Shimizu Bank, Ltd. · TSE:8364

Shimizu Bank — FY2015 Earnings Presentation

19 slides from Shimizu Bank's earnings presentation, 2016

Slide 1: Financial Results Briefing Materials, FY ended March 2016
ᐔᚑᐕ᦬ᦼ㧔ᐔᚑᐕᐲ㧕 ᳿▚⺑᣿⾗ᢱ ᩣᑼળ␠ ᷡ᳓㌁ⴕ
Slide 2: Contents
㨇⋡ᰴ㨉 Σ ᐔᚑᐕ᦬ᦼ㧔ᐔᚑᐕᐲ㧕᳿▚࠳ࠗࠫࠚࠬ࠻ ៊⋉ߩ⁁ᴫ න 㗍㊄࡮⾉಴㊄ߩ⁁ᴫ න ⚻༡ߩஜోᕈ න࡮ㅪ ᬺ❣੍ᗐ න࡮ㅪ Τ ᐔᚑᐕ᦬ᦼ㧔ᐔᚑᐕᐲ㧕᳿▚ߩ᭎ᴫ ៊⋉⁁ᴫ න࡮ㅪ ᬺോ⚐⋉ න ೑㕽 න ᦭ଔ⸽೛㑐ଥ៊⋉ න ᦭ଔ⸽೛ߩ⹏ଔ៊⋉ න࡮ㅪ ⥄Ꮖ⾗ᧄᲧ₸㧔࿖ౝၮḰ㧕 න࡮ㅪ 㧾㧻㧱 න Υ ⾉಴㊄╬ߩ⁁ᴫ ⥄Ꮖᩏቯ⚿ᨐߣ㐿␜ၮḰ೎ߩಽ㘃࡮଻ో⁁ᴫ න ࡝ࠬࠢ▤ℂௌᮭߩ⁁ᴫ න࡮ㅪ ⾉ୟᒁᒰ㊄╬ߩ⁁ᴫ න࡮ㅪ ࡝ࠬࠢ▤ℂௌᮭߦኻߔࠆᒁᒰ₸ න ㊄Ⲣౣ↢ᴺ㐿␜ௌᮭ න ㊄Ⲣౣ↢ᴺ㐿␜ௌᮭߩ଻ో⁁ᴫ න ᬺ⒳೎⾉಴⁁ᴫ╬ න 㗍㊄࡮⾉಴㊄ߩᱷ㜞 න
Slide 3: Summary of FY March 2016 Results: Income Status
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㸇䋮㩷 ᐔᚑ㪉㪏ᐕ㪊᦬ᦼ䋨ᐔᚑ㪉㪎ᐕᐲ䋩᳿▚䉻䉟䉳䉢䉴䊃㩷㩷 ٤Ⴧ෼Ⴧ⋉ ⚻Ᏹ෼⋉ߪ‫ޔ‬ం⊖ਁ౞㧔೨ᦼᲧ㧑Ⴧ㧕‫⚻ޔ‬Ᏹ೑⋉ߪ‫ޔ‬ం⊖ਁ౞㧔೨ᦼᲧ㧑 Ⴧ㧕‫ޔ‬ᒰᦼ⚐೑⋉ߪ‫ޔ‬ం⊖ਁ౞㧔೨ᦼᲧ㧑Ⴧ㧕ߣ‫߽ࠇߕ޿ޔ‬೨ᦼࠍ਄࿁ࠆ⚿ᨐߣ ߥࠅ߹ߒߚ‫ޕ‬ 㩷䋱䋮㩷 ៊⋉䈱⁁ᴫ㩷䇼ਥⷐ⸘ᢙ䋨න૕䋩䇽㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᦼ ᐕ᦬ᦼ ᐕ᦬ᦼᲧ ⚻Ᏹ෼⋉ ⚻Ᏹ೑⋉ ᒰᦼ⚐೑⋉ 䇼ᬺ
Slide 4: Ordinary profit and net income
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 䇼⚻Ᏹ೑⋉䊶ᒰᦼ⚐೑⋉䇽㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᦼ ᐕ᦬ᦼ ᐕ᦬ᦼᲧ ⥃ᤨ៊⋉ ٌ ٌ ߁ߜਇ⦟ௌᮭಣℂ㗵 ԙ ߁ߜᩣᑼ╬㑐ଥ៊⋉ ٌ ᩣᑼ╬ᄁළ⋉ ٌ ᩣᑼ╬ᄁළ៊ 㧙 ᩣᑼ╬ఘළ 㧙㧙㧙 ⚻Ᏹ೑⋉ ․೎៊⋉ ٌ ٌ ߁ߜ࿕ቯ⾗↥ಣಽ៊⋉ ٌ ٌ ߁ߜᷫ៊៊ᄬ ٌ ⒢ᒁ೨ᒰᦼ⚐೑⋉ ᴺੱ⒢╬ว⸘ ٌ ᒰᦼ⚐೑⋉ ਈା㑐ଥ⾌↪㧔Ԙ㧗ԙ㧕 ᳿▚⺑᣿⾗ᢱ
Slide 5: Deposits and Loans
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 䋲䋮㗍㊄䊶⾉಴㊄䈱⁁ᴫ 䇼㗍㊄䇽㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃᲧ ᐕ᦬ᧃᲧ 㗍㊄ᱷ㜞 ٌ 㧑 ٌ㧑⼑ᷰᕈ㗍㊄ᱷ㜞 ٌ ٌ ٌ㧑 ٌ㧑㗍㊄࡮⼑ᷰᕈ㗍㊄ᱷ㜞 ⸘ ٌ ٌ ٌ㧑 ٌ㧑㗍㊄ᐔᱷ ٌ ٌ㧑㧑⼑ᷰᕈ㗍㊄ᐔᱷ ٌ ٌ ٌ㧑 ٌ㧑㗍㊄࡮⼑ᷰᕈ㗍㊄ᐔᱷ ⸘ ٌ ٌ ٌ㧑 ٌ㧑㧔ਅᲑߪჇᷫ₸㧕䇼୘ੱ㗍䈎䉍⾗↥䇽㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃᲧ ᐕ᦬ᧃᲧ ୘ੱ㗍߆ࠅ⾗↥ ౞⽻㗍㊄ ٌ ٌ ᄖ⽻㗍㊄ ٌ ٌ ౏౒ௌ଻⼔㗍ࠅ ٌ ᛩ⾗ା⸤ ٌ ୘ੱᐕ㊄଻㒾╬ ᳿▚⺑᣿⾗ᢱ
Slide 6: Loans and Financial Reconstruction Act disclosed claims
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 䇼⾉಴㊄䇽㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃᲧ ᐕ᦬ᧃᲧ ⾉಴㊄ᱷ㜞㧑㧑 ߁ߜᶖ⾌⠪ࡠ࡯ࡦ 㧑㧑⾉಴㊄ᐔᱷ 㧑㧑 ߁ߜᶖ⾌⠪ࡠ࡯ࡦ 㧑㧑㧔ਅᲑߪჇᷫ₸㧕䇼㊄Ⲣౣ↢ᴺ㐿␜ௌᮭ䇽㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃᲧ ᐕ᦬ᧃᲧ ⎕↥ᦝ↢ௌᮭ෸߮ߎࠇࠄߦḰߕࠆௌᮭ ٌ ٌ ෂ㒾ௌᮭ ٌ ٌ ⷐ▤ℂௌᮭ ٌ ٌ ว⸘㧔#㧕 ٌ ٌ ✚ਈା $ Ყ₸㧔#㧕㧛㧔$㧕㧑 ٌ㧑 ٌ㧑㧑㧑ㇱಽ⋥ធఘළࠍታᣉߒߚ႐ว 㧑 ٌ㧑 ٌ㧑㧑㧑 ߩ✚ਈାߦභ߼ࠆᲧ₸ ᳿▚⺑᣿⾗ᢱ
Slide 7: Soundness of Management: Capital Adequacy Ratio
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 䋳㪅㩷 ⚻༡䈱ஜోᕈ㩷䇼⥄Ꮖ⾗ᧄᲧ₸䋨࿖ౝၮḰ䋩䇽㩷㨇 ㅪ⚿ 㨉㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃ 㧔ㅦႎ୯㧕 ᐕ᦬ᧃᲧ ᐕ᦬ᧃᲧ ⥄Ꮖ⾗ᧄᲧ₸ 㧑 ٌ㧑 ٌ㧑㧑㧑 ⥄Ꮖ⾗ᧄߩ㗵 ࡝ࠬࠢ࡮ࠕ࠮࠶࠻ߩ㗵 ✚ᚲⷐ⥄Ꮖ⾗ᧄ㗵㨇 න૕ 㨉㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᧃ ᐕ᦬ᧃ ᐕ᦬ᧃ 㧔ㅦႎ୯㧕 ᐕ᦬ᧃᲧ ᐕ᦬ᧃᲧ ⥄Ꮖ⾗ᧄᲧ₸ 㧑 ٌ㧑 ٌ㧑㧑㧑 ⥄Ꮖ⾗ᧄߩ㗵 ࡝ࠬࠢ࡮ࠕ࠮࠶࠻ߩ㗵 ✚ᚲⷐ⥄Ꮖ⾗ᧄ㗵 ᳿▚⺑᣿⾗ᢱ
Slide 8: Earnings Forecast
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 䋴䋮ᬺ❣੍ᗐ㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷 = ㅪ⚿ ? 㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᦼ㧔੍ᗐ㧕 ᐕ᦬ᦼ㧔ታ❣㧕 ㅢᦼჇᷫ₸ ╙྾ඨᦼ⚥⸘ ㅢᦼ㧔㧭㧕 ㅢᦼ㧔㧮㧕㧭㧙㧮㧛㧮 ⚻Ᏹ෼⋉ ٌ㧑 ⚻Ᏹ೑⋉ ٌ㧑 ⷫળ␠ᩣਥߦᏫዻߔࠆ ٌ㧑 ᒰᦼ㧔ਛ㑆㧕⚐೑⋉ = න૕ ? 㧔න૏㧦⊖ਁ౞㧕 ᐕ᦬ᦼ㧔੍ᗐ㧕 ᐕ᦬ᦼ㧔ታ❣㧕 ㅢᦼჇᷫ₸ ╙྾ඨᦼ⚥⸘ ㅢᦼ㧔㧭㧕 ㅢᦼ㧔㧮㧕㧭㧙㧮㧛㧮 ⚻Ᏹ෼⋉ ٌ㧑 ⚻Ᏹ೑⋉ ٌ㧑 ᒰᦼ㧔ਛ㑆㧕⚐೑⋉ ٌ㧑 ̪ᬺ❣੍ᗐߪ‫ޔ‬ᒰⴕ߇⃻࿷౉ᚻߒߡ޿ࠆᖱႎ෸߮วℂ⊛ߢ޽ࠆߣ್ᢿߔࠆ৻ቯߩ೨ឭߦၮ
Slide 9: Overview of FY March 2016 Results: Income Status
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㸈䋮㩷 ᐔᚑ㪉㪏ᐕ㪊᦬ᦼ䋨ᐔᚑ㪉㪎ᐕᐲ䋩᳿▚䈱᭎ᴫ㩷㧝 ៊⋉⁁ᴫ 㨇 න૕ 㨉㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᦼ 㪉㪎ᐕ㪊᦬ᦼ 㪉㪎ᐕ㪊᦬ᦼᲧ ᬺോ☻೑⋉ ٌ 㧔㒰ߊ࿖ௌ╬ௌ೛៊⋉㧕 ٌ ࿖ౝᬺോ☻೑⋉ 㧔㒰ߊ࿖ௌ╬ௌ೛៊⋉㧕 ٌ ⾗㊄೑⋉ ٌ ᓎോขᒁ╬೑⋉ ٌ ߘߩઁᬺോ೑⋉ 㧔߁ߜ࿖ௌ╬ௌ೛៊⋉㧕 ࿖㓙ᬺോ☻೑⋉ ٌ 㧔㒰ߊ࿖ௌ╬ௌ೛៊⋉㧕 ٌ ⾗㊄೑⋉ ᓎോขᒁ╬೑⋉ ߘߩઁᬺോ೑⋉ ٌ ٌ ٌ 㧔߁ߜ࿖ௌ╬ௌ೛៊⋉㧕 ⚻⾌㧔㒰ߊ⥃ᤨಣℂಽ㧕 ٌ ੱઙ⾌ ٌ ‛ઙ⾌ ٌ ⒢㊄ ᬺോ⚐⋉㧔৻⥸⾉ୟᒁᒰ㊄➅౉೨㧕㧔㒰ߊ࿖ௌ╬ௌ೛៊⋉㧕 ٌ Ԙ৻⥸⾉ୟᒁᒰ
Slide 10: Consolidated income statement
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷 = ㅪ⚿ ?㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᦼ 㪉㪎ᐕ㪊᦬ᦼ 㪉㪎ᐕ㪊᦬ᦼᲧ ㅪ⚿☻೑⋉ ⾗㊄೑⋉ ٌ ᓎോขᒁ╬೑⋉ ٌ ߘߩઁᬺോ೑⋉ ⚻⾌㧔㒰ߊ⥃ᤨಣℂಽ㧕 ٌ ⾉ୟఘළᒁᒰ⾌↪ ⾉಴㊄ఘළ 㧙 ୘೎⾉ୟᒁᒰ㊄➅౉㗵 ৻⥸⾉ୟᒁᒰ㊄➅౉㗵 ٌ ٌ ௌᮭᄁළ៊ ٌ ٌ ߘߩઁ ᩣᑼ╬㑐ଥ៊⋉ ٌ ߘߩઁ ⚻Ᏹ೑⋉ ․೎៊⋉ ٌ ٌ ⒢㊄╬⺞ᢛ೨ᒰᦼ⚐೑⋉ ٌ ᴺੱ⒢╬ว⸘ ٌ ᒰᦼ⚐೑⋉ ٌ 㕖ᡰ㈩ᩣਥߦᏫዻߔ
Slide 11: Net Business Income and Yields
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㧞㧚ᬺോ⚐⋉ 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷 = න૕ ? 㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᦼ 㪉㪎ᐕ㪊᦬ᦼ 㪉㪎ᐕ㪊᦬ᦼᲧ 㧔㧝㧕ᬺോ⚐⋉㧔৻⥸⾉ୟᒁᒰ㊄➅౉೨㧕 ⡯ຬ㧝ੱᒰࠅ㧔ජ౞㧕㧔㧞㧕ᬺോ⚐⋉ ⡯ຬ㧝ੱᒰࠅ㧔ජ౞㧕㧟㧚೑㕽㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷 = න૕ ? 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦㧑㧕㪉㪏ᐕ㪊᦬ᦼ 㪉㪎ᐕ㪊᦬ᦼ 㪉㪎ᐕ㪊᦬ᦼᲧ 㧔㧝㧕⾗㊄ㆇ↪೑࿁ 㧔㧭㧕 ٌ 㧔ࠗ㧕⾉಴㊄೑࿁ 㧔C㧕 ٌ 㧔ࡠ㧕 ᦭ଔ⸽೛೑
Slide 12: Valuation gains and losses on securities
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㧡᦭ଔ⸽೛ߩ⹏ଔ៊⋉ 㨇 න૕ 㨉㧔න૏㧦⊖ਁ౞㧕㩷㪉㪏ᐕ㪊᦬ᧃ㩷㪉㪎ᐕ㪊᦬ᧃ㩷 ⹏ଔ៊⋉㩷㩷㩷㩷 ⹏ଔ៊⋉㩷㩷㩷㩷㪉㪎ᐕ㪊᦬ᧃᲧ ⹏ଔ⋉㩷 ⹏ଔ៊㩷㩷 ⹏ଔ⋉㩷 ⹏ଔ៊㩷㩷 ḩᦼ଻᦭⋡⊛㩷 ٌ 㩷 ሶળ␠䊶㑐ㅪળ␠ᩣᑼ㩷㧙㧙㧙㧙㧙㧙㧙㩷䈠䈱ઁ᦭ଔ⸽೛㩷 ٌ 㩷㩷 ᩣᑼ㩷 ٌ 㩷㩷 ௌ೛㩷㩷㩷䈠䈱ઁ㩷 ٌ 㩷 ว⸘㩷 ٌ 㩷㩷 ᩣᑼ㩷 ٌ 㩷㩷 ௌ೛㩷㩷㩷䈠䈱ઁ㩷䋨ᵈ䋩䇸䈠䈱ઁ᦭ଔ⸽೛䇹䈮䈧䈇䈩䈲䇮ᤨଔ⹏ଔ䈚䈩䈍䉍䉁䈜䈱䈪䇮਄⸥䈱⴫਄䈲䇮⾉୫ኻᾖ⴫⸘਄㗵䈫ขᓧଔ㗵䈫䈱Ꮕ㗵䉕⸘਄ 䈚䈩䈍䉍䉁䈜䇯
Slide 13: Capital Adequacy Ratio (Domestic Standard) and ROE
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㧢㧚⥄Ꮖ⾗ᧄᲧ₸㧔࿖ౝၮḰ㧕㨇 න૕ 㨉㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ 䋨ㅦႎ୯䋩㩷㪉㪎ᐕ㪐᦬ᧃᲧ 㪉㪎ᐕ㪊᦬ᧃᲧ 㩷㧔㧝㧕⥄Ꮖ⾗ᧄᲧ₸ 㧑 ٌ㧑 ٌ㧑㧑㧑㧔㧞㧕ࠦࠕ⾗ᧄߦଥࠆၮ␆㗄⋡ 㧔㧟㧕ࠦࠕ⾗ᧄߦଥࠆ⺞ᢛ㗄⋡ 㧔㧠㧕⥄Ꮖ⾗ᧄߩ㗵㧔㧞㧕㧙㧔㧟㧕㧔㧡㧕࡝ࠬࠢ࡮ࠕ࠮࠶࠻ߩ㗵㧔㧢㧕✚ᚲⷐ⥄Ꮖ⾗ᧄ㗵㨇 ㅪ⚿ 㨉㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᧃ
Slide 14: Status of Loans: Self-assessment and Disclosure Classification
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㸉㪅㩷⾉಴㊄╬䈱⁁ᴫ㩷㧝㧚⥄Ꮖᩏቯ⚿ᨐߣ㐿␜ၮḰ೎ߩಽ㘃࡮଻ో⁁ᴫ 㧔ᐔᚑᐕ᦬ᧃ⃻࿷㧕㧔න૏㧦ం౞㧕 ⥄Ꮖᩏቯ⚿ᨐ㧔ௌോ⠪඙ಽ೎㧕㊄Ⲣౣ↢ᴺߩ㐿␜ၮḰ ࡝ࠬࠢ▤ℂௌᮭ ኻ⽎㧦ⷐ▤ℂௌᮭߪ⾉಴㊄ߩߺ ኻ⽎㧦⾉಴㊄╬ਈା㑐ㅪௌᮭ ኻ⽎㧦⾉಴㊄ ߘߩઁߪ⾉಴㊄╬ਈା㑐ㅪௌᮭ ಽ㘃 ᜂ଻࡮ ඙ಽ ඙ಽ ଻⸽ߦ 㕖 Τ Υ Φ ᒁᒰ㗵 ଻ో₸ ඙ಽ ᱷ㜞 ਈାᱷ㜞 ਈାᱷ㜞 ࠃࠆ ಽ㘃 ಽ㘃 ಽ㘃 ಽ㘃 ଻ో㗵 ⎕✋వ ⎕↥ᦝ↢ௌ 㧙㧙 ᮭ ෸ ߮ ߎ ࠇ ⎕✋వௌᮭ ࠄ ߦ Ḱ ߕ ࠆ ௌᮭ 㧑 ታ⾰⎕✋వ 㧙㧙 ᑧṛௌᮭ ⎕✋ ᔨవ ෂ㒾ௌᮭ 㧑 ࠞ᦬એ
Slide 15: Risk-Managed Claims
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㧞㧚࡝ࠬࠢ▤ℂௌᮭߩ⁁ᴫ 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷 = න૕ ? 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ 䋨䊥䉴䉪▤ℂௌᮭ䋩㩷㪉㪎ᐕ㪐᦬ᧃᲧ 㪉㪎ᐕ㪊᦬ᧃᲧ ⎕✋వௌᮭ㗵 ٌ ٌ ᑧṛௌᮭ㗵 ٌ ٌ 㧟ࠞ᦬એ਄ᑧṛௌᮭ㗵 ٌ ٌ ⾉಴᧦ઙ✭๺ௌᮭ㗵 ٌ ٌ ว⸘ ٌ ٌ ⾉಴㊄ᱷ㜞㧔ᧃᱷ㧕㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷
Slide 16: Loan Loss Reserves and Coverage Ratio
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㧟㧚⾉ୟᒁᒰ㊄╬ߩ⁁ᴫ 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷 = න૕ ? 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃᲧ 㪉㪎ᐕ㪊᦬ᧃᲧ ⾉ୟᒁᒰ㊄ว⸘ ٌ ٌ ৻⥸⾉ୟᒁᒰ㊄ ٌ ٌ ୘೎⾉ୟᒁᒰ㊄ ٌ ٌ ․ቯᶏᄖௌᮭᒁᒰൊቯ 㧙㧙㧙㧙㧙 = ㅪ⚿ ? 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃᲧ 㪉㪎
Slide 17: Financial Reconstruction Act Disclosed Claims
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㧡㧚㊄Ⲣౣ↢ᴺ㐿␜ௌᮭ = න૕ ? 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㩷㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃᲧ 㪉㪎ᐕ㪊᦬ᧃᲧ ⎕↥ᦝ↢ௌᮭ෸߮ߎࠇࠄߦḰߕࠆௌᮭ ٌ ٌ ෂ㒾ௌᮭ ٌ ٌ ⷐ▤ℂௌᮭ ٌ ٌ ว⸘㧔C㧕 ٌ ٌ ✚ਈା㧔D㧕 Ყ₸㧔C㧕㧛㧔D㧕㧑 ٌ㧑 ٌ㧑㧑㧑㧢㧚㊄Ⲣౣ↢ᴺ㐿␜ௌᮭߩ଻ో⁁ᴫ 㩷㩷㩷㩷 = න૕ ? 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㩷㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ
Slide 18: Loans by Industry
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㧣㧚ᬺ⒳೎⾉಴⁁ᴫ╬ 㽲㩷 ᬺ⒳೎⾉಴㊄㩷㩷 = න૕ ? 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ ࿖ౝ㧔㒰ߊ․೎࿖㓙㊄Ⲣขᒁൊቯಽ㧕 ⵾ㅧᬺ ㄘᬺ‫ޔ‬ᨋᬺ Ṫᬺ ㋶ᬺ‫ޔ‬ណ⍹ᬺ‫⍾ޔ‬೑ណขᬺ ᑪ⸳ᬺ 㔚᳇࡮ࠟࠬ࡮ᾲଏ⛎࡮᳓㆏ᬺ ᖱႎㅢାᬺ ㆇャᬺ‫ޔ‬ㇷଢᬺ ෈ᄁᬺ‫ޔ‬ዊᄁᬺ ㊄Ⲣᬺ‫଻ޔ‬㒾ᬺ ਇേ↥ᬺ‫‛ޔ‬ຠ⾓⾉ᬺ ฦ⒳ࠨ࡯ࡆࠬᬺ ࿾ᣇ౏౒࿅૕ ߘߩઁ 㽳㩷 ᬺ⒳೎䊥䉴䉪▤ℂௌᮭ㩷㩷㩷㩷㩷㩷㩷 = න૕ ? 㧔න૏㧦⊖ਁ
Slide 19: Consumer Loans and Deposits and Loans Balance
ࢃᷡ᳓㌁ⴕ㧔㧕ᐔᚑᐕ᦬ᦼ᳿▚⍴ା 㽴㩷 ᶖ⾌⠪䊨䊷䊮ᱷ㜞 = න૕ ? 㧔න૏㧦⊖ਁ౞㧕㩷㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃᲧ 㪉㪎ᐕ㪊᦬ᧃᲧ ᶖ⾌⠪ࡠ࡯ࡦᱷ㜞 ૑ቛࡠ࡯ࡦᱷ㜞 ߘߩઁࡠ࡯ࡦᱷ㜞㽵㩷 ਛዊડᬺ╬⾉಴Ყ₸㩷㩷㩷 = න૕ ? 㧔න૏㧦㧑㧕㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃᲧ 㪉㪎ᐕ㪊᦬ᧃᲧ ਛዊડᬺ╬⾉಴Ყ₸ 㧤㧚㗍㊄࡮⾉಴㊄ߩᱷ㜞 ‫ޣ‬㗍㊄‫ޤ‬㩷 = න૕ ? 㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㩷㧔න૏㧦⊖ਁ౞㧕㪉㪏ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃ 㪉㪎ᐕ㪊᦬ᧃ 㪉㪎ᐕ㪐᦬ᧃᲧ

Shimizu Bank — FY2015 Earnings Presentation on 6ix

Shimizu Bank — FY2015 Earnings Presentation

Slide 1: Financial Results Briefing Materials, FY ended March 2016

Slide 2: Contents

Slide 3: Summary of FY March 2016 Results: Income Status

Slide 4: Ordinary profit and net income

Slide 5: Deposits and Loans

Slide 6: Loans and Financial Reconstruction Act disclosed claims

Slide 7: Soundness of Management: Capital Adequacy Ratio

Slide 8: Earnings Forecast

Slide 9: Overview of FY March 2016 Results: Income Status

Slide 10: Consolidated income statement

Slide 11: Net Business Income and Yields

Slide 12: Valuation gains and losses on securities

Slide 13: Capital Adequacy Ratio (Domestic Standard) and ROE

Slide 14: Status of Loans: Self-assessment and Disclosure Classification

Slide 15: Risk-Managed Claims

Slide 16: Loan Loss Reserves and Coverage Ratio

Slide 17: Financial Reconstruction Act Disclosed Claims

Slide 18: Loans by Industry

Slide 19: Consumer Loans and Deposits and Loans Balance