FY2021

FY2022

FY2023

FY2024

FY2025

Expense-to-revenue ratio

%

71.5

67.3

61.9

56.4

53.2

Return on Equity (Fully Diluted)

%

2.2

4.5

6.0

8.8

10.4

Return on Assets

%

0.2

0.4

0.4

0.5

0.5

Ratio of nonperforming claims classified under the Financial Revitalization Law to total claims (Nonconsolidated)

%

0.66

0.28

0.27

0.27

0.22

Consolidated capital ratio

(Basel III, Domestic Standard)

%

11.72

10.24

9.85

9.33

9.68

Common Equity Tier1 Ratio (International Standard; Fully Loaded Basis)

%

11.6

10.0

9.7

8.7

9.5

Note: Due to the change in segmentation, previous periods' figures have been adjusted to conform to the current period presentation.

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