Business overview （Non-Consolidated ,JGAAP）
Financial Highlights(Non-Consolidated)
（unit：million yen）
| 2019.3 | 2020.3 | 2021.3 | 2022.3 | 2023.3 | |
|---|---|---|---|---|---|
| Core Gross Business Income | 27,466 | 27,638 | 28,256 | 29,944 | 29,669 |
| Expenses | 20,622 | 20,423 | 19,955 | 20,392 | 20,514 |
| Core Net Business Income | 6,843 | 7,214 | 8,300 | 9,551 | 9,154 |
| Ordinary income | 41,531 | 42,260 | 38,401 | 38,263 | 47,937 |
| Ordinary profit | 7,623 | 7,571 | 7,874 | 8,594 | 7,577 |
| Net income | 5,363 | 5,056 | 5,009 | 5,339 | 4,886 |
Financial Data(Non-Consolidated)
（unit：million yen）
| 2019.3 | 2020.3 | 2021.3 | 2022.3 | 2023.3 | |
|---|---|---|---|---|---|
| Assets | 2,598,474 | 2,646,756 | 2,757,008 | 2,880,931 | 2,877,613 |
| Loans to Small and Midsize Companies | 1,247,274 | 1,269,501 | 1,314,659 | 1,374,466 | 1,425,594 |
| Housing Loans | 468,238 | 470,608 | 491,474 | 517,037 | 524,759 |
| Liabilities | 2,476,624 | 2,527,296 | 2,610,500 | 2,752,721 | 2,757,093 |
| Deposits | 2,396,073 | 2,442,583 | 2,487,472 | 2,580,384 | 2,625,153 |
| Deposits for individual customers | 1,301,246 | 1,325,121 | 1,401,969 | 1,453,400 | 1,470,722 |
| Net Assets | 121,849 | 119,460 | 146,507 | 128,209 | 120,519 |
Management Indices(Non-Consolidated)
| 2019.3 | 2020.3 | 2021.3 | 2022.3 | 2023.3 | |
|---|---|---|---|---|---|
| Core OHR | 75.54% | 72.77% | 71.03% | 69.10% | 72.85% |
| ROE | 4.42% | 4.19% | 3.76% | 3.88% | 3.92% |
| Capital Adequacy Ratio | 8.06% | 7.78% | 7.92% | 7.80% | 7.73% |
Nonperforming Loan (non-consolidated)
（unit：million yen）
| 2019.3 | 2020.3 | 2021.3 | 2022.3 | 2023.3 | |
|---|---|---|---|---|---|
| Disclosed Loans under FRL | 35,646 | 37,502 | 34,780 | 32,382 | 34,167 |
| Coverage ratio | 84.70% | 80.11% | 81.19% | 85.58% | 85.08% |
| Disclosed Loans Ratio under FRL | 2.11% | 2.16% | 1.94% | 1.73% | 1.74% |
FRL : the Financial Reconstruction Law
