Appendix
Deposits and Loans Appendix Deposits (ending balance) Loans (ending balance) (Unit: million yen) (Unit: million yen) March-end March-end March-end March-end March-end March-end March-end March-end March-end March-end 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 Corporate deposits 817,514 852,381 897,550 940,577 957,260 Corporate sector 1,796,820 1,793,112 1,837,194 2,023,492 2,038,320 JPY liquid 531,742 559,677 607,132 637,719 652,847 Large companies 670,007 615,873 597,913 701,520 706,445 Medium-sized JPY time 280,270 286,610 284,375 296,595 296,535 67,247 65,736 70,576 68,607 76,523 companies Foreign currency 5,501 6,093 6,043 6,261 7,877 Small and medium- 1,059,565 1,111,502 1,168,705 1,253,364 1,255,350 sized companies Individual deposits 3,489,272 3,551,239 3,647,772 3,741,707 3,821,661 Individual sector 845,213 909,265 1,014,861 1,188,146 1,378,725 JPY liquid 1,685,030 1,798,213 1,900,053 2,000,289 2,122,226 Public corporations 245,149 238,333 249,991 230,114 214,004 JPY time 1,790,090 1,736,663 1,728,979 1,720,154 1,680,890 Governments 2,862 1,491 120 0 0 Foreign currency 14,150 16,362 18,739 21,263 18,544 Other 242,287 236,841 249,870 230,114 214,004 Public funds deposits 108,116 112,305 145,611 165,245 129,009 Total loans 2,887,184 2,940,712 3,102,047 3,441,753 3,631,051 JPY liquid 84,164 81,376 110,241 126,707 104,235 (except those for 2,884,322 2,939,220 3,101,926 3,441,753 3,631,051 governments) JPY time 23,952 30,928 35,370 38,537 24,774 (Offshore account) 0 0 0 0 0 Foreign currency 0 0 0 0 0 Consumer loans 826,295 891,264 997,845 1,172,255 1,363,812 Other 38,046 36,054 31,961 35,456 42,955 Housing loans 784,465 848,167 952,761 1,125,634 1,315,068 Total deposits 4,452,949 4,551,980 4,722,896 4,882,986 4,950,887 Other loans 41,830 43,097 45,084 46,621 48,744 Deposits in Mie 4,051,769 4,133,334 4,298,018 4,427,746 4,485,538 Prefecture* Loans in Mie 1,559,710 1,590,550 1,647,928 1,688,946 1,732,337 Deposits outside Mie Prefecture* 401,180 418,645 424,877 455,239 465,348 Prefecture Loans outside Mie 1,327,473 1,350,161 1,454,118 1,752,807 1,898,713 Tokyo and Osaka 13,621 13,276 9,518 11,169 18,396 Prefecture Tokyo and Aichi Prefecture 387,559 405,368 415,358 444,069 446,952 637,053 590,938 606,232 733,660 710,896 Osaka Negotiable certificates of 202,311 179,465 187,500 182,115 160,490 Aichi Prefecture 690,419 759,223 847,885 1,019,146 1,187,816 deposit * Deposits in Mie Prefecture and Loans in Mie Prefecture include Shingu. 39
Deposits (including negotiable certificates of deposit) , Depository Assets Appendix Mie Aichi Depository assets, amount Hyakugo Securities (after excluding the Bank’s brokerage) Total deposits Tokyo and Osaka of contracts acquired Prefecture Prefecture Financial Investment (average balance) Insurance 51,023 instruments brokerage trusts (including Hyakugo Securities) 300 (Unit: 100 million yen) 49,929 (Unit: million yen) 139,258 267 48,141 120,334 118,602 235 4,982 46,961 4,973 46,584 260 113,264 60,034 345 99,583 4,644 48,298 42,138 4,497 4,255 49,718 33,138 20,418 22,632 27,995 14,484 24,685 45,740 24,753 44,687 6,072 18,026 43,261 42,204 10,809 41,983 10,476 44,321 42,384 31,378 30,951 28,317 FY 3/19 FY 3/17 FY 3/18 FY 3/19 FY 3/20 FY 3/16 FY 3/17 FY 3/18 FY 3/20 FY 3/16 Mie Aichi Corporate deposits Individual Mie Aichi Tokyo and Osaka Tokyo and Osaka Prefecture (average balance) Prefecture deposits Prefecture Prefecture 37,846 10,539 (average balance) (Unit: 100 million yen) 10,244 275 21 36,979 244 (Unit: 100 million yen) 20 9,764 36,056 2,835 212 20 9,455 2,043 35,161 2,688 34,841 2,025 9,010 233 20 2,548 21 271 1,929 2,471 2,478 1,892 1,657 34,989 34,271 8,220 33,487 7,974 32,668 32,341 7,621 7,330 7,081 FY 3/19 FY 3/16 FY 3/16 FY 3/17 FY 3/18 FY 3/20 FY 3/17 FY 3/18 FY 3/19 FY 3/20 40
Loans Appendix Mie Aichi 35,297 Total loans Prefecture Prefecture (average balance) 32,462 Tokyo and Osaka 7,257 (Unit: 100 million yen) Loans to small and 29,848 Mie Prefecture Aichi Prefecture 6,691 29,058 medium-sized companies Tokyo and Osaka 28,387 5,874 (average balance) 12,474 6,081 (Unit: 100 million yen) 6,211 10,987 1,977 11,994 9,272 11,285 7,931 1,835 10,761 7,254 1,562 3,324 10,191 6,691 1,399 3,124 1,216 2,950 2,731 2,471 17,052 7,172 16,499 16,043 15,722 15,484 7,033 6,771 6,630 6,503 FY 3/17 FY 3/18 FY 3/17 FY 3/18 FY 3/16 FY 3/19 FY 3/20 FY 3/16 FY 3/19 FY 3/20 12,164 12,643 Consumer loans Mie Prefecture Housing loans Mie Prefecture (average balance) (average balance) Aichi Prefecture Aichi Prefecture 10,258 10,716 (Unit: 100 million yen) (Unit: 100 million yen) 9,350 5,997 8,570 5,912 8,908 7,923 4,584 8,146 4,514 7,509 3,576 3,024 3,518 2,543 2,978 2,505 6,645 6,131 6,252 5,774 5,743 5,545 5,390 5,379 5,167 5,004 FY 3/17 FY 3/19 FY 3/17 FY 3/18 FY 3/16 FY 3/18 FY 3/20 FY 3/16 FY 3/19 FY 3/20 41
Risk-monitored Loans Appendix Change in risk-monitored loans (Unit: 100 million yen) <Reference> 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 Year-on-year Risk-monitored loans End of March 2020 614 602 518 517 541 24 balance (total) Nonperforming loan Risk-monitored loan ratio 2.12% 2.05% 1.67% 1.50% 1.49% (0.01)P ratio: 1.48% Risk-monitored loan ratio by region Loan balance and risk-monitored loan ratio by major industry FY 3/18 FY 3/19 FY 3/20 Line graph: Risk-monitored loan ratio (%) Tokyo 0.00% 0.00% 0.00% Bar graph: Loan balance (100 million yen) 4.20 Osaka 0.00% 0.00% 0.00% 4.15 Aichi Prefecture 0.86% 0.80% 0.81% 4.13 Mie Prefecture 2.70% 2.57% 2.56% 17,323 2.12 1.28 2.56 0.81 11,878 0.02 0.00 0.81 0.00 0.00 4,780 3,758 5,825 3,049 2,718 2,088 1,237 1,099 1,239 1,283 Manufacturing Construction Transportation Postal Wholesaling Retailing Finance Insurance Real estate Goods leasing welfare Medical and Tokyo Osaka Prefecture Aichi Mie Prefecture local National and Public bodies 42
Integrated Risk Management Appendix Risk is kept within an appropriate range according to the Bank’s operating capabilities based on integrated risk management. Compared to core capital of 233.8 billion yen and allocable capital of 140.9 billion yen, actual amount of risk is 77.9 billion yen. (Unit: 100 million yen) Method of measuring risk Method of Confidence Holding Risk buffer measurement interval period 929 Credit risk (including market-related credit VaR 99% One year exposure) VaR* 99% Six months Cross-shareholdings Market risk Three Investment rates, portfolio Unallocated capital 43 VaR 99% investment, investment trusts months Credit risk Core capital 190 Operational risk The standardized approach 2,338 * Amount of risk of cross-shareholdings is measured after taking into consideration unrealized gains or losses (valuation gains (losses) minus the VaR-equivalent value) Allocable Capital Market risk 1,409 Credit risk 1,098 114 Market risk 77.9 billion yen 586 Operational risk 79 Operational risk 79 Risk capital Allocable Unallocated End of March 2020 resources capital 233.8 billion Actual risk amount yen 140.9 billion yen 136.6 billion yen 77.9 billion yen : Capital not allocated to risk limits in the case of * Risk buffer emergencies (equivalent to 4% of equity ratio) : Unused portion of allocable capital * Unallocated capital 43
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