Credit Saison Co., Ltd. · TSE:8253
Credit Saison — FY2005 3Q Earnings Presentation
10 slides from Credit Saison's earnings presentation, 2005
Slide 1: CREDIT SAISON CO.,LTD.
CREDIT SAISON CO.,LTD.
Slide 2: Business Highlights
Business Highlights CREDIT SAISON Consolidated ・ ・ ・ Business Results ( ) Consolidated Non-Consolidated 04.12 179.2bil. 106% 141.8bil. 108% Operating Revenue 198.0bil. 110% 153.8bil. 108% 05.12 04.12 44.0bil. 110% 35.8bil. 107% Ordinary Income 05.12 55.6bil. 126 39.0bil. 109% 04.12 25.0bil 104% 21.7
Slide 3: Contribution to Consolidated Results
Contribution to Consolidated Results Consolidated Trends Contribution to Consolidated Results (Units: Billion yen; times) Main consolidated subsidiaries Contribution '05.12 '05 to ordinary (target) income Ordinary income 64.0 Saison Fundex G 55.6 Saison Fundex (loans & mortgag securities) House Plan
Slide 4: Volume of New Contracts
Volume of New Contracts YOY Change(%) % of Total YOY Change (%) % of Total YOY Change (%) % of Total
Slide 5: Installment Accounts Receivable
Installment Accounts Receivable YOY Change (%) Increase/Decrease from 2004/3 Change form 2004/3 (%) \ \ Increase/Decrease from 2004/3 Change form 2004/3 (%)
Slide 6: Operating Revenue
Operating Revenue YOY Change (%) % of Total YOY Change (%) % of Total YOY Change (%) % of Total YOY Change (%) YOY Change (%) YOY Change (%)
Slide 7: YOY Change (%) YOY Change (%) % of Total
YOY Change (%) % of Total YOY Change (%)
Slide 8: YOY Change (%) % of Total YOY Change (%)
YOY Change (%) % of Total YOY Change (%) % of Total YOY Change (%) \
Slide 9: Trends in Delinquent Loans Credit Cost
Trends in Delinquent Loans Cash Tolal Shopping CORPORATE STRATEGY 2003 CREDIT SAISON CO., LTD. Credit Cost / 100 million Write-off Write-off 395 448 Net increase in allowance for bad dept 282 Revised number Revised number 373 38 363 38 17 16 59 283 33 45 214 412 438 410 325 33 311 346 314 341 249 23
Slide 10: Interest Rate Structure of Assets and Liabilities
Interest Rate Structure of Assets and Liabilities