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Financial Results for the First Quarter of FY2016 (Question & Answer)

Q1Please give an overview of Mizuho's financial results for the first quarter of fiscal 2016.

A1

  • Profit Attributable to Owners of Parent was JPY 132.6Bn, 51% progress against the earnings estimate of JPY 260.0Bn for 1H FY2016 and 22% progress against the earnings estimate of JPY 600.0Bn for FY2016.
  • Consolidated Net Business Profits increased by JPY 15.0Bn YoY to JPY 203.0Bn, mainly due to the slight decrease in Customer Groups under uncertain business environment, while Gains on Sales related to Bonds in Trading built up.

For more details, please refer to Overview of Income Statement.

Q3Please explain the overview of Mizuho's loans.

A3

  • Average domestic loan balance for the first quarter of fiscal 2016 of MHBK + MHTB, excluding loans to the Japanese Government, decreased by JPY 0.4 trillion from the first quarter of fiscal 2015, and JPY 1.3 trillion from the second half of fiscal 2015 to JPY 50.2 trillion.
  • Domestic Loan and Deposit Rate Margin of MHBK + MHTB decreased to 0.95% from the second half of fiscal 2015 due to the decrease in Returns on Loans and Bills Discounted.
  • Average overseas loan balance for the first quarter of fiscal 2016 of MHBK increased by USD 18.6 billion from the first quarter of fiscal 2015 and USD 2.7 billion from the second half of fiscal 2015 to USD 201.8 billion.

For more details, please refer to Overview of Loans.

Q4Please explain the overview of Mizuho's Non–interest Income.

A4

  • Non–interest Income from Customer Groups for the first quarter of fiscal 2016 of Group aggregate was JPY 194.0 billion.

For more details, please refer to Non–interest Income.

Q5Please explain Mizuho's financial soundness.

A5

  • Balance of Disclosed Claims under the Financial Reconstruction Act of MHBK + MHTB remained flat at JPY 0.82 trillion from March 2016.
  • Non–Performing Loan ratio of MHBK + MHTB was 1.03%.
  • Credit–related Costs of MHBK + MHTB recorded a reversal of JPY5.5 billion.
  • JGB balance of MHBK + MHTB decreased from March 2016 to 10.5 trillion.
  • Consolidated Japanese Stock Portfolio decreased from March 2016 to JPY 1,832.9 billion.
  • Consolidated Unrealized Gains (Losses) on Other Securities decreased from March 2016 to JPY 1,680.9 billion.

For more details, please refer to Financial Soundness (1) and Financial Soundness (2).

Q6Please explain Mizuho's Capital Ratio.

A6

  • Total Capital Ratio and Common Equity Tier 1 Capital Ratio (CET 1 Ratio) were 15.04% and 10.73% respectively as of June 30, 2016.

For more details, please refer to Capital Ratio as of June 30, 2016 (PDF/16KB)PDF.

Other Financial Information (Question & Answer)

Q1Where can I find Mizuho's quarterly results?

A1

Please see Financial Statements on this website for our quarterly results.

Q3What are the current credit ratings of primary companies of Mizuho?

A3

Please see Rating and Bond Information on this website for the current credit ratings of primary companies of Mizuho.

Disclaimer about Forward–looking Statements and Definitions

This presentation contains statements that constitute forward–looking statements within the meaning of the United States Private Securities Litigation Reform Act of 1995, including estimates, forecasts, targets and plans. Such forward–looking statements do not represent any guarantee by management of future performance.

In many cases, but not all, we use such words as "aim," "anticipate," "believe," "endeavor," "estimate," "expect," "intend," "may," "plan," "probability," "project," "risk," "seek," "should," "strive," "target" and similar expressions in relation to us or our management to identify forward–looking statements. You can also identify forward–looking statements by discussions of strategy, plans or intentions. These statements reflect our current views with respect to future events and are subject to risks, uncertainties and assumptions.

We may not be successful in implementing our business strategies, and management may fail to achieve its targets, for a wide range of possible reasons, including, without limitation: incurrence of significant credit–related costs; declines in the value of our securities portfolio; changes in interest rates; foreign currency fluctuations; decrease in the market liquidity of our assets; revised assumptions or other changes related to our pension plans; a decline in our deferred tax assets; the effect of financial transactions entered into for hedging and other similar purposes; failure to maintain required capital adequacy ratio levels; downgrades in our credit ratings; our ability to avoid reputational harm; our ability to implement our Medium–term Business Plan, realize the synergy effects of "One MIZUHO," and implement other strategic initiatives and measures effectively; the effectiveness of our operational, legal and other risk management policies; the effect of changes in general economic conditions in Japan and elsewhere; and changes to applicable laws and regulations.

Further information regarding factors that could affect our financial condition and results of operations is included in "Item 3.D. Key Information—Risk Factors" and "Item 5. Operating and Financial Review and Prospects" in our most recent Form 20–F filed with the U.S. Securities and Exchange Commission ("SEC") and our report on Form 6–K furnished to the SEC on January 26, 2016, both of which are available in the Financial Information section of our web page at www.mizuho-fg.co.jp/english/ and also at the SEC’s web site at www.sec.gov.

We do not intend to update our forward–looking statements. We are under no obligation, and disclaim any obligation, to update or alter our forward–looking statements, whether as a result of new information, future events or otherwise, except as may be required by the rules of the Tokyo Stock Exchange.

MHFG is a specified business company under "Cabinet Office Ordinance on Disclosure of Corporate Information, etc." Article 17–15 clause 2 and prepares the interim consolidated and interim non–consolidated financial statements in the second quarter.

  • Definition
    • MHBK + MHTB: Simple aggregate figures for Mizuho Bank (MHBK) and Mizuho Trust & Banking (MHTB) on a non–consolidated basis
    • Figures of MHBK up to 1Q FY2013 are simple aggregates of former Mizuho Bank and former Mizuho Corporate Bank

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