Sbi Holdings Incorporated · TSE:8473
Sbi — Sbi Holdings Inc Ord — Q1 2022 Earnings Presentation
70 slides from Sbi's earnings presentation, Aug 16, 2022
Slide 1: SBI Holdings, Inc. Financial Results
Strategic Business Innovator SBI Holdings, Inc. Financial Results for the Three-month Period Ended June 30, 2022 (Fiscal Year Ending March 31, 2023) August 15, 2022
Slide 2: Disclaimer
The items in this document are provided as information related to the financial results and the business strategy of the SBI Group companies and not as an invitation to invest in the stock or securities issued by each company The business collaboration with Shinsei Bank described in this document wi
Slide 3: I. Consolidated financial results for the three-month period ended June 30, 2022
I. Consolidated financial results for the three-month period ended June 30, 2022 [Unauthorized reproduction is prohibited] 2
Slide 4: 1Q FY2022 Consolidated Performance (IFRS)
1Q FY2022 Consolidated Performance (IFRS) [Year-on-year comparison] (Unit: JPY million) 1Q FY2021 1Q FY2022 YoY % (Apr.-June 2021) (Apr.-June 2022) change Revenue 137,474 Record high * 232,150 +68.9 Profit before income tax 33,029 23,522 -28.8 expense Profit for the period 33,106 16,669 -49.7 Profit
Slide 5: Consolidated performance overview
[Consolidated performance overview] • Revenue increased 68.9% year-on-year to JPY 232.2bn, which was a historical high for the 1Q • Profit before income tax expense declined 28.8% year-on-year to JPY 23.5bn In the Investment Business, a decline in the share price of TP Bank (Group‘s equity ratio: 19
Slide 6: Comparison of Consolidated Profit Before Income Tax Expense with Major Securities Companies
Comparison of Consolidated Profit Before Income Tax Expense with Major Securities Companies (Unit: JPY million) 1Q FY2021 1Q FY2022 YoY % (Apr.-June 2021) (Apr.-June 2022) change SBI Holdings (IFRS) 33,029 23,522 -28.8 Nomura Holdings (US-GAAP) 78,533 11,733 -85.1 Daiwa Securities Group 35,176 20,18
Slide 7: Changed Business Segments From 1Q FY2022 to Clarify Management Accounting
Changed Business Segments From 1Q FY2022 to Clarify Management Accounting [Before FY2022] Biotechnology, Healthcare & Medical Financial Service Asset Management Informatics [From FY2022] Financial Non-Financial Asset Management Investment Crypto-asset Financial Service Business Non-Financial Busines
Slide 8: 1Q FY2022 Performance by Segment (IFRS)
1Q FY2022 Performance by Segment (IFRS) [Year-on-year comparison] Profit before Income (Unit: JPY million) Revenue Tax Expense YoY % 1Q FY2021 1Q FY2022 YoY % 1Q FY2021 1Q FY2022 change / (Apr. 2021– (Apr. 2022– (Apr. 2021– (Apr. 2022– June 2021) June 2022) change June 2021) June 2022) YoY change Fi
Slide 9: II. Business Overview of Core Businesses
II. Business Overview of Core Businesses [Unauthorized reproduction is prohibited] 8
Slide 10: 1. Financial Service Business
1. Financial Service Business [Financial Service Business Consolidated Results (IFRS)] (Unit: JPY million) 1Q FY2021 1Q FY2022 YoY(%) (Apr. 2021 – June 2021) (Apr. 2022 – June 2022) Revenue 109,476 190,094 +73.6 Profit before income tax expense 29,314 27,816 -5.1 [Unauthorized reproduction is prohib
Slide 11: Financial Services Business: Securities business
1. Financial Services Business： (1) Securities business [Major constituent companies] SBI SECURITIES, SBI Liquidity Market, SBI FXTRADE, SBI MONEYPLAZA, PTS operating companies, overseas securities subsidiaries, etc. [Business highlights] • SBI SECURITIES’ consolidated results (J-GAAP) for 1Q FY2022
Slide 12: SBI SECURITIES 1Q FY2022 Consolidated Results (J-GAAP)
1. (1) Securities business SBI SECURITIES 1Q FY2022 Consolidated Results (J-GAAP) [Year-on-year comparison] (Unit: JPY million) 1Q FY2021 1Q FY2022 YoY % (Apr. 2021 – June 2021) (Apr. 2022 – June 2022) change Operating Revenue 40,431 38,133 -5.7 Net Operating Revenue 38,166 35,444 -7.1 Operating Inc
Slide 13: Comparison of Operating Income with Major Securities Companies
1. (1) Securities business Comparison of Operating Income with Major Securities Companies (Unit: JPY million) 1Q FY2021 1Q FY2022 YoY % (Apr. 2021 – June 2021) (Apr. 2022 – June 2022) change SBI SECURITIES 13,734 12,161 -11.4 Nomura Securities 23,694 9,030 -61.9 Daiwa Securities 23,121 -2,879 ― * Al
Slide 14: SBI SECURITIES' Consolidated Operating Revenue Structure for 1Q FY2022
1. (1) Securities business SBI SECURITIES’ Consolidated Operating Revenue (Net Sales) Structure for 1Q FY2022 (JPY million) 50,000 40,431 38,133 18 40,000 10 Others 10,619 10,166 Financial revenues 30,000 12,962 10,898 Trading revenues 20,000 Other commission 5,095 6,499 received Underwriting / 10,0
Slide 15: Trends of the Number of Accounts of SBI Group and Face-to-face Securities Companies
1. (1) Securities business Trends of the Number of Accounts of SBI Group and Face-to-face Securities Companies CAGR: % (End of March 2009 - End of June 2022) (End of Mar. 2009 - End of June 2022) 8,829 (Thousand accounts) 12.4 8,500 7,500 SBI Group * From Apr. 2019, includes SBI NEOMOBILE SECURITIES
Slide 16: SBI Group's Share of Individual Stock Trading
1. (1) Securities business SBI Group’s Share of Individual Stock Trading - Near-term target of 50% for margin trading market share - Share of Individual Stock (of which) Share of Individual Trading Value (%) Margin Trading Value (%) SBI SBI 44.7 45.4 (of which, SBI NEOTRADE (of which, SBI SECURITIES
Slide 17: Brokerage Commission Income Decreased Despite Increase in Brokerage Trading Value
1. (1) Securities business Brokerage Commission Income Decreased due to Phased Implementation of Neo-securities Initiative, Despite a Steady Increase in Brokerage Trading Value Domestic Stock Commissions * Brokerage Trading Value (JPY trillion) (JPY million) 50 10,000 9,634 9,583 +11.9% -0.5% YoY 39
Slide 18: Open Interest Credit Balance and Financial Revenue Remained High
1. (1) Securities business Open Interest Credit Balance and Financial Revenue at SBI SECURITIES Remained High Open Interest Credit Balance (EOM) Financial Revenue (JPY billion) (JPY million) 1,200.0 1,189.2 1,165.5 12,000 -4.3% 10,619 YoY 10,166 1,000.0 10,000 815.5 800.0 8,000 722.9 600.0 6,000 400
Slide 19: Further Increase the Balance of Investment Trusts
1. (1) Securities business Further Increase the Balance of Investment Trusts through Purchases by Shared Points and Accumulation Services Utilizing Credit Cards (JPY billion) Investment trust balance* Investment Trust Fees (JPY million) 6,000 5,611.3 2,000 1,973 Achieved a record high +15.8% quarter
Slide 20: Investment Trust Accumulation Service by Credit Card with Sumitomo Mitsui Card
1. (1) Securities business Steadily Expanding Investment Trust Accumulation Service by Credit Card through Tie-up with Sumitomo Mitsui Card • From June 30, 2021, SBI SECURITIES and Sumitomo Mitsui Card (SMCC) launched the “Sumitomo Mitsui Card Funded Investment” service, which purchases investment t
Slide 21: Trend of SBI SECURITIES' Foreign Stock Trading Value and Revenue
1. (1) Securities business Trend of SBI SECURITIES’ Foreign Stock Trading Value and Revenue Foreign Stock Trading Volume Revenue * Foreign stock trading value index for 1Q FY2018 = 1.0 8.3 6.5 1.0 1Q 1Q 1Q 1Q 1Q FY2018 FY2019 FY2020 FY2021 FY2022 • Trading Value and Revenue of foreign stock reached
Slide 22: Strengthen Real Estate Finance Business
1. (1) Securities business Strengthen Real Estate Finance Business (JPY million) Change in Total Sales of Real Estate Small-lot Beneficiary 20,000 Interests at SBI MONEYPLAZA 15,565 15,000 10,000 5,000 0 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q FY2020 FY2021 FY2022 The SBI Group’s real estate finance business Dev
Slide 23: SBI SECURITIES Achieves 100% Underwriting Involvement Despite Soft IPO Market
1. (1) Securities business SBI SECURITIES Achieves 100% Underwriting Involvement Despite Soft IPO Market Underwriting share of 100% is an • Between Apr. 2022 through June 2022, SBI SECURITIES underwrote 3 companies industry-leading figure as lead manager IPO Underwriting Ranking (Apr. 2022–June 2022
Slide 24: Significant Growth in Revenue and Profit in FX-Related Business
1. (1) Securities business Achieved Significant Growth in Revenue and Profit in FX-Related Business Against the Backdrop of Rising Foreign Exchange Transactions due to the Rapid Depreciation of the Yen Operating revenue of SBI Liquidity Market (Non-consolidated, J-GAAP) (JPY million) 1Q FY2021 1Q FY
Slide 25: Largest Total Number of FX Accounts and Customer Margin Deposits in the Industry
1. (1) Securities business The SBI Group (SBI SECURITIES, SBI FXTRADE and SBI Sumishin Net Bank, SBI NEOMOBILE SECURITIES) has the Largest Total Number of Accounts and Customer Margin Deposits in the Industry Changes in the number of accounts among Customer Margin Deposits 5 major FX Trading Compani
Slide 26: Securities Subsidiaries in Thailand and Cambodia
1. (1) Securities business： SBI Thai Online Securities, SBI Royal Securities Endeavor to Establish Industry Positioning and Further Expand Business Base at Securities Subsidiaries in Thailand and Cambodia (Investment ratio 100.0%, SBI Thai Online Securities established in October 2014) First pure-
Slide 27: Focus on Proprietary Trading System (PTS) Operation Business
1. (1) Securities business Focus on Proprietary Trading System (PTS) Operation Business Japannext Co., Ltd. Osaka Digital Exchange Co., Ltd • Equity-method associate • SBI Group’s consolidated subsidiary • SBI Group investment ratio: 48.8% • SBI Group investment ratio: 70.0% • Established in 2006, c
Slide 28: Financial Services Business: Banking business
1. Financial Services Business: (2) Banking business [Major constituent companies] Shinsei Bank Group, SBI Sumishin Net Bank, Overseas banks including SBI SAVINGS BANK [Business highlights] • Shinsei Bank recorded JPY -5,983m in net income attributable to shareholders of the parent company under J-G
Slide 29: Shinsei Bank FY2022 Consolidated Performance (J-GAAP)
1. (2) Banking business: Shinsei Bank Group Shinsei Bank FY2022 Consolidated Performance (J-GAAP) (JPY billion) Excluding 1Q FY2021 1Q FY2022 impairment effects Ordinary Business 17.9 4.3 20.8 Profit Profit before income tax 14.6 -3.5 12.9 expense Profit Excluding the impact of attributable to own
Slide 30: Number of Retail-accounts and Deposits at Shinsei Bank
1. (2) Banking business: Shinsei Bank Group Number of Retail-accounts and Deposits at Shinsei Bank - Steady start toward achieving the mid-term goal of increasing deposit balance by JPY 1.6tn - Total amount of deposits (Left) Number of accounts (Right) (10 thousand accounts) 311 309 308 305 305 (JPY
Slide 31: Cooperation between SBI and Shinsei Bank Group ①
1. (2) Banking business: Shinsei Bank Group Status of Cooperation between SBI and Shinsei Bank Group①: Financial instruments intermediary and bank agency business [SBI SECURITIES] SBI SECURITIES and Shinsei Bank have formed a full business alliance through financial product intermediation and bank
Slide 32: Cooperation between SBI and Shinsei Bank Group ②
1. (2) Banking business: Shinsei Bank Group Status of Cooperation between SBI and Shinsei Bank Group② × Shinsei Bank provides debt financing (venture debt) to SBI Investment's portfolio venture companies, with the intention of supporting the growth of venture companies in terms of both equity and de
Slide 33: Cooperation between SBI and Shinsei Bank Group ③
1. (2) Banking business: Shinsei Bank Group Status of Cooperation between SBI and Shinsei Bank Group③ × The two companies collaborated to develop and launch “SBI CAR PLUS,” an auto credit service targeting the 16,000 auto dealers nationwide affiliated with SBI Auto Support and their customers (May 2
Slide 34: Change in SBI Sumishin Net Bank's Financial Results
1. (2) Banking business: SBI Sumishin Net Bank Change in SBI Sumishin Net Bank’s Financial Results (Equity method earnings / IFRS) SBI Holdings’ equity method earnings of SBI Sumishin Net Bank, based on IFRS for 1Q FY2022 was JPY 440m, down 84.5% year-on-year (JPY million) 3,000 2,838 Impacted by th
Slide 35: SBI Sumishin Net Bank's Performance (J-GAAP)
1. (2) Banking business: SBI Sumishin Net Bank SBI Sumishin Net Bank's Performance (J-GAAP) SBI Sumishin Net Bank's performance was supported by steady growth in lending in the housing loan business, with both J-GAAP ordinary revenues and ordinary profit increasing year-on-year Ordinary revenue Ordi
Slide 36: Number of Accounts and Deposits at SBI Sumishin Net Bank Since Opening
1. (2) Banking business: SBI Sumishin Net Bank Number of Accounts and Balance of Deposits at SBI Sumishin Net Bank Since Opening (Unit: 10 thousand (JPY billion) accounts) 9,000 556 600 535 Balance of Deposits (Left) 7,343 500 451 7,116 Number of accounts (Right) 393 354 400 6,294 321 6,000 283 5,39
Slide 37: Financial Results of SBI SAVINGS BANK
1. (2) Banking Business: SBI SAVINGS BANK Financial Results of SBI SAVINGS BANK Profit Before Income Tax Expense of Net Profit of SBI SAVINGS BANK SBI SAVINGS BANK (IFRS) (K-GAAP) (JPY million) (KRW billion) 8,155 193.6 177.7 6,554 YoY YoY -19.6% 2Q 107.1 -8.2% 87.6 1Q 86.5 90.1 1Q FY2021 1Q FY2022
Slide 38: SBI SAVINGS BANK's Prime Assets have Grown Steadily
1. (2) Banking Business: SBI SAVINGS BANK SBI SAVINGS BANK’s Prime Assets have Grown Steadily Changes in indicators since becoming Total assets exceeded a subsidiary (K-GAAP) KRW 15tn as of the end of June 2022 (KRW Delinquency rate *Converted at KRW 1 = JPY 0.1054 billion) for all loans Total Asset
Slide 39: Banking Subsidiaries in Russia and Cambodia
1. (2) Banking business： SBI Bank, SBI LY HOUR BANK In Our Banking Subsidiaries in Russia and Cambodia Focus on Prudent Business Management in Light of Market Environment and Local Conditions SBI Bank (Investment ratio 90.7%) Made it a wholly owned subsidiary in August 2017 A commercial bank in
Slide 40: Financial Services Business: Insurance business
1. Financial Services Business: (3) Insurance business [Major constituent companies] SBI Insurance Group, SBI Insurance, SBI Life Insurance, Small-amount short-term insurance companies [Business highlights] • SBI Insurance Group’s consolidated ordinary revenue for 1Q FY2022 (preliminary figures on a
Slide 41: SBI Insurance Group's Performance
1.(3) Insurance business SBI Insurance Group’s Performance Consolidated results for 1Q FY2022 (J-GAAP) (Unit: JPY million) 1Q FY2021 1Q FY2022 YoY % (Apr. – June 2021) (Apr. – June 2022) change Ordinary revenue 22,748 24,768 +8.9 Ordinary profit 2,468 2,801 +13.5 Profit attributable to parent of the
Slide 42: SBI Insurance Group's In-Force Contracts Steadily Increased
1.(3) Insurance business SBI Insurance Group’s Total Number of In-Force Contracts Steadily Increased SBI Insurance Group’s total number of in-force contracts CAGR 13.9% (Mar. 2016 to June 2022) JOGUCHI SAFETY SSI joins the Group (million) SBI PRISM SSI 2.50 joins the Group 2.46 2.49 2.33 SBI Nihon S
Slide 43: 2. Asset Management Business
2. Asset Management Business [Major constituent companies] Morningstar Japan, SBI Asset Management (a subsidiary of Morningstar Japan), Rheos Capital Works [Asset Management Business Consolidated Results (IFRS)] (JPY million) 1Q FY2021 1Q FY2022 YoY (%) (Apr. 2021 – June 2021) (Apr. 2022 – June 2022
Slide 44: Merger of Three Companies under the SBI Asset Management Group
2. Asset Management Business Merger of Three Companies under the SBI Asset Management Group Completed on August 1, 2022 Completed the merger of three companies under the SBI Asset Management Group (SBI Asset Management, SBI Bond Investment Management, SBI Regional Revitalization Asset Management), w
Slide 45: SBI Asset Management Group has Steadily Increased its AUM
2. Asset Management Business SBI Asset Management Group has Steadily Increased its AUM - Balance of investment assets nears JPY 3.8tn - AUM from institutional (JPY billion) investors, mainly regional 4,000 financial institutions, is JPY 2,097.9bn 3,782.8 SBI Asset Management Morningstar Asset Manage
Slide 46: SBI Group Asset Under Management Exceeds JPY 6.0tn
2. Asset Management Business Current Asset Under Management of the SBI Group Exceeds JPY 6.0tn as of end of June 2022 ・Began managing Shinsei Bank’s own (JPY billion) accounts from July 2022 Investment trusts, etc. Balance as of July 31, 2022: Approx. JPY 20bn 8,000 ・Plans to make Okasan Asset Manag
Slide 47: 3. Investment Business
3. Investment Business [Major constituent companies] Private Equity Business, SBI Leasing Service [Investment Business Consolidated Results (IFRS)] (JPY million) 1Q FY2021 1Q FY2022 YoY % change/ (Apr.-June 2021) (Apr.-June 2022) YoY change Revenue 14,779 21,606 +46.2 Profit before income tax expens
Slide 48: TP Bank Vietnam Recorded an Impairment Loss of Approximately JPY 24bn
3. Investment Business TP Bank Vietnam Recorded an Impairment Loss of Approximately JPY 24bn in 1Q due to Deterioration of the Stock Market and Sharp Changes in the FX Market During the April-June Period, but the Company’s Performance is Growing Steadily < Trend of profit before < TP Bank Market Cap
Slide 49: IPOs and M&As of SBI Group Investee Companies
3. Investment Business IPOs and M&As of SBI Group Investee Companies - IPOs of portfolio companies from major funds began to appear one after another, contributing to strong performance - Full-year FY2022 Full-year FY2021 prospects IPO・M&A deals 22 40 During the fiscal year, 8 Companies realized eit
Slide 50: Assets Under Management of the SBI Group
3. Investment Business Assets Under Management of the SBI Group (As of the end of June 2022) (*1) (*2) Private equity, etc. JPY 734.4bn (Excluding JPY 196.6 bn of both cash and commitment amount to be paid in) Breakdown of operating investment Breakdown of operating investment Amount securities by I
Slide 51: 4. Crypto-asset Business
4. Crypto-asset Business [Major constituent companies / business] SBI VC Trade, B2C2, Bitpoint Japan (after July 1, 2022), crypto asset mining business [Crypto-asset Business Consolidated Performance (IFRS)] (Unit: JPY million) 1Q FY2021 1Q FY2022 YoY % change (Apr.-June 2021) (Apr.-June 2022) / YoY
Slide 52: B2C2 Strengthening Profitability Through Increased Transactions and Customers
4. Crypto Asset Business B2C2, a Crypto Asset Liquidity Provider in the SBI Group, will Endeavor to Strengthen Profitability Through Increased Transactions and an Increase in the Number of Customers Average daily trading volume of B2C2 Trends in number of customers of B2C2 (2019 - 2022) (End of Dec.
Slide 53: SBI VC Trade's Number of Customers Drastically Increased
4. Crypto Asset Business SBI VC Trade’s Number of Customers have Drastically Increased through Expansion of Services and Running Campaigns Trend in the number of customers of SBI VC Trade (End of June 2020 – End of June 2022) 6.0 Jan. – Apr. 2022 5.4 *Indexed with the number of Joint campaign with S
Slide 54: Bitpoint Japan Expected to Contribute to Crypto-Assets Business Revenue
4. Crypto-asset Business Bitpoint Japan, which Became a Consolidated Subsidiary on July 1, 2022, Expected to Contribute to the Revenue of the Group’s Crypto-Assets Business BITPoint Japan Co., Ltd. (Acquired 51% of shares on July 1, 2022) • Established in Mar. 2016 as a virtual currency trader under
Slide 55: 5. Non-Financial Business
5. Non-Financial Business [Major constituent businesses] Biotechnology, Healthcare & Medical Informatics Businesses, other businesses that are at the stage of investment, including Web3.0 [Non-Financial Business Segment Consolidated Performance (IFRS)] (Unit: JPY million) 1Q FY2021 1Q FY2022 YoY % c
Slide 56: Profit Before Income Tax of Biotechnology, Healthcare & Medical Informatics Companies
Profit before Income Tax Expense of the Biotechnology, Healthcare & Medical Informatics Business Companies (IFRS) (Unit: JPY million) 1Q FY2021 1Q FY2022 (Apr. – June 2021) (Apr. – June 2022) SBI Biotech 458 206 5-ALA-related business* -164 198 * Simple sum of figures for group companies manufacturi
Slide 57: SBI Africa, which Operates Used Cars Export Business
5. Non-Financial Business SBI Africa, which Operates Used Cars Export Business for Overseas Markets SBI Africa achieved significant year-on-year increases in revenue and profit as a result of increased vehicle purchasing and sales volumes, while improving workflows and reducing costs in parallel
Slide 58: Reference Materials
<Reference Materials> [Unauthorized reproduction is prohibited] 57
Slide 59: Average Daily Individual Brokerage Trading Value
1. Securities-related business: Average Daily Individual Brokerage Trading Value (Total for two markets*) Average daily individual brokerage trading value (left-side scale) End-of-month Nikkei Average (right-side scale) (JPY) (JPY billion) 2,500 30,000 1Q FY2022 2,000 1Q FY2021 Individual Brokerage
Slide 60: Diversification of Revenue Sources at SBI SECURITIES
1. Securities-related business: Diversification of Revenue Sources, including Significant Increase in Trading Revenue and a Gradual Decrease in Dependence on Domestic stock Brokerage Commissions as Revenue from Online Trading - SBI SECURITIES to realize Neo-securities Initiative by 1H FY2023 - Trend
Slide 61: SBI SECURITIES NISA Account Openings
1. Securities-related business: SBI SECURITIES NISA Account Openings (thousand Number of NISA accounts NISA’s customer attribute of accounts) (Sept. 2015 – June 2022) SBI SECURITIES (%) 3,500 3,006 Existing 21.2 Number of new 3,000 customers Customers New opening NISA SBI customers accounts account
Slide 62: Expanding Customer Base in iDeCo Pension Business
1. Securities-related business SBI SECURITIES is Expanding Customer Base in the Individual Defined Contribution (iDeCo) Pension Business The SBI Group focused on the Individual Defined Contribution (iDeCo) pension business through SBI Benefit Systems (est. 2001), well before expectations for the mar
Slide 63: Trends in Trading Revenue of SBI SECURITIES
1. Securities-related business Trends in Trading Revenue of SBI SECURITIES (JPY million) Others (revenue through foreign currency bonds, etc.) 14,000 Crypto-asset trading revenue 12,112 12,962 -15.9% YoY 12,000 FX revenue 10,898 10,000 8,000 6,846 5,843 358 6,000 3,369 2,017 4,000 6,465 2,000 4,336
Slide 64: Loan Balance at Shinsei Financial Co., Ltd.
2. Banking-related business: Shinsei Bank Group Loan Balance at Shinsei Financial Co., Ltd. - Steady growth of Lake ALSA reversed the trend towards Increase of loan balances - Shinsei Bank Smart Guarantee No Loan Lake Lake ALSA Card Loan+ etc. (JPY billion) 509.9 516.8 482.4 476.3 484.6 19.8 47.0 28
Slide 65: Loan Balance at APLUS Co., Ltd.
2. Banking-related business: Shinsei Bank Group Loan Balance at APLUS Co., Ltd. (End of March 2019 - End of June 2022) -Shopping credit business continues to grow steadily- Housing-related loans etc. Credit card (JPY billion) Auto credits* Other shopping credits* 1482.4 1,495.6 * Including guarantee
Slide 66: Asset Balance Trends at Showa Leasing Co., Ltd.
2. Banking-related business: Shinsei Bank Group Asset Balance Trends at Showa Leasing Co., Ltd. - Endeavor to build up balance through the “Triangle Strategy” - (JPY billion) Shinko Lease Acquired on July 1, 2019 (now Shinsei Kobelco Leasing.) 581.0 569.0 554.6 552.6 490.7 2019 2020 2021 2022 2022 E
Slide 67: Expanding Housing Loan Volume at SBI Sumishin Net Bank
2. Banking-related business: SBI Sumishin Net Bank Accelerating the Expansion of the Volume of Housing Loan Products with Attractive Interest Rates and High Customer Benefits Change in Balance of Housing Loans (End of Mar. 2008 – End of June 2022) *1 Repayments deducted from cumulative total of new
Slide 68: SBI Group's Customer Base Has Grown
3. Group overview SBI Group’s Customer Base has Grown through Active Pursuit of Customer-centric Principles and Group Synergies (thousand) Breakdown of the Customer Base (As of the end of June 2022)*1,2 44,000 (thousand) 42,965 SBI SECURITIES 8,593 SBI NEOMOBILE SECURITIES (No. of accounts) 8,829 SB
Slide 69: Number of Companies and Consolidated Employees of the SBI Group
3. Group overview Number of Companies and Consolidated Employees of the SBI Group Number of Group companies End of Mar. 2022 End of June 2022 Consolidated subsidiaries (companies) 442 460 Consolidated partnerships (partnerships) 51 54 Total consolidated subsidiaries (companies) 493 514 Equity method
Slide 70: https://www.sbigroup.co.jp
https://www.sbigroup.co.jp [Unauthorized reproduction is prohibited] 69