(Consolidated basis) 》
9.47%
（JPY Bn）
《The Ashikaga Bank, Ltd.
(Non-consolidated basis)》
9.70%
9.14%
8.63%
8.07%
8.38%
8.32%
246.8
236.2
218.9
209.8
7.45%
Tier 1
Capital
6.67%
5.67%
6.03%
Capital
ratio
5.86%
182.9
180.3
5.08%
157.2
141.3
198.2
7.69%
9.17%
9.11%
8.54%
8.49%
8.36%
Capital
252.9
（JPY Bn）
7.73%
242.4
209.3
193.6
219.9
225.9
249.1
232.0
203.5
Tier 1
Capital
ratio
153.0
123.6
21.7Bn
(capital
increase
through
public
offering)
Mar-11
Mar-12
Mar-13
Sep-13
Dec-13
Mar-11
Mar-12
Mar-13
Sep-13
Dec-13 12
This document may not be reproduced or distributed to any third party without prior
written consent of Ashikaga Holdings Co., Ltd. This document has been prepared for
information purposes only and does not form part of a solicitation to sell or purchase
any securities. Information contained herein may be changed or revised without prior
notice. This document may contain forward-looking statements as to future results
of operations. No forward-looking statement can be guaranteed and actual results of
operations may differ from those projected.

Download Report