Seven Bank, Ltd. · TSE:8410
Seven Bank — H1 FY2011 Earnings Presentation
12 slides from Seven Bank's earnings presentation, November 2011
Slide 1: Financial Results for the Second Quarter of Fiscal 2011
Financial Financial Results Results for for the the Second Second Quarter Quarter of of Fiscal Fiscal 2011 2011 November 2011
Slide 2: Contents and forward-looking statements
Financial Financial highlights highlights Page Page 22 Number Number of of ATMs ATMs Page Page 77 Developing Developing new new ATM ATM users users and and Income Income statement statement Page Page 33 expanding Page 8 expanding installation installation locations locations Factors Factors causing
Slide 3: Financial highlights
Financial Financial highlights highlights 【 FY 2011 interim results 】 ◆ Ordinary income (44.3 bn yen) and ordinary profit (15.7 bn yen) exceeded the plan as both revenues and income showed a year on year increase ～ ATM installations reached 16,000 ～ Measures to expand new users were successful ～ The
Slide 4: Income statement
Income Income statement statement (unit: billion yen unless otherwise stated） 2010 2011 2011 2011 Full year First half Change Change Full year First half First half Revised plan planned results from FY10 from plan Ordinary income 83.9 43.1 86.8 43.7 44.3 1.2 0.6 88.1 ATM-related fee income 80.5 41.4
Slide 5: Factors causing changes in ATM fee income
Factors Factors causing causing changes changes in in ATM ATM fee fee income income Results Resultsduring duringthe thefirst firsthalf halfwere weremostly mostlyin inline linewith withthe theplan plan ・Slightincrease ・Slight increasein inrevenue revenuedue duetotogrowth growthin intransactions trans
Slide 6: Non-bank transactions
Non-bank Non-bank transactions transactions ・Thenumber ・The numberofoftransactions transactionshas hasdecreased decreasedyear-on-year year-on-yearfrom fromthe thesecond secondhalf half of of 2008 2008 ・Thelevel ・The levelof ofdecrease decreaseininnon-banks non-bankstransactions transactionshas hasle
Slide 7: ATM transaction numbers and unit fee income trends
ATM ATM transaction transaction numbers numbers and and unit unit fee fee income income trends trends Half-year Half-year results results Full-year Full-year results results (Yen) Unit fee income （yen/transaction） (Yen) Unit fee income （yen/transaction ） 160 151.4 144.4 160 147.9 136.9 133.7 131.7 1
Slide 8: Number of ATMs
Number Number of of ATMs ATMs ・No.of ・No. ofATMs ATMshas hassteadily steadilyincreased increasedboth bothinside insideand andoutside outsidethe theGroup Group ・No.of ・No. of3G 3GATMs ATMsintroduced introducedinin2011 2011changed changedfrom frominitial initialplans plansof of1,200 1,200ATMs ATMsto t
Slide 9: Developing new ATM users and expanding installation locations
Developing Developing new new ATM ATM users users and and expanding expanding installation installation locations locations Aim Aim to to steadily steadily increase increase transactions transactions byby raising raising awareness awareness of of “close “close and and convenient” convenient” ATM ATM
Slide 10: Financing status
Financing Financing status status Balance Balance sheet sheet Strong Strong financial financial soundness soundness and and creditworthiness creditworthiness (Unit: billion yen) Tier TierI Icapital capitalratio ratio(Domestic (DomesticStandard) Standard) 53.02% 53.02%(preliminary (preliminaryfigure)
Slide 11: New services
New New services services International International money money transfer transfer services services Individual Individual loan loan services services Launched Launchedthrough throughInternet Internet&&mobile mobilebanking bankingininMarch March2011 2011 As Asof ofJune June2011, 2011,became becamep
Slide 12: Dividend policy
Dividend Dividend policy policy Policy Policy Seven SevenBank Bankaims aimsto tomaintain maintainaastable stabledividend dividendpayout, payout,targeting targetingaaminimum minimum payout ratio of 35% through twice-yearly payments (interim and year-end). payout ratio of 35% through twice-yearly paym