Bank Of The Ryukyus,limited · TSE:8399
Bank Of The Ryukyus,limited — FY2012 Earnings Presentation
24 slides from Bank Of The Ryukyus,limited's earnings presentation, May 2013
Slide 1: Management Briefing for the FY2012
Bank of the Ryukyus Management Briefing For the FY2012
Slide 2: Top Line Revenue
Top Line Revenue Net business profit on core banking operations increased ¥0.9 billion due to higher net interest income. Billions of Yen) Change Business gross profit Net interest income Interest and dividend income on securities Fees and commissions Gains/losses JGBs and other bonds Expenses Perso
Slide 3: Factors behind change in net business profit on core banking operations
Factors behind change in net business profit on core banking operations Factors behind year-on-year change in net business profit Net business profit on core banking operations on core banking operations Billions of Yen) million Other Decrease in interest on loans and bills discounted dividends on s
Slide 4: Yields
Yields Yields Yields on loans Yields on deposits Yields on securities
Slide 5: Net income
Net income Net credit costs increased on rebound from previous year, but net profit secured Change Billions of Yen) Net business profit on core banking operations Provisions to the general reserve for possible loan losses Gains/losses JGBs and other bonds Extraordinary gain/loss Credit costs Gains/l
Slide 6: Factors behind change in net income
Factors behind year-on-year change in net Increase in Net credit costs income Decrease in Net business profit on core banking operations improvement in Gains/Losses Factors behind change in net income on securities million Net income Billions of Yen)
Slide 7: Credit costs
Credit costs NPL disposal progressing steadily Billions of Yen) Billions of Yen) Net credit costs NPLs Bankrupt claims and those of similar nature Gains from bad debts recovered Doubtful claims Reversal of reserve for possible loan losses Substandard loans Credit costs NPL ratio Provisions to the ge
Slide 8: Loans Average balance
Loans Average balance Increase mainly in mortgage and apartment loans Rate of increase Billions of Yen) Average balance of loans and bills discounted Average balance of loans and bills discounted Rate of increase 1,214.2 1,187.9 1,175.0 1,168.1 1,167.9 1,159.4 1,159.8 1,139.6 1,142.0 1,123.1 1,100.5
Slide 9: Mortgage loans year-end balance
Mortgage loans year-end balance Rate of increase Billions of Yen) Mortgage loans year-end balance Mortgage loans Rate of increase End Mar08 End Mar09 End Mar10 End Mar11 End Mar12 End Mar13
Slide 10: Business loans year-end balance
Business loans year-end balance Billions of Yen) Business loans year-end balance Real estate (including apartment loans) Other
Slide 11: Balance of individual deposits (year-end balance)
Balance of individual deposits (year-end balance) Individual and corporate deposits were strong Billions of Yen) Balance of deposits (year-end) 1,797.8 Held by governments and other public entities 1,758.9 held by corporations Held by individuals 1,640.7 129.3 165.2 1,524.1 141.0 1,413.9 1,420.4 126
Slide 12: Assets in Custody
Assets in Custody Investment trusts and single-premium insurance increased Billions of Yen) Assets in custody JGBs Investment trusts Single-premium insurance Single-premium insurance: Contract value of single-premium individual pension insurance, single-premium whole life insurance, and single-premi
Slide 13: Securities (year-end balance)
Securities (year-end balance) Billions of Yen) Balance of securities (year-end) Bonds Stocks Other
Slide 14: Gains/losses on securities and valuation gain/loss
Gains/losses on securities and valuation gain/loss Gains/losses on securities improved on rebound from previous year in response to impairment loss on stock Billions of Yen) Gains/losses on securities Gain/loss on valuation of available-for-sale securities Billions of Yen) Gains/losses on stock tran
Slide 15: Expenses
Expenses Expenses were largely unchanged from the previous fiscal year Billions of Yen) Expenses Personnel expenses Non-personnel expenses taxes
Slide 16: BIS Capital Ratio
BIS Capital Ratio Unchanged due to increase in risk assets such as loans and bills discounted BIS Ratio Billions of Yen) Regulatory capital(Other funds) Regulatory capital(Public funds) BIS Ratio(right axis) Tier Ratio(right axis)
Slide 17: Earnings Forecast for FY 2012
Earnings Forecast for FY 2012 Profit increase expected from service revenue improvement Billions of Yen) FY2013 FY2012 Year on year change Business gross profit Net business profit on core banking operations Ordinary income Net income Net Credit Costs NPL Ratio 2 3 Range
Slide 18: Overview of short-term management plan 2013
Overview of short-term management plan 2013 Review administrative processes productivity to strengthen marketing Use available capacity from higher Core Strategy I Reform our marketing system IT innovation capabilities Secure staff who can handle a wide range of work Core Strategy II Hire and tra
Slide 19: Core Strategy I
Core Strategy I Reform our marketing system IT innovation Introduced Financing Support Plus in April 2012 Ability to hold paperless meeting at head Introduced ActiBook in November 2012 Computerized restored ledger office in October 2012 Introduced investment trust index in November Auto-scre
Slide 20: Core Strategy II
Core Strategy II Hire and train highly specialized staff Enhance Ryugin Financial College staff Number of staff with qualifications Registered real estate broker First-Class Financial Clerk Service Technician First-Class Financial Planner/Certified Financial Planner Qualification in SME consulting S
Slide 21: Growth Strategy I (Support development of regional economy)
Growth Strategy I (Support development of regional economy) Support potential for growth Business Loan Sales Promotion Group Established three Loan Promotion Groups and Administration strengthened branch support in Dec,2012 Department Branch Support Group For Loan Medical Sector Group Offered Co
Slide 22: Growth Strategy I (Support development of regional economy)
Growth Strategy I (Support development of regional economy) Help expand marketing channels and the Sixth Industrialization Jointly sponsored business forum with The Okinawa Kaiho Bank, LTD. and Koza Shinkin Bank in May 2013 (diagram (diagram Established a business alliance with MOKUMOKU in Col
Slide 23: Growth Strategy II
(Strengthen marketing capabilities in retail banking Growth Strategy II and fee businesses) Rigorously pursue strategy of encouraging customers to use the Bank of the Ryukyus as their principal bank Restructure assets in custody sales and marketing Opened Nanbu Loan Center Plus in Haebaru-cho in
Slide 24: About This Presentation
About This Presentation All enquiries regarding this presentation should be addressed to: Bank of the Ryukyus,Limited General Planning Department Telephone: +81-98-860-3787 Fax: +81-98-862-3672 E-mail: ryugin@ryugin.co.jp The information in this presentation is on a non-consolidated basis unless oth