Financial Sector: Q3 FY2013 Results from             Japanese Banks
Corporate and Individual Loans
Loans/Deposits: MUFJ & Mizuho•    Individual loans       •                               Mizuho has 65.3Tn    (other than ...
Banking Slides: MUFJ•    Domestic                •                                Domestic/Overseas    Deposit/Lending Rat...
MUFJ: Growing Overseas lending by 50% to 18Tn JPY•     India and Korea are 18%       •                                    ...
Sumitomo Trust Looks for Higher Returns by Investing   in Foreign Assets and Alternative Investments
Sumitomo Mitsui Trust Holdings•    Government bonds are          •                                      Custody and Pensio...
Asia Expansion in a Quest for Higher      Loan Margins Overseas
MUFJ: Holdings of Investment       Securities and Asia Strategy•    Holdings of investment   •                            ...
Asia Strategy: Competing with        Foreign banks like HSBC•    3rd position in China   •                                ...
Aozora: Recent Change in Ownership•    12% of loans are            •                                    50% of securities ...
Consumer Finance•    ACOM has managed to       •                                  Looking at Retail:    increase market sh...
Consumer Finance•    ACOM has managed to       •                                  Looking at Retail:    increase market sh...
Investment Banking: Sales & Trading
Sumitomo Mitsui Trust & Shinsei•    Increased holdings of      •                                   Shinsei increasing    J...
Sumitomo Mitsui Financial•    Overseas deposit                                •                                    Oversea...
Shinsei•    Shinsei has a higher   •                               Growth in housing    net interest margin…       loans, ...
Consumer Finance
Consumer Finance : Competition       Increasing and margins decreasing•    Approval rates are          •                  ...
Tokyo Star Bank•    83% of domestic        •                               2.1Tn in loans, of    bond holdings were       ...
Retail Business: MUFJ
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recent q3 results from japanese banks

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Banking slides audiologiks

  1. 1. Financial Sector: Q3 FY2013 Results from Japanese Banks
  2. 2. Corporate and Individual Loans
  3. 3. Loans/Deposits: MUFJ & Mizuho• Individual loans • Mizuho has 65.3Tn (other than housing) Yen of loans, hasn’t would be in the 2.2 increased overseas Trillion Others lending as rapidly as section MUFJ• Unsecured lending and guarantees would be approx. half.
  4. 4. Banking Slides: MUFJ• Domestic • Domestic/Overseas Deposit/Lending Rates Lending• Low Interest Rate • Overseas corporate environment lending is 33% of corporate loans• MUFJ and other banks make higher margin on individual loans over corporate loans
  5. 5. MUFJ: Growing Overseas lending by 50% to 18Tn JPY• India and Korea are 18% • Customer business gross combined profits• ASEAN presumably is • From H2 FY09 (3 years), Thailand, Indonesia, and non-Japanese profits ratio Singapore just rose from 54.1% to 58.7% but Investment• Greater China is HK and Banking profit doubled, China which are very Loan profits up by 50%, different, and percentage Deposit profits up by over of foreign lending is lower 2x in China
  6. 6. Sumitomo Trust Looks for Higher Returns by Investing in Foreign Assets and Alternative Investments
  7. 7. Sumitomo Mitsui Trust Holdings• Government bonds are • Custody and Pension 50% of available securities business large but assets under management flat• Real estate lending expanding, focusing on • Global Markets and Retail individuals and REITS Financial services are #1 and #2 drivers of gross• 20% of AUM is due to profits, but global markets Nikko Asset management is #1 in net profits
  8. 8. Asia Expansion in a Quest for Higher Loan Margins Overseas
  9. 9. MUFJ: Holdings of Investment Securities and Asia Strategy• Holdings of investment • Asia Strategy (2) securities – 93% are • In Asia Developed bonds Markets like HK,• 60% of total is Australia, and Singapore, government bonds high percentage of foreign lending• Another 27% is foreign bonds • India and Korea also stand out for high rate of MNC focused lending
  10. 10. Asia Strategy: Competing with Foreign banks like HSBC• 3rd position in China • Retail strategy in behind HSBC and Citi Japan focused on• 2nd behind HSBC In private banking, Korea wealth management and mass affluent advisory
  11. 11. Aozora: Recent Change in Ownership• 12% of loans are • 50% of securities in overseas, relatively flat JGBs, with another 30% in foreign bonds, and• Reflecting former 15% in other owners, Cerberus, over investments 25% were LBO loans • Very different portfolio mix compared to large Japanese banks
  12. 12. Consumer Finance• ACOM has managed to • Looking at Retail: increase market share revolving Credit Balance from 19.0% to 32% in 3 Increasing, Card Loan years while unsecured products sales increasing loans have declined 40% almost 8x in 3 years• Guarantee business • Yet Retail is only the 4th growing priority on the basic• BTMU BANQUIC strategy slide
  13. 13. Consumer Finance• ACOM has managed to • Looking at Retail: increase market share revolving Credit Balance from 19.0% to 32% in 3 Increasing, Card Loan years while unsecured products sales increasing loans have declined 40% almost 8x in 3 years• Guarantee business • Yet Retail is only the 4th growing priority on the basic• BTMU BANQUIC strategy slide
  14. 14. Investment Banking: Sales & Trading
  15. 15. Sumitomo Mitsui Trust & Shinsei• Increased holdings of • Shinsei increasing JGBs while MUFJ lowered customers in LAKE there holdings consumer finance business, but• Overall increase in JPY cannibalizing existing bonds 20% customers, as overall• Increased holdings of US number of consumer Treasuries as a hedge? finance customers decline• Reduced cross- • Loosening approval shareholdings standards?
  16. 16. Sumitomo Mitsui Financial• Overseas deposit • Overseas loan balance balance but likely growing by over 50% in 3 institutional, not retail years• Almost 20% of net • Growth in guarantee income is due to business replacing Consumer Finance and individual guarantees by Credit Cards family or friends, driven by changes in society• While the same risk evaluation is used to drive the guarantee business
  17. 17. Shinsei• Shinsei has a higher • Growth in housing net interest margin… loans, and balance because its by 20% in overall investments carry loan balance higher risk?
  18. 18. Consumer Finance
  19. 19. Consumer Finance : Competition Increasing and margins decreasing• Approval rates are • Loan guarantee business increasing growing while consumer loans decreasing• New customer growth flat so lending more to existing customers?• But overall loan balance has decreasing in 2 years
  20. 20. Tokyo Star Bank• 83% of domestic • 2.1Tn in loans, of bond holdings were which almost 90% to JGBs, while 16% individuals were corporate • Of 1.4Tn of bonds securities, almost• Increased JGB bond 70% in foreign holdings by 30% in 3 government bonds months to Dec 2012
  21. 21. Retail Business: MUFJ
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