Seven Bank, Ltd. · TSE:8410
Seven Bank — FY2010 Earnings Presentation
16 slides from Seven Bank's earnings presentation, May 2011
Slide 1: Financial Results for the Fiscal 2010
Ｑｑｑｑ Financial Financial Results Results for for the the Fiscal Fiscal 2010 2010 Ｍａｙ 2011 Ｑｑｑｑ Seven Bank, Ltd.
Slide 2: Contents
Ｑ ｑｑｑ Highlights Page Highlights Page11 Financial FinancialPosition Position 88 Impact ImpactofofGreat GreatEast EastJapan JapanEarthquake Earthquake 22 Major MajorInitiatives Initiatives 99 Income Incomestatement statement 33 Strength StrengthATM ATMbusiness business 10 10 Factor Factoranalysis ana
Slide 3: Highlights
Highlights Highlights FY10 Financial Results ◆ATM installations and transactions with deposit-taking financial institutions increased steadily. Revenue and profits declined, however, due to the significant impact of the decline in transactions with non-banks and revision of terms to business. ◆Thoug
Slide 4: Impact of Great East Japan Earthquake (March 11, 2011)
Impact Impact of of Great Great East East Japan Japan Earthquake Earthquake (March (March11, 11,2011) 2011) 1.1.Year Yearon onYear YearTotal TotalTransactions Transactions(vs. (vs.2010) 2010) (%) 1–10 Mar. 11–20 Mar. 21–31 Mar. March April Japan 100.3 90.1 97.7 96.2 103.9 Disaster-stricken areas (Iw
Slide 5: Income statement
Income Income statement statement (Unit ： Billion y en） FY09 FY10 Actual results FY11 Plan Actual Reviced full Changes Full year Changes H1 Changes from FY09 from FY10 from FY10 results year plan results results H1 results Ordinary income 88.8 85.2 83.9 -4.9 86.8 2.9 43.7 0.6 ATM-related fee income
Slide 6: Year on year factor analysis of ATM-related fee income
Year Year on on year year factor factor analysis analysis of of ATM-related ATM-related fee fee income income （bn. yen） ＜ Half-year trend ＞ ＜ Full year trend ＞ Increase Increase in in revenues revenues due due to to 7.5 FY10 FY11 FY10 FY11 actual forcast actual forcast increase in total number incre
Slide 7: Steady increase in number of ATMs
Steady Steady increase increase in in number number of of ATMs ATMs Trends Trendsininnumber numberofofATMs ATMs （No. of ATMs ) 18,000 Approx. No. of ATMs installed outside 7&i Group(left scale) 16,300 16,000 15,363 14,601 740 14,000 13,803 616 13,032 482 12,088 354 12,000 10,000 8,000 13,985 14,623
Slide 8: ATM usage and ATM-related fee income
ATM ATM usage usage and and ATM-related ATM-related fee fee income income ATM-related ATM-relatedfee feeincome income (yen) 180.5 165.3 180 158.0 147.9 160 135.3 131.2 140 ATM-related fee income per transaction 120 (transactions 1,000 ATM ATM usage usage 114.3 114.4 /ATM /day) 900 (million 109.0 112
Slide 9: Status of Accounts
Status Status of of Accounts Accounts Seven SevenBank Bankdeposits deposits(individual) (individual) Personal Personalloan loanservices services （Number of accounts （Balances, Billion yen） ・Pursueinitiatives initiativestotodevelop developnew unit = 1,000） 1,000 ・Pursue new 250 customers, customers,
Slide 10: Financial position as of March 31, 2011
Financial Financial position position as as of of March March 31, 31, 2011 2011 Balance BalanceSheet Sheet （Unit : Billion yen） Ordinary deposits： 171.8 bn yen Cash placed in our ATMs Term deposits： 140.6 bn yen Increase following increase in number Deposits （ Individuals ） of ATMs 212.3（ +82.6） 2nd
Slide 11: Major Initiatives
Major Major Initiatives Initiatives Strengthen ATM Business Expand ATM network and widen customer base Develop Financial Create Services Business New Business Full-scale rollout of individual loan and Open overseas ATMs international money and offer banking transfer services agency services Over the
Slide 12: Strengthen ATM Business
Strengthen Strengthen ATM ATM Business Business Expand ExpandATM ATMnetwork networkand andwiden widencustomer customerbase base Aim to steadily increase transactions by raising awareness of “close and convenient” ATM network, and by actively expanding installations ■Widen ■Widencustomer customerbase
Slide 13: Develop Financial Services Business
Develop Develop Financial Financial Services Services Business Business Develop Developfinancial financialservices servicesbusiness business Aim to diversify revenues by expanding range of convenient financial services using our well-developed ATM network Revenues from Account services ■Develop （mn
Slide 14: Develop Financial Services Business: International money transfer services
Develop Develop Financial Financial Services Services Business Business International Internationalmoney moneytransfer transferservices services Service benefits and fees ・OnMarch ・On March22,22,2011, 2011,launched launchedservices services ・24/7, 365 availability Transfer Transfer charge initially
Slide 15: Dividend policy
Dividend Dividend policy policy Policy Policy Seven SevenBank Bankaims aimstotomaintain maintainaastable stabledividend dividendpayout, payout,targeting targetingaaminimum minimum payout ratio of 35% through semiannual payments (interim and year-end). payout ratio of 35% through semiannual payments
Slide 16: Initiatives to Conserve Energy and Support Rebuilding Efforts
Initiatives Initiatives to to Conserve Conserve Energy Energy and and Support Support Rebuilding Rebuilding Efforts Efforts Rebuilding Rebuildingsupport support Energy Energyconservation conservation ■Cash ■Major ■MajorInitiatives ■Cashdonations donations Initiatives ・ATM-related ・TheBank ・The Banki