Shiga Bank, Ltd. · TSE:8366
Shiga Bank — Investor Presentation (June 2018)
46 slides from Shiga Bank's investor presentation, Jun 7, 2018
Slide 1: ‒ ‒ ফাৠऩैलप ਸ਼ઃর৽ੑभਤ⎃૾ய ‒ ‒ ফা ઙૄভཱྀவষكق ୍ৈଶ໋
‒ ‒ ফাৠऩैलप ਸ਼ઃর৽ੑभਤ⎃૾ய ‒ ‒ ফা ઙૄভཱྀவষكق ୍ৈଶ໋
Slide 2: Contents
┠ḟ㻌 ⋛ཱྀவষभਏ ১যহਙুਯમभ૾ய ཱྀவষभਏ జ৩যਊञॉभেਓ૨ ๘ॿॵॺডشॡ ঐॺॵॣشधৎपૢगञ๘ਃચभৄઉख ཱྀவभਏكڭق उऔऽभਹਙषभॉੌा ཱྀவभਏكڮق ड़ঌঞش३ঙথ ཱྀவস३ख़॔ ڼۈںषभॉੌा ⋜ফাৠभਏ ସཱི৲पऐञॉੌाহ ফگাৠ இभ૾ய ฟঈছথॻகषभॉੌाহ সଋৈقଜଋৈك ኈঃشঝभ୮ણহ লসଋৈقଜଋৈك ⋞ফাౚ୳ লস؞স؞થଊਹॉ ফা ౚ
Slide 3: Overview of Shiga Bank
䊠㻚㈡㖟⾜䛾ᴫせ㻌 2 ਲஸপभधেਣ
Slide 4: Overview of Shiga Bank
㈡㖟⾜䛾ᴫせ㻌 タ㻌 㻌 㻌 㻌 㻌 㻌 ❧㻌 䠍䠕䠏䠏ᖺ䠄䠔ᖺ䠅䠍䠌᭶䠍᪥㻌 䠍䠔䠓䠕ᖺ䠄᫂㻝㻞ᖺ䠅㻌 ➨ⓒ༔୕ᅜ❧㖟⾜タ❧㻌 㻌 Ṕ㻌 㻌 㻌 㻌 㻌 㻌 ྐ㻌 䠍䠔䠔䠍ᖺ䠄᫂㻝㻠ᖺ䠅㻌 ඵᖭ㖟⾜タ❧㻌 㻌 䠍䠕䠏䠏ᖺ䠄㻌 㻤ᖺ䠅㻌 ㈡㖟⾜タ❧㻌 㻌 قফك ⥲㻌 㻌 ㈨㻌 㻌 ⏘㻌 䠑䠔䠈䠑䠓䠌൨㻌 ᚑ㻌 ᴗ㻌 ဨ㻌 ᩘ㻌 䠎䠈䠌䠑䠓ே䠄ฟྥ⪅㝖䛟䠅㻌 㡸㻌 㔠㻌 ṧ㻌 㧗㻌 䠐䠓䠈䠔䠑䠍൨䠄ㆡΏᛶ㡸㔠ྵ䜐䠅㻌 ㈚ ฟ 㔠 ṧ 㧗㻌 䠏䠒䠈䠏䠍䠐൨㻌 㻌 䠝䠇㻌㻌 㻌䠄䠦䠟䠮䠅㻌㻌 ᱁㻌 㻌 㻌 㻌 㻌 㻌 㻌 قফك 㻌 䠝䠇㻌 㻌
Slide 5: Branch network
ᗑ⯒䝛䝑䝖䝽䞊䜽㻌 䛂䛧䛜䛞䜣䛃䛾ᗑ⯒ᒎ㛤䠄䛻䛨䜏ฟ䛧ᡓ␎䠅 ᗑ⯒ᩘ䠄䈜䠅㻌 ㈡┴㻌 㻝㻝㻜㻌 ி㒔ᗓ㻌 㻌 㻝㻡㻌 ᾏ㻌 እ㻌 㜰ᗓ㻌 㻌㻌㻌㻌㻢㻌 䠍ᗑ⯒䠇䠎ົᡤ㻌 ୕㔜┴㻌 㻌㻌㻌㻌㻞㻌 ឡ▱┴㻌 㻌 㻌 㻝㻌 ᒱ㜧┴㻌 㻌 㻌 㻝㻌 ㈡㻌 㻌 ᒱ㜧㻌 ᮾி㒔㻌 㻌 㻌 㻝㻌 䠍㻝㻜ᗑ⯒㻌 䠍ᗑ⯒㻌 ᾏእ䠄㤶 䠅㻌 㻌 㻌 㻝㻌 ி㒔㻌 ྜィ㻌 㻝㻟㻣㻌 㻌 䠍䠑ᗑ⯒㻌 كپق๘ਯपলਚ৻؞৶அिقফাਠ ك 㜰㻌 䠒ᗑ⯒㻌 ┴ᗇᡤᅾᆅ䠄䠦䠮ὠ㥐䠅䛛䜙䛾㛫㻌 ឡ▱㻌 䠍ᗑ⯒㻌 䠦䠮ி㒔㥐㻌 㻌 㻥ศ㻌 䠦䠮㜰㥐㻌 㻌㻌㻟㻥ศ㻌 ㈡䞉ி㒔䛾㻌 ୕
Slide 6: Overview of Shiga Prefecture (1)
㈡┴䛾ᴫせ䠄䠍䠅㻌 ফभੑযઠ ফभেਓফೡযઠੑ 䛆༢䠖䠂䛇㻌 110 ୠ ফ ফ ದਜ਼ ৸ব岜 嵤 105 ཱྀவमؚਜ਼طਿ ূ ਜ਼ 100 ᵗᵕᵌᵏᴾ ઋఱਆ ਜ਼ ᵗᵑᵌᵕᴾ ఎੴ ਜ਼ 95 পଚਿ ਜ਼ ൮ ਜ਼ 90 ୴ ਜ਼ ཱྀவ ਜ਼ 85 ਿ ਜ਼ 80 బಐ ਜ਼ ૣળ ਜ਼ 75 ౡ ਜ਼ ઁਣ ਜ਼ 70 ௗಛ ਜ਼ લਆ ਜ਼ 65 ળ ਜ਼ ଗ ਜ਼ 60 ᮾἈឡ⚄ᇸ⚟༓ᗈᒸிර▼ᐑ⇃ᰣ㟼⩌㤶బ୕嚕⚟㫽ᒱᐩ㛗ᓥᐑ᪂ዉᒣឡ㮵ᒣ㛗ᚨᒾ⚟ᒣ㧗㟷⛅ ණ ਜ਼ ி⦖▱ዉ⋢㈡ᒸⴥᓥᅜ㜰ᒣ㒔ᗜᕝᇛᮏᮌᒸ㤿ᕝ㈡㔜ᇛྲྀ㜧ᒣ㔝ศᾏ
Slide 7: Overview of Shiga Prefecture (2)
㈡┴䛾ᴫせ䠄䠎䠅㻌 ৸বથਯभुभतऎॉ ཱྀவभऩহਚؚড়ଢ଼ਚ ┴ෆ⥲⏕⏘䛻༨䜑䜛〇㐀ᴗ䛾ྜ ᡤᅾᆅ ᴗྡ 㻌 㻌 䠍㻌 ㈡┴㻌 㻟㻡㻚㻠䠂㻌 ὠᕷ 䞞ᇼሙ〇సᡤ䚸ᮾ䝺䞞䚸᪥ᮏ㟁Ẽ◪Ꮚ䞞 䠎 ⩌㤿┴ 㻟㻡㻚㻜䠂 ⲡὠᕷ 䝎䜲䜻䞁ᕤᴗ䞞䚸䝟䝘䝋䝙䝑䜽䞞䚸᪥ᮾ㟁ᕤ䞞 㻌 㻌 䠏㻌 ᰣᮌ┴㻌 㻟㻠㻚㻤䠂㻌 Ᏺᒣᕷ ᪫ᡂ䞞䚸䜾䞁䝊䞞䚸᪥ᮏ䝁䜹䞉䝁䞊䝷䞞 ᅜᖹᆒ㻌 㻝㻤㻚㻠䠂㻌 ᰩᮾᕷ ᪥Ύ㣗ရ䞞䚸䞞䜲䝅䝎䚸୕⳻㔜ᕤᴗ䞞 ㈨ᩱ䠖䛂ᖹᡂ㻞㻢ᖺᗘ┴Ẹ⤒῭ィ⟬䛃ෆ㛶ᗓ㻌 㔝Ὢᕷ 䞞ᮧ⏣〇సᡤ䚸䜸䝮䝻䞁䞞䚸ி䝉䝷䞞 કाृघः୭ †༡ᕷ TOTO䞞䚸䞞䜽䝪䝍䚸᪥ᮏ⢭ᕤ䞞
Slide 8: Deposit and loan market share in Shiga Prefecture
㈡┴ෆ㡸㈚㔠䝅䜵䜰䠄㻡ᖺ๓ẚ㍑䠅㻌 䛆㻌 㻞㻜㻝㻞ᖺ㻥᭶ᮎ㻌 䛇㻌 㡸㔠䝅䜵䜰 㡸 䜵䜰 䛆㻌 㻞㻜㻝㻣ᖺ㻥᭶ᮎ㻌 䛇㻌 Ẹỉ˂ Ẹỉ˂ ᵐᵏᵌᵑᵕᵃ ᵐᵏᵌᵑᵗᵃ ᴾ ᴾ 㻌 㻌 㻌 ㈡㖟⾜㻌 ๔ᘍ 㻌 㻌 㻌 ㈡㖟⾜㻌 ๔ᘍ ᵒᵒᵌᵒᵔᵃ ᵒᵒᵌᵒᵖᵃ 㻌 㻌 㻌 㻠㻠㻚㻠㻤䠂㻌 㻌 㻌 㻌 㻠㻠㻚㻠㻢䠂㻌 ̮Ὁ̮ኵ ̮Ὁ̮ኵ ᴾ ᵏᵔᵌᵔᵏᵃ ᴾ ᵏᵔᵌᵕᵑᵃ ᇹʚע ᇹʚע ᣃ ᵏᵏᵌᵗᵒᵃ ᣃ ᵏᵐᵌᵎᵖᵃ Ḥỡạ ḤỡạẼỢᘍẆᴾ ᵐᵌᵑᵑᵃ ᵐᵌᵐᵕᵃ ՠɶửᨊẪᴾ ՠ Ẹỉ˂ע Ẹỉ˂ע ᴾ ᵑᵌᵐᵔᵃ ᵑᵌᵎᵕᵃ Ẹỉ˂
Slide 9: Overview of FY March 2018 results
䊡㻚㻞㻜㻝㻤ᖺ㻟᭶ᮇỴ⟬䛾ᴫせ㻌 ຢைॅॉୱ 8
Slide 10: FY March 2018 income statement
㻞㻜㻝㻤ᖺ㻟᭶ᮇỴ⟬㻌 ᦆ┈䛾≧ἣ㻌 Ṽ ਜ႗ਹஇऋखؚਊෞਹஇमஇ ᴾ ṳҥ˳ᴾ 䛆༢䠖൨䛇㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ٛএॖথॺٜ 㻌 ᴗົ⢒┈㻌 㻡㻣㻞㻌 㻡㻠㻤㻌 ᵏᴾ 䕧㻞㻠㻌 ⋇ਜ႗ਹஇٺقك 㻌 㻌 ㈨㔠┈㻌 㻠㻤㻟㻌 㻠㻢㻠㻌 䕧㻝㻥㻌 ؞ৱসਹஇमؚলসਹඅभ 㻌 㻌 㻌 䛖䛱㈚ฟ㔠ᜥ㻌 㻌 㻟㻤㻜㻌 㻟㻣㻟㻌 䕧㻢㻌 ਗో৹॥५ॺभੜਸಉपेॉ 㻌 㻌 㻌 㻌 䛖䛱᭷౯ドๆᜥ㓄ᙜ㔠㻌 㻌 㻝㻟㻢㻌 㻝㻟㻠㻌 䕧㻝㻌 ૻ؛ 㻌 㻌 䛖䛱㡸㔠➼ᜥ㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 (䕧)
Slide 11: Total deposits balance
⥲㡸㔠ṧ㧗䠄ᮇᮎṧ㧗䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ┴ෆ㻌 㻟㻢㻘㻠㻜㻣㻌 㻟㻣㻘㻞㻜㻟㻌 㻟㻤㻘㻞㻣㻣㻌 㻟㻤㻘㻢㻠㻤㻌 㻟㻥㻘㻥㻠㻟㻌 㻠㻝㻘㻞㻜㻡㻌 㻝㻘㻞㻢㻞㻌 ┴እ 㻡㻘㻡㻟㻤 㻡㻘㻠㻤㻡 㻡㻘㻢㻜㻢 㻡㻘㻢㻡㻞 㻢㻘㻞㻟㻝 㻢㻘㻢㻠㻡 㻠㻝㻠 ྜィ㻌 㻠㻝㻘㻥㻠㻡㻌 㻠㻞㻘㻢㻤㻤㻌 㻠㻟㻘㻤㻤㻟㻌 㻠㻠㻘㻟㻜㻝㻌 㻠㻢㻘㻝㻣㻠㻌 㻠㻣㻘㻤㻡㻝㻌 㻝㻘㻢㻣㻢㻌 ẔҥˮᾉΕόẕᴾ Ⴤϋ Ⴤٳ ٛএॖথॺٜ ᵔᵎᵊᵎᵎᵎ ৸৬दमૻ 䠄㻠㻚㻞㻞䠂䠅㻌 䠄㻟㻚㻢㻟䠂䠅㻌
Slide 12: Total loans balance
⥲㈚ฟ㔠ṧ㧗䠄ᮇᮎṧ㧗䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ┴ෆ㻌 㻝㻣㻘㻡㻥㻟㻌 㻝㻤㻘㻠㻣㻢㻌 㻝㻥㻘㻞㻠㻤㻌 㻞㻜㻘㻞㻝㻡㻌 㻞㻝㻘㻜㻠㻟㻌 㻞㻝㻘㻤㻥㻞㻌 㻤㻠㻥㻌 ┴እ 㻝㻜㻘㻣㻜㻝 㻝㻜㻘㻣㻣㻞 㻝㻝㻘㻟㻡㻢 㻝㻞㻘㻠㻡㻥 㻝㻟㻘㻢㻤㻜 㻝㻠㻘㻠㻞㻝 㻣㻠㻝 ྜィ㻌 㻞㻤㻘㻞㻥㻠㻌 㻞㻥㻘㻞㻠㻤㻌 㻟㻜㻘㻢㻜㻡㻌 㻟㻞㻘㻢㻣㻡㻌 㻟㻠㻘㻣㻞㻠㻌 㻟㻢㻘㻟㻝㻠㻌 㻝㻘㻡㻥㻜㻌 ẔҥˮᾉΕόẕᴾ Ⴤϋ Ⴤٳ ٛএॖথॺٜ ᵒᵎᵊᵎᵎᵎ 䠄㻢㻚㻞㻣䠂䠅㻌 䠄㻠㻚㻡㻤䠂䠅㻌 ৸৬दम
Slide 13: Yields on loans, deposits and securities
㈚ฟ㔠䞉㡸㔠䞉᭷౯ドๆᅇ䜚㻌 Ẕҥˮᾉήẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ㈚ฟ㔠ᅇ䜚㻌 㻝㻚㻡㻤㻌 㻝㻚㻠㻢㻌 㻝㻚㻟㻣㻌 㻝㻚㻞㻣㻌 㻝㻚㻝㻠㻌 㻝㻚㻜㻡㻌 䕧㻜㻚㻜㻥㻌 ᭷౯ドๆᅇ䜚㻌 㻜㻚㻥㻟㻌 㻜㻚㻥㻝㻌 㻜㻚㻥㻞㻌 㻜㻚㻥㻟㻌 㻝㻚㻜㻜㻌 㻝㻚㻜㻥㻌 㻜㻚㻜㻥㻌 㡸㔠➼ᅇ䜚㻌 㻜㻚㻜㻣㻌 㻜㻚㻜㻢㻌 㻜㻚㻜㻡㻌 㻜㻚㻜㻡㻌 㻜㻚㻜㻟㻌 㻜㻚㻜㻟㻌 䠉㻌 Ẕҥˮᾉήẕᴾ ㈚ฟ㔠ᅇ䜚 ᭷౯ドๆᅇ䜚 㡸㔠➼ᅇ䜚 ᵐᵌᵎᵎ ᵏᵌᵓᵖ ᵏᵌᵓᵎ ᵏᵌᵒᵔ ᵏᵌᵑᵕ ᵏᵌᵐᵕ ᵏᵌᵏᵒ ᵏᵌᵎ
Slide 14: Trend in core business profit
ᴗົ⢒┈䛾᥎⛣㻌 ਜ႗ਹஇق৬ك ẔҥˮᾉΕόẕᴾ ᵕᵎᵎ ᵔᵎᵎ ٛএॖথॺٜ 613 606 593 572 লসਹඅभऋਢःथ ᵓᵎᵎ 548 उॉؚਜ႗ਹஇम ᵒᵎᵎ ൊपँॊ؛ ᵑᵎᵎ ᵐᵎᵎ ᵏᵎᵎ ᵎ ᵐᵎᵏᵒᵌᵑ ᵐᵎᵏᵓᵌᵑ ᵐᵎᵏᵔᵌᵑ ᵐᵎᵏᵕᵌᵑ ᵐᵎᵏᵖᵌᵑ قফऊैभੜك ẔҥˮᾉΕόẕᴾ ٛএॖথॺٜ МႩᴾ ࢫѦᴾ Ẹỉ˂ᴾ ؞লসਹඅ ٺ Јᴾ ஊᚰМऒᴾ ᪳ሁᴾ ᛦᢋῧῪᴾ قਹॉਏٺك قଋৈਏ ٔك 5720 ṵᵐᵗᴾ ὺᵐᴾ ὺᵐᵐᴾ ṵᵏᵌᵓᴾ
Slide 15: Expenses and OHR
⤒㈝䞉䠫䠤䠮㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ே௳㈝㻌 㻞㻟㻤㻌 㻞㻟㻡㻌 㻞㻟㻞㻌 㻞㻞㻤㻌 㻞㻞㻜㻌 㻞㻝㻡㻌 䕧㻌㻠㻌 ≀௳㈝㻌 㻝㻣㻟㻌 㻝㻣㻠㻌 㻝㻣㻡㻌 㻝㻣㻜㻌 㻝㻢㻣㻌 㻝㻣㻜㻌 㻞㻌 ⛯㔠㻌 㻞㻜㻌 㻞㻜㻌 㻞㻝㻌 㻞㻡㻌 㻞㻢㻌 㻞㻢㻌 㻌䕧㻜㻌 ⤒㈝ྜィ㻌 㻠㻟㻞㻌 㻠㻟㻜㻌 㻠㻞㻥㻌 㻠㻞㻠㻌 㻠㻝㻠㻌 㻠㻝㻞㻌 ᵏᴾ 䕧㻞㻌 㹍㹆㹐㸦㸣㸧 㻢㻤㻚㻤㻥㻌 㻣㻜㻚㻝㻤㻌 㻣㻞㻚㻟㻢㻌 㻢㻥㻚㻥㻣㻌 㻣㻞㻚㻟㻥㻌 㻣㻡㻚㻝㻥㻌 ᵐᴾ 㻞㻚㻤㻜㻌 ẔҥˮᾉΕόẕᴾ Ẕҥˮ
Slide 16: Profitability of customer services business
㢳ᐈྥ䛡䝃䞊䝡䝇ᴗົ䛾┈⋡㻌 Ẕҥˮᾉႊɢόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ㈚ฟ㔠ṧ㧗䠄ᖹṧ䠅 㻞㻘㻤㻠㻤㻘㻞㻝㻣 㻞㻘㻥㻡㻜㻘㻜㻜㻟 㻟㻘㻝㻞㻠㻘㻞㻢㻠 㻟㻘㻟㻟㻝㻘㻢㻤㻡 㻟㻘㻡㻟㻞㻘㻝㻠㻤 㻞㻜㻜㻘㻠㻢㻞 㡸㈚㔠ᅇ䜚ᕪ㻌 䠄䠂䠅㻌 㻝㻚㻠㻜㻌 㻝㻚㻟㻞㻌 㻝㻚㻞㻞㻌 㻝㻚㻝㻝㻌 㻝㻚㻜㻞㻌 䕧㻜㻚㻜㻥㻌 㻌 䠄㈚ฟ㔠ᅇ䜚䠅䠄䠂䠅㻌 㻝㻚㻠㻢㻌 㻝㻚㻟㻣㻌 㻝㻚㻞㻣㻌 㻝㻚㻝㻠㻌 㻝㻚㻜㻡㻌 䕧㻜㻚㻜㻥㻌 㻌 䠄㡸㔠➼ᅇ䜚䠅䠄䠂䠅㻌 㻜㻚㻜㻢㻌 㻜㻚㻜㻡㻌 㻜㻚㻜㻡㻌 㻜㻚㻜㻟㻌 㻜㻚㻜㻟㻌 䠉㻌 ᙺົྲྀᘬ
Slide 17: Securities valuation gains and losses
᭷౯ドๆホ౯ᦆ┈䛾≧ἣ㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ‶ᮇಖ᭷┠ⓗ㻌 㻜㻌 㻣㻌 㻙㻌 㻙㻌 㻙㻌 㻙㻌 Ꮚ♫ᰴᘧ㻌 㻙㻌 㻙㻌 㻙㻌 㻙㻌 㻙㻌 㻙㻌 䛭䛾᭷౯ドๆ㻌 㻝㻘㻜㻟㻜㻌 㻝㻘㻢㻞㻢㻌 㻝㻘㻠㻡㻤㻌 㻝㻘㻢㻡㻠㻌 㻞㻘㻜㻜㻣㻌 㻟㻡㻞㻌 ᰴᘧ㻌 㻤㻞㻠㻌 㻝㻘㻟㻤㻠㻌 㻝㻘㻝㻣㻟㻌 㻝㻘㻡㻠㻡㻌 㻝㻘㻥㻠㻝㻌 㻟㻥㻡㻌 മๆ㻌 㻞㻜㻞㻌 㻞㻜㻜㻌 㻞㻡㻡㻌 㻝㻟㻡㻌 㻝㻜㻢㻌 䕧㻞㻤㻌 䛭䛾㻌 㻟㻌 㻠㻝㻌 㻞㻥㻌 䕧㻞㻢㻌 䕧㻠㻝㻌 䕧㻝㻡㻌 䛆䛭䛾᭷౯ドๆホ౯ᕪ㢠㔠䛇 㻣㻝㻥㻌
Slide 18: Securities portfolio balance
᭷౯ドๆ㐠⏝㻌 ṧ㧗䝫䞊䝖䝣䜷䝸䜸䠄ᮇᮎṧ㧗䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ᅜമ㻌 㻠㻘㻥㻟㻠㻌 㻠㻘㻢㻝㻝㻌 㻠㻘㻣㻣㻣㻌 㻠㻘㻝㻤㻞㻌 㻠㻘㻜㻞㻞㻌 㻞㻘㻠㻟㻡㻌 䕧㻝㻘㻡㻤㻢㻌 ᆅ᪉മ㻌 㻟㻘㻟㻥㻟㻌 㻞㻘㻥㻥㻜㻌 㻞㻘㻤㻞㻡㻌 㻞㻘㻡㻡㻠㻌 㻞㻘㻟㻥㻟㻌 㻞㻘㻜㻥㻟㻌 䕧㻞㻥㻥㻌 ♫മ㻌 㻠㻘㻢㻠㻜㻌 㻠㻘㻞㻡㻠㻌 㻠㻘㻝㻣㻤㻌 㻟㻘㻥㻝㻡㻌 㻟㻘㻣㻟㻟㻌 㻟㻘㻤㻜㻥㻌 㻣㻢㻌 ᨻᗓಖドമ㻌 㻝㻘㻤㻟㻥㻌 㻝㻘㻟㻥㻜㻌 㻝㻘㻠㻜㻜㻌 㻝㻘㻞㻢㻠㻌 㻥㻤㻞㻌 㻤㻡㻝㻌 䕧㻝㻟㻜㻌
Slide 19: Sixth medium-term management plan
䊢㻚ਸ਼㻢ઃর৽ੑभਤ⎃૾ய㻌 ওॱ७॥ॖ॔ధ 18
Slide 20: Outline of sixth medium-term management plan
➨䠒ḟ୰ᮇ⤒Ⴀィ⏬䛾ᴫせ㻌 䠄㻞㻜㻝㻢ᖺ㻠᭶䡚㻞㻜㻝㻥ᖺ㻟᭶䠅㻌 㻢ḟ୰ィ㻌 䝯䜲䞁䝔䞊䝬㻌 䝏䜵䞁䝆㻌㻒㻌䝏䝱䝺䞁䝆㻌 㛗ᮇⓗ䛻㻌 ┠ᣦ䛩䜉䛝ጼ㻌 ᮍ᮶㐀㖟⾜㻌 䛂㼀㼔㼑䞉䛱䛞䜣䛃㻌 䛚ᐈ䛥䜎ᑐᛂ䝇䝢䞊䝗㻌 ⤌⧊㐠Ⴀ䝇䝢䞊䝗㻌 䝁䝇䝖ᵓ㐀㻌 㻟 䛾䝏䜵䞁䝆㻌 䛾䝏䜵䞁䝆㻌 䛾䝏䜵䞁䝆㻌 叅 叏 䇾䝣䜯䞊䝇䝖䞉㻌 吘 䇾䜘䜚㏿䛟㻌 䜒䛳䛸ᯝᩒ䛻䇿㻌 㻌 䇾➽⫗㉁䛺㖟⾜䇿㻌 㻌 䝁䝭䝳䝙䜿䞊䝅䝵䞁䝞䞁䜽䇿㻌 㻌 叾 ᐇ⾜䜎䛷䛾䝇䝢䞊䝗䜢ୖ䛢䚸㻌 ⤒Ⴀຠ⋡䛾ᨵၿ䛻ྥ䛡䚸㻌 呉 ୍␒䛻┦ㄯ䛥䜜䚸᭱䜒㏿䛟䚸㻌 Ỵ䜑䛯䛣䛸䛿ᚲ䛪᭱ᚋ䜎䛷㻌 ⪷ᇦ䜢タ䛡䛪㻌 ᇶ 吏 ぶษ䞉ぶ㌟䛻ᑐᛂ䛩䜛㖟⾜㻌 䜔䜚䛝䜛Ỵ
Slide 21: Progress on challenge indicators
ᣮᡓᣦᶆ䛾㐍噢≧ἣ㻌 ڲઃরੑරਅఏ ੑ ৰౚ ৰౚ ৰౚ ਛ ॉৱਓقଜଋ ك 㻡㻜㻘㻜㻜㻜൨㻌 㻠㻢㻘㻠㻠㻝൨㻌 㻠㻤㻘㻞㻡㻣൨㻌 㻡㻜㻘㻜㻟㻜൨㻌 قসٔৱਦٔਁુઝٔসૹષൎஂك ਛ লসقଜଋ ك 㻟㻡㻘㻜㻜㻜൨㻌 㻟㻞㻘㻢㻣㻡൨㻌 㻟㻠㻘㻣㻞㻠൨㻌 㻟㻢㻘㻟㻝㻠൨㻌 ཱྀவলস३ख़॔ق٫ك ੵૹقরসभসਃঢ়॑ऎك 㻡㻜䠂㻌 㻠㻣㻚㻟㻞䠂㻌 㻠㻤㻚㻜㻡䠂㻌 䠄䈜䠅㻠㻤㻚㻠㻝䠂㻌 ਛ ആટफ़५ൾলచق٫ك قফ২ऊैফ২भফदফ২ 㻟㻜٫చ㻌 䠉㻌 㻟㻜㻚
Slide 22: Total deposits-and-assets status
崰崫崿嵑崌嵛 ੜਘ ⥲㡸䜚㈨⏘䛾≧ἣ㻌 ⥲㡸䜚㈨⏘ 䇾㻡䇿 䛆༢䠖൨䛇㻌 㻡㻜㻘㻜㻜㻜 ਛ ٛএॖথॺٜ 㻠㻡㻘㻜㻜㻜 ؞ૻੜਸखؚઃ রੑ৯ఏभூ॑ਛ؛ 㻠㻜㻘㻜㻜㻜 50,030 46,216 46,441 48,257 ؞ॉৱਓमসૹષൎஂभ 45,081 ੜਸपेॉૻ 㻟㻡㻘㻜㻜㻜 भੜਸ؛ 㻟㻜㻘㻜㻜㻜 㻞㻜㻝㻠㻚㻟 㻞㻜㻝㻡㻚㻟 㻞㻜㻝㻢㻚㻟 㻞㻜㻝㻣㻚㻟 㻞㻜㻝㻤㻚㻟 㻞㻜㻝㻥㻚㻟 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ⥲㡸㔠䠄ᮎṧ䠅㻌 㻠㻞㻘㻢
Slide 23: Total loans status
崰崫崿嵑崌嵛 ੜਘ ⥲㈚ฟ㔠䛾≧ἣ㻌 ⥲㈚ฟ㔠㻌 䇾䠏䠑䠌䠌䠌൨䇿㻌 䛆༢䠖൨䛇㻌 㻠㻜㻘㻜㻜㻜 ਛ ٛএॖথॺٜ 㻟㻡㻘㻜㻜㻜 ؞ૻੜਸखؚઃ 㻟㻜㻘㻜㻜㻜 রੑ৯ఏभூ॑ਛ؛ 㻞㻡㻘㻜㻜㻜 㻞㻜㻘㻜㻜㻜 ؞র৵੫ऐলসमؚ 32,675 34,724 36,314 ૻقফੜ૨ك 㻝㻡㻘㻜㻜㻜 29,248 30,605 धপऌऎੜਸ؛ 㻝㻜㻘㻜㻜㻜 㻡㻘㻜㻜㻜 㻜 㻞㻜㻝㻠㻚㻟 㻞㻜㻝㻡㻚㻟 㻞㻜㻝㻢㻚㻟 㻞㻜㻝㻣㻚㻟 㻞㻜㻝㻤㻚㻟 㻞㻜㻝㻥㻚㻟 ୰ᑠᴗ➼㈚ฟ㔠ṧ㧗䠄ᮎṧ䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻠㻚㻟㻌
Slide 24: Corporate fee income status
্ে হਙ௬嵣崥嵒嵍嵤崟嵏嵛峘ూବ㻌㻌 તહ॥গॽॣش३ঙথ ِহਙ௬ّप੦तऎৱ १شঅ५قતહكۈڸ ९জগش३ঙথभ ૌுभଃਜ૾ய 㻌 㻌 㧗 ૌ ॑ীෲखؚउ 㻌 㻌 卬 َহૡఌُ ு ਬधَਘाُ َൠाُ॑ુથ 㐣 َ৽ఒُ ਛশ੍ର ୠ 劭ཤ ੍ର ৽ ᐃ䛾 ੋ ㈈ તહ३গঞش३ঙথ१ش 㔞ົ भ অ५قતહكۈۈ 㠃 ؞ఀಉ ગে੍ର 劮ሗ ன లਟभଃਜઍ भ੍ର ٔਛশ੍ର 卮 㻌 㻌 ॑ુ؞થखؚ 㻌 ਟ ੫கभ 㻌 ప ॑१এॺش 㻌 ప㻌
Slide 25: Productivity per employee
崰崫崿嵑崌嵛 ੜਘ ἲேᴗᛶᡭᩘᩱ䛾≧ἣ㻌 ἲேᴗᛶᡭᩘᩱ㻌 䇾㻝㻜൨䇿㻌 䠄᭱⤊ᖺᗘ┠ᶆ್䠅㻌 䛆༢䠖ⓒ䛇㻌 ٛএॖথॺٜ 㻞㻘㻜㻜㻜 ᭦䛺䜛ቑᙉ㻌 ؞ઃরੑੂফ২दؚਈીফ ২भ৯ఏदँॊ॑ 㻝㻘㻡㻜㻜 ਛ ਛ؛ 㻝㻘㻜㻜㻜 ؞সൎஂਃચभมप 1,788 ेॉؚಌऩॊੜਘ॑ॊ؛ 1,273 㻡㻜㻜 786 401 530 㻜 㻞㻜㻝㻠㻚㻟 㻞㻜㻝㻡㻚㻟 㻞㻜㻝㻢㻚㻟 㻞㻜㻝㻣㻚㻟 㻞㻜㻝㻤㻚㻟 㻞㻜㻝㻥㻚㻟 Ẕҥˮᾉႊɢόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 䝡䝆䝛䝇䝬䝑䝏䞁䜾㻌
Slide 26: Review of branch functions
েਓਙ ᚑᴗဨ୍ேᙜ䛯䜚䛾⏕⏘ຠ⋡㻌 ᚑᴗဨ୍ேᙜ䛯䜚㈚ฟ㔠㻌 Ẕҥˮᾉႊɢόẕᴾ ᚑᴗဨ୍ேᙜ䛯䜚㈚ฟ㔠 ᚑᴗဨᩘ Ẕҥˮᾉʴẕᴾ 2,000 2,324 2,400 2,280 ⏕⏘ᛶ䛜ୖ᪼ 2,262 2,300 2,228 1,750 2,199 1,765 2,200 2,125 1,500 2,057 2,100 1,485 1,634 1,373 2,000 1,250 1,293 1,241 1,900 1,183 1,000 1,800 㻞㻜㻝㻞㻚㻟 㻞㻜㻝㻟㻚㻟 㻞㻜㻝㻠㻚㻟 㻞㻜㻝㻡㻚㻟 㻞㻜㻝㻢㻚㻟 㻞㻜㻝㻣㻚㻟 㻞㻜㻝㻤㻚㻟 ᚑᴗဨ୍ேᙜ䛯䜚㡸㔠㻌 䠄䈜䠅ᚑᴗဨ୍
Slide 27: Customer convenience initiatives
েਓਙ 䝬䞊䜿䝑䝖䛸ὶ䛻ᛂ䛨䛯ᗑ⯒ᶵ⬟䛾ぢ┤䛧㻌 ᵐᵎᵏᵗᵌᵑᴾ ᵐᵎᵏᵖὼᵐᵎᵎᵐᴾ ࡃᑄૠᴾ ᵐᵎᵎᵐᵌᵑᴾ ῍ᴾ ᵐᵎᵏᵕᵌᵑᴾ ᵐᵎᵏᵖᵌᵑᴾ ࠀ᫇ᴾ ᙸᡂỚᴾ ૅࡃᴾ ᵏᵏᵕᴾ ᵗᵖᴾ ᵗᵒᴾ ᵗᵓᴾ ṵᵐᵑᴾ Јࢌᴾ ᵐᵐᴾ ᵐᵏᴾ ᵏᵒᴾ ᵏᵑᴾ ṵᵖᴾ ढ़ᴾ ˊྸࡃᴾ ᵐᴾ ᵏᵖᴾ ᵐᵗᴾ ᵐᵓᴾ ὺᵐᵕᴾ ӳᚘᴾ ᵏᵒᵏᴾ ᵏᵑᵕᴾ ᵏᵑᵕᴾ ᵏᵑᵑᴾ ṵᾃᴾ ৻৶৲भএॖথॺ ٛএॖথॺٜ ٴ๘ઈ॥५ॺऋਈ৵ ؞ফਰఋदढ़भ੍؞লਚभ ৻৶৲॑ৰ؛ قखऋऍ॒৻৶भਯदઈ ك ؞ઉফदमढ़भ৻৶৲॑ৰ
Slide 28: Branch operation reform
ਘᒃ峔 েਓਙ ৽੦ೕ 䛚ᐈ䛥䜎䛾౽ᛶྥୖ䜈䛾ྲྀ䜚⤌䜏㻌 ㈡䞉ி㒔䞉㜰䛷䛾䠝䠰䠩䝛䝑䝖䝽䞊䜽ᣑ䚸㻌 ☢Ẽಟᶵ⬟䜢㏣ຍ㻌 ৢभਞ ఊ୮ਃચ ॑୯ਸ েਓਙ峼੍岲峵,&7੦ೕ峘ఁౄ㻌 䠍㻚䜰䝥䝸㉳ື㻌 㻞㻚ᨭᡶሗ☜ㄆ㻌 㻟㻚ᬯド␒ྕධຊ㻌 㻠㻚ᨭᡶ㻌 ᡶ㎸⚊䛾䝞䞊䝁䞊䝗䜢䝇䜻䝱䞁㻌 27
Slide 29: CSR and ESG initiatives
েਓਙ Ⴀᴗᗑ䜸䝨䝺䞊䝅䝵䞁ᨵ㠉㻌 েਓਙ峒㻯㻿峼ষ岮峔岶峳岝হਜ峘প்చ峕峴ੌ峩㻌 䛂䜸䝨䝺䞊䝅䝵䞁ᨵ㠉䛃ྲྀ䜚⤌䜏యീ㻌 ᗑ⯒䝺䜲䜰䜴䞁䝖ኚ᭦㻌 ટກ হਜ প்చ ۡ۞ە۔ڷ㼑㻌 జਟभ টঅشঞॖ॔क़ॺ ৰ ᄷ ⋉ 嵕崻嵤রੱ 嵔崡କਡ ೄ৲ ⋈௷ম 岣৸ఀૃ嵣嵔崡岤କਡ峘ੌ ఒ ⋈ఒ 嵓嵤嵓ৄઉ峁 嵈嵒嵣嵈崨峘చ उऔऽ॑রੱ ⋇ੵ ۡ۔ۣەڶ㻌 धखञটঅشঞॖ ॔क़ॺपಌ ৎກ 䝇䜿䝆䝳䞊䝹㻌 2015ᖺᗘ 2016ᖺᗘ 2017ᖺᗘ 2018ᖺᗘ 2019ᖺᗘ 2020ᖺᗘ 2021ᖺᗘ ஜᢿ౨᚛ᴾ փಅࡃᚾᘍᴾ
Slide 30: Water quality initiative examples
ਅറ &65 㻱㻿㻳षभॉੌा㻌 ਢ૭ચ峔ভ峘ৰਠ峕岻峐岣峁岶岸峽6'*V്岤峼 ᆅ㖟ึ ਢ૭ચऩୠভभৰਠ ਅറۇۈڸषभරਅ ਸ਼ڲઃর৽ੑ ۇۈڸ೦ฆ৽ق৶ك َୠভَُ૽৩َُૉ୭ُ धभુோુ౭ ॑ۢڼڹۈ ষช ણ৷खथ ঽীपऌलखऎ যपमજ ভपणऎघ ৽ۇۈڸ ॑औैप৲ ૹযَਕ্ेखُ ਲ਼ॉুेख େःুेख ਼ेख 29
Slide 31: Omi brand value initiative examples
Ỉ㉁ί䛻ྥ䛡䛯ྲྀ䜚⤌䜏㻌 y ઙૄভक़ॖঝ५ॸش४قমཱྀ؟வൃஸ৻ؚഁ૽؟পદஞكमؚཨಠपँॊ ಁभฺಘभସཱི॑৲औचञৰౚ॑ण؛ y जभ৽ୡ॑ણऊखَؚೞਗყያقૻદያُ॔॑كड़॥भऩःఈपગেघॊञीभউট४ ख़ॡॺَਫૄู॔؟ड़॥ৌੁૼৰୡਜقૻદያُ॑كऋਭ؛ y ਊষमَॽগشঅ४ॿ५१এॺشৱসق6'*ۢউছথُكਸ਼ಀ॑ৰষखؚਢ૭ચऩভत ऎॉप൴घॊহ॑१এ؛ॺش ළोऋञऽॉ ۡ۞ە۔ڷH ೲऋৄइऩः ۡ۔ۣەڶ
Slide 32: Revitalization example
㏆Ụ∵䝤䝷䞁䝗౯್ྥୖ䜈䛾ྲྀ䜚⤌䜏㻌 ٴฟෝदਈপૠெ༵॑ॊથভ੩ฝৃقໄكमؚฟभেਓ੦॑ ⋻ऊै⋻ष৺पఁপَ؛੩ਮฟُभেਓ॑৫؛ ٴෝ୍ਯम୍ऊै୍षপऌऎੜਸ؛లਟपम୍॑৯खथःॊ؛ 峁峉岞 31
Slide 33: FY March 2019 earnings forecast
⍇⍈䝟䞊䝹䛾ά㻌 y ೣਮभીॎॉऊैਛभੂीႃؚኈູपढ़ॼॲঔಉभਗਟரभᇖऋ෬༢खઌႤभಟ༏ऋ؛ y ਊষमۇۈڸણपेॉ୭৳৸पੈৡघॊधधुपؚॡছक़ॻই॓থॹॕথॢपेॊৱস৹ ुງஂ؛ኈঃشঝ୮ણप൴؛ &65ણपेॊ୭৳৸ ਠ૾ ୮ણ 嵐崟၈岲 岲 嵐崟࿘峴 嵐 岮岷峬峘岶峉峴 ણ ৱস৹্১੍ର ਗਟຂฌ嵣ဳ峴 崳崜嵕崾崲嵣嵗崧崓峘ଣ ৺ফ :(% ኈູभেଙ௺ऋടोथ ઌႤभಟ༏धऩॊॖॣ ॳঙक़༏ऋౕ 32
Slide 34: FY March 2019 earnings forecast (1)
䊣㻚㻞㻜㻝㻥ᖺ䠏᭶ᮇᴗ⦼ண㻌 6/ਨलॎऒಀ 33
Slide 35: FY March 2019 earnings forecast (2)
㻞㻜㻝㻥ᖺ㻟᭶ᮇ㻌 ᴗ⦼ண㻔䠍㻕㻌 Ṽᵐᵎᵏᵗ࠰ᵑஉỊẆ࢘ኝМႩỊ್ịẟᆉࡇỉਖ਼ᆆửᙸᡂớẇᴾ ᴾ ṳҥ˳ᴾ 䛆༢䠖൨䛇㻌 㻞㻜㻝㻤㻚㻟㻌 㻞㻜㻝㻥㻚㻟㻌 ẚ㍑㻌 ٛএॖথॺٜ ぢ㎸䜏㻌 ⋇র৵੫ऐৱृ 㻌㻌ᴗົ⢒┈㻌 㻡㻠㻤㻌 㻡㻢㻞㻌 ᵏᴾ 㻝㻠㻌 ர॥থ१ঝਜष 㻌 ㈨㔠┈㻌㻌㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌㻌 㻠㻢㻠㻌 भॉੌाಉपेॉؚ ਜ႗ਹஇ়ੑद 㻌 ᙺົྲྀᘬ➼┈㻌 㻢㻣㻌 भੜਸ॑ৄि؛ 㻌 䛭䛾ᴗົ┈㻌 㻝㻢㻌 㻌㻌⤒㈝㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌㻌 㻌 㻌 㻌 㻌
Slide 36: Shareholder returns
㻞㻜㻝㻥ᖺ㻟᭶ᮇ㻌 ᴗ⦼ண䠄䠎䠅㻌 ٸ৬ਏྠৢقभরଋৈْ كসપਜ਼؟ٓ ٸ৬ਹॉ ْਜ਼؟٫ٓ ୳ ୳ ૻຎ ੜ૨ ૻຎ ଋৈ ਹॉ সಉقඒநਙসஅिك ٫ সಉقඒநਙসஅिك লস ٫ লস ٺ થଊ ٺ ٺ٫ થଊ ٸ৬ౚ୳ ْਜ਼؟ٓ ٸ৴ౚ୳ ْਜ਼؟ٓ ૻຎ ૻຎ ৰౚ ୳ ৰౚ ୳ ৽ଞਹஇ ৽ଞਹஇ ٺ ਊෞਹஇ ਊෞਹஇكپق ٺ پভઙपషരघॊਊෞਹஇ 35
Slide 37: ᰴ㑏ඖ㻌 ٴফাेॉৢଦਊ॑पਬऌऑखؚౚपૢगञ્શଦਊ॑ৰ؛ ٴফ২मؚৢଦਊ્ٔશଦਊٔ੶ଦਊٙ॑ ؛ 㻞㻜㻝㻥㻚㻟㻌 㡯㻌 ┠㻌 㻞㻜㻜㻥㻚㻟㻌 㻞㻜㻝㻜㻚㻟 㻞㻜㻝㻝…
ᰴ㑏ඖ㻌 ٴফাेॉৢଦਊ॑पਬऌऑखؚౚपૢगञ્શଦਊ॑ৰ؛ ٴফ২मؚৢଦਊ્ٔશଦਊٔ੶ଦਊٙ॑ ؛ 㻞㻜㻝㻥㻚㻟㻌 㡯㻌 ┠㻌 㻞㻜㻜㻥㻚㻟㻌 㻞㻜㻝㻜㻚㻟 㻞㻜㻝㻝㻚㻟㻌 㻞㻜㻝㻞㻚㻟㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ண㻌 ༢యᙜᮇ⣧┈䠄൨䠅㻌 䕧㻝㻢㻢㻌 㻟㻥㻌 㻟㻤㻌 㻣㻟㻌 㻠㻤㻌 㻝㻜㻝㻌 㻝㻞㻡㻌 㻝㻠㻣㻌 㻝㻟㻥㻌 㻝㻞㻠㻌 㻝㻞㻡㻌 㐃⤖ᙜᮇ⣧┈䠄൨䠅㻌 䕧㻝㻢㻞㻌 㻠㻟㻌 㻠㻢㻌 㻤㻞㻌 㻡㻡㻌 㻝㻝㻜㻌 㻝㻟㻢㻌 㻝㻡㻡㻌 㻝㻠㻤㻌
Slide 38: Reference materials
峝峕㻌㻌 ਤዓӧᏡƳᅈ˟ƷܱྵƴᝡྂƢǔŵ žσஊ̖͌Ʒоᡯſ ᳸ƢǂƯƷǹȆȸǯțȫȀȸƷசஹǛਏƘ žਤዓӧᏡࣱſƸٻƖƳȓǸȍǹȁȣȳǹ žዮӳᗡȷऴإǵȸȓǹಅſ ǁƷ᠃੭Ǜǔ 37
Slide 39: Total deposits balance by segment
䊤㻚㈨ᩱ⦅㻌 ৈਣभྕি 38
Slide 40: Total loans balance by segment
⥲㡸㔠ṧ㧗䠄ᮇ୰ᖹṧ㻌 䝉䜾䝯䞁䝖ู䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 㡸㔠㻌 㻠㻜㻘㻜㻥㻞㻌 㻠㻝㻘㻝㻢㻞㻌 㻠㻝㻘㻣㻣㻝㻌 㻠㻞㻘㻣㻢㻢㻌 㻠㻟㻘㻢㻣㻢㻌 㻠㻡㻘㻞㻥㻞㻌 㻌 䛖䛱ಶே㡸㔠㻌 㻟㻝㻘㻝㻤㻢㻌 㻟㻝㻘㻤㻜㻥㻌 㻟㻞㻘㻞㻞㻟㻌 㻟㻞㻘㻣㻠㻢㻌 㻟㻟㻘㻝㻜㻝㻌 㻟㻠㻘㻜㻞㻡㻌 㻌 䛖䛱ἲே㡸㔠㻌 㻣㻘㻢㻢㻡㻌 㻤㻘㻜㻡㻠㻌 㻤㻘㻝㻢㻢㻌 㻤㻘㻡㻤㻤㻌 㻥㻘㻝㻜㻠㻌 㻥㻘㻢㻤㻣㻌 㻌 䛖䛱䛭䛾㡸㔠㻌 㻝㻘㻞㻠㻜㻌 㻝㻘㻞㻥㻥㻌 㻝㻘㻟㻤㻝㻌 㻝㻘㻠㻟㻜㻌 㻝㻘㻠㻣㻜㻌 㻝㻘㻡㻣㻥㻌 ㆡ
Slide 41: Sales of deposit-related assets
⥲㈚ฟ㔠ṧ㧗䠄ᮇ୰ᖹṧ㻌䝉䜾䝯䞁䝖ู䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ᴗᛶ㈚ฟ㻌 㻝㻢㻘㻤㻞㻞㻌 㻝㻣㻘㻝㻤㻠㻌 㻝㻣㻘㻠㻥㻞㻌 㻝㻤㻘㻠㻢㻤㻌 㻝㻥㻘㻥㻜㻟㻌 㻞㻝㻘㻞㻝㻞㻌 ᾘ㈝⪅ྥ䛡㈚ฟ㻌 㻤㻘㻣㻝㻠㻌 㻤㻘㻤㻤㻞㻌 㻤㻘㻥㻤㻢㻌 㻥㻘㻜㻤㻞㻌 㻥㻘㻞㻣㻢㻌 㻥㻘㻡㻝㻡㻌 ᆅබయ䛭䛾㻌 㻝㻘㻥㻤㻤㻌 㻞㻘㻠㻝㻡㻌 㻟㻘㻜㻞㻝㻌 㻟㻘㻢㻥㻝㻌 㻠㻘㻝㻟㻢㻌 㻠㻘㻡㻥㻞㻌 ྜ㻌 ィ㻌 㻞㻣㻘㻡㻞㻡㻌 㻞㻤㻘㻠㻤㻞㻌 㻞㻥㻘㻡㻜㻜㻌 㻟㻝㻘㻞㻠㻞㻌 㻟㻟㻘㻟㻝㻢㻌 㻟㻡㻘㻟㻞㻝㻌 ẔҥˮᾉΕό
Slide 42: Sales commissions on deposit assets
㡸䜚㈨⏘㈍㢠㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ᢞ㈨ಙク㻌 㻠㻝㻤㻌 㻠㻥㻠㻌 㻡㻢㻞㻌 㻡㻡㻤㻌 㻟㻥㻡㻌 㻡㻝㻞㻌 ᖺ㔠ಖ㝤䞉⏕ಖ㝤䞉ᦆᐖಖ㝤㻌 㻟㻡㻜㻌 㻟㻢㻥㻌 㻠㻠㻣㻌 㻟㻢㻢㻌 㻝㻥㻠㻌 㻞㻝㻤㻌 ẔҥˮᾉΕόẕᴾ ৲̮ᚠ ࠰̬ᨖὉဃԡ̬ᨖὉܹ̬ᨖ 700 600 562 558 494 512 500 447 418 395 400 350 369 366 300 218 194 200 100 0 2013.3 2014.3 2015.3 2016.3 2017.3 2018
Slide 43: Credit costs and risk-managed claims
㡸䜚㈨⏘㈍ᡭᩘᩱ㻌 Ẕҥˮᾉႊɢόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟 㻞㻜㻝㻤㻚㻟㻌 ᢞ㈨ಙク㻌 㻝㻘㻟㻤㻢㻌 㻝㻘㻠㻥㻢㻌 㻝㻘㻣㻞㻠㻌 㻝㻘㻣㻜㻥㻌 㻝㻘㻟㻢㻟㻌 㻝㻘㻢㻞㻞㻌 ᖺ㔠ಖ㝤䞉⏕ಖ㝤䞉ᦆᐖಖ㝤㻌 㻝㻘㻜㻥㻤㻌 㻥㻠㻝㻌 㻝㻘㻠㻢㻞㻌 㻝㻘㻠㻢㻣㻌 㻝㻘㻝㻤㻣㻌 㻤㻞㻝㻌 㔠⼥ၟရ௰㻌 㻝㻠㻢㻌 㻝㻣㻜㻌 㻤㻡㻌 㻝㻝㻥㻌 㻣㻠㻌 㻞㻜㻟㻌 ྜ㻌 ィ㻌 㻞㻘㻢㻟㻝㻌 㻞㻘㻢㻜㻤㻌 㻟㻘㻞㻣㻞㻌 㻟㻘㻞㻥㻢㻌 㻞㻘㻢㻞㻠㻌 㻞㻘㻢㻠㻤㻌 Ẕҥˮᾉႊɢόẕᴾ ৲̮ᚠ ࠰̬ᨖὉဃԡ̬ᨖὉܹ̬ᨖ ᗡՠԼːʼ 3,5
Slide 44: Capital ratio
ಙ䝁䝇䝖䛸䝸䝇䜽⟶⌮മᶒ䛾≧ἣ䛆༢య䛇㻌 ಙ䝁䝇䝖䠄༢య䠅 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻜㻝㻟㻚㻟㻌 㻞㻜㻝㻠㻚㻟㻌 㻞㻜㻝㻡㻚㻟㻌 㻞㻜㻝㻢㻚㻟㻌 㻞㻜㻝㻣㻚㻟㻌 㻞㻜㻝㻤㻚㻟㻌 ๓ᮇẚ㻌 ಙ䝁䝇䝖㻌 㻢㻟㻌 㻟㻜㻌 䕧㻠㻝㻌 㻞㻞㻌 㻠㻌 㻟㻌 䕧㻝㻌 䝸䝇䜽⟶⌮മᶒ䛾≧ἣ ẔҥˮᾉΕόẕᴾ ἼἋἁሥྸͺೌ ݣዮЈസ᭗ൔྙ Ẕҥˮᾉήẕᴾ ᵏᵊᵎᵎᵎ ᵓ ᵗᵎᵎ 904 ᵖᵎᵎ 855 ᵒ ᵕᵎᵎ 717 ᵔᵎᵎ 659 ᵑ 3.19 ᵓᵎᵎ 2.92 576 521 ᵒᵎᵎ 2.34 ᵐ ᵑᵎᵎ 2.01 1.66 ᵐᵎᵎ 1.43 ᵏ ᵏᵎᵎ ᵎ ᵎ ᵐᵎᵏᵑᵌᵑ ᵐ
Slide 45: Contact for this material
⮬ᕫ㈨ᮏẚ⋡䛾≧ἣ䛆㐃⤖䛇㻌 Ẕ᫇ҥˮᾉΕόẕᴾ ᴾ Ⴘᴾ ᵐᵎᵏᵒᵌᵑᴾ ᵐᵎᵏᵓᵌᵑᴾ ᵐᵎᵏᵔᵌᵑᴾ ᵐᵎᵏᵕᵌᵑᴾ ᵐᵎᵏᵖᵌᵑᴾ Эൔᴾ ⥲⮬ᕫ㈨ᮏẚ⋡䠄䠂䠅㻌 㻝㻠㻚㻤㻜㻌 㻝㻡㻚㻥㻠㻌 㻝㻢㻚㻠㻡㻌 㻝㻢㻚㻢㻣㻌 㻝㻢㻚㻥㻤㻌 㻜㻚㻟㻝㻌 䠰䡅䡁䡎㻝ẚ⋡䠄䠂䠅㻌 㻝㻜㻚㻡㻜㻌 㻝㻝㻚㻤㻞㻌 㻝㻟㻚㻟㻠㻌 㻝㻠㻚㻠㻥㻌 㻝㻡㻚㻤㻜㻌 㻝㻚㻟㻝㻌 ᬑ㏻ᰴᘧ➼䠰䡅䡁䡎㻝ẚ⋡䠄䠂䠅㻌 㻝㻜㻚㻡㻜㻌 㻝㻝㻚㻤㻞㻌 㻝㻟㻚㻞㻤㻌 㻝㻠㻚㻠㻢㻌 㻝㻡㻚㻤㻜㻌 㻝㻚㻟㻠㻌 ⥲⮬ᕫ㈨ᮏ䛾㢠㻌 㻟㻘㻜㻡㻤㻌 㻟㻘㻠㻥㻝㻌 㻟㻘㻡㻥㻤㻌 㻟㻘㻤㻤㻤㻌 㻠㻘㻞㻣㻟㻌 㻟㻤㻡㻌 䠰䡅䡁䡎㻝㈨ᮏ䛾㢠㻌
Slide 46: ᮏ㈨ᩱ䛻㛵䛩䜛䛤↷ඛ㻌 ஜ૰ỆỊẆݩஹỉಅጚỆ᧙ỪỦᚡᡓầԃộủềẟộẴẇᴾ ẮạẲẺᚡᡓỊẆݩஹỉಅጚử̬ᚰẴỦờỉỂỊễẪẆᴾ ἼἋἁởɧᄩࣱܱửϋѼẴỦờỉỂẴẇᴾ ݩஹỉಅጚỊẆኺփؾỉ҄٭ễỄỆợụ…
ᮏ㈨ᩱ䛻㛵䛩䜛䛤↷ඛ㻌 ஜ૰ỆỊẆݩஹỉಅጚỆ᧙ỪỦᚡᡓầԃộủềẟộẴẇᴾ ẮạẲẺᚡᡓỊẆݩஹỉಅጚử̬ᚰẴỦờỉỂỊễẪẆᴾ ἼἋἁởɧᄩࣱܱửϋѼẴỦờỉỂẴẇᴾ ݩஹỉಅጚỊẆኺփؾỉ҄٭ễỄỆợụẆᴾ ႸݣൔီễỦӧᏡࣱầẝỦẮểỆắသॖẪẻẰẟẇᴾ ᾋஜ૰Ệ᧙ẴỦắༀ˟έᾍᴾ ᴾ 㻌 ๔ᘍᴾ ዮӳ˖ဒᢿᴾ ኺփ˖ဒἂἽὊἩᴾ ᴾ ᩓᴾᴾᛅᴾ ᴾᾆᾆὼᾄᾁᾀὼᾁᾁᴾ ᴾ ᴾᾕᾐᾧᴾᴾᴾᴾᾆᾆὼᾄᾁᾀὼᾁᾇᾈᴾ ᴾ ᴾἭὊἲἬὊἊᴾ ᴾ ᶆᶒᶒᶎᵘᵍᵍᶕᶕᶕᵌᶑᶆᶇᶅᵿᶅᶇᶌᵌᶁᶍᶋᵍᴾ ᴾ 45