Seven Bank, Ltd. · TSE:8410

Seven Bank — Q1 FY2026 Earnings Presentation

35 slides from Seven Bank's earnings presentation, Aug 7, 2026

  1. Slide 1: Financial Results for the First Quarter of Fiscal Year 2026

    We shape the future of everyday life by seeing your wishes and going beyond Financial Results Financial Results for the First Quarter of Fiscal Year 2026

  2. Slide 2: Today's Agenda

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. TODAY’S AGENDA AGENDA AGENDA AGENDA AGENDA 01 02 03 04 Financial Results for Key Figures and Revised Financial APPENDIX the First Quarter of Topics by Business Results Forecast for Fiscal Year ending Fiscal Year Ending March 31, 202

  3. Slide 3: Financial Results for the First Quarter of Fiscal Year Ending March 31, 2027

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Financial Results for the AGENDA 01 F i r s t Q u a r t e r o f F i s c a l Ye a r Ending March 31, 2027 2

  4. Slide 4: Key points of the results for the first quarter of the fiscal year ending March 31, 2027

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Key points of the results for the first quarter of the fiscal year ending March 31, 2027 Financial results Domestic ATM Domestic retail Overseas overview business business business Ordinary income and Ordinary profit Both average da

  5. Slide 5: Profit/Loss Status [Consolidated]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Financial Results f or First Q uart er of Fiscal Year Ending M arch 31, 2027 Profit/Loss Status [Consolidated] FY2026 1Q results FY2025 1Q results YoY Ordinary income Increased owing primarily to Seven Bank’s non-consolidated perfor

  6. Slide 6: Trend in Performance [Consolidated]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. (Billion yen) Financial Result s f or First Q uart er of Ordinary income Ordinary expenses Fiscal Year Ending M arch 31, 2027 60 51.4 53.3 56.8 50.0 44.2 46.7 46.0 Trend in Performance [Consolidated] 40 0.0 FY24 FY25 FY26 20 1Q 1Q 1

  7. Slide 7: Profit/Loss Status [Seven Bank]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Financial Results for First Quarter of Fiscal Year Ending M arch 31, 2027 Profit/Loss Status [Seven Bank] FY2026 1Q results FY2025 1Q results YoY Ordinary income Increased owing to an increase in ATM-related fee income and interest

  8. Slide 8: Key Figures and Topics by Business

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. 7 To p i c s b y B u s i n e s s Key Figures and 02 AGENDA

  9. Slide 9: Domestic Business (ATM)

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. AGENDA 02 Key Figures and Topics by Business D o m e s t i c B u s i n e s s ( AT M ) 8

  10. Slide 10: Domestic Business (ATM): Transactions per ATM

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Domestic Business ( AT M ) 110.8 111.3 110.5 350 Key Figures: Daily average 107.6 107.8 109.3 109.1 transactions per ATM 107.1 110.0 ATM Transactions (transactions/day/ATM) 105.6 300 282 282 289 286 273 278 273 100.0 Total number of

  11. Slide 11: Domestic Business (ATM): Number of ATMs

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Domestic Business ( AT M ) 10,000 Key Figures: Number of ATMs at 9,000 28,614 28,536 the End of Quarter 28,082 28,236 28,383 27,848 27,990 8,000 27,604 27,702 5,357 5,439 Number of ATMs at the end of 1Q 5,211 5,283 Number of ATMs 5,

  12. Slide 12: Launch of "FamilyMart ATMs" Services

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Domestic Business ( AT M ) ATM installation at FamilyMart began (from June 1, 2026). Topics Plans to install approx. 16,000 units at FamilyMart stores nationwide by 2030. Number of ATMs in FamilyMart stores as of June 30, 2026 Launc

  13. Slide 13: Domestic Business (Retail)

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. AGENDA 02 Key Figures and Topics by Business Domestic Business (Retail) 12

  14. Slide 14: Number of Accounts and Balance of Deposits

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. 900.0 4,000 Domestic Business ( Ret ail) Key Figures: 3,473 3,500 3,502 800.0 3,437 3,443 3,359 3,500 Number of Accounts and 3,266 3,128 3,175 Balance of Deposits No. of accounts (1,000 accounts) 700.0 670.7 (Individual Customers) 6

  15. Slide 15: Personal Loan Services

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Domestic Business ( Ret ail) Key Figures: Personal Loan Services Balance at the end of 1Q ¥83.1 billion +¥17.1 billion YoY 83.1 79.2 74.6 70.3 66.0 Balance at the end 60.5 of quarter 54.6 (billion yen) 51.3 48.0 Notes: 1. All figure

  16. Slide 16: Seven Bank Post Payment Service

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Domestic Business ( Ret ail) 160.5 159.4 160.9 Key Figures: 155.7 160.0 151.4 Seven Bank Post Payment Service 135.5 140.0 131.6 121.5 Number of 118.4 Number of transactions transactions 120.0 (10,000 1,609,000 transactions transacti

  17. Slide 17: KPIs: Seven Card Service

    COPYR IG HT © 2024 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Number of card holders Shopping transaction value Financial product balance Sev en Card Serv ice (10,000 people) using credit cards (billion yen) (billion yen) KPIs 250 45.7 45.5 44.9 400 347 203.6 312 305 200 193.3 188.840.0 300 15

  18. Slide 18: Topics: Retail promotions and credit card renewal

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Domestic Business ( Ret ail) Launched a promotion for new account openings and growth of deposit balances Topics Renewed the credit card to drive membership growth through attractive rewards ■Fee-free ATM promotion ■Summertime depos

  19. Slide 19: Overseas Business

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. 18 Overseas Business Key Figures and Topics by Business AGENDA 02

  20. Slide 20: Overseas Business: Trend in ATM Transactions

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. January 2025 O v erseas Business RFMY started operations (Million transactions) Trend in the Number of 142.2 ATM Transactions 137.4 138.4 130.6 134.3 2.0 132.9 0.5 127.6 129.5 1.9 122.4 1.5 2.0 Although total transactions declined d

  21. Slide 21: Overseas Business: U.S.

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. O v erseas Business U.S. 60 Daily average 49.6 50.2 48.3 12,000 transactions per 46.8 47.4 47.6 47.2 47.6 46.1 Although daily average ATM (transactions/day/ transactions per ATM decreased ATM) 11,000 40 due to installations at Speed

  22. Slide 22: Overseas Business: Indonesia

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. O v erseas Business Indonesia Daily average 49.4 49.7 49.0 49.2 47.6 transactions per 44.8 44.5 50 ATM 43.0 Although daily average transactions (transactions/day/ 39.9 ATM) 10,000 per ATM decreased due to factors such as intensifyin

  23. Slide 23: Overseas Business: Philippines

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. O v erseas Bu sin ess 213.4 Philippines 5,170 5,060 198.0 4,950 192.6 193.4 4,840 Daily average 183.0 The average number of transactions 4,730per transactions 4,620 ATM 4,510 172.7 per ATM decreased year-on-year due 4,400 163.6 180

  24. Slide 24: Overseas Business: Malaysia

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. O v erseas Business Malaysia 250.0 222.7 220.9 224.7 Plan to install an additional 400 units Daily average 212.3 transactions per 200.3 within this fiscal year. ATM (transactions/day/ 200.0 ATM) Will continue to expand installation

  25. Slide 25: Revised Financial Results Forecast for the Fiscal Year Ending March 31, 2027

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Revised Financial Results AGENDA 03 Forecast for the Fiscal Year Ending March 31, 2027 24

  26. Slide 26: Revised Financial Results Forecast [Consolidated]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Revised Financial Results Forecast for the Fiscal Year Ending March 31, 2027 Financial Results FY2025 FY2026 FY2026 vs. initial Forecast results initial forecast revised forecast forecast [Consolidated] Consolidated ordinary income

  27. Slide 27: Revised Financial Results Forecast [Seven Bank]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. Revised Financial Results Forecast for the Fiscal Year Ending March 31, 2027 Financial Results Forecast FY2025 FY2026 FY2026 vs. initial [Seven Bank] results initial forecast revised forecast forecast Ordinary income ¥142.9 billion

  28. Slide 28: Appendix

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. 27 APPENDIX 04 AGENDA

  29. Slide 29: Statement of Income [Consolidated]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. APPENDIX Statement of Income [Consolidated] (Billion yen) FY2026 plan (after revision) FY2025 FY2026 1Q 1Q YoY 1H Full year YoY Change Ordinary income 53.3 56.8 3.5 106.5％ 114.0 235.5 Ordinary expenses 46.7 46.0 (0.7) 98.5％ 98.5 202

  30. Slide 30: Statement of Income [Seven Bank]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. (Billion yen, unless otherwise stated) APPENDIX FY2026 plan Statement of Income [Seven Bank] FY2025 FY2026 (after revision) 1Q 1Q 1H Full year YoY Change YoY Ordinary income 35.2 37.2 2.0 105.6％ 73.5 149.0 ATM-related fee income 28.

  31. Slide 31: Statement of Income [Seven Card Service]

    COPYR IG HT © 2024 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. APPENDIX Statement of Income [Seven Card Service] (Million yen) FY2025 FY2026 1Q 1Q YoY Change YoY Ordinary income 6,930 6,641 (289) 95.8％ Credit card business 3,479 3,472 (7) 99.7％ e-money business 3,451 3,169 (282) 91.8％ Ordinary

  32. Slide 32: Statement of Income [FCTI]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. APPENDIX Statement of Income [FCTI] (Million USD, unless otherwise stated) FY2025 FY2026 1Q 1Q YoY Change YoY Ordinary income 41.1 50.6 9.5 123.1% Ordinary expenses 40.2 43.8 3.6 108.9% Ordinary profit 0.8 6.7 5.9 837.5% Net income

  33. Slide 33: Statement of Income [Key Subsidiaries]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. APPENDIX Statement of Income [Key Subsidiaries] (Million yen) FY2025 FY2026 1Q 1Q YoY Change YoY Ordinary income 2,080 1,664 (416) 80.0% Ordinary expenses 1,956 1,630 ー ー Ordinary profit 124 33 ー ー Net income 122 32 ー ー (Million yen

  34. Slide 34: Statement of Income [Key Subsidiaries]

    COPYR IG HT © 2026 S EV EN BANK , LT D. ALL R IG HT S R ES ER V ED. APPENDIX Statement of Income [Key Subsidiaries] (Million yen) FY2025 FY2026 1Q 1Q YoY Change YoY Ordinary income 929 937 8 100.8% Ordinary expenses 902 887 (15) 98.3% Ordinary profit 27 50 23 185.1% Net income 6 33 27 550.0% FY2025

  35. Slide 35: Forward-looking statements disclaimer

    This document contain forward-looking statements concerning forecasts, expectations, goals and plans related to the financial results of Seven Bank, Ltd. (“Seven Bank”) and its consolidated subsidiaries, etc. Except for concrete historical facts, these forward-looking statements are based on the inf

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