Sbi Shinsei Bank, Limited · TSE:8303

Sbi Shinsei Bank — Shinsei Bank — Shareholder Meeting (June 2018)

16 slides from Sbi Shinsei Bank's shareholder meeting presentation, Jun 20, 2018

  1. Slide 1: 18th Annual General Meeting of Shareholders

    [TRANSLATION] The Bank assumes no responsibility for this translation or for direct, indirect or any other form of damages arising for the translation. 18th Annual General Meeting of Shareholders Shinsei Bank, Limited June 20, 2018

  2. Slide 2: Fiscal Year 2017 Financial Results

    Fiscal Year 2017 Financial Results 2

  3. Slide 3: Financial Results: Overview

    Financial Results： Overview (Unit: JPY billion) YoY Change 【Consolidated】 FY2017 B(+)/W(-) Total Revenue 232.0 +2% Expenses -142.5 -0% Ordinary Business Profits 89.4 +4% Net Credit Costs -37.2 -17% Others -0.7 +79% Net Income 51.4 +1% Year-end Dividend 10 yen per share 3

  4. Slide 4: Financial Results: Total Revenue

    Financial Results： Total Revenue (Unit: JPY billion) 228.5 232.0  Institutional Business: JPY 64.6 billion 64.6 (YoY JPY +1.8 billion) 62.7  Increase in fee income and gain on sales of equities etc.  Individual Business: JPY 152.3 billion 145.4 152.3 (YoY JPY +6.8 billion)  Increase reflecting l

  5. Slide 5: Financial Results: Costs

    Financial Results： Costs (Unit: JPY billion) Expenses Net Credit Costs  Expense-to-Revenue Ratio  Institutional Business: Increase due improved mainly to provisioning of specific  Flat expenses resulting from reserves for loan losses  Individual Business: Increase due to progress on productivity

  6. Slide 6: Financial Results: Balance Sheet

    Financial Results： Balance Sheet (Unit: JPY billion) Operating Assets Deposits  Institutional Business: Increase  Stable retail deposits in Structured Finance Business constitute 80% of total  Individual Business: Increase deposits in Consumer Finance Business 7,236.0 7,444.3 5,862.9 6,067.0 3,61

  7. Slide 7: Financial Results: Capital Adequacy, Per Share Value

    Financial Results：Capital Adequacy, Per Share Value Capital Adequacy BPS  Core capital adequacy ratio  BPS improved reflecting remains at ample level accumulation of retained  The amount of capital earnings and share steadily increased buyback programs 13.06% 12.83% 3,163 3,376 yen yen 812.3 814.

  8. Slide 8: Business: Growth Areas - Unsecured Card Loans

    Business： Growth Areas (Unit: JPY billion) Unsecured Card Loans 519.6 Unsecured card loan 479.7 balance increased 8% 428.5  Shinsei Bank Lake contributed to the growth 2016.3 2017.3 2018.3 8

  9. Slide 9: Business: Growth Areas - Unsecured Card Loans Strategy

    Business： Growth Areas FY2017 FY2018～  To acquire new customers to lead the loan growth mainly by “Lake ALSA” brand  To upgrade capability of marketing and credit assessment/collection, and to optimize operations costs by Unsecured leveraging digital technology Card Loans  To explore further grow

  10. Slide 10: Business: Growth Areas - Structured Finance

    Business： Growth Areas (Unit: JPY billion) Structured Finance Structured finance 1,396.6 asset balance 1,183.2 1,253.2 increased 11%  Moderate growth in real estate finance  Solid growth in project finance 2016.3 2017.3 2018.3 10

  11. Slide 11: Business: Growth Areas - Structured Finance Plans

    Business: Growth Areas FY2017 FY2018～  To diversify into projects such as wind-power, biomass and thermal power Structured  To diversify financing to Finance private funds, listed infrastructure funds etc.  Propelled syndication and distribution leveraging our best-in-class expertise in originati

  12. Slide 12: Strategy: Leveraging Synergies across Key Businesses

    Strategy: Leveraging Synergies across Key Businesses Creating new business beyond existing framework, reflecting customers’ intrinsic needs Units have been established across legal entities and organization of the Group, Shinsei Showa aiming to integrated management and Bank Leasing advanced risk ma

  13. Slide 13: Strategy: Productivity Enhancement

    Strategy: Productivity Enhancement (Unit: JPY billion) Pursuing operational efficiency by integrating support functions and by realizing productivity enhancement Productivity Enhancement Projects Benefit Measures  To enhance efficiency and advance operations by integrating mainly in 7.5 headquarter

  14. Slide 14: FY2018 Projection

    FY2018 Projection Consolidated Net Income JPY 52 billion Nonconsolidated Net Income JPY 32 billion Year-end Dividend To be determined 14

  15. Slide 15: Memo

    Memo

  16. Slide 16: Slide 16

Shinsei Bank — Shareholder Meeting (June 2018) on 6ix