I. Revenue and Expenses
(100 million yen)
| FY2010 | FY2011 | Change (B)－(A) | |||||
|---|---|---|---|---|---|---|---|
| 3 months Oct.- Dec |
9 months Apr.-Dec. (A) |
3 months Oct.- Dec. |
9 months Apr.-Dec. (B) |
Amount | % | ||
| Net revenue | 185 | 606 | 199 | 595 | -11 | -1.9% | |
| Net interest income | 107 | 342 | 110 | 342 | 0 | 0.1% | |
| Net interest margin | 0.89% | 0.95% | 1.02% | 1.05% | 0.10% | - | |
| Net fees and commissions | 21 | 74 | 20 | 63 | -11 | -15.3% | |
| Net trading revenues | 16 | 74 | 13 | 53 | -21 | -27.8% | |
| Gains/losses on bond transactions | 36 | 110 | 37 | 99 | -11 | -10.3% | |
| Net other ordinary income excluding gains/losses on bond transactions | 5 | 6 | 21 | 38 | 32 | 522.0% | |
| General & administrative expenses | -99 | -302 | -96 | -288 | 14 | -4.6% | |
| Business profit | 86 | 304 | 104 | 307 | 2 | 0.8% | |
| Ordinary profit | 43 | 196 | 90 | 295 | 99 | 50.3% | |
| Net income | 55 | 197 | 91 | 317 | 120 | 60.8% | |
| Credit-related expenses incl. recoveries of written-off claims |
-31 | -94 | -6 | 20 | 114 | - | |
| Taxes | 2 | -2 | 0 | 21 | 23 | - | |
II. Balance Sheet
(100 million yen)
| Mar. 31, 2011 (A) |
Dec. 31, 2011 (B) |
Change (B)－(A) | Sept. 30, 2011 |
|||
|---|---|---|---|---|---|---|
| Amount | % | |||||
| Total assets | 49,184 | 50,328 | 1,145 | 2.3% | 50,520 | |
| Loans and bills discounted | 27,296 | 26,667 | -629 | -2.3% | 27,016 | |
| Securities | 13,357 | 12,047 | -1,310 | -9.8% | 12,939 | |
| Cash and due from banks | 2,720 | 2,441 | -278 | -10.2% | 1,773 | |
| Others | 5,812 | 9,173 | 3,361 | 57.8% | 8,792 | |
| Total liabilities | 43,532 | 44,388 | 857 | 2.0% | 44,654 | |
| Deposits | 27,774 | 27,394 | -380 | -1.4% | 27,754 | |
| Negotiable certificates of deposit | 1,549 | 2,086 | 537 | 34.7% | 1,788 | |
| Debentures | 2,647 | 2,443 | -204 | -7.7% | 2,676 | |
| Bonds payable | 912 | - | -912 | - | - | |
| Others | 10,649 | 12,465 | 1,816 | 17.1% | 12,436 | |
| Total net assets | 5,652 | 5,940 | 288 | 5.1% | 5,866 | |
| Capital stock | 4,198 | 4,198 | - | - | 4,198 | |
| Capital surplus | 333 | 336 | 2 | 0.7% | 333 | |
| Retained earnings | 1,324 | 1,589 | 265 | 20.0% | 1,498 | |
| Valuation difference on available-for-sale securities | 18 | 46 | 28 | 157.4% | 66 | |
| Others | -221 | -229 | -8 | - | -229 | |
| Total liabilities and net assets | 49,184 | 50,328 | 1,145 | 2.3% | 50,520 | |
III. Disclosed Claims under the Financial Reconstruction Law (Non-consolidated)
(100 million yen,%)
| Mar. 31, 2011 (A) |
Dec. 31, 2011 (B) |
Change (B)－(A) |
Sept. 30, 2011 |
||
|---|---|---|---|---|---|
| Bankrupt and similar credit | 119 | 74 | -46 | 74 | |
| Doubtful credit | 804 | 950 | 147 | 527 | |
| Special attention credit | 352 | 281 | -71 | 324 | |
| FRL credit, total (a) | 1,275 | 1,305 | 30 | 925 | |
| Normal credit (b) | 26,443 | 25,916 | -528 | 26,716 | |
| Total credit (c) ((a)+(b)) | 27,718 | 27,220 | -498 | 27,641 | |
| FRL credit ratio (a)/(c) | 4.59% | 4.79% | 0.20% | 3.34% | |
IV. Capital Adequacy Ratio (Domestic standard)
To be released mid-February.
