Credit Saison Co., Ltd. · TSE:8253
Credit Saison — H1 2006 Earnings Presentation
44 slides from Credit Saison's earnings presentation, Nov 20, 2006
Slide 1: Credit Saison Co., Ltd. Corporate Strategy 2007
2006.11.20 CREDIT SAISON CO., LTD. CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
Slide 2: Agenda
AGENDA . . . CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 1
Slide 3: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 2
Slide 4: Contents
CONTENTS CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 3
Slide 5: CM SEIBU KDDI THE CARD
CM SEIBU KDDI THE CARD cannael VIORO 1:3 431,000 .COM CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 4
Slide 6: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
( ) 05 1,278 (109%) 1,000 (108%) 06 1,656 (129%) 1,318 (131%) 05 350 (125%) 249 (109%) 06 431 (123%) 293 (117%) 05 207 (130%) 147 (103%) 06 58 ( ) 62 ( ) CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 5
Slide 7: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
1,047 1,381 31.8% 277 296 7.1% 88 94 6.7% 12 13 12.5% 84 122 45.0% 39 68 73.1% 38 36 6.2% 15 14 8.5% 26 31 19.6% 13 30 134.0% 1,283 1,664 29.6% 356 422 18.6% (6) (7) - (20) (24) - 1,278 1,656 29.6% 336 398 18.6% CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 6
Slide 8: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
( ) 350 431 790 31 207 58 165 79 1.41 1.47 1.40 20.0 17.5 12 % % ( ) 3.2 2.8 431 293 138 1.8 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 7
Slide 9: UC
UC 3,290 2,680 10 2,164 2,746 1,902 2, 404 1,362 1,624 1,718 1,757 2,122 2, 203 1,164 1,232 1,468 866 887 974 1,069 1,120 378 318 129% 131% 1,053 1,083 1,172 1,318 1,656 852 870 928 1,000 1,278 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 8
Slide 10: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
565 790 711 40 507 10 470 443 450 565 529 262 510 319 258 210 241 361 239 241 285 282 44 81 117% 123% 233 229 249 269 280 211 293 247 350 431 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 79
Slide 11: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
422 122 94 318 215 268 271 224 243 258 226 160 93 121 116 124 60 50 158 207 180 153 131 142 147 156 143 122 -58 -62 -193 -246 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 810
Slide 12: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
90 3.0% 3.0% 2.80% 2.77% 2.8% 2.8% 2.6% 2.6% 2.41% 2.33% 2.4% 2.4% 2.48% 2.2% 2.36% 2.2% 2.25% 2.0% 2.0% 2.02% 2.04 1.8% 1.8% 1.47% 1.6% 1.6% 1.42% 1.4% 1.4% 1.2% 1.2% 1.0% 1.0% '02 '03 '04 '05 '06.9 '02 '03 '04 '05 '06.9 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 11
Slide 13: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
600 600 542 467 464 500 500 438 412 32 363 373 399 14 400 400 37 311 17 59 14 300 300 283 432 209 261 45 362 207 200 200 314 346 167 238 100 100 0 0 '02 ’03 '04 '05 '06 '02 ’03 '04 '05 '06 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 12
Slide 14: R&I A+ / S&P A- / Fitch A
R&I A+ S&P A ¯ Fitch A 21.9% 22.7% 19.9% 18.4% 22.7% 17.5% 16.5% 19.1% 23.1% 18.2% 11.4% 12.8% 9.1% 9.8% 9.2% 8.5% 5.4% 6.0% 6.6% 5.0% 5.3% 4.8% 0.7% 0.8% -2.5% -1.6% -2.1% -1.9% CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 13
Slide 15: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
68% 66% 64% 64% 63% 59% 57% 60% 59% 50% 13% 11% 15% 14% 12% 12% 16% 10% 13% 9% 19% 15% 9% 9% 8% 7% 7% 7% 6% 5% 15% 17% 16% 16% 17% 18% 19% 18% 17% 19% CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 14
Slide 16: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
70% 72% 68% 62% 62% 61% 61% 55% 62% 56% 57% 58% 49% 51% 46% CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 15
Slide 17: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
( ) 06 06 245 (176%) 420 (130%) 214 (183 ) 365 (135%) 2,416 137 2,485 +206 1,214 46 1,255 87 2 916 (151%) 4 4,300 140% ) 1 6,492 (148%) 3 5,600 140% ) 4,42 (162%) 8,700 140% CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 16
Slide 18: UC
UC 450 420 400 20 350 322 155 300 270 250 241 250 183 120 211 200 130 107 127 150 106 76% 1 245 100 150 104 114 139 50 120 0 '01 '02 '03 '04 '05 '06 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 17
Slide 19: MMC
MMC 400 365 350 25 300 271 128 230 250 186 209 200 150 120 154 94 111 95 % 212 100 181 110 92 98 117 50 0 '02 '03 '04 '05 '06 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 18
Slide 20: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
3,000 2,485 2,416 2,500 45 2,279 2,000 1,690 1,750 1,636 137 1,255 1,500 1,168 1,214 15 858 883 915 1,000 500 46 0 '04.9 '05.3 '05.9 '05 '06.9 '06 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 19
Slide 21: UC
UC 50,000 44,440 40,000 31,467 30,000 25,962 23,428 24,086 17,613 20,000 13,428 12,030 12,322 12,534 13,854 20,916 10,000 11,398 11,764 0 '02 '03 '04 '05 '06 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 20
Slide 22: UC MMC
UC MMC CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 21
Slide 23: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
10% 10,000 9,000 8,047 8,230 7,711 100 8,000 230 400 2,230 7,000 86 2,040 6,170 104% 5,918 1,784 6,000 400 400 300 300 1,435 300 5,000 1,376 4,000 300 300 250 105% 3,000 5,477 3,841 4,035 5,227 5,600 2,000 1,000 0 '05.3 '05.9 '06.3 '06.9 '06 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 22
Slide 24: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
18 10 13 409 356 54 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 23
Slide 25: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
56 56 57 5 58 58 59 59 60 60 / / / / CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 24
Slide 26: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
484 427 25 23 32 29 459 404 7 6 409 356 52 49 23 21 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 25
Slide 27: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 26
Slide 28: Contents
CONTENTS CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 27
Slide 29: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
US Bancorp Wells Fargo 1.5% 2.4% Citibank 12.0% Washington Mutual 12.3% Bank of Discover 2.7% America 7.4% 20.2% HSBC MBNA 3.7% 44.4% 6.8% Discover AMEX 6.0% JPMorgan Chase First USA 6.6% Capital One 19.0% 4.7% 7.3% First AMEX Chemical Chicago 9.8% Citigroup 2.9% Household 4.6% 15.1% 3.5% AT&T Chase
Slide 30: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
2000 2005 CS ( ) CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 29
Slide 31: NTT JR G CORPORATE STRATEGY 2007
CS JCB NTT F F UFJ DC JR G 22 OMC GE CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 30
Slide 32: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
89.2 87.5 85.7 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 31
Slide 33: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 32
Slide 34: UC LABI
LABI LABI UC , CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 33
Slide 35: UC M&A IT
UC M&A IT CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 34
Slide 36: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
7,600 6,000 620 19 320 180 130 30 50 22.4 33.4 34 50 40 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 35
Slide 37: Contents
CONTENTS CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 36
Slide 38: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
’06.3~10 ’06.11~ ,, CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 37
Slide 39: MMC iD
, MMC iD CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 38
Slide 40: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 39
Slide 41: EC / Net / .com
com EC Net .com CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 40
Slide 42: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 41
Slide 43: LABI
50.0 06/10 40.0 06/11 LABI CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 42
Slide 44: CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD.
( ) 8993 18 3 28 8774 18 10 24 CORPORATE STRATEGY 2007 CREDIT SAISON CO., LTD. 43