Historical Data | IR Information

As of December 14, 2011

(million yen)

				FY2006	FY2007	FY2008	FY2009	FY2010
Gross Profits 〈excluding Bond sales Gain/Loss〉				52,469 (52,471)	52,009 (51,858)	44,696 (49,851)	48,994 (48,445)	49,202 (48,561)
	Net Interest Income			44,023	44,079	43,144	42,008	42,377
	Fees and Commissions			8,422	7,352	6,339	6,175	5,891
	Other Business Profits			23	577	△4,786	810	934
		Bond Sales Gain/Loss		△2	150	△5,154	549	640
Expenses			(△)	32,832	33,547	33,441	32,292	31,499
	Personnel　Expenses		(△)	16,304	16,398	16,485	16,527	16,562
	Non-Personnel Expenses		(△)	14,837	15,414	15,346	14,268	13,424
	Tax		(△)	1,689	1,733	1,609	1,495	1,512
Net Business Profits				19,639	18,311	16,409	16,153	17,062
General Reserve Provision (1)			(△)	△1,339	△618	△2,621	1,177	2,117
Net Business Profits (after reserve)				20,976	19,081	13,876	15,524	15,585
Expenses related to portfolio problem				△17,360	△7,324	△24,935	△10,134	△4,627
	Stock Sales Gain/Loss			1,785	△3,045	△7,059	1,425	△1,272
	Credit Losses (2)		(△)	18,690	4,613	17,746	10,883	2,638
	(Impairment charges (1)＋(2))		(△)	(17,351)	(3,994)	(15,124)	(12,061)	(4,756)
Ordinary Profits				3,616	11,756	△11,058	5,389	10,958
Extraordinary Gain/Loss				768	928	1,787	977	895
	Gain from collection (3)			1,305	2,135	2,237	1,091	1,371
	Impairment charges		(△)	215	18	223	13	150
Income before Taxes				4,384	12,685	△9,270	6,367	11,853
Corporate, business, residential Tax			(△)	1,386	2,447	246	45	5,361
Refund of corporate tax			(△)	-	-	-	△166	-
Adjustment for corporate tax			(△)	195	6,674	477	596	△451
Net Income				2,801	3,562	△9,994	5,893	6,943
Total Credit Costs((1)＋(2)－(3))				16,046	1,859	12,886	10,970	3,384

(million yen)

				1H FY2007	1H FY2008	1H FY2009	1H FY2010	1H FY2011
Gross Profits 〈excluding Bond sales Gain/Loss〉				26,131 (26,248)	21,706 (25,214)	24,532 (24,312)	24,939 (24,235)	25,254 (24,523)
	Net Interest Income			22,016	21,710	21,176	21,107	21,380
	Fees and Commissions			4,006	3,381	2,973	2,974	2,949
	Other Business Profits			108	△3,384	381	857	924
		Bond Sales Gain/Loss		△117	△3,507	219	703	731
Expenses			(△)	16,640	16,966	16,112	15,887	15,243
	Personnel　Expenses		(△)	8,262	8,355	8,221	8,313	8,131
	Non-Personnel Expenses		(△)	7,532	7,803	7,158	6,808	6,397
	Tax		(△)	845	807	732	765	714
Net Business Profits				9,608	8,247	8,200	8,348	9,279
General Reserve Provision (1)			(△)	△980	220	412	2,104	748
Net Business Profits (after reserve)				10,471	4,519	8,007	6,947	9,262
Expenses related to portfolio problem				△2,868	△14,666	△5,745	△2,637	△3,161
	Stock Sales Gain/Loss			△17	△3,955	△623	△1,357	△977
	Credit Losses (2)		(△)	3,294	10,844	4,847	1,113	2,482
	(Impairment charges (1)＋(2))		(△)	(2,313)	(11,064)	(5,260)	(3,217)	(3,231)
	Gain from collection (3)			-	-	-	-	514
Ordinary Profits				7,577	△10,146	2,261	4,309	6,100
Extraordinary Gain/Loss				△46	486	332	370	△81
	Gain from collection (3)			981	660	363	695	-
	Impairment charges		(△)	12	99	0	86	52
Income before Taxes				7,531	△9,660	2,594	4,680	6,018
Corporate, business, residential Tax			(△)	1,416	172	95	2,955	1,043
Refund of corporate tax			(△)	-	-	△166	-	-
Adjustment for corporate tax			(△)	1,849	△144	△1,277	△747	1,527
Net Income				4,265	△9,688	3,942	2,473	3,448
Total Credit Costs((1)＋(2)－(3))				1,331	10,404	4,897	2,522	2,717

(billion yen, %)

		FY2006		FY2007		FY2008		FY2009		FY2010
		Avg Bal	Yield	Avg Bal	Yield	Avg Bal	Yield	Avg Bal	Yield	Avg Bal	Yield
	Loan	2,067.5	1.87	2,098.4	2.00	2,127.3	1.95	2,145.1	1.80	2,122.5	1.72
	Securities	708.4	1.40	723.5	1.50	698.4	1.44	774.3	1.30	821.8	1.24
	Call Loans, etc	63.3		100.7		103.5		105.6		155.0
Investments		2,839.2	1.73	2,922.6	1.84	2,929.3	1.78	3,025.0	1.62	3,099.4	1.52
	Deposits	2,587.6	0.10	2,674.7	0.25	2,713.8	0.27	2,790.5	0.21	2,818.9	0.13
	Negotiable CD	114.9	0.18	83.5	0.40	76.4	0.43	89.6	0.32	115.8	0.14
	Call money, etc	23.5		51.4		32.7		43.1		61.7
Borrowing		2,726.1	0.18	2,809.7	0.34	2,823.0	0.32	2,923.3	0.24	2,996.4	0.16

(%)

	FY2006	FY2007	FY2008	FY2009	FY2010
Interest Margin	0.34	0.31	0.28	0.28	0.31
Spread (Loan vs Deposit)	1.76	1.74	1.67	1.59	1.59
Cost to Deposits	1.21	1.21	1.19	1.12	1.07
OHR (Overhead ratio)	62.5	64.6	67.0	66.6	64.8

(billion yen, %)

		1H FY2007		1H FY2008		1H FY2009		1H FY2010		1H FY2011
		Avg Bal	Yield	Avg Bal	Yield	Avg Bal	Yield	Avg Bal	Yield	Avg Bal	Yield
	Loan	2,069.9	1.99	2,133.7	1.96	2,141.0	1.83	2,115.0	1.74	2,179.2	1.62
	Securities	734.9	1.53	727.1	1.47	763.6	1.35	808.8	1.27	886.8	1.24
	Call Loans, etc	145.1		97.3		114.5		181.7		128.5
Investments		2,950.0	1.82	2,958.2	1.80	3,019.3	1.65	3,105.6	1.53	3,194.7	1.47
	Deposits	2,676.9	0.24	2,724.5	0.29	2,786.2	0.23	2,831.0	0.14	2,859.0	0.10
	Negotiable CD	106.7	0.39	86.0	0.42	96.2	0.32	114.2	0.15	165.8	0.11
	Call money, etc	53.7		33.9		37.2		58.2		66.3
Borrowing		2,837.4	0.34	2,844.4	0.34	2,919.7	0.26	3,003.5	0.17	3,091.2	0.13

(%)

	1H FY2007	1H FY2008	1H FY2009	1H FY2010	1H FY2011
Interest Margin	0.31	0.27	0.29	0.30	0.35
Spread (Loan vs Deposit)	1.74	1.66	1.60	1.60	1.52
Cost to Deposits	1.19	1.20	1.11	1.07	1.00
OHR (Overhead ratio)	63.3	67.2	66.2	65.5	62.1