SBI Shinsei Bank, Limited · TSE:8303
SBI Shinsei Bank — Shinsei Bank — Investor Presentation (March 2013)
20 slides from SBI Shinsei Bank's investor presentation, Mar 18, 2013
Slide 1: Second Medium-Term Management Plan (FY2013-FY2015)
Second Medium-Term Management Plan (FY2013-FY2015) Shinsei Bank, Limited March 18, 2013
Slide 2: Table of Contents
Table of Contents Second Medium-Term Management Plan Overview ------------------------ P3 Financial Projections ---------------------------------------------------------------- P6 Individual Business Basic Strategy ----------------------------------------------- P7 Individual Business Strate
Slide 3: Second Medium-Term Management Plan Overview: Positioning
Second Medium-Term Management Plan Overview: Positioning Under the present MTMP1, based upon the assessment and reflection of past issues, we are focusing on the basic concepts of “rebuilding the customer franchise” and “establishing a stabilized earnings base” as we work to rebuild and normalize
Slide 4: Second Medium-Term Management Plan Overview: Basic Strategy
Second Medium-Term Management Plan Overview: Basic Strategy Individual Business: To implement a new retail banking model to grow our core customer base to 5 million Institutional Business: To strengthen and utilize expertise to support the growth of companies, industries and regions by working t
Slide 5: Second Medium-Term Management Plan Overview: Goals/Targets
Second Medium-Term Management Plan Overview: Goals/Targets Goals Establish a unique business base Increase revenues and further improve financial fundamentals Become a financial group appreciated by customers and valued by society/markets As a financial institution with public funds we recog
Slide 6: Financial Projections
Financial Projections (Consolidated, JPY billion) Total Revenues Net interest income is projected to increase due to increase in quality assets across divisions and lower funding costs due to the maturity of past campaign rate retail term deposits Non interest income is projected to increase due t
Slide 7: Individual Business Basic Strategy
Individual Business Basic Strategy Implement a new retail banking model to grow core customer base to 5 million Enhance customer base across the Shinsei Expand and develop Bank Group the loan business Expand core customer base by providing Expand mortgage products that better meet services leve
Slide 8: Individual Business Strategy: Core Customers
Individual Business Strategy: Core Customers Aim to double the number of core customers that are able to freely use the Shinsei Bank Group’s companies products and services that fit their needs from the present level of 2.5 million to 5 million by March 31, 2016 Expand core customer base by Individ
Slide 9: Individual Business Strategy: Retail Deposits
Individual Business Strategy: Retail Deposits (Consolidated, JPY billion) Retail deposits continue to be the funding engine of the Shinsei Bank Group Actively expand funding through retail deposits in line with the growth in assets Retail Deposit Balance Target Retail Deposits Strategy While leve
Slide 10: Individual Business Strategy: Housing Loans
Individual Business Strategy: Housing Loans (Consolidated, JPY billion) Aim to continue to expand housing loan balance Focus on the expansion of mortgage products that better take into consideration customer needs without engaging in price competition Housing Loan Balance Target Housing Loan Strat
Slide 11: Individual Business Strategy: Consumer Finance
Individual Business Strategy: Consumer Finance (Consolidated, JPY billion) Aim to grow the consumer finance loan balance at an annual rate of about 10% by actively focusing on the bank card loan market in addition to the existing focus on the traditional consumer finance market Expand focus into b
Slide 12: Institutional Business Basic Strategy
Institutional Business Basic Strategy Strengthen and utilize expertise to support the growth of companies, industries and regions by working together with customers Provide Functions from a Further Strengthen Areas of Expertise Shinsei Bank Group Wide Perspective Reconfigure the real estate portf
Slide 13: Institutional Business Strategy: Institutional Business
Institutional Business Strategy: Institutional Business (Consolidated, JPY billion) Increase loans to the corporate sector by strengthening the institutional business organization and expanding our customer base by working together with customers to resolve any issues Acquire and cultivate relat
Slide 14: Institutional Business Strategy: Specialty Finance
Institutional Business Strategy: Specialty Finance (Consolidated, JPY billion) Expand project finance in Japan and overseas leveraging extensive experience and high level of financial knowhow in structured finance Expand leveraged finance and M&A finance that meets market needs Specialty Finance
Slide 15: Institutional Business Strategy: Real Estate Finance
Institutional Business Strategy: Real Estate Finance While the balance of non-recourse finance is expected to stay largely flat due to the reconfiguration of the real estate portfolio, the other real estate finance loan balance is expected to grow Real Estate Finance Balance Target Real Estate Fin
Slide 16: Institutional Business Strategy: Financial Institutions Business
Institutional Business Strategy: Financial Institutions Business Promote business cooperation and wider range of transactions by providing multifaceted functions to financial institutions Establish a revenue base and promote business alliances through a strong network with financial institutions
Slide 17: Capital Policy
Capital Policy Aim for a common equity Tier I ratio of 7.5% (fully-loaded basis) under Basel III international standards Basic dividend policy is to pay fiscal year end common stock dividend of 1 yen per share Common Equity Tier I Ratio Target Capital Policy 2012.12 2016.3 Aim for a common equi
Slide 18: Management Infrastructure Initiative
Management Infrastructure Initiative Management infrastructure that will support the Second MTMP1 ¾ Risk Management: Strengthen risk-taking capability, upgrade risk management framework and further deepen risk culture ¾ IT System: Build a robust and stable system the operates smoothly Risk Managem
Slide 19: Shinsei Bank Group Organization
Shinsei Bank Group Organization As of March 1, 2013 Individual Business Institutional Business (Institutional (Individual Group) Group, Global Markets Group) Consumer Finance Sub-Group Retail Banking Sub-Group Institutional Group Global Markets Group Shinsei Bank Card Loan Lake Retail Deposits Corpo
Slide 20: Disclaimer
Disclaimer The above description of Shinsei’s medium-term plan contains forward-looking statements regarding the intent, belief and current expectations of our management with respect to our financial condition and future results of operations. These statements reflect our current views with respe