Slide 1: 2018263 ABH
| 2018263 ABH tab CS RORS ARINZSAL FL &. ie BQ [J a JU] += A D)L—-TD 2017#11H98
Slide 2: AAOWNEA
AAOWNEA 1. B2G+RRASMS Cia RIL RG LATER IRE pe SR 2. PRS st Bi Oes RRA BHI 3. S#BORZICDUT (RAHI BH i
Slide 3: RT ATRA I REPRO Sie 0-E RARE CBR ALBL
RT ATRA I REPRO Sie 82 0-E RARE CBR ALBL
Slide 4: REGTLTIAR
REGTLTIAR 1. EPS(k, FlzeaK: & CBAC 26%18O41.1F 2. GS RA BIS16%1BO15318A, SHwBelsss 3. INSGBRRIESC + EEOC KOZ NO Oe
Slide 5: ta SRt
ta SRt - EPS(tAt( CPR, BEI L26%18 Cat 61.45 FES » Se Alm(t16%IS, SHAR A421 %1S CBs Cat Hh bien OlOl MARU! GROUP. 1723A#A | 18423A88 SB20U-F HA | SS20U+FHH | ButeIt | BIT | stm EP S(FX) 32.6 41.1 126 +8.5 +1.4 > = 3s fF % fF) f8F) FP) — FREES 9262 1 0468 113 +1206 -57 50_LIMes 1162 1146 99 -16 -29 50
Slide 6: VILY KBIFBSOIR OlO!
VILY KBIFBSOIR OlO! /|\ SEBS (LQHAS OCHS, HIE - tH CbICLES D4 VV OBR Day CUIORPR C10 iOmm 17#3AHA | 184388 SR20U-"HA | S820U-FHA | ayett | artes | Hm f8FA fer % f8F] f3F4 \7EBSe 24 28 114 +3 +3 D4 VIy OBE 128 146 114 +18 +6 #4t + AA A20 A20 — AO AO iia 132 153 116 +21 +8
Slide 7: NDBVAY— hOKR
NDBVAY— hOKR OlOl MARU! GROUP. -Beialeld, Daye voOoL]y hOMAT, 2298 A801 : BFF AAd280(8 FS, Bate bit BRCRSIOVMOK 173 AR 179A tik (F (Fy (er Sz 4888 5116 +229 SAFES 3482 3682 +200 (te RBb) (643) (757) (+114) S280 1406 1435 +29 Bese 2478 2460 -18 ARF 4343 4623 +280 [SSAttele(%) Xx] [88.9] [90.4] [+1.5]
Slide 8: tev t1-I70O-OWR
tev t1-I70O-OWR : BS Onl chk < BiB C/F id. SODA AAS C/F id, BRBEOTEMMLICLOAAF AO cial OlOl MARU! GROUP. 17358 | 18435]. ssomess | some | Ue A A Erin BESS typyl4a-70- +80 +140 +60 asipiZ A A120 A50 +70 Stas, RAAMESORMAE +145 ¥34| Aiit #BFervy>4-7oO- +25 Ai5 A40 BAlteaeoisnl +499 +279 A220 ACSBOSIA A2
Slide 9: 2018463AHA jHHARGRL
2018463AHA jHHARGRL OlOl MARU! GROUP. » EPS(491.4FO14%I8, ROEIL7.6%, ROICIL3.1%E RIAD 1743754 18423558 wa —— EP S(F) 80.2 91.4 114 +11.2 RO E(%) 6.7 7.6 = +0.9 ROI C(%) 3.1 3.1 = +0.0 Ys (8F9 Js 89 % 14 F)L—-FRRRS 1 9337 2 2040 114 +2703 FeLi as 2370 2455 104 +85 Fe Lae Rllas 1660 1770 107 +110 [75
Slide 10: 20187F3 AFA VOX> ball Fl ee RA ei L
20187F3 AFA VOX> ball Fl ee RA ei L OlOl MARU! GROUP. » 1863 ABA Sate OO. SSB (AHI LIZ %1EO881ER, D4 VF OFRS11MIEO3 018A Se RIAD 173 AHA 183 AHA BISELL AE f8FA SFA % f8F] \ SEB 78 88 113 +10 D4 VI VOB 271. 301 111 +30 #tt AA A36 N39 = A3 iia 313 350 112 +37
Slide 11: PREV TCO LAI
PREV TCO LAI OlOl MARU! GROUP. » Pac S(t2AtSacO18A, FRACS haARMO37ACPe » HALOS A OR HAR Ril, FRICISORAEPE e1tktSC ORE (PIE) is0Cti«i1928 1449 02614) 15F 11.3 15.3 16.3 17.3 18.3 [ac Stt] 30. ——— —— OL [EtttRE UY] 15018 «35018 20018 150183 [EPS] 58.99 70.78 80.2 91.4 10
Slide 12: PRA Sat BOs
5 PRA Sat BOs RAMEE He
Slide 13: 1. SC HMbtaRlEL. ARABI TO
im 1. SC HMbtaRlEL. ARABI TO 2. ECRIRmtHRRORMOOSS LIRR 3. LHAD— RFP RAN GMRGS Sew 4. MMAD—KSAMS2 Bi Cat HAREORAY 12
Slide 14: |\ BY OS FERS
|\ BY OS FERS OlOl MARU! GROUP. ERLICH SMANEC. RAEI TST LMROIARBOHVINCKO FZ WED SS HSE (1) 42 rn _| INAS 7°59 NA-b Ree +18 @ sss Behl a 28/87 244 tiAkeo Ts LMR =H TE fatt ILE ae MALS 16.9 17.9 13
Slide 15: OSC » ERMLOHH GEIR OlO!
OSC » ERMLOHH GEIR OlO! SC -ER(EILEFBA74%, FAR CIS84%E CITT ORIBL » Fleeces (SERRA SSAC. PEO (Cie MEIC + FRB OST CHE A (SERA A) TEAC an 84% Fg aA 188 91% (BIE) 98 20/8 27/85 QB AS = WW1a-PyT Palas e==24-| —_. 601 FA Set) 7 Offa 7I(6* 8) 15.3 16.3 17.3 17.9183 193 20.3 21.3 XOERMCRE = TERME / EMRE (2
Slide 16: QERGRAOIR OlO!
QERGRAOIR OlO! SC ER (tOmisiia(CtO (CHEMI LER alt >FHAISH ESE CIBZKAETED’, FFHAIS11I%M CMB TS RiAY BAER O tHE SC ERMCES— HAVA — dy GENIN T ICS A > 6% | HI~3% || 15.3 16.3 17.3. 17.9 18.3 19.3 20, 31 bt <RRERBC (t> eh Rw - FREEBIES MEARE, —BNICTAY h S42 RMU CSE) 15
Slide 17: OtARBOIWR Q'o!
OtARBOIWR Q'o! SC EMEOEICLOHARBORE ME CLEB RABE (SNS + ASN ARK, Mbt COE eT LAS hb tat ELAR BIOTLEMRICKS Brea aX Stlmee (BIZ) 165 16F 175 JME « 2KASIS, thoracic ko SROF MWB WARS, Bae PE >) 20181 A140 (Char E -IKPIG 2018 (CHEE (F5UBX 16/8 2018463 A BASS 2 EBA (Cat Lb) 16
Slide 18: PFIV—/NSLVRZOBEL OlO!
PFIV—/NSLVRZOBEL OlO! »SC + EH (COE (CLORR - C-E ADEA 3A CIA »AFIU-NSYTAORBUCKORRME : SAFER CBCHR BATIU-NSV ADAM eMFiShike AE eEh BIC (%) om ‘ [PINLIL] : 100 cord a 33% ak [ake - t-E2] 14.3 17.9 15.3 16.3 17:3. 1741Q 7H 8A 9A 17
Slide 19: ECHUIMSHERE OlO!
ECHUIMSHERE OlO! * KDDISKCOMRICH O FFRAOR Re (t1O58A (BIIL+ 7%) & ISAC L, 18463 A RA(L240(8F (BIEL + 13%) RIAD m ECHR OBIE HATS sao BKDDISHE OBO (HP) BUSELE resem) +13% 7 -Rikis 5.248P3 0 ft mm ha ea -_ (HRS Ota 5%) »QLADLID FV RL AS Bl r.* eestH15/8A a ERD AIM 10.5 ddd 23 1335 14:3 1593 16:3 47:3 1
Slide 20: yELDIILEy KEUBSHES O!Ol
33 yELDIILEy KEUBSHES O!Ol *TRAD— RORACEBAL), IAIOFHMOMRMS (ASK, LIK A iER EBA \CREEK HS gL SavervyIIL2y RR BIEES 1 461508 ((8F9) SFIS GRS (+16%) +18% py CRP 15000 7 EPR +24% 10000 —! 5000 _E+4 HA 765718 (+16%) 073 O83 09:35 103 113 123 133 143 153 i163 I73 7.9 19
Slide 21: Bate ie miets
Bate ie miets OlOl MARU! GROUP. *VSEvEVIILE yb (RHE) OMAICKO, BSSACUEC KOR ER OMA, BBs (LOM CHD 560018F) a SSD SHS dl (8) E-D#IBA TSO tlle PRE it 5000 Rane +13% pan] 200643 IMRAD— BRAT 4000 1406 E-29 2911 3000 | $5) penls-- saae- pane ono ee. TT 116/85 ete (+14%) 2! fit Pa Erd EA 0 063 07:33 083 09.
Slide 22: D4 Fy DEEP OlO!
D4 Fy DEEP OlO! - 20084F3 ARAL. SSeFRS (FIBRE CPRL, 153A RAL ES $B HA30~40/(SFISm. 183A HH 30RAIEMO RAY EEF lamikts ov BRA30~40(8 Hist +308 (301483) (4ERP iB) +4065 == 1 350 +3065 2198 +4585 150 — FHA 146/85 O73 08.3 09.3 10.3 iis 12.3 13.3 14.3 153 16.3 17.3 179 21
Slide 23: Fl SSRRHES OlO!
Fl SSRRHES OlO! » File sat teen 20173 AAS (dim) L at ORES S IAG al m Fl GRR BAERS (18) 124 100 50 06.3 18:3 (Fil) 22
Slide 24: SESS : SD — KABHOUH EAE
SESS : SD — KABHOUH EAE OlOl MARU! GROUP. » 18S )L-1 AS eEIC8OA A BOPMEARNaatHs SH, SLA EE COAR MRS EICKO, 2B RAED RIAYH EPMA AAOwRS aA) 21 Ae ee ee ,-0-F- 60 40 20 ! 0 SOBA » 70H A 80AABeHH » 07.3 125 173 18:3
Slide 25: PMA — RERMOATBNEORE
PMA — RERMOATBNEORE OlOl MARU! GROUP. HMA RSROSAILA eA CUVVEHH i CORIIDE X hy »SC + ELC CBRS MMA — KAAS ROMROMAD Re BMA AMO Sa Tea ES tBRZOLA CSRORIEY aA) 2 SC ERULICES RR - D-EROMACE BRS AREAOMMBDATD 60 (BI SHOOtA, ies) 40 <SRORMI A> » DRAD— MeHORIELP ABRA + HEROIC BS ARO’? (V75 + EB ie RIE 20 13.3
Slide 26: SHOREICDUNT ~Baxowe kc OMBEMERTH
SHOREICDUNT ~Baxowe kc OMBEMERTH TORAH BH IS
Slide 27: S@ORBITDUT
S@ORBITDUT OlOl MARU! GROUP. KRARORSKCOMGACBEAT (1) SC-abse T ROBBIE ? (2) BAVILVT [THAICKSHED< 0] OB FENOREES ? (3) LHAD—KORBRRILWOE Ti< OD ? (4) DPI FYIV IT VIW—PA LV OEE ? (5) FEAR RICAUSERAD ERIS ? (6) ESGHRBANOMIEE ? 26
Slide 28: 3. SRORZICDWT
3. SRORZICDWT (1) SC-EMa(tse TROBE ? 27
Slide 29: SC + EAMLICKSEHAKL DY ROSH
SC + EAMLICKSEHAKL DY ROSH OlOl MARU! GROUP. » SCILEADEDRAET/LORBITCKOD KX IIe - MAT. SRIFECILADOMIBDATSTHSTEC, RHAKL DV KICKS STEP1 EIDS5 IA STEP2 EC(EN Ost SC - ta(t HAA Sate HEA STB So AR -
Slide 30: HETNRECND SOHO
HETNRECND SOHO ECIEADHIBCUT. ECEHPERS SAR > ALOFVRLAKVS HLFEL, mam [ARO] COST KHENStO > EVRRSEOR PEAT, RR--ER | AUT <K UBD OlOl MARU! GROUP.
Slide 31: 3. SRORZICDWT
3. SRORZICDWT (2) BBVILT [HAC KSED< 0] ORFENORMS ? 30
Slide 32: SQVIL1 [HAITKSED<O)
SQVIL1 [HAITKSED<O) OlOl MARU! GROUP. SLL TSBBSKECOHAICKLO,. BABORBR(CEREL, TNTCOBBSEICHM UES VALDES << OER HSCKECORMMBICLS HE——-ADEE HSCERHSH DN15000A. 6OOEI FE 35 ABE OEREME MB: Eps SNTOBESEN, LIDCbWE CBHKS5NS JED< Oe BEB LEN XRG BAVILT BRAY IVT 207% 30m 40m% 50m 60nme Oi 80ime 73 ARARIS (AARBILLR
Slide 33: HaCKSSABOREE
HaCKSSABOREE OlOl MARU! GROUP. [HACKS < O) HEI CRRERPSTCECEM - RRMA Sah CHS S KRG Bik eR ALFENIL-1, SRR BT. ReVIL-41, 1S. BPRS Hji——-RZORA PS ARSORKR IC!) (st Sew -A SiS C EARSORREIL] AF MIC LIER RB eS Seale 130 RM (%) Sebati —» Skit 17.3 17.1 17.2Q 17.10 mw AYRSaU Le 125 wee (%) Pees lart | 102 . -
Slide 34: 3. SRORZICDWT
3. SRORZICDWT (3) LHAD—KORBRMEILWOE Tiit< OD? 33
Slide 35: THRAA—RKABORIE OlOl
THRAA—RKABORIE OlOl 29m A FORA ORAISEROFRALC, RAKELORAL » LARD TW (F25%(CML, SHTCIALIMXFULAILAS) eD—KABS Etter within TT (30m FOSB) (174 3 AEA) eo <IMmAA-—kK> <D— RRARES ©) 1828S 27 (See + PASI + 1S) 40m ~ 48% 40m ~ 74% e200) 7a 1#2RT Ty 6% 25% xX1IM2ReSeose ry 11% $4,
Slide 36: IRAN KSBROREPH (3ORLE) OlO!
IRAN KSBROREPH (3ORLE) OlO! MARU! GROUP. -18~39ROMAD SML TSH. TKRAD-RSROLV IV UHBAC CBRL). SEMLSR1OFLY FILA 818~39RFSEBROT ER (BITLOFO FRE + 4% Cit) BAR 18% ~39%% AT —— Se TVTUA® (YLV30%) ee IT UA® (YLP25%) VTUADO (YLV20%) — 2015 2028 2033 2038 XAOBSAET IS. NTRERIS + ORR LO RHEE 35
Slide 37: ABRSHN—KSBROMAICMIT OlO!
ABRSHN—KSBROMAICMIT OlO! ‘SH COSBSggA(cMatc, EC: DVT VARS EOBESAITEHEYD VOB COIS CHE wm RSA EIS OBL » ECHPS COE DVT UY RERORE FERRE EORE a7 —>XBeORMMAY $RRP-K = ASH Tago te = VISA } (17469 AT habe) SR OBMRK/ SR - ISS TM&© TOHO CO., LTD. FLERR - Bik - BNP - PITILYIR BORA fess (CMTC PATE. SEH <ta> » V
Slide 38: 3. SRORZICDWT
OlOl MARU! GROUP. 3. SRORZICDWT (4) DPIF YIP YVII—PAa LV OeIlS ? 37
Slide 39: SPH F Vee ILD av -txcopseen ClO!
SPH F Vee ILD av -txcopseen ClO! Financial Inclusion BeeAbe LIETXK COM BaD —-EAS
Slide 40: SPH F Vee ILD av -txcopseen ClO!
SPH F Vee ILD av -txcopseen ClO! Financial Inclusion BaeeRDELIETXK COM Bato —-EA@
Slide 41: IPIFLVI VILL IL—-La VOREH OlO!
IPIFLVI VILL IL—-La VOREH OlO! -FO-IULRIA KRY KID-DAREOMRICKO, TKRAD-KE WUC. EBNEAOSSieHPRAD—-ERXZaEOMR— bh mis ORVAY ens fi EER Be RE aS — SBI ae RE LUSIL -177105R HAW HASH O>y hD—- ROR » HRD — RTA = Skee (ay Fee 1A 5#8 7A XE BNE ASH240B AC, BAEC AICIZFRIE CL. 216 (AR 40
Slide 42: 3. SRORZICDWT
3. SRORZICDWT (5) MECRRICAI RAD EIS ? 41
Slide 43: SRICISAS ICME : THRBEAOKRS
SRICISAS ICME : THRBEAOKRS OlOl MARU! GROUP. + PRBS )L— TF BROMIRIC OAM SPA CTVB + VCADIE BS Rit XBRL )L—-PRADI KEL RAC Cheb CHES BCnE CORBA OQ) eeor ray x Laxus DAR? K-41 JL ENYIOLYIW - SIP TkAN—KBRORA-—ADSBEOIC VIP UYILR-AODBEOTHIGATS HBATS : GeNESIAVENTURES wy SCRUMVENTURES BAF SI )LELARD S Vembe
Slide 44: ANICTA MRICS IIL :
ANICTA MRICS IIL : AMMADHEE OlOl MARU! GROUP. RHEE LCA, HICAMOBR - RAAOKRS @ htt we MAO BaA EOKh 1.787 HEY s—-s 0.8/8 THE - NEB 1.7487 f2Aest 6.7189 Att 140% (183A SARL) m EAH <CMA (liz) > REA ORE ibs MCR Re BNC LEBRIOIDL (104 T2008) --tAFRORMZDS Ct, PEPHBSeas <PRRSHESAD »DL-JPFOSBORE (CLD CBE LRS S
Slide 45: 3. SRORZICDWT
3. SRORZICDWT (6) ESGRANOWEE ? 44
Slide 46: ESGDENEY OlO!
ESGDENEY OlO! -DATTEUT41HE (ESG) OF -VE [AVAL Varv) (CRE UAL Va V eH TK COZF—-IRILI—O [LSND ) Hes w SANSA > 2016410R ESGHHESDFEL > [ESGT—9DY7)] OFT. HERES At HHA O RE -D)—FRM POV ILOKC, ERS - SRADHECHHAD BESGEIBOABEMM (187F3A HA) GPIFDNBE SS 3 DDOESGHBEK THAN SH Bk Biete Qo? 2017 Con ser =) MSCI “|
Slide 47: MARUI GROUP
OlOl MARU! GROUP. MARU! GROUP AGE (CHRMLCHOKRTIROPF RICHES Sitimlt, BSHONREAFUT SIRRUGENCHSE HTT S—EORIEICBOUWICS)O, BROS (dR REBRICKOKE< BRSAREMSORT. SMUANIt, I R#B 03-5343-0075(C TBH < ESL.