Nishi-nippon Financial Holdings, Inc. · TSE:7189
Nishi-nippon Financial — FY2025 Earnings Presentation
50 slides from Nishi-nippon Financial's earnings presentation, May 28, 2026
Slide 1: “%,, WAAFH
Ww “%,, WAAFH 2026F3AHA RESHS 202645A28A Most BARI F YI vPIVM-IFAYIA
Slide 2: Agenda
ম峘崿嵔崤嵛崮嵤崟嵏嵛 અৱમ ᅚ ᅚ ⋛岜ౚ ౚ峕ঢ়峃峵ଓଌৱમ ؝岜ৠ峘ਏ ؝ڭ3/ ع 岜岜ৱসਹஇ ؝ڮ%6 ع 岜岜岡$SSHQGL[岢সਹಊ峕峲峵ઽஇ୶ ؝گਏྠ峘ଋ嵣ਹ峴嵣ਹඅ 岧1&%৬岨 كقলসਹඅق1&%৬ك ؝ڰથଊ峘ଋৈ嵣௬இ 岧1&%৬岨 كقসಉਹඅق1&%৬ك ؝ڱਦ৷崛崡崰峘েਏશ 岧1&%৬岨 كقથଊਹඅଦਊসق1&%৬ك ؝ڲঽഞৱমૻ૨ 岧岜৴岜岜岨 岜岜૽ਜਬಉਹஇ 岜岜৽ા 岜岜ਦ৷崛崡崰 岜岜ౚ୳
Slide 3: Results overview
⋛Ńౚ ⋛ ౚ ŕœŕřফŖা ৠହভ ųőŕ ŕ
Slide 4: Summary of results
Ŕ؝ৠभਏ u ফাभভઙपషരघॊਊෞਹஇमؚৱসਹஇभੜਸ॑धखथؚૻٔ भ؛ ٹ৴இ ٛভઙपషരघॊਊෞਹஇभૻੜਏٜ ৰౚ ૻ ৰౚ قਜ਼؟ك $ $% % ৱসਹஇ ૽ਜਬ كڭپق ಉਹஇ قਜ਼؟ك ਜ႗ਹஇ ٔ ٔ ق崛崊ਜ႗ਹஇك ٺ ৱসਹஇ થଊ ٺ 崕嵋崼崧嵓இ ٺ 岜ق岰峋ਦੰ৺இك ⋇ ৽ા ٺ كڮپق ਦ৷崛崡崰 ٺ ૽ਜਬಉਹஇ ٺ 峇峘 ્ਬਹஇ ٺ ق১যઘಉ
Slide 5: Consolidated results (1) Net interest income
ŕ؝ৱসਹஇ u ফাभৱসਹஇमؚসਹඅઽ੍ऋੜਸखञऺऊؚથଊਹඅଦਊসभੜਸऩनप ेॉؚૻभ؛ u ফাमؚૻभपऩॊुभध୳؛ ش ਦੰ৺இपणःथमؚবઝଊभো౹इपൣअবઝಉઝଊஇभ૾யपૢगथؚฑໞपৌૢ؛ ٹৱসਹஇभੜنਏશقه৴ك قਜ਼؟ك قਜ਼؟ك ܒ ܒ >୳@ >ੁসਹभ@ ফাप୯ਸਹऑكܒق ٔ ٔ ٔ ٔ كق ٺ كق ٺ ٔ ٔ ٺ ٔ ٺ ٔ
Slide 6: Net interest income and securities
ٌŤƓƓƈƑƇƌƛٍসਹಊपेॊઽஇ୶ u ৃসਹभಊमؚসਹ⍠भఁপಉ॑ৢगؚਊౚपউছ५୶॑ुञैघৄৢख؛ ٹਧম३ॸॕষभోংছথ५३ॺشଡୗ ٹઽஇ୶قৱসਹஇك نૻپ هংছথ५३ॺشमাଜभଡਛ॑घॊ ٛଜৎਡभઈ৷؞৹ଡୗٜ সਹ३ॼজड़⋇ ੁসਹ সਹ३ॼজड़⋈ ੁসਹ قাपषਹऑك قাपؚাपषਹऑك ऐসؙூ ৃ৹ؙூ قਜ਼؟ك قਜ਼؟ك થଊؙூ ৱসਹஇੜਸ ଃਜলস
Slide 7: Consolidated results (1) Fees and commissions
ŕ؝ৱসਹஇقŔكলসਹඅقűŦť৬ك u ফাभলসਹඅमؚਹॉभಊृؚহਙলস؞যটشথधुपଋৈऋම৹प ੜਸखञऒधपेॉؚૻٔभ؛ u ফাमؚૻٔभपऩॊुभध୳؛ ٹলসਹඅ؞ਹॉ ٹলসभଋقऎଃਜলসك قਜ਼؟ك قਜ਼؟ك হਙলসق岹ଃਜলসك 嵕嵤嵛 হਙলস 嵕嵤嵛 ଃਜলস ਹ峴 嵕嵤嵛 ਹ峴 岹ଃਜলস >@ نফ૨ه هٔن هٔن
Slide 8: Consolidated results (1) Expenses
ŕ؝ৱসਹஇقŕكসಉਹඅقűŦť৬ك u ফাभসಉਹඅमؚসଋৈऋੜਸ੦৹॑घॊরؚসসਹਬऑपൣअਹॉ ಊ॑धखथؚૻٔभ؛ u ফাमؚૻٔभपऩॊुभध୳؛ ٕ সਹඅभੜਸ॑লসਹඅभੜਸऋॉؚসਹඅઽ੍भপ்ऩੜਸऋಲਢ؛ ٹসಉਹඅ؞ਹॉ قਜ਼؟ك ٹসಉभଋ قਜ਼؟ك قઅكসਹඅઽ੍؞ਹ⍠ قਜ਼؟岝٫ك ਹඅ ਹ峴 য ১য जभ ٔES 1.10 پ
Slide 9: Consolidated results (2) Credit costs
ŕ؝ৱসਹஇقŖكથଊਹඅଦਊসقűŦť৬ك u ফাभથଊਹඅଦਊসमؚਦੰ৺இभੜਸऩनपेॉૻٔभ؛ u ফাमؚૻٺقਦੰ৺இ॑ऎधٔكभपऩॊुभध୳؛ ٹથଊਹඅଦਊস؞ਹॉ قਜ਼؟ك ٹથଊଋৈقଋك قਜ਼؟ؚফك বઝଊ ਗবଊ ઙૄ؞ৱਦಉ ਦੰ৺இ বઝଊ ਗবଊ ઙૄ؞ৱਦಉ ٫ ઝ崯嵍嵔 嵤崟嵏嵛 ٫ ٫ ਹ峴 ਗઝ崯嵍嵔 ٫ 嵤崟嵏嵛 قஅ峪ਦੰ৺இ
Slide 10: Consolidated results (2) Net income
Ŗ૽؝ਜਬಉਹஇ u ফাभ૽ਜਬಉਹஇमؚ১যঢ়৴ুਯમृৠੋঢ়৴ুਯમؚଊভपउऐॊॉৱ ਓঢ়৴ুਯમऩनभੜਸपेॉؚૻभ؛ u ফাमؚૻٔभपऩॊुभध୳؛ ૽ ٹਜਬಉਹஇق৴قك1&%৬ك قਜ਼؟ك जभभভಉ ق1&%भك 1&%5 & ॉৱਓঢ়৴ 1&77ଊ ১যঢ়৴ বನ౹؞$70؞ઠౠஷ౹ ృପढ़ॻش 1&% जभઽஇ 39 ૽ਜਬಉા৷ 35 34 5 ૽ਜਬಉਹஇ 32 5 4 4 31 33 36 27 31 4 5
Slide 11: Consolidated results (3) Capital
ŗ৽؝ા u ফাभ৽ાमؚ൛ऑपൣअয੯ાृਅറৱپपൣअ੯ાभੜਸऩनपेॉؚ ૻٔभپ؛ৗ&50३५ॸؚৗ३५ॸಉ u ফাमؚૻٔभपऩॊुभध୳؛ ৽ ٹાق৴قك1&%৬ك ੯ા য੯ા ઘস ق1&%峘ك قਜ਼؟ك 䝁䜰OHR䠄㝖䛟ᢞಙゎ⣙ᦆ┈䠅 䝁䜰OHR ઘস ٫ ٫ ٫ য੯ા ٫ 崟崡崮嵈ঢ়৴ ٫ ٫ ٫ ٫ ๘ಉਝ 峇峘峘੯ા ৗমঢ়৴৽ા॑௶ॉा ٫ ق63&ऊैभਭଦਊಉ॑அीञॺش ٫ ॱঝभઽஇ୶પमٺ
Slide 12: Forecast
Ř؝ਦ৷॥५ॺ u ফাभਦ৷॥५ॺमؚૻभधऩढञऋؚਦ৷॥५ॺ૨ҩਂଐઝਥૻ૨ मਬਢऌ॑؛ u ফাमؚૻٔभ॑୳؛ ٹਦ৷॥५ॺق৴ك قਜ਼؟ك يઅًসગে১৫ંઝਥق1&%৬ك ৳ஹਬਊ 峇峘 ਦ৷崛崡崰૨ ü ਂଐઝਥૻ૨मؚऽञਂଐઝਥपৌघॊ ৳৸૨پमৈ॑؛ قਜ਼؟ك岜 ਏଵ৶ઝਥ ૫ઝਥ ਂଐઝਥૻ૨ ਓಌেઝਥಉ ৳৸૨ ਊਝয়ਰఋ峘 க峙٫ ଜ ଜ ଜ ଜ ଜ
Slide 13: Summary of results (continued)
ř؝ౚ୳ u ফাभভઙपషരघॊਊෞਹஇमؚসਹඅઽ੍भੜਸಉपेॊৱসਹஇभ ੜਸ॑धखथؚૻभपऩॊुभध୳؛ ٹ৴இ ٛভઙपషരघॊਊෞਹஇ ୳ भૻੜਏٜ ୳ ૻ ৰౚ قਜ਼؟ك ⋈થଊ قਜ਼؟ك $ $% % һҰӏӣӄӝஇ ⋇ৱসਹஇ ૽ਜਬಉ كڮپق ਜ႗ਹஇ كڭپق ਹஇ ٔ ق崛崊ਜ႗ਹஇك ٔ ٔ ৱসਹஇ 岜ق岰峋ਦੰ৺இك ⋇ ٺ ૽ਜਬಉਹஇ ٺ ٺ ⋉৽ા ٺ ਦ৷ ٺ
Slide 14: Medium-term management plan
⋜ ৽ਅറ عর৽ੑَਟુŕœŕŜُع ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŔŖ ŔŖ
Slide 15: ųőŔŗ ऽङؚমরੑभইঞشডشॡपणःथؚओହखऽघ؛ ঌش४पॉऽघ؛ Ŕŗ
⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŔŗ ऽङؚমরੑभইঞشডشॡपणःथؚओହखऽघ؛ ঌش४पॉऽघ؛ Ŕŗ
Slide 16: Review of previous management plan
Ŕ؝র৽ੑَఄᵷŕœŕřُभஷॉନॉ u রੑदमَؚজঞش३ঙথ३ॵউҩঐॿ४ওথॺभਘ৲ُ॑ਏॸشঐपൕऑؚரੁ॑ାৰ पৰষ؛जभટڰؚणभਏ.3,म৸थ৯ఏ॑ਛखञऺऊؚउऔऽ؞జ৩؞ৱੇभਊप ৌघॊ௬मःङोुఒ؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŔŘ রੑदमَؚজঞش३ঙথ३ॵউ؞ঐॿ४ওথॺभਘ৲ُ॑ਏॸشঐपൕऑؚऔऽकऽऩੁ पॉੌ॒दऽःॉऽखञ؛ जभટؚ৴ਊෞਹஇ॑मगीधघॊणभਏ.3,मघसथ৯ఏ॑ਛघॊऒधऋदऌञऺऊؚ
Slide 17: Medium-term plan overview (1)
ŕ؝ਊॢঝشউ॑ॉඕऎ৽୭ قŔكਏऩভୖधउऔऽॽش६भ৲ҩৈ২৲ u যઠҩৈೡ৲ृॸॡঀট४شभਤ৲ؚসਹ୭भ৲ऩनؚভҩ৽ੋ୭भ৲ऋਸச घॊরؚ੫؞য؞ୠभୖҩॽش६मध৲؞ৈ২৲؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŔř ঌش४धঌش४मؚਊॢঝشউ॑ॉඕऎ৽୭दघ؛ ਗ୭॑ৄநघधؚযઠ؞ৈೡ৲ृেਛ$,ಉभॸॡঀট४شभਤ৲ؚসਹभँॊ਼ੀभ งਟऩनؚভੋ৽؞୭भ৲ऋਸசखथउॉؚ
Slide 18: Medium-term plan overview (2)
ŕ؝ਊॢঝشউ॑ॉඕऎ৽୭ قŕك੪ృପૣ؞ળभঐॺॵॣش୭ u ਊॢঝشউभਏೕदँॊృପҩૣળम৽ੋৡप୕ाੱؚपउऐॊপગ৫উট४ख़ॡ ॺृ৬॑রੱधखञਓૐऋਤिऺऊؚॖথংक़থॻਏुቬాऩؚ౩ऽोञঐॺॵॣش୭؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŔŚ ऒभঌش४दमؚ੪ృପૣ؞ળभঐॺॵॣش୭॑उંखखथःऽघ؛ ਊमপગ৫উট४ख़ॡॺृ৬॑রੱधखञਓૐऋਤिऺऊؚॖথংक़থॻਏुቬ ాऩ౩ऽोञঐॺॵॣش୭पँॉؚਬऌਢऌؚ
Slide 19: Management vision and basic policy (1)
Ŗ؝ਊॢঝشউभோਔଝधக قŔ৽ك৶ط৯घطக௴؞ਅറ॥থ७উॺ u ਊॢঝشউमؚৈःಂध༵ॉ॑ढथৎ৻भ৲पిૢखؚउऔऽҩୠधधुपਛশखथऌञ؛ u ০ৗञपَশप৯घُ॑ਝघॊधधुपؚਊॢঝشউऋଳघॊக௴؞ਅറ॥থ ७উॺ॑ीथન৲؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŔś ઃपؚਊॢঝشউभோਔଝधகदघ؛ ऒभঌش४मؚਊॢঝشউभ৽৶ृমরੑदৗञपीञশप৯घَؚୠषभ ൴ُृَउऔऽਸ਼
Slide 20: Management vision and basic policy (2)
Ŗ؝ਊॢঝشউभோਔଝधக قŕكୠभனपऐञਊॢঝشউभ൴ u ਊॢঝشউमؚౄৰखञ९জগش३ঙথਃચ॑গشঐথॱॵॳधॹ४ॱঝभએदखؚ੫ भਛশधযभउऔऽभ௹ऊऩථैख੍॑इॊधधुपؚୠਓभୗ؞ણਙ৲ृ౻৷भলؚ ऽठभዖॎः॑েाলघऒधदؚୠভधਊॢঝشউभਢऩਛশ॑ৰਠखथःऎ؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŔŜ ऒभঌش४मؚਊॢঝشউभౄৰखञ९জগش३ঙথਃચؚ॑গشঐথॱॵॳधॹ४ॱঝद खؚୠ
Slide 21: Management policy and strategies
ŗ؝শप৯घधমরੑभਜ਼઼तऐ u ਊॢঝشউमَؚउऔऽऊैभ੍॑ৈीऩऋैؚઽஇৡ॑৯घُधःअরੑभ৯ఏ ॑னऔचَؚउऔऽ؞ୠ؞జ৩؞ઙऊैਈु੍औोؚ৭योॊୠসॢঝشউُधऩ ॊऒध॑শप৯घ؛ u মরੑमؚजभৰਠपऐञੌा॑ਸசघॊফधਜ਼઼હऐؚংॵॡय़ক५ॸॕথॢदੑ ॑ੁ؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŕœ ઃपؚশप৯घधমরੑभਜ਼઼હऐदघ؛ রੑदमؚउऔऽऊैभ੍॑ৈीؚਊॢঝشউभઽஇৡ॑औ
Slide 22: Strategy initiatives
Ř؝৯घभৰਠपऐञਅറभ্ਙ u ਸசघॊ୭৲भुध৲؞ৈ২৲घॊउऔऽ؞ୠभୖҩॽش६॑౷ऽइؚসҩశস भ९জগش३ঙথਃચभౄৰध९জগش३ঙথॳকॿঝभਃચਘ৲॑ॊ؛ऒोपेॉؚउऔ ऽधभজঞش३ঙথ॑ಽਘ৲ख؞੍ؚਦ॑ৈीॊऒधदؚসਬ॑मगीधखञ়ਬ भఁপपणऩऑॊ؛ u ऽञؚਊॢঝشউभ৽੦ೕਘ৲पऐؚজ५ॡ॔ঌॱॖॺ؞ইঞشডشॡभৈ২৲ृ$,ણ৷ भমત৲ؚযৱমभਘ৲ಉभੌापିৡघॊ؛ ⋜ ৽ਅറ ŕœŕřফŖা
Slide 23: Management targets
ř؝੦মਅറध৯घ৽ఏ u ভୖभੰৠध৽੦ೕभਘ৲॑ກपਅറ؞ੁ॑ன৫खؚਏ.3,قઽஇਙ؞૨ਙ؞৸ਙك भੑਛ॑৯घ؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŕŕ ઃपؚ੦মਅറध৯घ৽ఏदघ؛ भঌش४दउંखखञਅറभ্ਙ॑౷ऽइؚणभ੦মਅറ॑ൕऑथउॉऽघ؛ ੦মਅറभਡ৯मَउऔऽକਡभ2QH WR 2QH९জগش३ঙথभُڮؚਡ৯मَؚୠஷ௪ ਅറُؚਡ৯मَ৽੦ೕਘ৲ਅറُधखؚऒोैपቝतऎणभਡੁपॉੌाऽघ؛ ৯घ৽ఏपणःथम
Slide 24: Management targets (1)
Ś؝ੑਯੑ قŔك৴ਊෞਹஇؚŵŲŨ u রੑੁभৰষ॑ৢगؚঅ४ॿ५؞ইॕشঅ४ॿ५भઽஇ॑ఁপ؛রੑਈીফ২भ52(৯ఏ॑ َ٫ங২ُधखؚలਟपम٫ਰपਬऌऑथःऎऒध॑৯घ؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŕŖ ਢऌऽखथؚੑਯੑपणःथହखऽघ؛ মরੑਈીফ২भ52(৯ఏम٫ங২धखथःऽघऋؚలਟपम٫ਰभ॑৯खथऽः ॉऽघ؛ ঌش४भకડपমরੑभਏੑਯੑ॑उંखखथःऽघऋؚসଋৈभାৰऩੜਸऩन॑ూବ धखञৱসਹஇभఁপृؚভୖपৌૢखञ९
Slide 25: Management targets (2)
Ś؝ੑਯੑ قŕكय़কআॱঝ॔টॣش३ঙথ u ਊॢঝشউभਢऩਛশ؞੫கभपऐેؚীऩৱম॑ન৳खऩऋैؚలਟ॑ৄ ྚइञਛশৱपாपॉੌिधधुपؚઙ؞ৱੇभऔऽषभਹஇ൬੪॑ౄৰ؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŕŗ य़কআॱঝ॔টॣش३ঙথपणःथदघ؛ य़কআॱঝ॔টॣش३ঙথभઅइ্ঽ৬मؚऒोऽदधॎॊुभदमऩऎؚঌش४ంડभਕഓ दउંखखथःऽघधउॉؚਊॢঝشউभਢऩਛশ؞੫கपऐેؚীऩৱমभ ન৳ؚలਟ॑
Slide 26: Management targets (3)
Ś؝ੑਯੑ قŖكઙ൬੪ u ਊॢঝشউभ৽੦ೕऋਘ৲औोञऒधृমরੑभౚৄৢखಉ॑౷ऽइؚઙ൬੪্ଉ॑ ৄઉखؚઙभऔऽषभ൬੪॑ఁౄ؛ ٕ ফাमڭؚઙँञॉফଦਊস॑ऊैषੜଦق৴ਢੜଦ؛ك ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŕŘ ઙ൬੪पणःथदघ؛ ऒोऽदَؚ൬੪ਙ٫ங২ُ॑൬੪भ৯धखथःऽखञऋؚऒोَ॑ଦਊਙ٫ங২ُ पಌखؚਹஇਛশ॑ৢगञଦਊੜਸ॑৯खथऽःॉऽघ؛ऽञؚঽഞઙૄ੭पणःथमؚजभ ৎرभ৽ੋੲિृଃਜ૾யؚౚৄৢ
Slide 27: Management targets (3) Interest rate sensitivity
Ś؝ੑਯੑ قŗكੁ৳થઙૄभೠ u ফাଜৎਡभੁ৳થઙૄभ৴ෞৱਓपಚीॊસ়मؚ٫؛ u ਬऌਢऌؚໝ෧ओधप৳થಲਢभ༜ਊਙ॑ిਫ਼खؚೠ॑ਫ਼ୈ؛ ٹੁ৳થઙૄभଋৈؚໝ෧ਯؚ৴ෞৱਓपಚीॊસ়ಉभ قਜ਼؟ؚໝ෧ਯك پਧম)+ॢঝشউद৳થଋৈऋਈुপऌःਧম३ॸॕষभੑਯ॑੶ൗ پরؚฐᐝ भਯஊपणःथमؚाऩख৳થઙૄपબॊਯ قઅكෞৱઙૄभଋৈؚໝ෧ਯ قਜ਼؟ك ৴ෞৱਓ ଜ ଜ पಚीॊસ় ໝ෧ਯ ੭ਉ ໝ෧
Slide 28: Growth strategy and ROE improvement
ٌŤƓƓƈƑƇƌƛٍ੫கपऐञੌा u ৗরੑपउःथुؚ52(؞3(5पऐञऒोऽदभੌा॑ಲਢ؞ਸசखؚऔैऩॊ3%5ఒ पणऩऑथःऎ؛ ٹ3%5ఒपऐञੌा৬௺ उऔऽକਡभ|2QH WR 2QH९জগش३ঙথ|भ ઽஇৡਘ৲ 525$ఒ ॖথইঞৌૢથଊএॺشইज़জड़भଡണ 52( ਊෞਹஇ ৽ા崛嵛崰嵕嵤嵓 ਜ૨৲॑ৢगञ৽ાచ ਊෞਹஇ 嵒崡崗崊崣崫崰 ঽഞৱম 嵒崡崗崊崣崫崰 ५ॺছॡॳক)ॻشಉभৈ525$ৱਓषभੌा 3%5ఒ ଃਜ嵔崸嵔崫崠 崛嵛崰嵕嵤嵓 ੁ৳થઙૄभೠ
Slide 29: Shareholder returns
ٌŤƓƓƈƑƇƌƛٍਊઙभ u রੑقফাعফাৢ॑كगؚਊઙम723,;॑॔क़ॺঃইज़شखऩऋै ම৹प؛ ٹઙभ॑قधखथਯ৲ك ୯ਸਹऑ ق0.5٫→0.75٫ك ٮଜৎਡभৱਓપਜ਼10ষभ ਊ ਜ਼ ঐॖॼ५সਹੰ ୯ਸਹऑ ୯ਸਹऑ ٺق0.1٫→0.1٫ك ق0.1٫→0.25٫ك ق0.25٫→0.5٫ك 723,; ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŕś ऒभঌش४दमؚরੑभઙभ॑उંखखथःऽघऋؚਊઙ
Slide 30: Initiatives
⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŕŜ ऒऒऊैमؚৗরੑभ੦মਅറधਡੁपणःथହःञखऽघ؛ ঌش४पॉऽघ؛ ŕŜ
Slide 31: Initiatives (1)
੦মਅറ؝ڭउऔऽକਡभƼŲƑƈŃƗƒŃŲƑƈ९জগش३ঙথƼभ كڭق੫षभ९জগش३ঙথ u ভҩ৽ੋ୭भ৲॑ూବप৲؞ৈ২৲घॊ੫भ৽ୖشॽ؞६पৌखؚਊॢঝشউ ৬धऩढथਬपૢगञস؞శসभ९জগش३ঙথ॑घॊऒधदؚୠभ੫ऊैਈुਦ औोॊঃشॼॺشष؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŖœ ੦মਅറڭमؚउऔऽକਡभ2QHWR2QH९জগش३ঙথभदघ؛ ऒभ॥থ७উॺमؚرभরੑَఄᵷُऊैಲਢघॊඅभশःੌादँॉؚਊ
Slide 32: Initiatives (1) Customer initiatives
੦মਅറ؝ڭउऔऽକਡभƼŲƑƈŃƗƒŃŲƑƈ९জগش३ঙথƼभ كڮقযभउऔऽषभ९জগش३ঙথ u उऔऽभৱਓҩઝ৸৬॑ৄநखञ॥থ१ঝॸॕথॢ॑ன৫खؚছॖই५ॸش४पૢगञਈి ऩ९জগش३ঙথ॑घॊधधुपؚଞपਹ৷घॊઠౠधखथभྟৡ॑ৈीؚउऔऽभ௹ऊ ऩථैख੍॑इॊঃشॼॺشष؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŖŔ ऒभঌش४मਡੁभण৯َؚযभउऔऽषभ९জগش३ঙথُदघ؛ ঌش४भంડदघऋؚउऔऽभছॖই५ॸش४पૢगؚৱਓ
Slide 33: Initiatives (1) Consulting initiatives
੦মਅറ؝ڭउऔऽକਡभƼŲƑƈŃƗƒŃŲƑƈ९জগش३ঙথƼभ كگقঋ५ॺॵॡ५ॳকॿঝभଡണ u জ॔ঝॹ؞४ॱঝभॳকॿঝभਃચ॑ਘ৲घॊधधुपؚउऔऽभੲਾ॑ॳকॿঝदુથघ ॊऒधदرؚभउऔऽपਈిऩ९জগش३ঙথ॑३شঞ५प؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŖŕ ਡੁभਕण৯मَؚঋ५ॺॵॡ५ॳকॿঝभଡണُदघ؛ ঌش४भంડदघऋؚজ॔ঝॹ؞४ॱঝभॳকॿঝभਃચਘ৲॑ॊधधुपؚৗ&50॑ણ৷ख ञउऔऽੲਾभુથ؞੪ଵ৶पेॉؚनभॳকॿঝदु
Slide 34: Initiatives (2) Customer-focused initiatives
੦মਅറ؝ڮୠஷ௪ਅറ كڭقୠभୖੰৠ؞ऽठतऎॉषभ൴ u َୠभனऩऎखथਧম)+ॢঝشউभனऩखُभਦभुधؚୠऊैਈुਦऔोॊঃش ॺॼشधखथؚਗभউঞॖখشध৴खणणؚୠभୖੰৠृऽठतऎॉष൴؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŖŖ ऒऒऊैؚ੦মਅറ؝ڮୠஷ௪ਅറपॉऽघ؛ ਡੁभण৯मَؚୠभୖੰৠ؞ऽठतऎॉषभ൴ُदघ؛ ਊॢঝشউऋଳघॊக௴َؚୠभனऩऎखथਧম)+ॢঝشউभனऩखُभਦभु धؚୠभୖ
Slide 35: Initiatives (2) Asset formation
੦মਅറ؝ڮୠஷ௪ਅറ كڮق५ॱॵ॔ॺشউ੍ର؞੍ର u ਊॢঝشউऋဿرधಲഅखथऌञَর৵੫ਛभ'1$ُ॑৬ਠखؚস؞శসभએऊै ੫ृ५ॱॵ॔ॺشউभਛশ॑खघॊऒधदؚୠਓभୗ؞ણਙ৲प൴؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŖŗ ਡੁभण৯َؚ५ॱॵ॔ॺشউ੍ର؞੍ରُपणःथदघ؛ ऒभীदमؚৗমঅঝपૢର१টথ॑ਝ઼घॊऺऊؚ५ॱॵ॔ॺشউ੍ର॑ৗਝघॊऩ न੍ؚରଙિ॑ౄৰऔचؚস؞శসभએऊै੫ृ५ॱॵ
Slide 36: Initiatives (3) Digital transformation
੦মਅറ৽؝گ੦ೕਘ৲ਅറ كڭقজ५ॡ॔ঌॱॖॺҩইঞشডشॡभৈ২৲ u জ५ॡ॔ঌॱॖॺҩইঞشডشॡप੦तऎిજऩઽஇজ५ॡংছথ५॑ৰਠखؚਗ୭धधुप ৲घॊ५ॸشॡঝॲشऊैभୄपૢइथःऎऒधदؚలਟपॎञढथਘಕऩ৽੦ೕ॑ન৳؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŖŘ ऒभঌش४ऊैमؚ੦মਅറ৽؝੦ೕਘ৲ਅറदघ؛ ਡੁभण৯मؚজ५ॡ॔ঌॱॖॺҩইঞشডشॡभৈ২৲दघ؛ মরੑदमজ५ॡ॔ঌॱॖॺҩইঞشডشॡप੦तऎిજऩઽஇ؞জ५ॡभ
Slide 37: Initiatives (3) AI utilization
੦মਅറ৽؝گ੦ೕਘ৲ਅറ كڮق$,ણ৷पेॊਜ u ৡ৲؞ৈ২৲भએऊैেਛ$,भਜषभણ৷॑ॢؚঝشউ৬धऩढथਤ؛ᐫলखञযଃ॑ ਡীषગଦ઼घॊऒधदॢؚঝشউ৸৬भেਓਙ॑৯घ؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŖř ਡੁभण৯मَؚ$,ણ৷पेॊਜُदघ؛ ,7॑;'؞धघॊ३ॸॕ॔५॥ृॖ४।থॢঝشউऩनभੴৄृૼৡऩन॑ણ৷खऩऋै ॢঝشউ৬धऩढथؚৡ৲؞ৈ২৲भએऊैেਛ$,भਜषभણ৷॑মતपਤीथःऌऽघ؛ जखथৡ৲ಉप
Slide 38: Initiatives (4) Human capital
੦মਅറ৽؝گ੦ೕਘ৲ਅറ كگقযৱমभਘ৲ u ਊॢঝشউभలਟ॑૿अਅറযଃभਛ॑ਸசघॊधधुपؚ௮ऌऋःपऐञ୭ତृ ॖথॼشঈছথॹॕথॢभਘ৲ಉ॑ৢगؚऩযଃऋણඩघॊੌ௶௯ଅ॑ଡണ؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŖŚ ਡੁभਕण৯मَؚযৱমभਘ৲ُदघ؛ ঌش४भంડपउંखखथःॊؚু৩भਛृਅറযଃभਛऩनमؚমরੑभ౾ੁ॑ৰষ खथःऎदुਂؚ૭ಳदँॉؚযଃਛभੌा॑ਸசऔचथःऌऽघ؛ ৎपؚऩযଃऋણඩदऌॊेअযহ২भপ்ऩ
Slide 39: Cautionary notes
੦মਅറ৽؝گ੦ೕਘ৲ਅറ كڰق१५ॸॼঅজॸॕभ u १५ॸॼঅজॸॕ॑ॊୖषभৌૢ॑৽ਅറभਏহඨधਜ਼઼હऐؚୠসॢঝشউऩै दमभੌा॑ਤखؚୠधਊঽମभ१५ॸॼঅজॸॕ॑؛ ⋜ ৽ਅറ ŕœŕřফŖা ৠହভ ųőŖś ਡੁभण৯मَؚ१५ॸॼঅজॸॕभُदघ؛ ਊॢঝشউमؚ१५ॸॼঅজॸॕ॑ॊୖषभৌૢ॑৽ਅറभਏহඨधਜ਼઼હऐؚୠ সॢঝشউऩैदमभੌा॑ਤखؚୠधਊঽମभ१५ॸॼঅজॸॕभ॑৯खथऽः ॉऽघ؛ ਈपऩॉऽघऋؚ০
Slide 40: Appendix: Supplementary materials
ౚपঢ়घॊଓଌৱમ અৱમ ౚपঢ়घॊଓଌৱમ ফা ৠହভ ųőŖŜ ŖŜ
Slide 41: Income statement summary (1)
ہۅ؝ڭ ⋇ াৰౚ ٕ धभૻຎ ٕ ৰౚ ૻ ৰౚ قك 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% ৽ଞઽஇ ਜ႗ਹஇ 岧崛崊ਜ႗ਹஇ岨 >@ >@ >@ >@ >@ >@ >@ >@ >@ ৱসਹஇ قলসਹඅك قથଊਹඅଦਊসك قসಉਹඅك ٺ ૽ਜਬಉਹஇ ્ਬਹஇ ٺ ٺ 峇峘ਜਹஇ ٺ ٺ ٺ ٺ ٺ ٺ قবઝಉઝଊஇك ٺ ٺ ٺ ٺ ٺ ٺ ৽ા ٺ
Slide 42: Income statement summary (2)
ہۅ؝ڭ ⋈ াৰౚ ٕ ୳धभૻຎ ٕ ৰౚ ୳ૻ 岜岜୳岩ି岪 قك 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% ৽ଞઽஇ ਜ႗ਹஇ ٺ ٺ 岧崛崊ਜ႗ਹஇ岨 >@ >@ >@ >@ >@ >@ >@ >@ >@ ৱসਹஇ قলসਹඅك قથଊਹඅଦਊসك قসಉਹඅك ٺ ૽ਜਬಉਹஇ ٺ ٺ ્ਬਹஇ ٺ 峇峘ਜਹஇ ٺ ٺ ٺ ٺ ٺ ٺ قবઝಉઝଊஇك ٺ ٺ
Slide 43: Income statement summary (3)
ہۅ؝ڭ ⋉ া୳ ٕ धभૻຎ ٕ ୳ ૻ ৰౚ قك 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% ৽ଞઽஇ ਜ႗ਹஇ 岧崛崊ਜ႗ਹஇ岨 >@ >@ >@ >@ >@ >@ >@ >@ >@ ৱসਹஇ قলসਹඅك قથଊਹඅଦਊসك ٺ ٺ قসಉਹඅك ٺ ૽ਜਬಉਹஇ ્ਬਹஇ ٺ 峇峘ਜਹஇ ٺ ٺ ٺ قবઝಉઝଊஇك ٺ ٺ ৽ા ٺ ৰସਜෞஇ ٺ 岧崛崊ਜෞஇ岨 >@
Slide 44: Balance sheet (1)
ۈڷ؝ڮ ⋇ ৱਓभ 11)+৴ 1&%৬ قك ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ৱਓ峘 ਠস岻স 崛嵤嵓嵕嵤嵛峝େোু େোসබઝਥ ્ਬৱਓ সබ峘ਦ થଊ লস قৌফૻੜ૨ك ŋٺŃœőŜňŌ ŋŘőŚňŌ ŋŕőŘňŌ ŋśőŔňŌ ŋŖőŕňŌ ŋٺŃŔőœňŌ ŋřőŔňŌ ŋŕőŘňŌ ŋśőŕňŌ ŋŖőŕňŌ ਗবನ౹ 峇峘ৱਓ થಕৱਓ ૮ಕৱਓ ஔહ峕બ峵ৱਓق௸ফসા৷ك భઘসৱਓ ੍௸അဍৄନ ਬਊস ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ
Slide 45: Balance sheet (2)
ۈڷ؝ڮ ⋈ ઝलෞৱਓभ 11)+৴ 1&%৬ قك ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ઝ峝ෞৱਓ峘 স قੜ૨ك ŋŖőœňŌ ŋŕőŖňŌ ŋŖőŜňŌ ŋٺŃœőŜňŌ ŋŗőŔňŌ ŋŕőŜňŌ ŋŕőŗňŌ ŋŗőœňŌ ŋٺŃŔőŔňŌ ŋŗőŕňŌ ඒநਙস 崛嵤嵓嵆崵嵤峝ਲ਼நু ਲ਼ਠྠ ઝଊਬਭো૿৳স ৷স ਗবನ౹ ઝ ਦྠ 峇峘ઝ ૽৩ઙૄஔહਬਊস ஔહ峕બ峵ઝقஔહਬਊসك ૽৩༸ௌਬਊস ᄨ༒স௸ರଷਬਊস ၉ଷਬਊস ્શ১峘ਬਊস భઘস
Slide 46: Net interest income and expenses
؝گਏྠभଋ؞ਹॉ؞ਹඅ ْ1&%৬ٓ ண قসપਜ਼؟ك ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ٹলস 岧ব岨 হਙ ક୧嵕嵤嵛嵣崊崹嵤崰嵕嵤嵛 قક୧嵕嵤嵛ك ق崊崹嵤崰嵕嵤嵛ك ા嵕嵤嵛 岧ব岨 岧৸৬岨 $ সෞਹ⍠ $( ٹથଊ 岧ব岨 ઝଊ ઙૄ 峇峘 % 岧ব岨 岧৸৬岨 & ਦੰ৺இ ' ٺ ٺ ਦੰ৺இ峼岹 岧ব岨峇峘 %' 岧৸৬岨 &' ٹস嵣ඒநਙস 岧ব
Slide 47: Credit costs and loans
؝ڰથଊभଋৈ؞௬இ ْ1&%৬ٓ قك ଜ ଜ ଜ ଜ ଜ ۈڷٹੑપ বઝ ্ઝ ઝ ઙૄ ਗবଊ ق岰峋ਗবઝଊك 峇峘 થଊ岜ੑ ٹ௬இ বઝ ٺ ٺ ٺ ٺ ٺ ্ઝ ٺ ٺ ٺ ٺ ٺ ઝ ٺ ٺ ٺ ٺ ઙૄ ਗবଊ ٺ ٺ ٺ ٺ ٺ ق岰峋ਗবઝଊك ٺ ٺ ٺ ٺ ٺ 峇峘 થଊ岜ੑ ٺ અৱમ ౚपঢ়घॊଓଌৱમ ফা ৠହভ ųőŗř ŗř
Slide 48: Expenses and credit trends
؝ڱਦ৷॥५ॺभেਏશ ْ1&%৬ٓ قك ಹਬਊসোપٺق峙ರোஇك $ ٺ ٺ ਬਊ૨ ٺ ٺ ٺ ٺ ٺ ଋৈ ٺ ే嵣શਬਊ崛崡崰 % ૿৳ৣ 嵑嵛崗崨崎嵛؟ઝਜયী峘༄৲ 嵑嵛崗崊崫崿؟ઝਜયী峘ఒ ٺ ٺ ٺ ٺ ٺ ઽ ٺ ٺ ٺ ٺ ٺ 崒崽崸嵑嵛崡৲ٺق峙இك ٺ ٺ ٺ ிભુથ২ 峇峘 ٺ ٺ ٺ ేઝਥয়இكٺق & ਦ৷崛崡崰 ' $%& লসଋ ( ਦ৷崛崡
Slide 49: Forecast
؝ڲঽഞৱমૻ૨ ْ৴ٓ ٹ৴ঽഞৱমૻ૨ ଜ ଜૻ ଜ قك 崛崊ৱম峕બ峵੦ຊඨ৯ $ ৢઙૄ峕બ峵ઙৱম 峇峘峘ෆฐਹஇྸੑપ ٺ ৹ତశ੍ଦઙী ਬਊস峘়ੑપ శ੍ଦઙী峘岰峋৽ૌೈ઼峕峲峵োપ ٺ 崛崊ৱম峕બ峵৹ତඨ৯ % ٺ ق岰峋岜ిતਬਊসਂଌપك ٺ ق岰峋岜ஔહ峕બ峵ৱਓك ٺ ঽഞৱম & $% 嵒崡崗嵣崊崣崫崰ಉ ' ਦ৷嵒崡崗嵣崊崣崫崰 崒嵂嵔嵤崟嵏崲嵓嵒崡崗嵣ৼਊપ ৱম崽嵕崊৹ତપ ৴ঽഞৱমૻ૨ &Ù' ٺSW અৱમ ౚपঢ়घॊଓଌৱમ ফা ৠହভ ųőŗś
Slide 50: Cautionary notes
n মৱમमੲਾभा॑৯धखथਛऔोञुभदँॉ્ؚभଊभਲ਼େ॑൭ා घॊुभदमँॉऽच॒؛ n মৱમप੶ൗऔोञহඨभ৸ऽञममؚઔऩऎఊਫऽञमಌऔोॊऒधऋ ँॉऽघ؛ n মৱમपमలਟभౚपঢ়घॊ੶ऋஅऽोथःऽघऋؚऒोैभ੶मؚలਟभ ౚ॑৳घॊुभदमऩऎؚজ५ॡृਂનৰਙ॑ෆघॊुभदघ؛ లਟभౚम৽ؚ୭भ৲ಉपेॉ౮ऩॊ૭ચਙऋँॊऒधपओਔऎटऔः؛ ফা ৠହভ ųőŗŜ ŗŜ
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