Resona Holdings, Inc. · TSE:8308
Resona — 1-3Q FY2014 Earnings Presentation
12 slides from Resona's earnings presentation, Feb 12, 2015
Slide 1: Supplementary Explanatory Material for the Results of 1-3Q Period of FY2014
Supplementary Explanatory Material for the Results of 1-3Q Period of FY2014 February 12, 2015
Slide 2: Consolidated Net Income for 1-3Q FY2014 Compared with 1-3Q FY2013
Consolidated Net Income for 1-3Q FY2014 Compared with 1-3Q FY2013 Posted Y191.2bn of consolidated net income, up Y17.5bn (+10.1%) YoY, surpassing the full year forecast Consolidated gross operating profit increased by Y19.9bn (+4.3%), primarily due to increase in fee income and net gains on bond
Slide 3: Summary of Operating Results for 1-3Q Period of FY2014
Summary of Operating Results for 1-3Q Period of FY2014 Total of Group Banks FY2013 FY2014 Rate of Change Comments (Amounts in billions of yen) 1-3Q 1-3Q Progress*3 Gross operating profit (1) Up Y21.3 bn YoY (1) 415.5 436.8 +5.1% 78.4% Progress rate against the full-year guidance is 78.4% Net interes
Slide 4: Gross Operating Profits for 1-3Q FY2014 Compared with 1-3Q FY2013 (Total of Group Banks)
Gross Operating Profits for 1-3Q FY2014 Compared with 1-3Q FY2013 (Total of Group Banks) Top-line income has steadily progressed towards a goal of turning it around Net gainson bonds (Billions of Yen) (including futures) Investment trust (0.6) +13.8 1-3Q of Insurance +4.9 Other fee Other items i
Slide 5: Outline of Results by Business Segments (1)
Outline of Results by Business Segments (1) Actual net operating profit increased by Y14.4bn YoY due to Markets division (Y bn) FY2013 FY2014 (Billions of Yen) Change 1-3Q 1-3Q (1) Gross operating profit 405.5 402.0 (3.4) (0.9) (4.3) +19.6 Customer Personal Corporate Markets (2) Operating expense
Slide 6: Outline of Results by Business Segments (2)
Outline of Results by Business Segments (2) Personal Banking Segment Corporate Banking Segment Actual net operating profit decreased by Y0.9bn Actual net operating profit decreased by Y4.3bn Investment trust and insurance sale made up for Primarily owing to a decline in income from loan and
Slide 7: Trend of Loan and Deposit (Total of Group Banks)
Trend of Loan and Deposit (Total of Group Banks) Average loan balance and spread Loan and deposit rates and spread (Domestic Account) FY2014 (Trillion Yen) 1-3Q Y oY Y oY (Act) change (Plan) change Average loan balance (1) 26.46 +1.35% 26.59 +1.73% Average (2) 25.97 +1.19% 26.15 +1.74% Loans balanc
Slide 8: Trend of Residential Housing Loan (Total of Group Banks)
Trend of Residential Housing Loan (Total of Group Banks) New loan origination Pｌｎ Term-end loan balance Net loss ratio*1 remains low (Ytn) FY2014 1-3Q 0.07% FY2013 Pｌｎ 0.08% *1. Ratio of subrogation by HL guarantee subsidiaries x (1－ recovery rate after subrogation) (Including apartment loan) 7
Slide 9: Trend of Investment Product Sale Business (Total of Group Banks)
Trend of Investment Product Sale Business (Total of Group Banks) Investment Trusts Pｌｎ Insurance Products Pｌｎ 8
Slide 10: Trend of Credit Cost, NPL and Securities Portfolio
Trend of Credit Cost, NPL and Securities Portfolio Trend of credit costs and NPL Securities portfolio (RHD Consolidated) Credit costs Available-for-sale securities FY2012 FY2013 FY 2014 Net unrealized gain as of Dec. 31, 2014 : Y485.0 bn (Y bn) 1H 2H 1H 3Q 2H 1H 3Q Stocks : Break-even Nikkei
Slide 11: Capital Adequacy Ratio (Consolidated)
Capital Adequacy Ratio (Consolidated) Domestic Standard (Reference) International Standard Adopted the Basel 3 from Mar. 31, 2014 Banks adopting the IRB approach to calculate credit For the methodology to calculate the credit risk risk weighted assets are required to satisfy: weighted assets,
Slide 12: Forward-looking statements
The forward-looking statements contained in this presentation may be subject to material change due to the following factors. These factors may include changes in the level of stock price in Japan, any development and change related to the government’s policies, laws, business practices and their in