Sbi Holdings Incorporated · TSE:8473
Sbi — Sbi Holdings Inc Ord — Q3 2021 Earnings Presentation
95 slides from Sbi's earnings presentation, Mar 1, 2022
Slide 1: SBI Holdings, Inc. Financial Results for the Nine-month Period Ended December 31, 2021
Strategic Business Innovator SBI Holdings, Inc. Financial Results for the Nine-month Period Ended December 31, 2021 (Fiscal Year Ending March 31, 2022) February 28, 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. None of the Group companies guarantees the completeness of this document
Slide 3: Agenda
I. 9M FY2021 Consolidated Performance (IFRS) II. Thoroughly pursue synergies with Shinsei Bank Group in order to achieve dramatic growth together as a new SBI Group III. Major topics since Announcement of the Group’s financial results before consolidation of Shinsei Bank (Jan. 31) [Unauthorized repr
Slide 4: Matters to Note Regarding the Consolidation of Shinsei Bank
Matters to Note Regarding the Consolidation of Shinsei Bank • 9M FY2021 consolidated financial statements disclosed today includes Shinsei Bank’s B/S as of the end of Dec. 2021, and the P/L includes the gain on negative goodwill, etc. from the conversion of Shinsei Bank into a consolidated subsidiar
Slide 5: I. 9M FY2021 Consolidated Performance (IFRS)
I. 9M FY2021 Consolidated Performance (IFRS) [Unauthorized reproduction is prohibited] 4
Slide 6: Adjustment of Shinsei Bank's Consolidated Balance Sheet in Accordance with IFRS
Adjustment of Shinsei Bank’s Consolidated Balance Sheet in Accordance with IFRS Consolidation Process Key points of IFRS consolidation treatment of Shinsei Bank consolidated balance sheet ‣ Valuation of assets and liabilities at fair value (provisional treatment) ‣ Adjustments for differences betwee
Slide 7: 9M FY2021 Consolidated Statement of Financial Position: Assets
9M FY2021 SBI Holdings Consolidated Statement of Financial Position ＜IFRS： Assets＞ [Unauthorized reproduction is prohibited] 6
Slide 8: 9M FY2021 Consolidated Statement of Financial Position: Liabilities and Equity
9M FY2021 SBI Holdings Consolidated Statement of Financial Position ＜IFRS：Liabilities and Equity＞ Shinsei Bank As at Dec. 31, (Unit: JPY 100 millions) ＳＢＩ After consolidation 2021 adjustment Liabilities Bonds and loans payable 14,570 18,089 32,660 Trade and other accounts payable 3,460 3,025 6,485 L
Slide 9: Impact on P/L on Transition to IFRS due to Shinsei Bank Consolidation
Impact on P/L on Transition to IFRS due to Shinsei Bank Becoming a Consolidated Subsidiary ① For loans and other receivables (IFRS: trade and other receivables), an allowance for credit losses of JPY 68.2 bn has been recorded on an IFRS basis, as IFRS requires that an allowance be made for performin
Slide 10: Consolidated Statement of Comprehensive Income
9M FY2021 Consolidated Performance (IFRS) Consolidated Statement of Comprehensive Income ①Provision for ① credit losses on performing loans at the time of ② consolidation ②Gain on negative ③ goodwill upon consolidation ③Substantial impact [Unauthorized reproduction is prohibited] 9
Slide 11: 9M FY2021 Consolidated Performance (IFRS)
9M FY2021 Consolidated Performance (IFRS) [Year-on-year comparison] (Unit: JPY million) 9M FY2020 9M FY2021 YoY % (Apr. 2020-Dec. 2020) (Apr. 2021-Dec. 2021) change Record Revenue 362,218 high* 527,440 +45.6 Profit before income tax expense 93,738 Record high* 373,449 +298.4 Record Profit for the pe
Slide 12: Overview of Consolidated Performance Before Shinsei Bank Consolidation
[Overview of Consolidated Performance Before Shinsei Bank Consolidation] • Revenue increased 45.6% year-on-year to JPY 527.4bn; profit before income tax expense rose 298.4% year-on-year to JPY 373.4bn; and profit attributable to owners of the Company increased 508.2% year-on-year to JPY 369.8bn, whi
Slide 13: Performance Comparison with Major Securities Group Companies
Performance Comparison with Major Securities Group Companies （Ranking of Net Income） 9M FY2021 financial results (consolidated) of major securities companies (Unit: JPY billion) Net Operating Ordinary Income Net Income Revenue SBI Holdings 527.4 373.4 369.8 1 (Figures in parentheses are before （527.
Slide 14: 9M FY2021 Performance by Segment (IFRS)
9M FY2021 Performance by Segment (IFRS) [Year-on-year comparison] Profit before Income (Unit: JPY million) Revenue Tax Expense YoY % 9M FY2020 9M FY2021 YoY % 9M FY2020 9M FY2021 change / (Apr. 2020– (Apr. 2021– (Apr. 2020– (Apr. 2021– Dec. 2020) Dec. 2021) change Dec. 2020) Dec. 2021) YoY change Fi
Slide 15: II. Thoroughly pursue synergies with Shinsei Bank Group
II. Thoroughly pursue synergies with Shinsei Bank Group in order to achieve dramatic growth together as a new SBI Group *The business collaboration with Shinsei Bank described in this document will only take place if Shinsei Bank determines that it is in the best interests of its minority shareholde
Slide 16: Endeavoring to Unify the SBI Group and Shinsei Bank Group
Endeavoring to Unify the SBI Group and Shinsei Bank Group < Milestones so far > December 17, 2021 Shinsei Bank (TSE: 8303) becomes a consolidated subsidiary Katsuya Kawashima (then Vice President of SBI Holdings) and Katsumi Hatao January 1, 2022 (then Executive Officer of SBI Holdings) become advis
Slide 17: The Five Factors Stated in Sun Tzu's Art of War
The Five Factors Stated in Sun Tzu's Art of War Priority 1: Build and Pass on a Company’s Ideas and Philosophy "1. The Moral Law; 2. Heaven; 3. Earth; 4. The Commander; 5. Method and Discipline." – Sun Tzu The wise man focuses on five key factors when going into battle and places the "moral law" as
Slide 18: Drucker: Critical Task Is Establish Values, Mission, and Vision
According to Drucker, the Father of Management Studies, Critical Task Is Establish Values, Mission, and Vision "In the Next Society, the top management will in fact become the company. The responsibilities of this top management extend to align planning, strategy, value, principles, structure, relat
Slide 19: Measures to strengthen Shinsei Bank profitability and corporate value
Implement various measures and reforms to strengthen the profitability of Shinsei Bank, and enhance its corporate value, including the thorough pursuit of synergies to form a unified group and creating stronger ties with regional financial institutions By realizing a highly profitable structure, Shi
Slide 20: Universal Basic Views of Business Construction Shared with Shinsei Group
Universal Basic Views of Business Construction Shared with Shinsei Group Adhere to the "Customer-centric principle" Basic view 1． -Public benefit leads to private benefit- Forming a "corporate ecosystem" and exhaustive pursuit of Basic view 2． group synergies Basic view 3． Thorough devotion to innov
Slide 21: Basic view 1. Adhere to the Customer-centric principle
Basic view 1. Adhere to the "Customer-centric principle" - Public benefit leads to private benefit - [Unauthorized reproduction is prohibited] 20
Slide 22: Customer-centric principles committed since founding in 1999
"Customer-centric principles" that the SBI Group Has Been Committed Since its Founding in 1999 are also fully committed by Shinsei Group What does it mean to actively pursue "Customer-centric principles"? The active pursuit of services that are truly customer-oriented ・ Services with lower fees and
Slide 23: SBI SECURITIES Low Trading Fees for Customer-centric Principles
SBI SECURITIES Has Achieved Overwhelmingly Low Trading Fees since its Establishment to Ensure Customer-centric Principles （bp） （%） Change in Basis of SBI SECURITIES Change in Share of Individual Stock 35.0 [Basis: Brokerage commission Brokerage Value of SBI SECURITIES divided by brokerage trading va
Slide 24: Shinsei Bank: Retail Accounts, Deposits, and ATM Fees
Shinsei Bank: Retail Accounts, Deposits, and ATM Fees • Shinsei Bank’s retail accounts are trending down, while deposits have been flat for five years • ATM fees are deteriorating as convenience has declined for retail clients Shinsei Bank Retail Accounts Shinsei Bank Retail Account Balances (thousa
Slide 25: Initiatives to thoroughly pursue the Customer-centric principle
Initiatives to thoroughly pursuit the "Customer-centric principle" [Unauthorized reproduction is prohibited] 24
Slide 26: SBI SECURITIES and Shinsei Bank Partnership in Financial Products Intermediary
SBI SECURITIES and Shinsei Bank Begin Preparations for Full Partnership in Financial Products Intermediary Business Thoroughly implement the Group’s consistent “Customer-centric Principle” approach and provide highly convenient account services through the implementation of various measures [SBI SEC
Slide 27: SBI SECURITIES to Become a Bank Agent
SBI SECURITIES to Become a Bank Agent and Increase its Customer Base and Deposit Volume through a System of Deposits Exclusively for the Purchase of Securities that Link Seamlessly with Shinsei bank ＜Example of a scheme for immediate deposit linkage＞ [SBI SECURITIES] Japanese Yen Japanese Yen Deposi
Slide 28: Acquire New Credit Card Users through Credit Card Investment Trust
Acquire New Credit Card Users and Enhance Settlement Amount through Credit Card Investment Trust Savings Services, which is Popular Among Retail Investors [SBI SECURITIES] Investment Trust Savings Services (# of Trustors) (Set Amount) Introductions of 960 thousand JPY 57bn/ Customers CARD Credit Car
Slide 29: SBI MONEY PLAZA Co-managed Shops with Shinsei Bank
SBI MONEY PLAZA Collaborates with Shinsei Bank to Operate Co-managed Shops - Dispatch of Shinsei Bank Consulting Staff to co-managed shops - Operational Performance of Jointly Running Branches with Regional Financial Institutions of SBI MONEY PLAZA [22 Shops with 14 Banks] Assets on Deposits Revenue
Slide 30: Create Business Opportunities for the Wealthy Class
1. Retail Business: Creation of Business Opportunities for Business Targeting Wealthy Class Create Business Opportunities for the Wealthy Class by sharing SBI Group’s Customer Base, Operation Expertise and Competitive Solutions Strengths of SBI Group Shinsei Bank Alliance Benefits Enhanced [Expansio
Slide 31: Basic view 2. Form a corporate ecosystem
Basic view 2．Form a "corporate ecosystem" and exhaustive pursuit of group synergies [Unauthorized reproduction is prohibited] 30
Slide 32: The SBI Group's Vision of the Most Efficient Organization
Basic view 2. Form a “corporate ecosystem” and exhaustive pursuit of Group synergies The SBI Group’s Vision of the Most Efficient and Competitively Advantageous Organization The Corporate Ecosystem A "corporate ecosystem" is an economic community based on the interaction of organizations and individ
Slide 33: Corporate Ecosystem Promotes Positive Synergies
Basic view 2. Form a "corporate ecosystem" and exhaustive pursuit of Group synergies The Formation and Development of a Corporate Ecosystem will Promote Positive Synergies Among the Constituent Companies and Create a Process of Mutual Evolution with Each Market to Achieve Dramatic Corporate Growth G
Slide 34: SBI Group Rapid Growth by Pursuing Synergies
Basic view 2. Forming a “corporate ecosystem” and exhaustive pursuit of Group synergies The SBI Group has Achieved Rapid Growth by Exhaustively Pursuing Various Synergies in and out of the Group Securities Business synergy① Financial Service Synergy within the Business core business 3 major core bus
Slide 35: Pursuit of Synergies within the Shinsei Bank Group
Thoroughly Pursuit Synergies within the Shinsei Bank Group It is important not only to achieve synergies between the SBI Group and the Shinsei Bank Group, but also to strengthen synergies between businesses within the Shinsei Bank Group Synergy Synergy Biotechnology, Banking Leasing Asset Healthcare
Slide 36: SBI Group and Shinsei Bank Group Are Mutually Complementary
SBI Group and Shinsei Bank Group Have a Mutually Complementary Relationship The SBI Group has strengths in online securities and asset management businesses, while the Shinsei Bank Group has strengths in consumer finance-related businesses, including card loans, and structured finance businesses, wh
Slide 37: Areas of synergy between SBI Group and Shinsei Bank Group
Efforts to achieve synergies in the following areas between the SBI Group and the Shinsei Bank Group 1. Market investment business 2. Overseas business 3. Group management [Unauthorized reproduction is prohibited] 36
Slide 38: 1. Market investment business
1. Market investment business [Unauthorized reproduction is prohibited] 37
Slide 39: Improve Profitability of Shinsei Bank Fund Management
1. Market investment business Measures To Improve the Profitability of Fund Management of Shinsei Bank by Utilizing SBI Asset Management Group’s Expertise <Current situation of Shinsei Bank> • Standard management portfolio consisting of government bonds (including held-to-maturity securities), corpo
Slide 40: Collaboration in Market Sales and Treasury
1. Market investment business Collaboration in Market Sales and Treasury • SBI Liquidity Market has counterparties from 31 major financial institution in Europe, the U.S., and Japan, and handles a wide variety of foreign exchange flows. Based on its abundant trading liquidity, it can provide foreign
Slide 41: 2. Overseas business
2. Overseas business [Unauthorized reproduction is prohibited] 40
Slide 42: SBI Securities Expands Stock Business with Shinsei Overseas Offices
2. Overseas Business SBI Securities Expands Domestic and Overseas Stock Business Through Collaboration and Partnership with Overseas Offices of Shinsei Bank Group - Strengthening the Japanese equity business overseas with the Shinsei Bank Group’s U.K. base at the core - Establishment of a U.K. Offic
Slide 43: Pursuing Domestic and Overseas M&As in Non-banking Sector
2. Overseas Business SBI Group and Shinsei Bank Group are Actively Pursuing Domestic and Overseas M&As in the Non- banking Sector in Close Collaboration with Each Other Acquired by the Shinsei Bank Group in Sept. 2020, UDC Finance Limited (Auckland, NZ) boasts a robust operating foundation and syste
Slide 44: Expand Shinsei Overseas Infrastructure Using SBI Network
2. Overseas Business Expand Overseas Business Infrastructure of Shinsei Bank by utilizing the Network of SBI ① Subsidiary of Shinsei Bank Bank Shinsei International Limited SBI Bank (former YAR-Bank) United Kingdom (100% share, established in Sep. 2004) (90.74% share, established in Jun. 2011) Bank-
Slide 45: Expand Shinsei Overseas Base Using SBI Overseas PE Network
2. Overseas Business Expand Shinsei Bank’s Overseas Business Base by utilizing SBI Group’s Network ② [ SBI Group’s overseas PE business ] Germany ILIEV Group Major Russian conglomerate that operates and manages The largest high-technology Venture capital in Germany commercial real estate company in
Slide 46: 3. Group management
3. Group management (1) Integrate indirect departments, such as general human resources and general affairs, while retaining functions related to professional human resources in both groups (2) Establish an integrated legal compliance system and risk management system for the entire group, while giv
Slide 47: Integrate Indirect Departments Including Personnel and General Affairs
(1) Functions for Professional Talent Left With Both Groups, While Integrating Indirect Departments Including General Personnel and General Affairs While the employment, training, and management of professional talent has been preserved in each company and department until now, the indirect function
Slide 48: Integrated Legal Compliance and Risk Management System
(2) Construct Integrated Legal Compliance System and Risk Management System with a Holistic View of the Group, While Giving Utmost Attention to Shinsei Bank’s Independence Legal compliance system For the Shinsei Bank Group’s three main companies (Showa Leasing, APLUS, Shinsei Financial), concentrate
Slide 49: Cooperative Systems in Administrative Divisions
（3） The Following Administrative Divisions have also Established Cooperative Systems in Their Respective Business Areas The following administrative divisions have also established cooperative systems in their respective business areas to build unity Evaluate the content of each operation and co
Slide 50: Basic view 3. Thorough devotion to innovative technology
Basic view 3．Thorough devotion to innovative technology - Incorporating advanced technology through "investment" as an entry point - [Unauthorized reproduction is prohibited] 49
Slide 51: SBI Group's Basic Concept of Startup Investment Process
Basic view 3．Thorough devotion to innovative technology SBI Group’s Basic Concept of Startup Investment Process - Expand business by leveraging technological superiority to quickly capture technological advances - Three processes of the SBI Group’s Mechanism within the SBI Group basic strategy for s
Slide 52: SBI Investment Invests in Asia, America, Europe and Japan
Basic view 3．Thorough devotion to innovative technology SBI Investment Aggressively Invests in Asia, America, and Europe, as Well as in Japan - Invested in 1,053 companies since inception through management funds, of which 180 (17.1% of investee companies) have already exited through IPO or M&A - Cu
Slide 53: Concentrated Investment in Fintech Through Two Funds
Basic view 3．Thorough devotion to innovative technology Concentrated Investment in Fintech and Other Fields Through Two funds Established by SBI Investment Regional financial institution Regional financial institution investors: 29 investors: 56 FinTech Fund SBI (Fund size︓JPY 30.0bn) AI&Blockchain
Slide 54: SBI 4+5 Fund
Basic view 3．Thorough devotion to innovative technology In April 2021, the SBI 4+5 Fund Became One of the Largest Funds in Japan, Managing JPY100 bn to Further Expand Investment in AI, Blockchain, and DX-related Fields, which will Become Core Industries for the Next Generation SBI 4+5 Fund GP： （Offi
Slide 55: Knowledge from Fintech Investments; Key Portfolio Companies
Basic view 3．Thorough devotion to innovative technology Fully Utilize the Knowledge Gained Through the SBI Group’s Extensive Key portfolio companies Investments in the Fintech Field for Business Development Blockchain / Crypto-asset Marketing／Media Insurance Digital Bank Robotics / Autonomous drivin
Slide 56: Mutual Collaboration on Investment Opportunities
Basic view 3．Thorough devotion to innovative technology SBI Group and Shinsei Bank Group will Mutually Collaborate on Investment Opportunities, Promote Network Expansion and Strengthen Full Hands-on Venture Company Support System - Pursue synergies from economies of scale with a view to consolidatin
Slide 57: Shinsei Bank Group Engages in Digital Space, Digital Asset Banking
Basic view 3．Thorough devotion to innovative technology Shinsei Bank Group, as a Member of SBI Group, Endeavors to Engage in Businesses in the Digital Space, Especially Digital Asset Banking - The SBI Group will transform itself into a new digital financial ecosystem by organically combining new tec
Slide 58: Digital Asset Banking - A New Business Model
Basic view 3．Thorough devotion to innovative technology Digital Asset Banking - A New Business Model - In the Fintech 2.0 era, where digital assets play a major role in the expression of value, blockchain-native banks that can handle digital assets (digital asset banking) are essential - Example of
Slide 59: Initiatives for the Web 3.0 Era
Basic view 3．Thorough devotion to innovative technology Initiatives for the Web 3.0 Era that the SBI Group Undertakes to Achieve Sustainable Growth Realization of varieties of businesses in the Digital Space - Accelerated digitalization in all areas of society - • Digital finance • Neo-culture • eSp
Slide 60: SBI Group as Next-generation Platformer in Various Fields
Basic view 3．Thorough devotion to innovative technology The SBI Group Endeavors to be a Next-generation Platformer in Various Fields Individual strategies • Provide integrated issuance, distribution and custody STO • functions Endeavor to create one of the Security Token world’s largest global corri
Slide 61: SBI Group Contributes to Creation of Systems in the Digital Space
Basic view 3．Thorough devotion to innovative technology SBI Group also Contributes to the Creation of Systems in the Digital Space Japan STO Association ST Research Consortium The Japan STO Association, established in Oct. 2019 under the leadership of SBI Group, has Contributed to the formulation of
Slide 62: Basic view 4. Formulate strategies that anticipate the near future
Basic view 4．Formulate and implement strategies that anticipate the near future -The overall and individual strategies- The overall strategy of the SBI Group is a groupwide effort that is consistent with social issues, national goals, etc., while keeping an eye on the changing times. The overall str
Slide 63: Overall Strategies and Individual Strategies
Establishing "Overall Strategies" and "Individual Strategies" to Align and Mobilize all Group Companies to Create Efficient Synergies and Strengthen the Sense of Unity among Them Individual strategy Business unit Business unit Individual Individual strategy strategy The overall strategy Business uni
Slide 64: Case Study: Shinsei Participates in Regional Revitalization
Case study of individual strategy and overall strategy: Shinsei Bank Group to actively participate in SBI Group’s efforts towards regional revitalization Overall strategy Proactively contribute to regional revitalization through value co-creation with major economic entities in local communities Ind
Slide 65: Individual Strategies for Regional Financial Institutions
Individual Strategies Striving to expand the income potential at regional financial institutions by leveraging resources held by the Shinsei Bank Group <Examples> 1. Credit guarantee business (including unsecured loan business) 2. Neo-bank platform BANKIT 3. Structured finance business 4. Leasing bu
Slide 66: Regional Revitalization Strategy: Regional Financial Institution Support Platform
Regional Revitalization Strategy Adding the Shinsei Bank Group into a Regional Financial Institution Support Platform As a result of the trend toward easing of regulations as restrictions on scope of operations and capital contributions are reexamined, the nonbank domain ushers in an era of new reve
Slide 67: 1. Credit guarantee business
1. Credit guarantee business (including unsecured loan business) -Expanding its initiatives on credit guarantee business towards regional financial institutions- [Unauthorized reproduction is prohibited] 66
Slide 68: Expand Credit Guarantee Business at Shinsei Bank Group
Expand Credit Guarantee Business at Shinsei Bank Group -Leveraging the SBI Group’s regional financial institutions network to offer full line-up credit guarantee business - Players Service offerings ・Shinsei Financial ・Loan service ・Alpha Servicer ・Servicer (credit collection) ・SecondXight analytica
Slide 69: Shinsei Bank's Unsecured Loans (Lake ALSA) Performing Well
Shinsei Bank’s Unsecured Loans (Lake ALSA) are Performing Well on a Year-on-year Basis Number of new customer acquisitions in Q3 (Oct. – Dec. 2021): +27% YoY Number of applications: 99,000 in the Q3, up +14% year-on-year Signing rate: Increased to 36.8% in the three months period Quarterly tre
Slide 70: 2. Neo-bank platform BANKIT
2. Neo-bank platform BANKIT - Strengthening the functions of apps for regional financial institutions and introduction of new services - [Unauthorized reproduction is prohibited] 69
Slide 71: Leverage BANKIT Platform Created by APLUS
Leverage BANKIT Platform, Created by APLUS, to Enhance App Function and New Service Introductions at Regional Financial Institutions Using APLUS as the business operator, a platform that offers financial services including settlements held by the Shinsei Bank Group, foreign exchange, and credit func
Slide 72: 3. Structured finance business
3. Structured finance business [Unauthorized reproduction is prohibited] 71
Slide 73: Shinsei Bank Expertise in Structured Finance for Wide Range of Assets
3. Structured Finance Business Shinsei Bank has Expertise in Structured Finance for a Wide Range of Assets Project finance portfolio (end of Dec. 2021) < Balance of operating assets> Thermal power Thermal power (gas) (Biomass) (Unit: billion yen) Thermal Thermal Gas power power (gas) related, 4% 3%
Slide 74: Strengthen Structured Finance
3. Structured Finance business Strengthen Structured Finance (Provision of senior loans and LBO loans) • Shinsei Bank has expertise in structured finance for a wide range of assets • As the medium-term management plan focuses on partnerships with regional financial institutions for collaborative val
Slide 75: Synergies in the Renewable Energy Field
3. Structured Finance business Proposed Collaboration in Structured Finance： ① Synergies in the Renewable Energy Field ＜Examples of the SBI Group in the area of renewable energy＞ Promoting the development of farm-based solar power generation (solar sharing) in various regions. Introduced nationwide
Slide 76: Synergies in Project Finance
3. Structured Finance business Proposed Collaboration in Structured Finance： ② Synergies in Project Finance Shinsei Bank has limited the customer base of its project finance to major regional banks, however, other financial institutions also have a strong need to participate in the project finance b
Slide 77: Co-Work in SBI Group's Real Estate Related Business
3. Structured Finance business Proposed Collaboration in Structured Finance： ③ Co-Work in SBI Group’s Real Estate Related Business <Examples of collaboration opportunities> Development of high-quality real estate Partial provision of non-recourse loans for real estate development Formation of re
Slide 78: 4. Leasing Business
4. Leasing Business [Unauthorized reproduction is prohibited] 77
Slide 79: Enhance Leasing Business
Enhance Leasing Business [In cooperation with the SBI Group’s customer base] Shinsei Bank Group can expand its operating base by providing Showa Leasing’s lease-related products to SBI Group customers and customers of regional financial institutions which are SBI’s capital and business alliance part
Slide 80: 5. Supply Chain Finance Business
5. Supply Chain Finance Business [Unauthorized reproduction is prohibited] 79
Slide 81: Explore Supply Chain Finance Business with Shinsei Bank
Working with Shinsei Bank to Explore Supply Chain Finance Business to Improve Cash Flow and Data Transparency in regional SMEs <Case: general payments> <Case: supply chain finance> • Significant time and effort are required for • Supply chain finance refers to a system that supports troublesome paym
Slide 82: R3's Corda Supply Chain Platform
R3’s Corda with which the SBI Group Has Collaborated Provides a Supply Chain Platform with a Competitive Advantage by Ensuring both Data Accuracy and Confidentiality <Example of Application> BYFIN, the SBI Group’s local subsidiary in Hong Kong, and RootAnt in Singapore, an investment company of SB
Slide 83: III. Major topics after announcement of results before Shinsei consolidation
III. Major topics after the announcement of the financial results before the consolidation of Shinsei Bank (January 31) 1. SBI SECURITIES launches new partnership with Tokyu Point and d Point to expand its multipoint economy 2. Approval for listing of SBI Sumishin Net Bank on the First Section of th
Slide 84: 1. SBI SECURITIES partnership with Tokyu Point and d Point
1. SBI SECURITIES launches new partnership with Tokyu Point and d Point to expand its multipoint economy [Unauthorized reproduction is prohibited] 83
Slide 85: The Limits of a Self-contained Loyalty Points Ecosystem ①
The Limits of a Self-contained Loyalty Points Ecosystem ① Rakuten Securities and Rakuten Bank, which are promoting initiatives in its self-contained loyalty point ecosystem (i.e., Rakuten point ecosystem), decreased profit ratio despite an increase in the number of accounts. In the Self-contained Po
Slide 86: The Limits of a Self-contained Loyalty Point Ecosystem ②
The Limits of a Self-contained Loyalty Point Ecosystem ② - As profit margins from point redemption declined, rules on redemption rules were frequently revised - Major changes in Rakuten Group’s point allocation in the last one year Date of Contents of revision implementation 2021/2～ Bonus Point Limi
Slide 87: Customers Seeking to Transfer Investment Trusts from Rakuten Securities
A Flood of Customers Seeking to Transfer Their Investment Trusts due to Rakuten Securities’ Change in Point Award Rate • As of Feb. 13, 2022, Rakuten Securities has a one-month waiting list to process the transfer of mutual funds to other securities companies (the procedure usually takes about a wee
Slide 88: SBI Group to Develop a Multipoint Ecosystem
SBI Group will Leave the Self-Contained Point Ecosystem to Develop a Multipoint Ecosystem • SBI Group has decided to abolish its in-house “SBI Point” point system • The future strategy for points is to establish a multipoint ecosystem by collaborating with various points that companies outside the G
Slide 89: Multipoint Ecosystem at SBI SECURITIES
The Multipoint Ecosystem Currently Being Developed at SBI SECURITIES Points Economy Services provided by SBI T-Point Number of members - Investment trusts can be purchased with T-points utilized during the year: - With SBI NEOMOBILE SECURITIES, T-points can also be used for 70,610,000 domestic stock
Slide 90: SBI Sumishin Net Bank Approved for New Listing on TSE
2. SBI Sumishin Net Bank (TSE: 7163) Approved for New Listing on TSE - Listing scheduled for March 24, 2022 - Purpose： To improve recognition and trust / To secure independent financing for system investments To increase independence as a neutral platform for accelerating the rollout of the neo-
Slide 91: Completed the Sale of All Shares of Quark Pharmaceuticals
3. Completed the Sale of All Shares of Quark Pharmaceuticals, Inc. • Announced on February 12, 2021 Primary and secondary endpoints were not met in the primary endpoints of a Phase III clinical trial of a drug for the prevention of acute kidney injury (AKI) conducted by Quark Pharmaceuticals, Inc.
Slide 92: Reference Materials
<Reference Matereials> [Unauthorized reproduction is prohibited] 91
Slide 93: SBI Group's Customer Base
SBI Group’s Customer Base, which was Expanded through the Thorough Pursuit of the Customer-centric Principle and Group Synergies (Thousand) Breakdown of the Customer Base (As of the end of Dec. 2021)*1,2 (Thousand) 43,000 41,637 SBI SECURITIES SBI NEOMOBILE Securities (No. of accounts) 8,018 SBI Neo
Slide 94: Number of Companies and Consolidated Employees of the SBI Group
Number of Companies and Consolidated Employees of the SBI Group Number of Group companies March 2021 December 2021* Number of consolidated subsidiaries 264 446 Number of consolidated partnerships 35 46 Total consolidated subsidiaries 299 492 Number of equity method companies 40 60 Total Group compan
Slide 95: https://www.sbigroup.co.jp
https://www.sbigroup.co.jp [Unauthorized reproduction is prohibited] 94