Slide 1: ORIX Bank Corporation
ORIX Bank Corporation Haruyuki Urata President September 27, 2018 0 Company Name Copyright © 2018 ORIX Corporation All rights reserved.
Slide 2: Introduction: Real estate investment loans in ORIX Bank
Introduction “Real estate investment loans” in ORIX Bank Since joining in ORIX group in April 1998, ORIX Bank has been promoting real estate investment loan business taking advantage of real estate related knowledge obtained in ORIX Corp. The main factor is selecting real estate brokers and properti
Slide 3: Examination System
Examination System Policy ✓ Confirm the adequacy of investment objectives based on customer attributes, mainly deal with projects targeting income gains Credit Guideline Condominium Loans Apartment Loans • Customer attributes (stable income, and in principle employed for • Verify future cash flo
Slide 4: Sales System
Sales System Trainings for Employees Real estate related study group led by sales department, sharing fraud / accident cases Compliance training led by risk management department A series of business and administration flow provides the check & balance function. For example, borrower intervi
Slide 5: Governance Framework
Governance Framework ※Risk management system mainly relating to credit risk, operational risk, compliance system, customer protection management system Corporate Auditor/ Board of Directors Board of Corporate Auditors Report Committees Executive Committee · Risk Management Committee · Compliance Com
Slide 6: Condominium Loans
Condominium Loans Borrower attributes Amount and number of loan provided (100 million yen) （億円） (Number) Amount 実行金額 Number (Right) 件数（右軸） Business 3,000 (Left) 12,000 Others 10,363 owner 9,284 Qualified 1.9% 0.5% 2,500 10,000 person 7,096 10.6% 2,000 6,421 6,667 8,000 1,500 6,000 1,000 2,205 1,
Slide 7: Apartment Loans
Apartment Loans Borrower attributes Amount and number of loan provided （億円） (100 million yen) Amount 実行金額 Number (Right) 件数（右軸） (Number) （件） Business (Left) owner Others 1,000 1,023 1,200 3.7% 1.8% 868 1,000 800 798 716 800 Qualified 600 593 person 600 5.5% 400 400 Salaried 531 472 200 336 400 2
Slide 8: Supplementary Materials
Supplementary Materials Copyright © 2018 ORIX Corporation All rights reserved. 7
Slide 9: Performance Trend (1) Net Income
Performance Trend (1) Net Income ➢ Maintain surplus every year since joining ORIX group in 1998 ➢ Achieved an increase in profits for nine consecutive years after the financial crisis and renewed the highest profit for the last five consecutive years (100 million yen) Net Income* ROA 200 1.0% 159 0.
Slide 10: Performance Trend (2) Loans and Deposits
Performance Trend (2) Loans and Deposits ➢ Loan balance steadily increased due to the core real estate investment loans ➢ Funding mainly from the "e direct deposit" for the Internet, and in recent years the loan deposit ratio has remained around 95% while balancing with loans 120% （億円） (100 million
Slide 11: Performance Trend (3) Gross Margin of Capital
Performance Trend (3) Gross Margin of Capital ➢ Investment yield, which had been on a downward trend, reversed to upward trend from the fiscal year 2015/3 due to accumulation of consumer loan balance ➢ Since the fiscal year 2010/3, the funding yield has continued to decline, and in recent years the
Slide 12: Performance Trend (4) Operating Expenses
Performance Trend (4) Operating Expenses ➢ Started consumer loan business in March 2012. The expense ratio increased because of the initial investment but it has been decreasing recently (100 million yen) Operating Expenses Expense Ratio 200 100% Property Personnel 170 170 税金 Tax 物件費 Expenses 人件費 Ex
Slide 13: Performance Trend (5) Risk Managed Loan
Performance Trend (5) Risk Managed Loan ➢ Maintaining low level in the both balance and ratio of risk managed loan (100 million yen) Risk Managed Loan 1.59% 200 1.53% 1.6% 1.39% Risk Managed Loan リスク管理債権（億円） Risk Managed Loan Ratio リスク管理債権比率（右軸） (Right axis) 150 1.30% 1.28% 1.2% 0.97% 100 0.8% 0.63%
Slide 14: Disclaimer
Disclaimer These materials have been prepared by ORIX Corporation (“ORIX” or the “Company”) solely for your information and are subject to change without notice. The information contained in these materials has not been independently verified and its accuracy is not guaranteed. No representations,
Slide 15: ORIX Corporation
For the current IR materials and archives of past financial data please access our website ORIX Website https://www.orix.co.jp/grp/en/ IR Section https://www.orix.co.jp/grp/en/ir/ ORIX Corporation Corporate Planning Department World Trade Center Building., 2-4-1, Hamamatsu-cho, Minato-ku, Tokyo 105-