Yokohama Financial Group, Inc. · TSE:7186

Yokohama Financial — FY2014 Earnings Presentation

32 slides from Yokohama Financial's earnings presentation, 2015

  1. Slide 1: Information Meeting

    * Bankof Yokohama Information Meeting fsa ERT

  2. Slide 2:  (1)  (2) (3) (4) (5) (6) (1) (7) (2) (8) 捗 (3)

     (1)  (2) (3) (4) (5) (6) (1) (7) (2) (8) 捗 (3) (4) (5) (1) (6) (2) (7) (3) (8) (4) 1

  3. Slide 3: Slide 3

  4. Slide 4: Results highlights

     2,044 +13 2  422 +49  253 5 12.3% 0.4%  +3.2% +2.9% +51.2% +22.3% 2.5%  4,086 +18.6% OHR 40  36 OHR 49.1%  106 +91 763 +157  ROE 8.3% +1.2% ROE 7.3% +0.2%  13 2 3 1 225 +75 3 50 50.8%

  5. Slide 5: REVIC

     100 +25  15 4      REVIC  14 10 15 4 5 16 4

  6. Slide 6: Slide 6

  7. Slide 7:  +2.5% 96,204 +2.0% +0.9%  +2.8% 116,160 +2.9% +4.3%

     +2.5% 96,204 +2.0% +0.9%  +2.8% 116,160 +2.9% +4.3% 2

  8. Slide 8: Loans and deposits

     +3.2% +2.0% 48,021  +1.5% 30,527  +6.9% 18,183 18,000 +6.9 17,000 16,000 18,183 15,000 16,995 15,757 14,000 13,000 12 13 14 + +

  9. Slide 9:  +47.1% +16.7% +22.3%  2.0  +10.6% 2.0 92 44 25 0 12

     +47.1% +16.7% +22.3% 465  2.0 92  +10.6% 354 100 2.0 50 92 44 25 0 12 13 14 370 354 +10.6 350 330 320 310 299 291 290 270 250 12/3 13/3 14/3 15/3 /

  10. Slide 10: Loans by segment

     +2.9% 48,183  +18.6% 4,086  +9.7% 14,887 46,957 0.3 +2.9 48,183 46,780 2 0.1 +0.5 14,887 15,000 13,559 +9.7% 13,146 +3.1% 0.3 +2.9 4,161 4,161 4,116 10,000 1,298 1,127 1,195 +5.2% 1,215 1,219 5.3% 1,154 1,568 1,324 +6.8% 1,415 +10.8% 5,000 5,314 +6.8% 5,677 +17.0% 6,643 0 13/3 14/3 15/3 /

  11. Slide 11:  33.2 +0.3% 23.6 0.1% /

     15 3 33.2 +0.3% 23.6 0.1% /

  12. Slide 12: RORA

     1.37 11bp  RORA 0.37% +8bp RORA 0.40 0.37 0.35 0.29 0.30 0.24 0.25 0.20 0.16 0.15 0.10 12/3 13/3 14/3 15/3 /

  13. Slide 13:  +49 +13.1%  24.7% +1.8%    27.0 24.7 22.9 22.0 20.0

     +49 +13.1% 422  24.7% +1.8%    27.0 24.7 22.9 22.0 20.0 22% 17.0 12 13 14

  14. Slide 14:  +17.9% 7,884  +3.4% 21,403 20.0 19.0 18.0 TT

     +17.9% 7,884  +3.4% 21,403 20.0 19.0 18.0 TT

  15. Slide 15: RORA

     +2,983 5,811 4 350  978 6 30 RORA 0.782% RORA +0.36% 12.7 13.5 12.5 12.3 13.0 400 12.5 12.0 11.5 300 11.0 10.5 10.0 200 9.5 350 9.0 254 258 253 8.5 100 8.0 105 87 7.5 0 7.0 12 13 14 Ti er1 3,000 2,500 2,000 1,500 1,000 500 0 13/3 14/3 15/3 /

  16. Slide 16: Slide 16

  17. Slide 17:  +13 +0.6% 2,044  +88 +14.9%  +91 +157 +25.7%

     +13 +0.6% 2,044  118 +88 +14.9% 675  +91 +157 +25.7% 763

  18. Slide 18:  2,044 +13  +26 2,070 2,044 2,070 2,023 2,031

     2,044 +13 2  15 +26 2,070 2,044 2,070 2,023 2,031

  19. Slide 19: Expenses and OHR

     +36 +3.7% 1,004  15 14 +16 1,020 OHR 49.2% OHR % 55.0 OHR 1,200 49.1 49.2 50.0 47.6 47.6 1,004 1,020 45.0 1,000 964 968 62 70 56 54 40.0 35.0 800 30.0 600 25.0 20.0 400 15.0 445 457 10.0 200 402 422 5.0 0 0.0 12 13 14 15

  20. Slide 20:  +8 2,079  9,419  1,007 3,000 88.3 3.0 17,500 85.7 87.3 87.4

     +8 2,079  586 9,419  198 1,007 3,000 88.3 3.0 17,500 85.7 87.3 87.4 90.0 2.2 2.2 2.1 2.0 80.0 15,000 2.0 11,021 70.0 12,500 9,978 10,005 2,500 9,419 60.0 1.0 10,000 50.0 7,500 40.0 2,105 2,117 2,071 2,079 0.0 30.0 5,000 20.0 2,000 ‐1.0 2,500 10.0 589 475 437 0 0.0 530 ‐2.0 / 12/3 13/3 14/3 15/3

  21. Slide 21:   5.1% 58.1 0.16 0.15 0.13 0.10 0.05 125 0.007 0 120 77

     118 7  5.1% 58.1 0.16 200 0.15 180 0.13 151 0.10 160 140 0.05 125 0.007 0 120 77 0.00 100 59 80 (0.05) 10 60 80.0 (0.10) 63.2 58.1 40 60.0 54.1 73 46.3 65 36.6 37.9 38.5 37.1 (0.15) 40.0 20 27.1 7 18.7 19.0 19.8 0 20.0 2 0 (0.20) 0.0 12 13 14 15 10/3 11/3 12/3 13/3 14/3 15/3 /

  22. Slide 22: ROE

     118 +88 +14.9% 675  +157 +25.7% 763  ROE 8.3%(+1.2% ) ROE 7.3% 13 8.3 8.5 8.0 7.1 7.5 6.8 763 7.0 720 6.5 690 6.0 675 5.5 5.0 587 606 4.5 553 4.0 533 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0  ‐0.5 118 ‐1.0 ‐1.5 19 ‐2.0 ‐2.5 +15 ‐3.0 ‐3.5 ‐4.0  ‐4.5 106 ‐5.0 +91

  23. Slide 23: Tier1 capital

     Tier1 12.28  13 2 3 1 225 +75 3 50% 50.8% Tier1 13.99 13.37 388 13.29 400 12.29 12.56 305 295 11.57 300 12.28 11.97 11.28 185 200 100 0 8,478 7,545 7,909 Tier1

  24. Slide 24: 捗  

    捗  7 6 

  25. Slide 25: Slide 25

  26. Slide 26:    +25     8,000 +15 6,000 4,000 6,314 5,463

      15 4  100 +25  15 4 15 5 1    8,000 +15 6,000 4,000 6,314 5,463 4,689 2,000 13 14 15

  27. Slide 27:   +20 3,000 2,500 3,156 辻 2,000 2,620 2,385 1,500 200 548 168

      +20 3,000 2,500 3,156 辻 2,000 2,620 2,385 1,500 13 14 15 200 548 168 442 150 95 100 180 50 25 0 0 13/ 13/ 14/ 14/

  28. Slide 28:           

              

  29. Slide 29:   20.5% 56.8% 22.8% / +51.2 1,000 491 250 12 13 14

      20.5% 50 56.8% 22.8% 20 49 / +51.2 1,000 750 998 500 660 491 250 12 13 14

  30. Slide 30:              

                    

  31. Slide 31: Slide 31

  32. Slide 32: Bank of Yokohama

    Afresh atic. 625L%. Bankof Yokohama

Yokohama Financial Group — FY2014 Earnings Presentation on 6ix