Nishi-nippon Financial Holdings, Inc. · TSE:7189

Nishi-nippon Financial — H1 FY2015 Earnings Presentation

35 slides from Nishi-nippon Financial's earnings presentation, Nov 24, 2015

1. Slide 1: Fiscal 2015 interim results briefing

   䢴䢲䢳䢷ᖺ䢻᭶ᮇ Ỵ⟬ㄝ᫂఍ 凚䢴䢲䢳䢸ᖺ䢵᭶ᮇ ➨䢴ᅄ༙ᮇ凛 䢴䢲䢳䢷ᖺ䢳䢳᭶䢴䢸᪥ ᰴᘧ఍♫ す᪥ᮏ儛優儇㖟⾜

2. Slide 2: Contents

   㡫 㡫 ḩẅಅጚỉಒᙲ 2 Ḫẅɶᚘᴾ New Stage 2014 ῍൱ửẦẮạ῍ 17 凣几䢴䢲䢳䢷ᖺ䢻᭶ᮇᴗ⦼僔允儈兗儬 3 凣几୰ィ僔儆儊儬免儈兗 ䷵䣐䣧䣹䣕䣶䣣䣩䣧儛兎兠儞僔┠ᣦ傿㖟⾜ീ 18 凤几Ỵ⟬ ䷵㐃⤖ᦆ┈儙兂兎兠 4 ䷶୰ィ僔儹児兠兄兓兠儓 19 ䷶༢యᦆ┈儙兂兎兠 5 ䷷୰ィ僔儗兗償儻儬 20 ䷷儗儆ᴗົ⢒฼┈傍到༢య到 6 ䷸儺免兗儭兑儈先兏優儇僔ᐇ⌧ 21 ䷸㡸㈚㔠僔ᖹṧ傍到༢య到 7 凤几୰ィ僔୺せ᪋⟇僔ᵓᡂ 22 ䷹㡸㈚㔠僔฼ᜥ傍到༢య到 8 凥几ⱝᡭ⾜ဨ⫱ᡂ僎ዪᛶά㌍᥎㐍 23 ䷺᭷౯ドๆ฼ᜥ㓄ᙜ㔠傍到༢య到 9 処几㉁僔㧗傪儙兠儷儝僔ᥦ౪ ䷵ே⏕僤僱傺僎儙允兠

3. Slide 3: Section 1: Summary of results

   ḩᴾಅጚỉಒᙲ ḩ ಅጚỉಒᙲ ᵐᵎᵏᵓ࠰ᵗஉ஖ ൿምᛟଢ˟ ᵮᵌᵐ

4. Slide 4: Highlights of interim results

   ᾀώᵐᵎᵏᵓ࠰ᵗஉ஖ಅጚỉἯỶὅἚ 㐃⤖ ‹ ༢య僔ቑ┈僑僮僰傎㐃⤖୰㛫⣧฼┈僕䢳䢸䢶൨෇凚๓ᖺྠᮇẚ凝䢴䢻൨෇凛僎傎ᐇ㉁㐣ཤ᭱㧗┈ 傠ὀ傡傏 ੷ Ⴉ ‹ ᭷౯ドๆ㛵ಀᦆ┈僔ᨵၿ僪㡸㔠ಖ㝤ᩱ僔ᘬୗ傸ຠᯝ➼僑僮僰傎༢య୰㛫⣧฼┈僕䢳䢶䢸൨෇ ༢య 凚๓ᖺྠᮇẚ凝䢴䢵൨෇凛僎傎ᐇ㉁㐣ཤ᭱㧗┈ 傠ὀ傡傏 䛊ὀ䛋 㐣ཤ᭱㧗䛷䛒䛳䛯2010ᖺ9᭶ᮇ䛾୰㛫⣧฼┈䠄㐃⤖468൨෇䚸༢య462൨෇䠅䛻䛿䚸ศ๭Ꮚ఍♫ゎᩓ䛻క䛖฼┈ᢲୖ䛢せᅉ350൨෇䛜 ྵ䜎䜜䛶䛚䜚䚸䛣䛾≉Ṧせᅉ䜢᥍㝖䛧䛯ᐇ㉁ⓗ䛺฼┈Ỉ‽䛿䚸ᙜ୰㛫ᮇ䛜㐣ཤ᭱㧗䚹 ‹ 㡸㈚㔠僎僨㡰ㄪ僑兀兎光兠兄傲ᣑ኱傏㡸㈚⋡凚ᖹṧ儽兠儝凛僕䢺๭㉸傏 㡸 ㈚ ‹

5. Slide 5: Consolidated income statement

   ᾁώൿም Ṟᡲኽ੷ႩἇἰἼὊ ‹ ᵐᵎᵏᵓ࠰ᵗஉ஖ίɶ᧓஖ὸỉᡲኽኝМႩỊẆ᤼ᘍҥ˳ỉ‫ف‬Ⴉửɼ‫׆‬ỆЭ࠰ӷ஖ൔὺᵐᵗΕό ỉᵏᵔᵒΕόểẆܱឋᢅӊஇ᭗Ⴉẇ ‹ ᵐᵎᵏᵔ࠰ᵑஉ஖ίᡫ஖ὸỊẆܱឋᢅӊஇ᭗ỉᵐᵔᵓΕόίЭ஖ൔὺᵏᵕΕόὸửʖेẇ 伪㐃⤖ᦆ┈ ୰㛫ᮇ ㏻ᮇ 䢳䢷䢱䢻᭶ᮇ 䢳䢶䢱䢻᭶ᮇ 䢳䢸䢱䢵᭶ᮇ 䢳䢷䢱䢵᭶ᮇ 䢳䢸䢱䢵᭶ᮇ ᐇ⦼ ᐇ⦼ ௒ᅇண᝿ ᐇ⦼ ๓ᅇண᝿ 䢳䢶䢱䢻᭶ᮇẚ 䢳䢷䢱䢵᭶ᮇẚ ๓ᅇண᝿ẚ 凚༢఩凬൨෇凛 傠ὀ䢴傡 P.5 ༢య⣧฼┈ 䣃 䢳䢶䢸䢢 凝䢢䢴䢵䢢 䢳䢴䢵䢢 䢴䢵䢷䢢 凝䢢䢵䢷䢢 凝䢢䢵䢲䢢 䢴䢲䢲䢢 䢴䢲䢷䢢 㐃༢ᕪ 䣄 䢳䢺䢢 凝䢢䢸䢢 䢳䢴䢢

6. Slide 6: Non-consolidated income statement

   ᾁώൿም ṟҥ˳੷ႩἇἰἼὊ ‹ ᵐᵎᵏᵓ࠰ᵗஉ஖ίɶ᧓஖ὸỉҥ˳ኝМႩỊẆஊ̖ᚰУ᧙̞੷Ⴉỉોծở᪳᣿̬ᨖ૰ྙࡽɦ ậỉјௐሁỆợụẆЭ࠰ӷ஖ൔὺᵐᵑΕόỉᵏᵒᵔΕόểẆܱឋᢅӊஇ᭗Ⴉẇ ‹ ᵐᵎᵏᵔ࠰ᵑஉ஖ίᡫ஖ὸỊẆܱឋᢅӊஇ᭗ỉᵐᵑᵓΕόίЭ஖ൔὺᵑᵓΕόὸửʖेẇ 伪༢యᦆ┈ ୰㛫ᮇ ㏻ᮇ 䢳䢷䢱䢻᭶ᮇ 䢳䢶䢱䢻᭶ᮇ 䢳䢸䢱䢵᭶ᮇ 䢳䢷䢱䢵᭶ᮇ 䢳䢸䢱䢵᭶ᮇ ᐇ⦼ ᐇ⦼ ௒ᅇண᝿ ᐇ⦼ ๓ᅇண᝿ 䢳䢶䢱䢻᭶ᮇẚ 䢳䢷䢱䢵᭶ᮇẚ ๓ᅇண᝿ẚ 凚༢఩凬൨෇凛 傠ὀ䢷傡 儗儆ᴗົ⢒฼┈ 傠ὀ䢳傡 P.6 䢷䢶䢹䢢 伽䢢䢳䢢 䢷䢶䢺䢢 䢳䢮䢲䢶䢷䢢 伽䢢䢳䢸䢢 凝䢢䢳䢲䢢 䢳䢮䢲䢸䢳䢢 䢳䢮

7. Slide 7: Core business profit trend

   ᾁώൿም ṠἅỴಅѦቫМႩ ῍ҥ˳῍ ‹ ᵐᵎᵏᵓ࠰ᵗஉ஖ίɶ᧓஖ὸỉἅỴಅѦቫМႩỊẆЭ࠰ӷ஖ൔṵᵏΕόỉᵓᵒᵕΕόẇ ‹ ᵐᵎᵏᵔ࠰ᵑஉ஖ίᡫ஖ὸỊẆЭ஖ൔṵᵏᵔΕόỉᵏᵊᵎᵒᵓΕόửʖेẇ 伪儗儆ᴗົ⢒฼┈僔ቑῶ 凚༢఩凬൨෇凛 傍凚せᅉูෆヂ凛 ୰㛫ᮇ傍凚䢳䢶䢱䢻ᮇ傍䳑傍䢳䢷䢱䢻᭶ᮇ凛 ㏻ᮇ傍凚䢳䢷䢱䢵ᮇ傍䳑傍䢳䢸䢱䢵᭶ᮇண᝿凛 䢳䢶䢱䢻ᮇ傍䢷䢶䢺 䢳䢷䢱䢵ᮇ傍䢳䢮䢲䢸䢳 ㈚ฟ㔠฼ᜥ僔ቑῶ傍傜ᖹṧせᅉ傝 凝䢴䢴 凝䢶䢵 ㈚ฟ㔠฼ᜥ僔ቑῶ傍傜฼ᅇ僰せᅉ傝 伽䢴䢻 伽䢷䢷 ᢞಙゎ⣙ᦆ┈僔ቑῶ 凝䢻 凝䢳䢵 ㈨㔠฼┈䢢伽䢷 ㈨㔠฼┈䢢伽䢴䢸 ᭷౯ドๆ฼ᜥ㓄ᙜ㔠凚ᢞಙゎ⣙ᦆ┈僸㝖債凛僔ቑῶ 伽

8. Slide 8: Loans and deposits average balance

   ᾁώൿም ṡ᪳᝱᣿ỉ࠯സ ῍ҥ˳῍ ‹ ᪳᝱᣿ểờ᪯ᛦỆἮἼἷὊἲầਘ‫ٻ‬ẇ᪳᝱ྙί࠯സἫὊἋὸỊᵖлឬẇ 伪㡸㈚㔠僔ᖹṧ 伪㡸㈚⋡凚ᖹṧ儽兠儝凛傠ὀ傡 ㈚ฟ㔠 ᖹṧ傍凚༢఩凬൨෇凛 㡸㔠兟䣐䣅䣆 ๓ᖺྠᮇẚቑῶ⋡ 䢹䢵䢮䢹䢵䢻 䢹䢲䢮䢳䢹䢸 䢸䢷䢮䢷䢵䢴 䢸䢷䢮䢺䢳䢺 䢸䢹䢮䢸䢵䢹 䢷䢻䢮䢷䢴䢵 䢷䢵䢮䢶䢲䢹 䢷䢸䢮䢶䢹䢶 䢷䢲䢮䢴䢲䢲 䢷䢳䢮䢶䢻䢺 䢺䢲䢰䢷䢧 䢺䢲䢰䢹䢧 凝䢷䢰䢹䢧 凝䢷䢰䢶䢧 䢹䢺䢰䢴䢧 䢹䢻䢰䢲䢧 ୰㛫ᮇ 凝䢷䢰䢳䢧 䢹䢸䢰䢸䢧 凝䢵䢰䢹䢧 凝䢵䢰䢺䢧 凝䢴䢰䢺䢧 凝䢴䢰䢸䢧 凝䢴䢰䢺䢧 凝䢴䢰䢶䢧 凝䢲䢰䢶䢧 䢳䢳䢱䢻ᮇ 䢳䢴䢱䢻ᮇ 䢳䢵䢱䢻ᮇ 䢳䢶䢱䢻ᮇ 䢳䢷䢱

9. Slide 9: Loan and deposit interest margins

   ᾁώൿም Ṣ᪳᝱᣿ỉМऒ ῍ҥ˳῍ ‹ ᝱Ј᣿МऒỊМ‫ׅ‬ụ˯ɦỆợụࡽẨዓẨถ‫ݲ‬ẇЭ࠰ӷ஖ൔỉถ‫ࠢݲ‬ỊẆἮἼἷὊἲਘ‫ٻ‬Ệ ợỦӓႩồỉἩἻἋࢨ᪪ầ݃ɨẲẆᵒ஖ᡲዓỂ጑‫ݱ‬ẇ 伪㡸㈚㔠僔฼ᜥ兟฼ᅇ僰 伪㈚ฟ㔠฼ᜥ僔ቑῶ凚せᅉูෆヂ凛 ㈚ฟ㔠 ฼ᜥ傍凚༢఩凬൨෇凛 㡸㔠兟䣐䣅䣆 ᖹṧせᅉ傍傍傍傍傍傍䢢䣃傍傍凚༢఩凬൨෇凛 ฼ᅇ僰 ฼ᅇ僰せᅉ傍傍傍傍傍䢢䣄 ๓ᖺྠᮇẚቑῶ傍䣃䢭䣄 䢶䢺䢴 凝䢴䢲 凝䢴䢴 凝䢴䢵 凝䢴䢴 䢶䢷䢺 䢵䢶 凝䢳䢸 凝䢳䢸 䢶䢵䢶 䢶䢴䢵 䢶䢳䢸 凝䢳䢴 凝䢳䢵 凝䢹凝䢳䢳 凝䢸 凝䢵 䢳䢰䢻䢳䢧 䢴䢷 䢳䢰䢹䢹䢧 䢴䢴 䢴䢳 䢴䢴 ୰㛫ᮇ 䢳䢰䢸䢴䢧 伽

10. Slide 10: Securities balance and interest dividends

    ᾁώൿም ṣஊ̖ᚰУМऒᣐ࢘᣿ ῍ҥ˳῍ ‹ ‫׎‬ϋ᣿Мỉ˯ɦầዓẪễẦẆ᣿МἼἋἁ৮СỉᢃဇἋἑὅἋửዜਤẲẺẮểẦỤẆஊ̖ᚰУ ỉМऒᣐ࢘ί৲̮ᚐኖႩửᨊẪὸỊถ‫ݲ‬ẇ 伪᭷౯ドๆ僔ᖹṧ 伪᭷౯ドๆ僔฼ᜥ㓄ᙜ兟฼ᅇ僰 伪ᅜෆമๆ฼ᅇ僰 ᖹṧ 凚༢఩凬൨෇凛 凚༢఩凬൨෇凛 䢲䢰䢺䢳䢧 䢲䢰䢹䢵䢧 ๓ᖺྠᮇẚቑῶ⋡ 䢲䢰䢸䢲䢧 䢳䢴䢷 䢲䢰䢷䢲䢧 䢳䢺䢮䢳䢷䢻 䢲䢰䢵䢹䢧 䢳䢸䢮䢺䢴䢲 䢳䢸䢮䢻䢲䢻 䢳䢹䢮䢳䢳䢺 䢳䢹䢮䢶䢻䢹 䢻䢸 䢻䢺 䢻䢴 䢻䢵 ฼ᜥ㓄ᙜ䢢䣃 ୰㛫ᮇ 䢵䢹 䢵 䢻䢸 䢻䢷 䢳䢴 䢴䢳 催僇䢢ᢞಙゎ⣙┈ 䣄 ୰㛫ᮇ 䢺䢺 凝䢵䢰䢺䢧 䢺䢲 ฼ᜥ㓄ᙜ䢢䢢䢢䢢䢢䢢䢢䢢䢢䣃

11. Slide 11: Securities gains and losses

    ᾁώൿም Ṥஊ̖ᚰУỿἵἦἑἽ੷Ⴉ ῍ҥ˳῍ ‹ ࠊ‫ئ‬ѣӼሁửਵảẺ৆ဦႎễஊ̖ᚰУ٥ᝰሁỉኽௐẆᵐᵎᵏᵓ࠰ᵗஉ஖ίɶ᧓஖ὸỊỿἵἦἑ ἽႩᵒᵖΕόửᚘɥẇ ‹ ɶ‫׎‬ኺฎỆ‫ݣ‬ẴỦভࣞở቟‫׎‬ỉМɥậỉέᘍẨɧᡢଢज़ሁẦỤఇ̖൦แỊɦᓳẲẺờỉ ỉẆᵐᵎᵏᵓ࠰ᵗஉ஛ỉᚸ̖ႩỊᵖᵎᵎΕόể᭗൦แửዜਤẇ 伪᭷౯ドๆ僔儑兇儸儣兏ᦆ凚伽凛┈ 伪᭷౯ドๆ傠ὀ傡 僔ホ౯ᦆ凚伽凛┈ 凚༢఩凬൨෇凛傍 傍凚༢఩凬൨෇凛傍 凝䢶䢺 凝䢻䢳䢺 凝䢶䢲 凝䢶䢸 凝䢵䢲 凝䢵䢹 凝䢴䢶 凝䢻 凝䢴䢳 凝䢺䢲䢲 凝䢷 凝䢵 凝䢲 凝䢳䢴 凝䢻 凝䢻 凝䢴 伽䢳䢻 凝䢷䢸䢹 ୰㛫ᮇ 伽䢴䢶 凝䢷䢵䢳 伽䢶䢸

12. Slide 12: Fee and commission income

    ᾁώൿም ṥ᪳ụ᝻ငᝤ٥ỉཞඞ ῍ҥ˳῍ ‹ ৲᝻̮ᚠấợỎɟ଺৚ኳ៲̬ᨖỉᝤ٥᫇‫ف‬ьỆợụẆᵐᵎᵏᵓ࠰ᵗஉ஖ίɶ᧓஖ὸỉ᪳ụ᝻င ৖ૠ૰ỊЭ࠰ӷ஖ൔὺᵓᵌᵓΕόỉᵑᵎᵌᵏΕόẇ 伪㡸僰㈨⏘僔㈍኎㢠兟ᡭᩘᩱ ᡭᩘᩱ 凚༢఩凬൨෇凛傍 ㈍኎㢠 䢵䢲䢰䢳 䢻䢺䢸 䢴䢷䢰䢻 䢻䢳䢻 䢻䢶䢴 䢻䢳䢹 䢴䢶䢰䢸 䢴䢰䢲 䢺䢺䢳 䢴䢶䢰䢺 䢴䢵䢰䢷 䢲䢰䢷 䢳䢹䢳 䢲䢰䢳 䢲䢰䢻 䢶䢰䢳 䢴䢻䢻 䢳䢴䢳 䢳䢶䢹 䢲䢰䢳 䢴䢶䢸 䢶䢰䢳 䢴䢰䢸 䢴䢰䢶 䢳䢷䢻 䢳䢷䢻 䢳䢵䢺 䢹䢰䢲 䢸䢰䢺 ୰㛫ᮇ 䢳䢳䢵 䢶䢰䢳 䢵䢰䢴 䢲䢰䢻 䢳䢺䢳 䢳䢴䢴 䢴䢺 䢴䢰䢺 䢳䢴䢴 䢶䢶 䢴䢰䢹 䢳䢰䢳 䢲䢰䢹 䢻䢴

13. Slide 13: Expenses

    ᾁώൿም ṦኺᝲὉᵭᵦᵰ ῍ҥ˳῍ ‹ ᪳᣿̬ᨖ૰ྙࡽɦậίܱј૰ྙᵎᵌᵎᵖᵒήḵᵎᵌᵎᵒᵐήὸỉјௐỆợụẆᵐᵎᵏᵓ࠰ᵗஉ஖ίɶ᧓஖ὸ ỉኺᝲỊЭ࠰ӷ஖ൔṵᵗΕόỉᵑᵓᵏΕόẇ ‹ ᵐᵎᵏᵔ࠰ᵑஉ஖ίᡫ஖ὸỊẆᵧᵡᵲỶὅἧἻሁồỉᆢಊ৲᝻ỆợỦೞ఺҄᧙ᡲኺᝲỉ‫ف‬ьửᙸᡂ ỚẆኺᝲμ˳ỊЭ஖ൔỖỗ್ịẟỉᵕᵐᵎΕόửʖेẇ 伪⤒㈝ 伪䣑䣊䣔 凚༢఩凬൨෇凛傍 凚༢఩凬൨෇凛傍 ᶵᲔ໬㛵㐃⤒㈝ ⤒㈝ ㏻ᮇ ㏻ᮇ ᴗົ⢒฼┈ 㡸㔠ಖ㝤ᩱ ⛯㔠 䣑䣊䣔傍傠ὀ䢴傡 䢹䢴䢻 䢹䢵䢳 僃僔௚ 䢹䢴䢳 䢹䢴䢲 䢹䢲䢳 ୰㛫ᮇ 䢸䢷䢰䢸䢶䢧 䢸䢹䢰䢲䢻䢧 䢸䢻䢧⛬ᗘ 䢺䢷 䢳䢴䢴 䢸䢶䢰䢹䢳䢧 䢸䢵䢰䢻䢹

14. Slide 14: Credit costs

    ᾁώൿም ṧ̮ဇἅἋἚ ῍ҥ˳῍ ‹ ̮ဇἅἋἚỊ˯൦แỂਖ਼ᆆẇ ‹ ᵐᵎᵏᵔ࠰ᵑஉ஖ỊẆᵐᵎᵏᵒ࠰ᵑஉ஖ỆዓẨẆ̬‫ܣ‬ႎễࡽ࢘ửܱ଀ẇ 伪ಙ⏝儗儝儬凚伽僕ᡠධ┈凛 伪◚⥢ᠱᛕඛ兟せ⟶⌮ඛ僔ᘬᙜ⋡ 凚༢఩凬൨෇凛傍 ◚⥢ᠱᛕඛ傍傠ὀ䢴傡 ಙ⏝儗儝儬 せ⟶⌮ඛ傍䢢傍傠ὀ䢵傡 ㏻ᮇ ಖᏲⓗ僐ᘬᙜ傠ὀ䢳傡僑僮僱ᙳ㡪㢠僸᥍㝖 䢸䢸 䢸䢳䢰䢹䢧 䢸䢲䢰䢵䢧 䢸䢲䢰䢻䢧 䢶䢶 䢶䢷䢰䢲䢧 䢶䢸䢰䢵䢧 䢶䢳 ୰㛫ᮇ 䢴䢲 䢳䢸 䢳䢴 䢳 䢲 䢳䢶䢰䢴䢧 䢳䢷䢰䢵䢧 䢳䢸䢰䢵䢧 䢳䢸䢰䢴䢧 伽䢴 䢳䢴䢰䢴䢧 伽䢻 䢳䢴䢱䢵ᮎ 䢳䢵䢱䢵ᮎ 䢳䢶䢱䢵ᮎ 䢳䢷䢱䢵ᮎ 䢳䢷䢱䢻ᮎ 傠ὀ䢳傡 傠ὀ䢳傡 傠ὀ䢳傡 䢳䢴

15. Slide 15: Disclosed claims

    ᾁώൿም Ṩ᧏ᅆͺೌ ῍ҥ˳῍ ‹ ᧏ᅆͺೌỊࡽẨዓẨถ‫ݲ‬ẲẆዮɨ̮ỆҩỜỦлӳờ˯ɦẇ 伪㔠⼥෌⏕ἲ㛤♧മᶒ せ⟶⌮മᶒ 凚༢఩凬൨෇凛傍 ༴㝤മᶒ ◚⏘᭦⏕മᶒ➼ 㛤♧മᶒẚ⋡ 䢵䢰䢴䢲䢧 䢵䢰䢲䢳䢧 䢴䢰䢹䢴䢧 䢴䢰䢶䢶䢧 䢳䢮䢸䢹䢷 䢴䢰䢵䢳䢧 䢳䢮䢸䢴䢺 䢳䢮䢷䢶䢵 䢳䢮䢶䢷䢸 䢴䢷䢳 䢴䢸䢵 䢳䢮䢶䢲䢸 伪ᐇᢤィ⏬ඛ傍傠ὀ傡 䢵䢳䢺 ᐇᢤィ⏬ඛ 凚༢఩凬൨෇凛傍 䢵䢵䢲 䢵䢲䢲 ⥲୚ಙ僑༨僧僱๭ྜ 䢳䢮䢲䢳䢶 䢻䢻䢲 䢳䢰䢻䢶䢧 䢳䢰䢺䢵䢧 䢳䢮䢳䢻䢴 䢳䢮䢳䢳䢺 䢸䢺䢴 䢳䢮䢲䢳䢶 䢸䢳䢻 䢷䢹䢹 䢻䢸䢴 䢻䢸䢶 䢳䢰䢴䢲䢧 䢳䢰䢲䢵䢧 䢲䢰䢻䢷䢧 䢴䢵䢳 䢴䢶䢹 䢴䢳䢲 䢳

16. Slide 16: Capital adequacy

    ᾁώൿም ṩᐯࠁ᝻ஜൔྙ ῍ᡲኽ῍ ‹ ᵐᵎᵏᵓ࠰ᵗஉ஛ỉᡲኽᐯࠁ᝻ஜൔྙỊᵗᵌᵐᵗήểẆኺփỉͤμࣱỉ᩿Ểբ᫆ỉễẟ൦แẇ ‹ ᵐᵎᵏᵓ࠰ᵑஉ஛ểỉൔ᠋ỂỊẆᢘ఍଒᝻ஜᛦᢋ৖െί଒ᾣᾸᾴ῁Ḫ᝻ஜὸỉምλ᫇ỉถ‫ݲ‬ở᝱ Ј᣿ỉ‫ف‬ьỆˤạἼἋἁὉỴἍἕἚሁỉ‫ف‬ьሁỆợụẆṵᵎᵌᵑᵑήἯỶὅἚ˯ɦẇ 伪㐃⤖⮬ᕫ㈨ᮏẚ⋡ 䢳䢷䢱䢻᭶ᮎ 䢳䢷䢱䢵᭶ᮎẚ 䢳䢷䢱䢵᭶ᮎ 凚༢఩凬൨෇凛 儗儆㈨ᮏ僑ಀ僱ᇶ♏㡯┠ 䣃 䢶䢮䢹䢲䢳䢢 凝䢢䢳䢢 䢶䢮䢹䢲䢲䢢 ᬑ㏻ᰴᘧ僑ಀ僱ᰴ୺㈨ᮏ 䢵䢮䢸䢻䢹䢢 凝䢢䢳䢵䢷䢢 䢵䢮䢷䢸䢴䢢 僃僔௚僔ໟᣓ฼┈⣼ィ㢠 伽䢢䢳䢲䢢 凝䢢䢳䢢 伽䢢䢳䢳䢢 ㄪᩚᚋ㠀ᨭ㓄ᰴ୺ᣢศ

17. Slide 17: Shareholder returns

    ᾂώМႩᢩΨ ‹ ᵐᵎᵏᵒ࠰ᵏᵏஉỆπᘙẲẺૼẲẟМႩᢩΨ૾ᤆỆؕỀẨẆᵐᵎᵏᵔ࠰ᵑஉ஖ỊẆ̲ദࢸỉᡲኽ࢘ ஖ኝМႩʖेίᵐᵔᵓΕόὸỆ‫ݣ‬ẲẆᐯࠁఇࡸӕࢽኖᵐᵎΕόẆʖेᣐ࢘ኖᵒᵕΕόίᵏఇ࢘Ẻụᵔ όὸẆӳᚘኖᵔᵕΕόỉМႩᢩΨίዮᢩΨࣱӼᵐᵓᵌᵑήὸửᙸᡂớẇ 伪฼┈㑏ඖ㢠僎⥲㑏ඖᛶྥ 凚༢఩凬൨෇凛 ⮬ᕫᰴᘧྲྀᚓ „ ᙜ㠃傎䢳ᰴᙜ僅僰ᖺ㛫䢷෇僔Ᏻᐃ㓄ᙜ僸儽兠儝 ๰❧䢳䢲࿘ᖺグᛕ㓄ᙜ 僑傎㐃⤖ᙜᮇ⣧฼┈僑ᑐ傿僱⥲㑏ඖᛶྥ僸 㓄ᙜ ᪂傽傪฼┈㑏ඖ᪉㔪 䢴䢷凘⛬ᗘ僎傿僱傏 ⥲㑏ඖᛶྥ傍傠ὀ䢳傡 䢴䢷䢰䢴䢧 䢴䢷䢰䢵䢧 „ ฼┈㑏ඖ僔᪉⟇僎傽僌傎㓄ᙜ僑ຍ傮傎⮬ᕫᰴ 傠ὀ䢴傡 䢴䢳䢰䢸䢧 䢴䢴

18. Slide 18: Medium-term plan: New Stage 2014

    Ḫᴾɶᚘ New Stage 2014῍൱ửẦẮạ῍ ~ờ僸傱傹催~ 僑㎸僧僅ᛮ傪 ᆅᇦ僑᰿傼傿㔠⼥ᶵ㛵僎傽僌 䯔⮬僯傲㢠僑ờ僸傽僌㥑傷 ᅇ僰傎傰ᐈ傻僤僎僎僨僑ᰤ傮僌傳僅䯕僎傪催Ⰻ傳ఏ⤫傲储僱傏 ྜ⌮ᛶ僪儝兂兠儬傻僨ᚲせ働储僱傲傎ఱ僮僰僨ே僎ே僎僔 ᐦ᥋僐㛵ಀ僸኱஦僑傽傎傰ᐈ傻僤僔僅僧傎ᆅᇦ僔ⓙ傻僤僔 僅僧僑䯔ờ僸傱債䯕ጼໃ僸㈏債傹僎傲኱ษ働储僱僎傪催ᛮ傪僔僨 僎傎Ⰻ傳ఏ⤫僸ᘬ傳⥅傪働傪債傏 Ḫ ɶᚘ Ẑᵬᶃᶕᴾᵱᶒᵿᶅᶃᴾᵐᵎᵏᵒᴾ῍൱ửẦẮạ῍ẑ ᵐᵎᵏᵓ࠰ᵗஉ஖ ൿምᛟଢ˟ ᵮᵌᵏᵕ

19. Slide 19: Medium-term management plan New Stage 2014

    ᾀώɶᚘỉỴỸἚἻỶὅ ṞNew Stage ἉἼὊἌỉႸਦẴ᤼ᘍ΂ ୰ᮇ⤒Ⴀィ⏬傍傘New Stage 儛兎兠儞備 䢳䣵䣶䢢䣕䣶䣣䣩䣧 䢴䣰䣦䢢䣕䣶䣣䣩䣧 䢵䣴䣦䢢䣕䣶䣣䣩䣧 New Stage 2011 New Stage 2014 New Stage 2008 䡚ඖẼ䜘䛟䡚 䡚ờ䜢䛛䛣䛖䡚 㻞㻜㻜㻤ᖺ㻠᭶䡚㻞㻜㻝㻝ᖺ㻟᭶ 㻞㻜㻝㻝ᖺ㻠᭶䡚㻞㻜㻝㻠ᖺ㻟᭶ 㻞㻜㻝㻠ᖺ㻠᭶䡚㻞㻜㻝㻣ᖺ㻟᭶ ┠ᣦ傿㖟⾜ീ ᅜෆ儬儧儻児儽兏僔儙兠儷儝僸ᆅඖ働ᥦ౪傽 傰ᐈ傻僤僎僎僨僑ᰤ傮僱஑ᕞ䱆䢳儴兗儓 ᆅඖ僔傰ᐈ傻僤僑 ᆅඖ僔傰ᐈ傻僤僎僎僨僑ᰤ傮僱 ᅜෆ儬儧儻児儽兏僔儙兠儷儝僸ᥦ౪傿僱 凚ᆅᇦ僔⦾ᰤ僎ᙜ⾜僔⦾ᰤ僕

20. Slide 20: Third stage plan and basic strategy

    ᾀώɶᚘỉỴỸἚἻỶὅ ṟɶᚘỉἧἾὊἲὁὊἁ ୰ᮇ⤒Ⴀィ⏬ ẐNew StageἉἼὊἌẑ ỂႸਦẴ᤼ᘍ΂ ‫׎‬ϋἚἕἩἾἫἽỉἇὊἥἋử‫ע‬ΨỂ੩̓ẲẆấܲẰộểểờỆ௿ảỦʋ߸ᵬᶍᵌᵏἢὅἁ 3rd Stage 傘New Stage 2014 到ờ僸傱傹催到備 僔儗兗償儻儬 傰ᐈ傻僤僔僅僧僑傎儔兏兠儻僔⥲ຊ僸⤖㞟傽傎傻僯僐僱ᡂ㛗僸ᅗ僱 傘㡿ᇦᣑ኱兟㉁ⓗⓎᒎ儝優兠儜備 ୺せ᪋⟇ 储僱僟傳㖟⾜僎傽僌 凩僊僔ㄢ㢟 ồ僧僯僲僱儹儅儓儣兠 ᾃếỉؕஜ৆ဦ 凚୰ィ⟇ᐃ᫬凛 ấܲẰộ࣓Ӽ ʴ ᧓ щ ỉ Ӽ ɥ ᎋ ả Ủ փ ಅ ỉ ‫ ܭ‬ბ 傰ᐈ傻僤ᑐᛂຊ僔ྥୖ ࢫࣆ࣮ࢻឤࢆᣢࡗ࡚ࠊከᵝ໬ࡍ

21. Slide 21: Plan for the next stage

    ᾀώɶᚘỉỴỸἚἻỶὅ ṠɶᚘỉἅὅἍἩἚ ୰ィ僔儗兗償儻儬 傰ᐈ傻僤僔僅僧僑傎 儔兏兠儻僔⥲ຊ僸⤖㞟傽傎傻僯僐僱ᡂ㛗僸ᅗ僱 傘㡿ᇦᣑ኱兟㉁ⓗⓎᒎ儝優兠儜備 㡿ᇦᣑ኱ ㉁ⓗⓎᒎ „ Ⴀᴗ儌兎儆僔ᣑ኱ „ ே㈈僔児儽兏儆儧儻 ᆅඖ兟⚟ᒸ僔⇚Ⅿ僐➇த働ᇵ僵僲僅 䯔儷儜儱儝㠃働僔儲儊儳儊䯕僎䯔傰ᐈ傻僤僎ᚰ傲㏻傪ྜ催ே㛫ຊ䯕 傘ᅜෆ儬儧儻児儽兏僔儙兠儷儝備僸傎┴እ僔᪂ 僎僸ව僓ഛ傮僅ே㈈僸⫱ᡂ傏 僅僐Ⴀᴗ儌兎儆僑傰傪僌✚ᴟᒎ㛤傏 „ 儥兇儱兏僔児儽兏儆儧儻 ᗑ⯒僔ᡓ␎ⓗ儝儓免儧儻䢨儷兏儭僎䣋䣅䣖僔ά⏝僑僮僰傎ຠ⋡ᛶ僎 „ 儷儜儱儝ศ㔝僔ᣑ኱ 儓儎兎優儇僔㧗傪儽儝儬元儧儓儝儥兇儱兏僸ᵓ⠏傏 儔兏兠儻඲య

22. Slide 22: Fiscal 2015 management policy

    ᾀώɶᚘỉỴỸἚἻỶὅ ṡἨἻὅἛἿỶἶἽἘỵỉܱྵ ‹ оᇌࢸᵏᵎ࠰ầኺᢅẲẆἨἻὅἛщỊႻ࢘ᆉࡇӼɥẲẺờỉỉẆ̔໱ểẲềἨἻὅἛἿỶἶἽ Ἐỵầᛢ᫆ẇ ‹ இ᭗ԼឋỉՠԼὉἇὊἥἋỉ᧏ႆể‫ܭܤ‬ႎễ੩̓ỆợụẆẐἨἻὅἛщỉӼɥẑử‫׋‬ụẆ஖ ࢳửឬảẺἇὊἥἋỂấܲẰộỉज़ѣὉज़᥄ửоЈẴỦẮểỆợụẆẐἨἻὅἛἿỶἶἽἘỵỉ Ӽɥẑửܱྵẇ ୰ィ僸㋃僤傮僅 䢴䢲䢳䢷ᖺᗘ⤒Ⴀ᪉㔪 僔儑兠兟允儈兗儬 儺免兗儭ຊ僔せ⣲ ䷵ ἨἻὅἛщỉӼɥ ἨἻὅἛἿỶἶἽἘỵỉӼɥ ᭱㧗ရ㉁僔 ၟရ兟儙兠儷儝僸 ᮇᚅ僸㉸傮僅儙兠儷儝僑 傰ᐈ傻僤僔僅僧僑㛤Ⓨ ே㛫ຊ僔ྥୖ 傰ᐈ傻僤傲ឤື兟ឤ㖭 ⪃傮僱

23. Slide 23: Key strategies and initiatives

    ᾁώɶᚘỉɼᙲ଀ሊỉನ঺ ᡓ␎ศ㔝 ᪋⟇僔᪉ྥᛶ ୺せ僐ྲྀ⤌僥 伪ᑗ᮶僸ᢸ催ⱝᡭ⾜ဨ僔ቑຍ僎儴兎光兠儆儧儻 ᪂༞᥇⏝䢷๭ቑ ⱝᡭ⾜ဨ僔⫱ᡂ傍P.23 伪ዪᛶ僔ά㌍᥎㐍僑ྥ傷僅ྲྀ⤌僥 ୧❧ᨭ᥼ไᗘ僔฼⏝ಁ㐍 ዪᛶ⾜ဨ僔ά㌍᥎㐍傍P.23 ே㛫ຊ僔ྥୖ 伪㐺ᮦ㐺ᡤ僔ே஦㐠⏝ ⱝᡭ兟ዪᛶ僔✚ᴟⓏ⏝傎儝儾儛兇兎儝儬ே㈈僔⫱ᡂ ே㈈ᡓ␎ 伪ാ傳᪉僔ኚ㠉僑ྥ傷僅ྲྀ⤌僥 儣儈兄兂儱儜充兗儬僔ᚭᗏ 伪⟶⌮⫋僔ព㆑ᨵ㠉僎儝儑兏儆儧儻 兂儱儜充兗儬儝儑兏僔児儽兏儆儧儻 処 僊 僔 伪傰ᐈ傻僤僞僔儙兠儷儝ရ㉁僔ྥୖ ᵝ傑僐どⅬ傱僯僔ၟရ兟儙兠儷儝僔㛤Ⓨ傍P.24 ᡭ⥆傳僔฼౽ᛶྥୖ傍P.24 ⪃傮僱Ⴀᴗ ᇶ 伪傰ᐈ

24. Slide 24: Improving human capital

    ே㛫ຊ僔ྥୖ ᾂώᒉ৖ᘍՃᏋ঺ể‫៫෇ࣱڡ‬ਖ਼ᡶ ே㈈ᡓ␎ ‹ ỿἵἼỴ૙ᏋỉΪܱỆợụẆཋʙửɼ˳ႎỆᎋảỦᒉ৖ᘍՃửᏋ঺ẇ ‹ ἑỶἲἰ἟ἊἳὅἚሁỆợỦᎰ‫ئ‬ỉḛ΁Ẩ૾ỉ‫٭‬᪃ḜởẆᄂ̲ὉʴʙሁỆợỦḛ΁Ẩဍ૭ỉо ЈḜỆӕụኵỚẆ‫ࣱڡ‬ᘍՃỉ෇៫ửਖ਼ᡶẇ ᒉ৖ᘍՃỉᏋ঺ ‫ࣱڡ‬ᘍՃỉ෇៫ਖ਼ᡶ 儑兇兎儆ᩍ⫱僔඘ᐇ 儑兇兎儆儆儧儻ព㆑㔊ᡂ 僎 儱儧儬兓兠儓ᵓ⠏ „ ỿἵἼỴ᧏ႆСࡇ „ ‫ࣱڡ‬ỿἵἼỴỴἕἩᄂ̲ᵍἰ἟ἊἳὅἚᄂ̲ ⱝᡭ⾜ဨ傲傎୺యⓗ僑ᑗ᮶僔傘ክ僎┠ᶆ備僸᫂☜僑ᐃ僧傎 ᑗ᮶僔⟶⌮⫋ೃ⿵⪅傲ᑐ㇟傏儑兇兎儆儆儧儻ព㆑僔㔊ᡂ傎兂儱儜 僃僔ᐇ⌧僑ྥ傷僅ලయⓗ僐ᡭẁ兟儝儕儜光

25. Slide 25: Enhancing products and services

    ⪃傮僱Ⴀᴗ 僤僱傺僎儙允兠儬僔඘ᐇ ᾃώឋỉ᭗ẟἇὊἥἋỉ੩̓ ṞʴဃộỦắểἇἯὊἚỉΪܱ ⤌⧊ᡓ␎ 儥兇儱兏ᡓ␎ ‹ ɭˊởἻỶἧἋἑỶἽỉᢌẟỆࣖẳẺẆಮẉễᙻໜẦỤỉՠԼὉἇὊἥἋử᧏ႆẇӷ଺ỆẆ ৖ዓẨỉМࣱ̝ửᡙ൭ẇ ಮẉễᙻໜẦỤỉՠԼὉἇὊἥἋỉ᧏ႆ ৖ዓẨỉМࣱ̝Ӽɥ ዪᛶ僔どⅬ 僮僰儝儸兠儫儇僑 „ ዪᛶ僔ឤᛶ僸ྲྀ僰ධ僲僅 „ 儑兇儧儛光儏兠儭ᗑ㢌༶᫬Ⓨ⾜儙兠儷儝 傠䢴䢲䢳䢷ᖺ䢻᭶㛤ጞ傡 ᪂儫儚儈兗僔⏕యㄆド䣋䣅儏兠儭 儏兠儭僔傰⏦㎸僥凚⣮ኻ兟◚ᦆ➼僑僮僱෌Ⓨ⾜僸ྵ僦凛傱僯傰ᒆ傷僤 傠䢴䢲䢳䢷ᖺ䢶᭶㛤ጞ傡 働僔᫬㛫僸▷⦰傏 „ ዪᛶᑓ⏝ 儹兎兠兑兠兗 傘儑児儈僔元儏儣備 傠

26. Slide 26: Regional characteristics and store development

    ⪃傮僱Ⴀᴗ 僤僱傺僎儙允兠儬僔඘ᐇ ᾃώឋỉ᭗ẟἇὊἥἋỉ੩̓ ṟ˖ಅộỦắểἇἯὊἚỉΪܱ ⤌⧊ᡓ␎ 儥兇儱兏ᡓ␎ ‹ ˖ಅỉἻỶἧἋἘὊἊỆࣖẳẺἇἯὊἚởẆ঺ᧈἥἊ἟Ἃ‫ᧉݦ‬ỉἇἯὊἚễỄẆ˖ಅỉ‫ٶ‬ಮ ễἝὊἌỆѼਙႎẦếẨỜኬẦỆ‫ࣖݣ‬ẇ ἻỶἧἋἘὊἊỆࣖẳẺἇἯὊἚ ঺ᧈἥἊ἟Ἃ‫ᧉݦ‬ỉἇἯὊἚ ๰ᴗ 儼兏儝儕儆 „ 傘䣓䣄➨୍ྕ儹儅兗儭備 到஑ᕞ኱Ꮫ傲᭷傿僱▱㈈僔஦ᴗ໬僸ᨭ᥼到 „ ἲே儡兎光兠儛克兗㒊僑僮僱ᑓ㛛僔儙允兠儬యไ 䞞⏘Ꮫ㐃ᦠᶵᵓ஑ᕞ䠄஑኱䛾≉ᐃ㛵㐃఍♫䠅䚸ᆅᇦ䛾஦ᴗ఍♫➼䛸䛾ඹྠฟ㈨ „ ་⒪⤒Ⴀኈ僔㈨᱁ྲྀᚓ 凚㈨᱁ಖ᭷⪅ᩘ 䢴䢲䢳䢷ᖺ䢳䢲᭶ᮎ凬䢶䢴䢺ྡ凛

27. Slide 27: Enhancing consulting functions

    僤僱傺僎儙允兠儬僔඘ᐇ ᾄώἓἵ἟ἽỉೞᏡࢍ҄ Ṟ‫؏ע‬ཎࣱỆࣖẳẺࡃᑄ‫᧏ޒ‬ 儥兇儱兏ᡓ␎ ‹ ‫؏ע‬൑ỉཎࣱίấܲẰộ‫ޖ‬ẆᘑɳỚẆἰὊἃἕἚỉ঺ᧈࣱễỄὸỆࣖẳẺ஖ࢳࢫлử៊ộảẆ ཎࣉẝỦೞᏡửͳảẺࡃᑄử‫᧏ޒ‬ẇ ἅὊἯἾὊἚփಅೞᏡầΪܱẲẺჄ‫ࡃٳ‬ᑄ ‫؏ע‬ỉ˰ൟởᘑɳỚỆ݃ụชẾẺࡃᑄ ⇃ᮏႠᴗ㒊 凚䢴䢲䢳䢷ᖺ䢳䢴᭶儝儣兠儬凛僔ሙྜ ඵዪᨭᗑ 凚䢴䢲䢳䢶ᖺ䢺᭶兎儯光兠儆兏儎兠儻兗凛僔ሙྜ ᗑ⯒僔≉ᚩ ᗑ⯒僔≉ᚩ „ ୰஑ᕞ傱僯༡஑ᕞ僸⤫ᣓ傿僱ᡓ␎ᣐⅬ僑㐺傽僅ே㈈ „ Ṕྐ储僱⾤୪僥僑储僵僁傎ⓑቨ僋債僰僸儈充兠儜傽僅እほ僸᥇⏝傏 „ す᪥ᮏ儛優儇䣖䣖ドๆ兴僔儙優免儈

28. Slide 28: Expanding business model

    僤僱傺僎儙允兠儬僔඘ᐇ ᾄώἓἵ἟ἽỉೞᏡࢍ҄ ṟἙἊἑἽἓἵ἟ἽỉΪܱ 儥兇儱兏ᡓ␎ ᶵ⬟ᙉ໬ᡓ␎ ‹ ἙἊἑἽἓἵ἟ἽỉΪܱỆợụẆấܲẰộỉМࣱ̝Ӽɥể੩కщỉࢍ҄ửܱྵẇ ỶὅἑὊ἟ἕἚἢὅỿὅἂỉೞᏡਘΪ ࡃ᪽ἇὊἥἋὉฏ‫ٳ‬փಅỉૼ἖ὊἽỉ‫ݰ‬λ Ỵ῭儙兠儷儝僔ᣑ඘ „ 儣儺児儧儬➃ᮎ傘䣐䣅䣄儝兂兠儬兟儺免兗儥備僔ᑟධ „ ಶே儈兗儣兠儱儧儬儴兗儑兗儔傘䣐䣅䣄儤儈児儓儬備僑僮僱 ஑ᕞึ 傠䢴䢲䢳䢷ᖺ䢵᭶௨㝆㡰ḟᑟධ傡 䯔ᙜ⾜ᮏᨭᗑ㛫 ༶᫬᣺㎸䯕僔䢴䢶᫬㛫䢵䢸䢷᪥ᑐᛂ 傠䢴䢲䢳䢷ᖺ䢷᭶㛤ጞ傡 䢴䢲䢳䢷ᖺᗘ୰僑傎䢳䢮䢷䢲䢲ྎ凚ᗑ㢌儙兠儷儝⏝䢶䢲䢲ྎ傎΅እႠᴗ ⏝䢳䢮䢳䢲䢲ྎ凛僸㓄ഛ

29. Slide 29: Expanding business areas

    Ⴀᴗ㡿ᇦ僔ᣑ኱ ᾅώփಅỺἼỴỉਘ‫ٻ‬ 儌兎儆ᡓ␎ ‹ ‫ע‬ΨὉᅦ‫ޢ‬ỉ༑ໟễᇤʗỂؔỪủẺἇὊἥἋửẆૼẺễփಅỺἼỴỆᆢಊ‫᧏ޒ‬ẇ ‹ ᬍᣃ‫ח‬ኺฎỉ෇щửẆ‫ע‬Ψ‫؏ע‬ỉ෇ࣱ҄Ệஇ‫ٻ‬ᨂ෇ဇẇ ᅦ‫ޢ‬Ⴤ‫ٳ‬ồỉᆢಊ‫᧏ޒ‬ ‫ע‬Ψểிʮỉἰἕἓὅἂ „ ᗑ⯒ᶵ⬟僔ᙉ໬ „ ஑ᕞෆ௻ᴗ僔ᮾி㐍ฟ儯兠儞僞僔ᑐᛂ ⚟ᒸ┴እᗑ⯒僔ᘓ᭰傮 ⚟ᒸ┴እ僔୺せ㒔ᕷ僔ᗑ⯒僸 傠䢴䢲䢳䢵ᖺ䢶᭶傡 ୗ㛵ᨭᗑ 䢴䢲䢴䢲ᖺ僔ᮾி儎兎兗儸儧儓㛤ദ僸᥍傮傎ᮾிᅪ僞僔୍ᴟ㞟 㡰ḟᘓ僌᭰傮傎儔兏兠儻僔ከᵝ僐 傠䢴䢲䢳䢵ᖺ䢷᭶傡 ᐑᓮႠᴗ㒊 ୰傲ຍ㏿傽僌傪僱傹僎僑క催傎ᆅඖ௻ᴗ僔ᮾி㐍ฟ儯兠儞僞 儗兗

30. Slide 30: Contribution to regional development

    ᾆώ‫؏ע‬ਰᐻồỉᏡѣႎ᧙ɨ Ṟ᧏ႆἩἿἊỹἁἚởỶὅἢỸὅἛồỉ‫ࣖݣ‬ ᆅᇦ僎僔ඹᰤ ‹ ‫؏ע‬ỉཎࣉỂẝỦḛ‫᧏׹ٻ‬ႆἩἿἊỹἁἚḜởḛỶὅἢỸὅἛỉ‫ف‬ьḜỆᆢಊႎỆ‫ࣖݣ‬ẲẆ‫ע‬ ؏ᅈ˟ỉႆ‫ޒ‬Ệᝡྂẇ ‫׹ٻ؏ע‬ἩἿἊỹἁἚồỉ᧙ɨ ỶὅἢỸὅἛ‫ف‬ьồỉ‫ࣖݣ‬ 凚ཧ⪃凛௦⾲ⓗ僐儻兑儜儋儓儬僔ᴫせ ᆅඖၟᴗ᪋タ僔儙允兠儬 „ ⚟ᒸᕷኳ⚄ᆅ༊僔෌㛤Ⓨ傘ኳ⚄儷儧儔儴兗備 „ ほගᆅኴᐓᗓ僔ၟᗑ⾤ྥ傷償元儮兠 ⚟ᒸᕷ傘儔兑兠儴兏๰ᴗ兟㞠⏝๰ฟ≉༊備僔つไ⦆࿴僑僮僰傎 እᅜேほගᐈ僔ゝㄒ兟ᩥ໬僸Ꮫ僜償元儮兠僸㛤ദ傏 ኳ⚄ᆅ༊僔Ẹ㛫儷兏䢵䢲Ჷ僔ᘓ᭰傮傲㐍ᒎ傏 傖ᘓタ㈝傗

31. Slide 31: Regional revitalization initiatives

    ᾆώ‫؏ע‬ਰᐻồỉᏡѣႎ᧙ɨ ṟ‫؏ע‬оဃồỉӕኵỚ ᆅᇦ僎僔ඹᰤ ‹ ḛ‫૾ע‬ᐯ඙˳ồỉ΁ẨẦẬḜểḛấܲẰộồỉՠԼὉἇὊἥἋỉ੩̓Ḝỉɲ᩿ỂẆ‫૾ע‬оဃỆ ӼẬẺӕኵỚử‫᧏ޒ‬ẇ ‫૾ע‬ᐯ඙˳ồỉ΁ẨẦẬ ấܲẰộồỉՠԼὉἇὊἥἋỉ੩̓ ᆅ᪉∧⥲ྜᡓ␎僔⟇ᐃ儙允兠儬 ᆅඖ௻ᴗྥ傷 „ ᆅ᪉∧⥲ྜᡓ␎僔⟇ᐃ僑㛵傿僱ྲྀ⤌僥儝儣兗儝僪 „ 傘ᆅ᪉๰⏕儐儈儭儺儧儓備僸Ⓨห 傠䢴䢲䢳䢷ᖺ䢵᭶傡 㔠⼥ᶵ㛵僞僔儯兠儞僸ᢕᥱ 傠䢴䢲䢳䢷ᖺ䢴᭶傡 ᅜ兟ᆅ᪉⮬἞య僑僮僱ᆅ᪉๰⏕㛵㐃僔⿵ຓ஦ᴗ僸傎傰 ᐈ傻僤僔どⅬ傱僯䢻僊僔優兠兂働ᩚ⌮傏 „ 傘ᆅ᪉๰⏕儻兑儜儋儓儬儥兠兄備僸ṇᘧⓎ㊊ 傠䢴䢲䢳䢷ᖺ

32. Slide 32: Reference materials

    ḫᴾਤఇ˟ᅈᚨᇌỆӼẬề ḫ ਤఇ˟ᅈᚨᇌỆӼẬề ᵐᵎᵏᵓ࠰ᵗஉ஖ ൿምᛟଢ˟ ᵮᵌᵑᵏ

33. Slide 33: Strengthening group management

    ᾀώἂἽὊἩዮӳщỉࢍ҄ ‹ ἂἽὊἩኺփሥྸ७Ѭỉϐನሰử‫׋‬ụẆἂἽὊἩዮӳщửࢍ҄ẴỦᚇໜẦỤẆᵐᵎᵏᵓ࠰ᵏᵎ உẆਤఇ˟ᅈᚨᇌỆếẟề౨᚛ử᧏‫ڼ‬ẇ 伪儔兏兠儻఍♫僔ᴫせ 伪儔兏兠儻఍♫僔⤌⧊෌⦅兟ᶵ⬟ᙉ໬僔ἢ㠉 ྡ⛠ ஦ᴗෆᐜ ᙉ僥 ᫬ᮇ ୺僐ෆᐜ 儓児儜儧儬儏兠儭ᴗ ᆅ㖟⣔儏兠儭఍♫働᭱኱僔 䢴䢲䢲䢸ᖺ 䢳䢴᭶ 兴䣐䣖䣖儫兠儣䣐䣅䣄僸タ❧ ஑ᕞ儏兠儭兴 ಙ⏝ಖドᴗ つᶍ兟ᐇ⦼ 䢴䢲䢲䢺ᖺ 䢻᭶ ஑ᕞമᶒᅇ཰兴僔ᙜ⾜ᣢศẚ⋡僸ᘬୖ傸凚䢲䢰䢲䢧䲑䢷䢲䢰䢲䢧凛 ከᵝ僐ရᥞ傮 す᪥ᮏ儛優儇䣖䣖ドๆ兴 㔠⼥ၟရྲྀᘬᴗ 䢴䢲䢳䢲ᖺ 䢷᭶ す᪥ᮏ儛優儇䣖䣖ドๆ兴僸㛤ᴗ 㔜Ⅼ儌兎儆僞僔ᗑ⯒ᒎ㛤

34. Slide 34: Governance initiatives

    ᾁώἅὊἯἾὊἚỾἢἜὅἋ ‹ ἅὊἯἾὊἚỾἢἜὅἋὉἅὊἛỆ‫ࣖݣ‬ẲẺ‫إ‬ԓ୿ửẆஜ࠰ᵏᵏஉᵏᵖଐỆ੩Јẇ ‹ ᵡᶍᶋᶎᶊᶗỊᵕᵎҾЩẇസụỉᵣᶖᶎᶊᵿᶇᶌᵑҾЩồỉ‫ࣖݣ‬ỆếẟềỊẆૼẲẟἂἽὊἩỾἢἜὅἋể ́Ặề౨᚛ẇ 伪儗兠允児兠儬儐儴儮兗儝兟儗兠儭僔䣇䣺䣲䣮䣣䣫䣰䢵ཎ๎僔ෆᐜ ⿵඘ཎ๎䢶䢯䢶䢯䢳 ᙜ⾜僔┘ᰝᙺ఍僕傎ᚑ᮶傱僯傘௦⾲ྲྀ⥾ᙺ備僎ᐃᮇⓗ僑ពぢ஺᥮ 僸⾜催ሙ僸タ傷僌傰僰僤傿傲傎௒ᖺᗘ傱僯傘♫እྲྀ⥾ᙺ備僨傹僔఍ྜ僑 Ⴓ௹ࢫ˟ểᅈ‫ٳ‬ӕዸࢫểỉᡲઃ ཧຍ傿僱傹僎僎傽僌傪僤傿傏 ᙜ⾜僔⊂❧♫እྲྀ⥾ᙺ僕傎⊂❧傽僅ᐈほⓗ僐❧ሙ傱僯ྲྀ⥾ᙺ఍ ⿵඘ཎ๎䢶䢯䢺䢯䢳 僑傰傷僱㆟ㄽ僑✚

35. Slide 35: „ ᮏ㈨ᩱ僕᝟ሗᥦ౪僔僥僸┠ⓗ僎傽僌సᡂ傻僲僅僨僔働储僰傎≉ᐃ僔ドๆ僔኎㈙僸່ㄏ傿僱僨僔働 僕储僰僤僁價傏 „ ᮏ㈨ᩱ僑グ㍕傻僲僅஦㡯僔඲㒊僤僅僕୍㒊僕傎ண࿌僐債ಟṇ僤僅僕ኚ᭦傻僲僱傹僎傲储僰僤傿傏 „ ᮏ㈨ᩱ僑僕ᑗ᮶僔ᴗ⦼僑ಀ僱グ㏙…

    „ ᮏ㈨ᩱ僕᝟ሗᥦ౪僔僥僸┠ⓗ僎傽僌సᡂ傻僲僅僨僔働储僰傎≉ᐃ僔ドๆ僔኎㈙僸່ㄏ傿僱僨僔働 僕储僰僤僁價傏 „ ᮏ㈨ᩱ僑グ㍕傻僲僅஦㡯僔඲㒊僤僅僕୍㒊僕傎ண࿌僐債ಟṇ僤僅僕ኚ᭦傻僲僱傹僎傲储僰僤傿傏 „ ᮏ㈨ᩱ僑僕ᑗ᮶僔ᴗ⦼僑ಀ僱グ㏙傲ྵ僤僲僌傪僤傿傲傎傹僲僯僔グ㏙僕傎ᑗ᮶僔ᴗ⦼僸ಖド傿僱 僨僔働僕僐債傎兎儝儓僪୙☜ᐇᛶ僸ෆໟ傿僱僨僔働傿傏 ᑗ᮶僔ᴗ⦼僕傎⤒Ⴀ⎔ቃ僔ኚ໬➼僑僮僰␗僐僱ྍ⬟ᛶ傲储僱傹僎僑傺␃ព債僆傻傪傏

Nishi-nippon Financial Holdings — H1 FY2015 Earnings Presentation on 6ix