Slide 1: Briefing for institutional investors
‒ ‒ ࠰உൿምƳǒƼƴ ᇹഏɶኺփᚘဒƷᡶཞඞ ‒ ‒ ࠰உଐ ఇࡸ˟ᅈ๔ᘍᲢᲣ ᪽ӕ᭗ᅙʚᢹ
Slide 2: Contents
┠ḟ㻌 ḩᵌ๔ᘍỉಒᙲᴾ ɧѣငಅӼẬᗡỉӕụኵỚཞඞᴾ ᵐᵒᴾ ỊẳỜỆᴾ ᵑᴾ ਃ̬ἿὊὅồỉӕụኵỚཞඞᴾ ᵐᵓᴾ ๔ᘍỉಒᙲᴾ ᵒᴾ ஊ̖ᚰУᚸ̖Ⴉỉཞඞᴾ ᵐᵔᴾ ࡃᑄἕἚὁὊἁᴾ ᵓᴾ ʙಅࣱᚸ̖ồỉӕụኵỚᴾ ᵐᵕᴾ Ḫᵌᵐᵗ࠰ᵑஉൿምỉಒᙲᴾ ૾עоဃồỉӕụኵỚίᾀὸᴾ ᵐᵖᴾ ᵐᵗ࠰ᵑஉൿምᴾ Ⴉỉཞඞᴾ ᵕᴾ ૾עоဃồỉӕụኵỚίᾁὸᴾ ᵐᵗᴾ ಅѦቫМႩفถỉᙲ׆ᴾ ᵖᴾ ૾עоဃồỉӕụኵỚίᾂὸ ᵑᵎ ЈὉ᪳Ὁஊ̖ᚰУМׅụᴾ ᵗᴾ ૾עоဃồỉӕụኵỚίᾃὸᴾ ᵑᵏᴾ ዮ᪳സ᭗ᴾ ᵏᵎᴾ ૾
Slide 3: Overview of Shiga Bank
䊠㻚㈡㖟⾜䛾ᴫせ㻌 ஐ峘உଗ
Slide 4: Introduction
䛿䛨䜑䛻㻌 ŷŲųŃŃŰŨŶŶŤŪŨŃ ٭᪃ểਪỆợẾềᴾ ؏עᅈ˟ỉႆޒỆᴾ ᝡྂẲዓẬỦᴾ ᴾ ᴾᴾẐசஹоᡯᘍᴾᴾẒᵲᶆᶃὉẼẩỮẓẑᴾ ᴾ ửႸਦẲộẴẇᴾ 3
Slide 5: Overview of Shiga Bank
㈡㖟⾜䛾ᴫせ㻌 タ㻌 㻌 㻌 㻌 㻌 㻌 ❧㻌 䠔ᖺ䠍䠌᭶䠍᪥㻌 ⥲㻌 㻌 ㈨㻌 㻌 ⏘㻌 䠑䠑䠈䠍䠓䠏൨㻌 ㈨㻌 㻌 ᮏ㻌 㻌 㔠㻌 䠏䠏䠌൨㻌 ᚑ㻌 ᴗ㻌 ဨ㻌 ᩘ㻌 䠎䠈䠍䠎䠑ே㻌 ド㻌 ๆ㻌 䝁㻌 䞊㻌 䝗㻌 䠔䠏䠒䠒㻌 䠍䠏䠓䜹ᗑ㻌 㻌 ᗑ㻌 㻌 ⯒㻌 㻌 ᩘ㻌 䠄䛖䛱௦⌮ᗑ㻝㻤䜹ᗑ䚸㻌 ᾏእ䠍䜹ᗑ䠅㻌 㡸㻌 㔠㻌 ṧ㻌 㧗㻌 䠐䠒䠈䠍䠓䠐൨䠄ㆡΏᛶ㡸㔠ྵ䜐䠅㻌 ㈚ ฟ 㔠 ṧ 㧗㻌 䠏䠐䠈䠓䠎䠐൨㻌 㻌 䠝䠇㻌㻌 㻌䠄䠦䠟䠮䠅㻌㻌 ᱁㻌 㻌 㻌 㻌 㻌 㻌 㻌 䠝䠇㻌 㻌 䠄䠮䠃䠥䠅㻌 ᵐᵗ࠰ᵑஉᵑᵏଐྵנᴾ 4
Slide 6: Branch network
ᗑ⯒䝛䝑䝖䝽䞊䜽㻌 䛂䛧䛜䛞䜣䛃䛾ᗑ⯒ᒎ㛤䠄䛻䛨䜏ฟ䛧ᡓ␎䠅 ᗑ⯒ᩘ㻌 ㈡┴㻌 㻝㻝㻜㻌 ி㒔ᗓ㻌 㻌 㻝㻡㻌 ᾏ㻌 እ㻌 㜰ᗓ㻌 㻌㻌㻌㻌㻢㻌 䠍ᗑ⯒䠇䠎ົᡤ㻌 ୕㔜┴㻌 㻌㻌㻌㻌㻞㻌 ឡ▱┴㻌 㻌 㻌 㻝㻌 ᒱ㜧┴㻌 㻌 㻌 㻝㻌 ㈡㻌 ᮾி㒔㻌 㻌㻌㻌㻌㻌㻝㻌 㻌 ᒱ㜧㻌 䠍㻝㻜ᗑ⯒㻌 䠍ᗑ⯒㻌 ᾏእ䠄㤶 䠅㻌 㻌 㻌 㻝㻌 ி㒔㻌 㻌 ྜィ㻌 㻝㻟㻣㻌 䠍䠑ᗑ⯒㻌 㜰㻌 ཱྀவ峙岝ଚઋ峘嵁崫崱崧崎嵛Ń 䠒ᗑ⯒㻌 ឡ▱㻌 ┴ᗇᡤᅾᆅ䠄䠦䠮ὠ㥐䠅䛛䜙䛾㛫㻌 䠍ᗑ⯒㻌 䠦䠮ி㒔㥐㻌 㻌 㻥ศ㻌 䠦䠮㜰㥐㻌 㻌㻌㻟㻥ศ㻌 ㈡䞉ி㒔䛾㻌 ୕㔜㻌 ᗑ⯒ᡤᅾᆅ㻌 ᮾி㻌 䠎ᗑ⯒㻌
Slide 7: Overview of FY March 2017 results
䊡㻚ᖹᡂ㻞㻥ᖺ㻟᭶ᮇỴ⟬䛾ᴫせ㻌 ಒ峘峝峹ູপ୨ౌপভ
Slide 8: FY March 2017 results: income statement
ᖹᡂ㻞㻥ᖺ㻟᭶ᮇỴ⟬㻌 ᦆ┈䛾≧ἣ㻌 Ṽᴾ ኺᝲỉถݲẆɨ̮ἅἋἚỉถݲሁỆợụ࢘ኝМႩỊЭ࠰ỆഏẫᢅӊᵐဪႸỉ൦แᴾ ᴾ ṳҥ˳ᴾ 䛆༢䠖൨䛇㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ๓ᖺẚ㻌 䠘䝫䜲䞁䝖䠚㻌 㻌 ᴗົ⢒┈㻌 㻢㻜㻢㻌 㻡㻣㻞㻌 ᵏᴾ 䕧㻟㻠㻌 䐟ᴗົ⢒┈䠄䕧㻟㻠൨䠅㻌 㻌 㻌 ㈨㔠┈㻌 㻠㻥㻠㻌 㻠㻤㻟㻌 䕧㻝㻝㻌 㻌 䞉㈨㔠┈䛿㈚ฟ㔠ᜥῶᑡ䜢㻌 㻌 㻌 䛖䛱㈚ฟ㔠ᜥ㻌 㻌 㻟㻥㻤㻌 㻟㻤㻜㻌 䕧㻝㻣㻌 㻌 㻌 ᅉ䛸䛧䚸๓ᖺẚ㻝㻝൨ῶᑡ䚹㻌 㻌 㻌 㻌 㻌 㻌 䛖䛱᭷౯ドๆᜥ㓄ᙜ㔠㻌 㻌 㻝㻞㻣㻌 㻝㻟㻢㻌 㻤㻌 㻌 䞉䛭䛾ᴗົ┈䛿മๆ㛵ಀᦆ
Slide 9: Factors in change in core business profit
ᴗົ⢒┈ቑῶ䛾せᅉ㻌 Ṽᴾ МႩὉẸỉ˂ಅѦМႩỉถݲỆợụẆಅѦቫМႩỊЭ࠰ൔᵑᵒΕόỉถႩᴾ МႩᴾ ࢫѦᴾ Ẹỉ˂ᴾ ẔҥˮᾉΕόẕᴾ Јᴾ ஊ̖ᚰУᴾ ᪳ሁᴾ ὺᵖᴾ ὺᵓᴾ ṵᵐᴾ ṵᵐᵎᴾ ᵔᵎᵔᴾ ṵᵒᵒᴾ ᵓᵕᵐᴾ ὺᵐᵔᴾ ᅇ䜚㻌 ᖹṧ 28࠰3உ 29࠰3உ ᾋἯỶὅἚᾍᴾ ὉЈМऒᴾᴾᴾᴾᴾᴾᴾᴾᴾᴾ ᴾ ᴾṵᵏᵕᵌᵔΕόίМׅụᙲ׆ṵᵒᵒᵌᵎΕόẆസᙲ׆ὺᵐᵔᵌᵒΕόὸᴾ Ὁஊ̖ᚰУМऒᣐ࢘ᴾ ᴾὺᵖᴾᵌᵒΕόίόͺṵᵓᵌᵏΕόẆ৲̮ὺᵏᵎᵌᵑΕόẆٳͺὺᵐᵌᵏΕόễỄὸᴾ Ὁ᪳ሁМऒᴾᴾᴾᴾᴾᴾᴾᴾᴾᴾᴾᴾᴾᴾᴾὺᵓ
Slide 10: Yields on loans, deposits and securities
㈚ฟ㔠䞉㡸㔠䞉᭷౯ドๆᅇ䜚㻌 Ẕҥˮᾉήẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ๓ᖺẚ㻌 ㈚ฟ㔠ᅇ䜚㻌 㻝㻚㻡㻤㻌 㻝㻚㻠㻢㻌 㻝㻚㻟㻣㻌 㻝㻚㻞㻣㻌 㻝㻚㻝㻠㻌 ᵏᴾ 䕧㻜㻚㻝㻟㻌 ᭷౯ドๆᅇ䜚㻌 㻜㻚㻥㻟㻌 㻜㻚㻥㻝㻌 㻜㻚㻥㻞㻌 㻜㻚㻥㻟㻌 㻝㻚㻜㻜㻌 ᵐᴾ 㻜㻚㻜㻣㻌 㡸㔠➼ᅇ䜚㻌 㻜㻚㻜㻣㻌 㻜㻚㻜㻢㻌 㻜㻚㻜㻡㻌 㻜㻚㻜㻡㻌 㻜㻚㻜㻟㻌 ᵑᴾ 䕧㻜㻚㻜㻞㻌 ㈚ฟ㔠ᅇ䜚 ᭷౯ドๆᅇ䜚 㡸㔠➼ᅇ䜚 ᾋἯỶὅἚᾍᴾ Ẕҥˮᾉήẕᴾ ṞЈМׅụᴾ ᵐᵌᵎᵎ ἰỶἜἋМሊỉݰλሁᴾ Ệợụ˯Мཞ७ầᧈ
Slide 11: Total deposit balance
⥲㡸㔠ṧ㧗䠄ᮇᮎṧ㧗䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ๓ᖺẚ㻌 ┴ෆ㻌 㻟㻢㻘㻠㻜㻣㻌 㻟㻣㻘㻞㻜㻟㻌 㻟㻤㻘㻞㻣㻣㻌 㻟㻤㻘㻢㻠㻤㻌 㻟㻥㻘㻥㻠㻟㻌 㻝㻘㻞㻥㻠㻌 ┴እ 㻡㻘㻡㻟㻤 㻡㻘㻠㻤㻡 㻡㻘㻢㻜㻢 㻡㻘㻢㻡㻞 㻢㻘㻞㻟㻝 㻡㻣㻤 ྜィ㻌 㻠㻝㻘㻥㻠㻡㻌 㻠㻞㻘㻢㻤㻤㻌 㻠㻟㻘㻤㻤㻟㻌 㻠㻠㻘㻟㻜㻝㻌 㻠㻢㻘㻝㻣㻠㻌 㻝㻘㻤㻣㻟㻌 ẔҥˮᾉΕόẕᴾ Ⴤϋ Ⴤٳ ᾋἯỶὅἚᾍᴾ ᵓᵎᵊᵎᵎᵎ 㻠㻢㻘㻝㻣㻠㻌 μ˳ỂỊЭ࠰ൔᵏᵊᵖᵕᵑΕᴾ ᵒᵓᵊᵎᵎᵎ 㻠㻞㻘㻢㻤㻤㻌 㻠㻟㻘㻤㻤㻟㻌 㻠㻠㻘㻟㻜㻝㻌 㻠㻝
Slide 12: Total loan balance
⥲㈚ฟ㔠ṧ㧗䠄ᮇᮎṧ㧗䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ๓ᖺẚ㻌 ┴ෆ㻌 㻝㻣㻘㻡㻥㻟㻌 㻝㻤㻘㻠㻣㻢㻌 㻝㻥㻘㻞㻠㻤㻌 㻞㻜㻘㻞㻝㻡㻌 㻞㻝㻘㻜㻠㻟㻌 㻤㻞㻣㻌 ┴እ 㻝㻜㻘㻣㻜㻝 㻝㻜㻘㻣㻣㻞 㻝㻝㻘㻟㻡㻢 㻝㻞㻘㻠㻡㻥 㻝㻟㻘㻢㻤㻜 㻝㻘㻞㻞㻝 ྜィ㻌 㻞㻤㻘㻞㻥㻠㻌 㻞㻥㻘㻞㻠㻤㻌 㻟㻜㻘㻢㻜㻡㻌 㻟㻞㻘㻢㻣㻡㻌 㻟㻠㻘㻣㻞㻠㻌 㻞㻘㻜㻠㻥㻌 ẔҥˮᾉΕόẕᴾ ᾋἯỶὅἚᾍᴾ Ⴤϋ Ⴤٳ μ˳ỂỊЭ࠰ൔᵐᵊᵎᵒᵗΕᴾ ᵒᵎᵊᵎᵎᵎ 㻟㻠㻘㻣㻞㻠㻌 όفьẇᴾ ᵑᵓᵊᵎᵎᵎ 㻟㻞㻘㻢㻣㻡㻌 ᴾᴾ 㻞
Slide 13: Expenses and OHR
⤒㈝䞉䠫䠤䠮㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ๓ᖺẚ㻌 ே௳㈝㻌 㻞㻟㻤㻌 㻞㻟㻡㻌 㻞㻟㻞㻌 㻞㻞㻤㻌 㻞㻞㻜㻌 䕧㻌㻣㻌 ≀௳㈝㻌 㻝㻣㻟㻌 㻝㻣㻠㻌 㻝㻣㻡㻌 㻝㻣㻜㻌 㻝㻢㻣㻌 䕧㻌㻟㻌 ⛯㔠㻌 㻞㻜㻌 㻞㻜㻌 㻞㻝㻌 㻞㻡㻌 㻞㻢㻌 㻌㻝㻌 ⤒㈝ྜィ㻌 㻠㻟㻞㻌 㻠㻟㻜㻌 㻠㻞㻥㻌 㻠㻞㻠㻌 㻠㻝㻠㻌 ᵏᴾ 䕧㻌㻝㻜㻌 㹍㹆㹐㸦㸣㸧 㻢㻤㻚㻤㻥㻌 㻣㻜㻚㻝㻤㻌 㻣㻞㻚㻟㻢㻌 㻢㻥㻚㻥㻣㻌 㻣㻞㻚㻟㻥㻌 ᵐᴾ 㻞㻚㻠㻞㻌 ẔҥˮᾉΕόẕᴾ ኺᝲӳᚘ ᾞᾗᾡίήὸ Ẕҥˮᾉήẕᴾ ᾋἯỶὅἚᾍᴾ ᵒᵓᵎ 90
Slide 14: Credit costs and risk-managed loans
ಙ䝁䝇䝖䛸䝸䝇䜽⟶⌮മᶒ䛾≧ἣ䛆༢య䛇㻌 ಙ䝁䝇䝖䠄༢య䠅 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ๓ᖺẚ㻌 ಙ䝁䝇䝖㻌 㻢㻟㻌 㻟㻜㻌 䕧㻠㻝㻌 㻞㻞㻌 㻠㻌 䕧㻝㻤㻌 䝸䝇䜽⟶⌮മᶒ䛾≧ἣ ẔҥˮᾉΕόẕᴾ ἼἋἁሥྸͺೌ ݣዮЈസ᭗ൔྙ Ẕҥˮᾉήẕᴾ ᾋἯỶὅἚᾍᴾ Ṟɨ̮ἅἋἚᴾ ᵏᵊᵎᵎᵎ ᵓ ᴾ ɟᑍ͂ࡽ࢘ỉถݲᴾ ᵗᵎᵎ 904 ᴾ ỆợụẆЭ࠰ൔࠢٻถݲẇᴾ ᵖᵎᵎ 855 ᵒ ᴾ ᵕᵎᵎ ṟἼἋἁሥྸͺೌỉཞඞᴾ 717 ᵔᵎᵎ 659 ᵑ ᴾ ἼἋἁሥྸͺೌസ᭗ễᴾ 3.1
Slide 15: Progress of sixth medium-term management plan
䊢㻚➨䠒ḟ୰ᮇ⤒Ⴀィ⏬䛾㐍噢≧ἣ㻌 ‒ ‒ ‒ 峘౪ൡقাك
Slide 16: Overview of sixth medium-term management plan
➨䠒ḟ୰ᮇ⤒Ⴀィ⏬䛾ᴫせ㻌 䠄ᖹᡂ㻞㻤ᖺ㻠᭶䡚ᖹᡂ㻟㻝ᖺ㻟᭶䠅㻌 㻢ḟ୰ィ㻌 䝯䜲䞁䝔䞊䝬㻌 䝏䜵䞁䝆㻌㻒㻌䝏䝱䝺䞁䝆㻌 㛗ᮇⓗ䛻㻌 ┠ᣦ䛩䜉䛝ጼ㻌 ᮍ᮶㐀㖟⾜㻌 䛂㼀㼔㼑䞉䛱䛞䜣䛃㻌 䛚ᐈ䛥䜎ᑐᛂ䝇䝢䞊䝗㻌 ⤌⧊㐠Ⴀ䝇䝢䞊䝗㻌 䝁䝇䝖ᵓ㐀㻌 㻟 䛾䝏䜵䞁䝆㻌 䛾䝏䜵䞁䝆㻌 䛾䝏䜵䞁䝆㻌 叅 叏 䇾䝣䜯䞊䝇䝖䞉㻌 吘 䇾䜘䜚㏿䛟㻌 䜒䛳䛸ᯝᩒ䛻䇿㻌 㻌 䇾➽⫗㉁䛺㖟⾜䇿㻌 㻌 䝁䝭䝳䝙䜿䞊䝅䝵䞁䝞䞁䜽䇿㻌 㻌 叾 ᐇ⾜䜎䛷䛾䝇䝢䞊䝗䜢ୖ䛢䚸㻌 ⤒Ⴀຠ⋡䛾ᨵၿ䛻ྥ䛡䚸㻌 呉 ୍␒䛻┦ㄯ䛥䜜䚸᭱䜒㏿䛟䚸㻌 Ỵ䜑䛯䛣䛸䛿ᚲ䛪᭱ᚋ䜎䛷㻌 ⪷ᇦ䜢タ䛡䛪㻌 ᇶ 吏 ぶษ䞉ぶ㌟䛻ᑐᛂ䛩䜛㖟⾜㻌 䜔䜚䛝䜛Ỵ
Slide 17: Progress of challenge indicators
ᣮᡓᣦᶆ䛾㐍噢≧ἣ㻌 31ᖺ3᭶ᮇ 29ᖺ3᭶ᮇ 㻞㻤ᖺ㻟᭶ᮇ䠄䝇䝍䞊䝖್䠅 䠒ḟ୰ィᣮᡓᣦᶆᴾ ィ⏬ᴾ ᐇ⦼ᴾ ᐇ⦼ 䝇䝍䞊䝖್ẚ㍑㻌 ⥲㡸䜚㈨⏘䠄ᮎṧ䠅㻌 㻌 㻡㻜㻘㻜㻜㻜൨㻌 㻠㻤㻘㻞㻡㻣൨㻌 㻠㻢㻘㻠㻠㻝൨㻌 㻝㻘㻤㻝㻢൨㻌 㻌 䠄⥲㡸㔠䠇ᢞ㈨ಙク䠇බඹമ䠇㔠⼥ၟရ௰䠅ᴾ ⥲㈚ฟ㔠䠄ᮎṧ䠅㻌 㻌 ᴾ 㻟㻡㻘㻜㻜㻜൨㻌 㻟㻠㻘㻣㻞㻠൨㻌 㻟㻞㻘㻢㻣㻡൨㻌 㻞㻘㻜㻠㻥൨㻌 ㈡┴ෆ㈚ฟ㔠䝅䜵䜰䠄䠂䠅㻌 㻡㻜䠂㻌 䠄䈜䠅㻠㻣㻚㻤㻝䠂㻌 㻠㻣㻚㻟㻞䠂㻌 㻜㻚㻠㻥䠂㻌 㻌 㻌 䠄ၟᕤ୰㔠୍㒊䛾㔠⼥ᶵ㛵䜢㝖䛟䠅㻌 ᐊຠᯝ䜺䝇ฟ㔞๐ῶ䠄䠂䠅㻌 㻟㻜䠂๐ῶ㻌 㻟㻜㻚㻤㻣䠂๐ῶ㻌
Slide 18: Status of total loans
⥲㈚ฟ㔠䛾≧ἣ㻌 ⥲㈚ฟ㔠㻌 䇾䠏䠑䠌䠌䠌൨䇿㻌 䛆༢䠖൨䛇㻌 ᾋἯỶὅἚᾍᴾ 㻠㻜㻘㻜㻜㻜 ὉЭ࠰ൔᵐᵊᵎᵒᵗΕόفьẲẆᵑᵏ࠰ᴾ 㻟㻡㻘㻜㻜㻜 ᴾ ᵑஉᚘဒộỂസụᵐᵕᵔΕόẇᴾ ᴾ 㻟㻜㻘㻜㻜㻜 Ὁɶ˖ݱಅӼẬЈỊẆЭ࠰ൔᴾ 㻞㻡㻘㻜㻜㻜 ᴾ ᵏᵊᵎᵔᵔΕόểٻẨẪفьẇᴾ 㻞㻜㻘㻜㻜㻜 ᴾ 34,724 35,000 30,605 32,675 㻝㻡㻘㻜㻜㻜 29,248 㻝㻜㻘㻜㻜㻜 㻡㻘㻜㻜㻜 㻜 㻞㻢ᖺ㻟᭶ᮇ 㻞㻣ᖺ㻟᭶ᮇ 㻞㻤ᖺ㻟᭶ᮇ 㻞㻥ᖺ㻟᭶ᮇ 䞉䞉䞉 㻟㻝ᖺ㻟᭶ᮇィ⏬ ୰ᑠᴗ➼㈚ฟ㔠ṧ㧗䠄ᮎṧ䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻢ᖺ㻟᭶ᮇ
Slide 19: Corporate service fees
ἲேᴗᛶᡭᩘᩱ䛾≧ἣ㻌 Ẕҥˮᾉႊɢόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 䝡䝆䝛䝇䝬䝑䝏䞁䜾㻌 㻞㻜㻌 㻣㻥㻌 㻡㻤㻌 㻤㻢㻌 㻝㻣㻝㻌 㻹䠃䠝䞉ᴗᢎ⥅㻌 㻝㻣㻌 㻡㻠㻌 㻣㻡㻌 㻝㻣㻜㻌 㻞㻡㻣㻌 䝅䞉䝻䞊䞁➼㻌 㻤㻣㻌 㻝㻝㻢㻌 㻝㻥㻢㻌 㻞㻟㻝㻌 㻟㻝㻠㻌 ⚾ເമ㛵㐃䠄ᡭᩘᩱ䞉ಖドᩱ䠅㻌 㻠㻡㻌 㻞㻢㻌 㻝㻝㻢㻌 㻝㻢㻠㻌 㻞㻞㻜㻌 䜽䝻䝇䝉䝹➼㻌 㻝㻝㻜㻌 㻝㻞㻟㻌 㻤㻟㻌 㻝㻟㻠㻌 㻟㻜㻥㻌 ἲேྥ➼ཷධᡭᩘᩱィ㻌 㻞㻤㻝㻌 㻠㻜㻝㻌 㻡㻟㻜㻌 㻣㻤㻢㻌 㻝㻘㻞㻣㻟㻌 䠘ཧ⪃䠚ᙺົྲྀᘬ➼┈㻌 㻢㻘㻜㻥㻟㻌 㻡㻘㻥㻥㻞
Slide 20: Status of total deposits and assets
⥲㡸䜚㈨⏘䛾≧ἣ㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ๓ᖺẚ㻌 ⥲㡸㔠䠄ᮎṧ䠅㻌 㻠㻞㻘㻢㻤㻤㻌 㻠㻟㻘㻤㻤㻟㻌 㻠㻠㻘㻟㻜㻝㻌 㻠㻢㻘㻝㻣㻠㻌 㻝㻘㻤㻣㻟㻌 㡸䜚㈨⏘䠄ᮎṧ䠅㻌 㻞㻘㻟㻥㻞㻌 㻞㻘㻟㻟㻟㻌 㻞㻘㻝㻟㻥㻌 㻞㻘㻜㻤㻞㻌 䕧㻡㻢㻌 ᢞ㈨ಙク㻌 㻝㻘㻞㻝㻠㻌 㻝㻘㻟㻢㻟㻌 㻝㻘㻟㻟㻣㻌 㻝㻘㻟㻡㻞㻌 㻝㻠㻌 බඹമ㻌 㻥㻣㻟㻌 㻤㻟㻤㻌 㻢㻥㻟㻌 㻡㻣㻢㻌 䕧㻝㻝㻢㻌 㔠⼥ၟရ௰㻌 㻞㻜㻠㻌 㻝㻟㻞㻌 㻝㻜㻤㻌 㻝㻡㻟㻌 㻠㻡㻌 ྜィ 㻠㻡㻘㻜㻤㻝㻌 㻠㻢㻘㻞㻝㻢㻌 㻠㻢㻘㻠㻠㻝㻌 㻠㻤㻘㻞㻡㻣㻌 㻝㻘㻤㻝㻢㻌 䛆༢䠖
Slide 21: Review of branch functions
䝬䞊䜿䝑䝖䛸ὶ䛻ᛂ䛨䛯ᗑ⯒ᶵ⬟䛾ぢ┤䛧㻌 ḟୡ௦ᗑ⯒䛾᳨ウ㻌 ࡃᑄૠᴾ ᵏᵒ࠰ᵑஉᴾ ᵐᵗ࠰ᵑஉᴾ Эൔᴾ 䝇䝬䞊䝖ᗑ⯒㻌 䜲䞁䝍䞊䝛䝑䝖ᨭᗑ㻌 ૅࡃᴾ ᵏᵏᵕᴾ ᵗᵖᴾ ṵᵏᵗᴾ ᶵ⬟≉ᆺᗑ⯒䛾ᒎ㛤㻌 Јࢌᴾ ᵐᵐᴾ ᵐᵏᴾ ṵᵏᴾ ἲே≉ᆺᗑ⯒㻌 ಶே≉ᆺᗑ⯒㻌 ˊྸࡃᴾ ᵐᴾ ᵏᵖᴾ ὺᵏᵔᴾ 䡚䛻䛨䜏ฟ䛧ᡓ␎䛾῝䡚㻌 䡚䝥䝷䝄䞉䝟䞊䝋䝘䝹䛾ά⏝䡚㻌 ӳᚘᴾ ᵏᵒᵏᴾ ᵏᵑᵕᴾ ṵᵒᴾ ฟᙇᡤ䞉௦⌮ᗑ㻌 䡚䝬䞊䜿䝑䝖≉ᛶ䛻ᛂ䛨䛯ᒎ㛤䡚㻌 ᾋἯỶὅἚᾍᴾ ὉૅࡃỊႺᡈᵏᵓ࠰᧓ỂᵏᵗỽࡃถݲẲẆˊྸࡃầᴾ ᴾ ᵏᵔỽࡃفьẇᴾ 䝣䝹䝞䞁䜻䞁䜾ᗑ⯒䛾ᶵ⬟ྥୖ㻌 ᴾ ὉჄϋ
Slide 22: Productivity improvement initiatives
⏕⏘ᛶྥୖ䜈䛾ྲྀ䜚⤌䜏㻌 ᚑᴗဨ୍ேᙜ䛯䜚㈚ฟ㔠 ᚑᴗဨᩘ Ẕҥˮᾉʴẕᴾ Ẕҥˮᾉႊɢόẕᴾ 2,000 2,365 ⏕⏘ᛶ䛜ᨵၿ 2,400 2,319 2,350 1,750 2,268 2,262 2,300 1,500 1,634 2,250 2,187 1,250 2,200 1,293 2,125 2,150 1,128 1,173 1,000 1,064 996 2,100 750 2,050 500 2,000 㻝㻠ᖺ㻟᭶ᮇ 㻝㻣ᖺ㻟᭶ᮇ 㻞㻜ᖺ㻟᭶ᮇ 㻞㻟ᖺ㻟᭶ᮇ 㻞㻢ᖺ㻟᭶ᮇ 㻞㻥ᖺ㻟᭶ᮇ Ⴀᴗᗑ䜸䝨䝺䞊䝅䝵䞁ᨵ㠉㻌 ᾋἯỶὅἚᾍᴾ 䛚ᐈ䛥䜎䛾౽ᛶ䛾ྥୖ㻌 Ṟᵏᵕ࠰ᵑஉ
Slide 23: Improving customer convenience
䛚ᐈ䛥䜎䛾౽ᛶྥୖ䜈䛾ྲྀ䜚⤌䜏㻌 㔠⼥ᶵ㛵䛸䛾䠝䠰䠩┦↓ᩱ㛤ᨺ䛻䜘䜛䛚ᐈ䛥䜎䛾౽ᛶྥୖ㻌 ᗡೞ᧙ᴾ ๔ᘍᴾ ๔ɶ̮ᴾ ᧈා̮ဇᴾ ฯி̮ဇᴾ Ⴤൟ̮ဇᴾ Ⴤ̮ᴾ ʮᣃɶ̮ᴾ ӳᚘᴾ ᾐᾣᾜӨૠᴾ ᵔᵏᵓᴾ ᵕᵒᴾ ᵒᵏᴾ ᵑᵕᴾ ᵓᴾ ᵐᵎᴾ ᵔᵖᵑᴾ ᵏᵊᵒᵕᵓᴾ 䠄䈜䠅䠝䠰䠩ྎᩘ䛿䚸䝥䝺䝇䝸䝸䞊䝇Ⅼ㻌 㻌 䠘䝫䜲䞁䝖䠚㻌 㻌 䞉ᖹᡂ㻞㻤ᖺ㻟᭶㻢᪥䝃䞊䝡䝇㛤ጞ䚹㻌 㻌 䞉ᥦᦠ䛻䜘䜚䚸㈡┴ෆ䞉ி㒔ᗓෆ䛷䛾㢳ᐈ㻌 㻌 㻌 ౽ᛶ䛜ᖜ䛻ୖ᪼䚹㻌 㻌 䞉ி㒔ᗓෆ䛾౽ᛶྥୖ䛻䜘䜚䚸ఫᏯ䝻䞊䞁㻌 㻌 㻌 䛷䜒ᡂᯝ䚹㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 2
Slide 24: Deposit and loan share in Shiga Prefecture
㈡┴ෆ㡸㈚㔠䝅䜵䜰䠄㻡ᖺ๓ẚ㍑䠅㻌 䛆㻌 ᖹᡂ㻞㻟ᖺ㻥᭶ᮎ㻌 䛇㻌 㡸㔠䝅䜵䜰 䜵䜰 䛆㻌 ᖹᡂ㻞㻤ᖺ㻥᭶ᮎ㻌 䛇 Ẹỉ˂ Ẹỉ˂ ᵐᵏᵌᵒᵕᵃ ᵐᵏᵌᵏᵖᵃ ᴾ ᴾ 㻌 㻌 㻌 ㈡㖟⾜㻌 ๔ᘍ ๔ᘍ 㻌 㻌 㻌 ㈡㖟⾜㻌 㻌 㻌 㻌 ᵒᵒᵌᵐᵒᵃ 㻠㻠㻚㻞㻠䠂㻌 ᵒᵒᵌᵔᵓᵃ ̮Ὁ̮ኵ 㻌 㻌 㻌 㻠㻠㻚㻢㻡䠂㻌 ̮Ὁ̮ኵ ᴾ ᵏᵔᵌᵕᵔᵃ ᴾ ᵏᵔᵌᵖᵒᵃ ᇹʚע ᇹʚע ᣃ ᵏᵐᵌᵎᵔᵃ Ḥỡ ḤỡạẼỢᘍẆᴾ ᣃ ᵏᵏᵌᵗᵔᵃ ᵐᵌᵑᵏᵃ ՠɶửᨊẪᴾ ՠ ᵐᵌᵑᵎᵃ Ẹỉ˂ע Ẹ ˂ע Ẹỉ˂ע ᴾ ᵑᵌᵎᵒᵃ ᵑᵌᵏᵗᵃ
Slide 25: Customer-focused consulting services
ື⏘㈤㈚ᴗྥ䛡⼥㈨䛾ྲྀ䜚⤌䜏≧ἣ㻌 ẔҥˮᾉΕόẕᴾ 㻞㻠ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ẚ㍑䠄㻡ᖺ๓䠅㻌 㡯㻌 ┠㻌 ṧ㧗㻌 䝅䜵䜰㻌 ṧ㧗㻌 䝅䜵䜰㻌 ṧ㧗㻌 䝅䜵䜰㻌 ㈚ฟ㔠ྜィ䠄ᅜෆᗑศ䠅㻌 㻞㻣㻘㻠㻠㻟㻌 㻟㻠㻘㻡㻥㻤㻌 㻣㻘㻝㻡㻡㻌 ෆ㻌 ື⏘ᴗ䞉≀ရ㈤㈚ᴗ㻌 㻠㻘㻜㻜㻝㻌 㻝㻠㻚㻡䠂㻌 㻡㻘㻢㻝㻞㻌 㻝㻢㻚㻞䠂㻌 㻝㻘㻢㻝㻝㻌 㻝㻚㻣䠂㻌 ㈤㈚䜰䝟䞊䝖䛾ධᒃ⋡䛾≧ἣ㻌 ື⏘㈤㈚ᴗྥ䛡⼥㈨ṧ㧗䛾䜶䝸䜰ูศᕸ㻌 †す ᖹᆒ ᙜ⾜⼥㈨≀௳ ᮾி 㜰 8.2% † 4.7% ὠ 95.5% ⏥㈡ 100% 93.5% 93.5% 22.6% 89.4% 83.5% ி㒔 ᮾ㏆Ụ
Slide 26: Real estate rental loans
૮૿৳嵕嵤嵛峢峘峴ੌ峩૾ய㻌 ↓ᢸಖ䝻䞊䞁ṧ㧗᥎⛣㻌 䛚ᐈ䛥䜎᥋Ⅼ䚸䝃䞊䝡䝇㻌 䛆༢䠖൨䛇㻌 䕻䝁䞊䝹䝉䞁䝍䞊䜢᥋Ⅼ䛸䛧䛯䚸䛚ᐈ䛥䜎䛤䛸䛻䝉䜾䝯䞁䝖䛥䜜䛯㻌 500 㻌 㻌᭱㐺䛺ၟရ䛾ᥦ㻌 䕻䛂ᑐヰ䛃䛸䛂㠀ᑐ㠃䛃䛾⼥ྜ䛻䜘䜚䚸䛚ᐈ䛥䜎䛛䜙ồ䜑䜙䜜䜛㔠㻌 400 㻌㻌㻌⼥䝃䞊䝡䝇䛾ᐇ⌧㻌 300 500 200 285 333 䛚㻌ᐈ㻌䛥㻌䜎㻌 100 243 0 27ᖺ3᭶ᮇ 28ᖺ3᭶ᮇ 29ᖺ3᭶ᮇ … 31ᖺ3᭶ᮇ┠ᶆ ᑐヰ䛻䜘䜛䝃䞊䝡䝇㻌 㠀ᑐ㠃䛻䜘䜛䝃䞊䝡䝇㻌 䛆༢䠖൨䛇㻌 䠄᭱㐺ᥦ䚸䜰䝗䝞䜲䝇䠅㻌 䠄౽ᛶ䚸䝉䝹䝣⤖䠅㻌 㡯㻌 ┠㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌
Slide 27: Business evaluation based lending
થଊ௬இ峘૾ய㻌㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ‶ᮇಖ᭷┠ⓗ㻌 㻙㻌 㻜㻌 㻣㻌 㻙㻌 㻙㻌 Ꮚ♫ᰴᘧ㻌 㻙㻌 㻙㻌 㻙㻌 㻙㻌 㻙㻌 䛭䛾᭷౯ドๆ㻌 㻤㻞㻡㻌 㻝㻘㻜㻟㻜㻌 㻝㻘㻢㻞㻢㻌 㻝㻘㻠㻡㻤㻌 㻝㻘㻢㻡㻠㻌 ᰴᘧ㻌 㻡㻝㻜㻌 㻤㻞㻠㻌 㻝㻘㻟㻤㻠㻌 㻝㻘㻝㻣㻟㻌 㻝㻘㻡㻠㻡㻌 മๆ㻌 㻟㻝㻣㻌 㻞㻜㻞㻌 㻞㻜㻜㻌 㻞㻡㻡㻌 㻝㻟㻡㻌 䛭䛾㻌 䕧㻞㻌 㻟㻌 㻠㻝㻌 㻞㻥㻌 䕧㻞㻢㻌 䛆䛭䛾᭷౯ドๆホ౯ᕪ㢠㔠䛇 㻡㻤㻠㻌 㻣㻝㻥㻌 㻝㻘㻝㻡㻤㻌 㻝㻘㻜㻢㻜㻌 㻝㻘㻝㻥㻥㻌 㻌 䛆᪥⤒ᖹᆒᰴ౯
Slide 28: Growth support for clients
হਙ௬峢峘峴ੌ峩㻌㻌 ᱁䝁䝭䝳䝙䜿䞊䝅䝵䞁䞉䝃䞊䝡䝇㻌 ࠗᴗᛶホ౯࠘ᇶ࡙ࡃ⼥㈨ 㻌 㻌 㻌 㻌 㻌 䠄᱁䠟䠯䠅㻌 ࢯ࣮ࣜࣗࢩࣙࣥࡢᥦ౪ 㻌 ᴗ⏺ືྥ䜔ᴗෆ 㻌 㧗 㻌 ᐜ䛾䚸䛚ᐈ䛥䜎䛾 㻌 㐣 㐣ཤ䛾㈈ົ≧ἣ䜢 卬 㻌 ཤ㻌 ศᯒ䛧䚸䛚ᐈ䛥䜎䛾 㐣 䛂ᴗ㌿䛃㻌 ᆅ 䛂ᙉ䜏䛃䛂ᙅ䜏䛃䜢ඹ ཤ 䛂⤒Ⴀᨵၿ䛃㻌 ᡂ㛗ᨭ㻌 ᇦ 䛾 ᭷䛩䜛㻌 ㈈ 㻌 㻌 ᨭ㻌 劭ົ ⤒ ᐃ ῭ ᱁䝅䝭䝳䝺䞊䝅䝵䞁䞉䝃䞊䝡䝇㻌 㔞ሗ 叏 㻌 㻌 㻌 㻌 䠄᱁䠯䠯䠅㻌 㠃䞉 Ⓨ 䛚ᐈ䛥䜎䛾⤒Ⴀᡓ 劮᱁ Ύ⟬䞉ᗫᴗ➼㻌 ⏕ᨭ㻌 ᒎ 䛾ᨭ㻌 㻔䠇ᡂ㛗ᨭ㻕㻌 㻌 ␎㻔┠ᶆ㻕䛻ᇶ䛵䛟ᑗ
Slide 29: Regional revitalization initiatives
্ে峢峘峴ੌ峩كق㻌㻌 岣ஹ崸嵑岤峘崾嵑嵛崱৲峼৯峃হ峼崝嵅嵤崰㻌 㻌 ٴਈপ峘崸嵑ᄎသ峑岬峵崗崳崐崨ઙૄভ岶ਈৗོ崔嵑崡崷崎崡峼૦ਝ岿島峨峁峉岞 ٴਊষ峙ਛফা峘ੑమ岵峳崝嵅嵤崰峁岝ஹ岝ୠসਃঢ়峒৴峁峔岶峳岣ஹ崸嵑岤 峘ୠ崾嵑嵛崱৲峕峲峵౻৷峮௴峘ੜਸ峔峓岝ୠણਙ৲峕峎峔岶峵੧੯峒峁峐峴ੌ峩峨峁峉岞 28
Slide 30: Regional revitalization initiatives (2)
্ে峢峘峴ੌ峩ق㻞 㻞ك㻌 ୠ峘ਁુਝ峼ણ৷峁峉ৗ峉峔ਓ峘ল ఀૅ峒峔峍峉ૅༀ峼 ৈਣ ુ౭ಖഡઙૄভ ણ৷峁峉༳෫崕崶崛峘 ఀૅ峒峔峍峉৵৾ૅ ৗ峉峔েਓುਡ ༳෫崕崶崛థ峘 ૅༀ峼ফ૮ଖ েਓૼ ق༳෫崕崗嵑崚岝崟崌崧崙ك ০ஸ੍ ழ੍ ਁড়৴ ཱྀவষ 29
Slide 31: Regional revitalization initiatives (3)
্ে峢峘峴ੌ峩ق㻟ك㻌 嵑 崛嵒嵤崲ழ๓岶ཱྀவোਯਸ਼ڮਜ਼峕㻌㻌 z 峉峗峮崘嵓嵤崿岶৽峃峵嵑崛嵒嵤崲ழ๓قਛ ˮᴾ ᵐᵕ࠰ᴾ λᡂܲૠᴾ ίҘʴὸᴾ ফা崒嵤崿嵛ك岶岝ਛফ峘ཱྀவ௴ো ᵏᴾ᱅ُỾἻἋᴾ ᵏᵊᵔᵕᵖᴾ ਯਜ਼峒峔峴ཱྀவਗ岵峳岹峘岴岿峨岶ਟ ᵐᴾἻᴾ ἅἼὊἜᡈ൶οࠪᴾ ᵏᵊᵔᵐᵐᴾ 岿島峐岮峨峃岞 ᵑᴾٶٻᅈᴾ ᵏᵊᵔᵎᵗᴾ z 峕峙岝ਮஞწ峘崟嵏崫崿嵣ཹภ岶岬峴峨峃岞 ᵒᴾᢊỉᬜẐᕲỉẝỄầỪẑᴾ ᵖᵕᵎᴾ 䈜㈡┴ほගධ㎸ᐈ⤫ィㄪᰝ㻌 䈜㻌䛯䛽䜔䜾䝹䞊䝥ᥦ౪㻌 30
Slide 32: Regional revitalization initiatives (4)
্ে峢峘峴ੌ峩ق㻠ك㻌 ਢ૭ચ峔岣岤峘峒ୠ峘ன峼ৢ峂峉ୠણਙ৲峕岻ਜ㻌㻌 z 峘ன峕峲峵ୠ峘৽ੋ嵣ਓஷ௪峼৯峕岝ਧমளઙૄভ峔峳峝峕ઙૄভ 崽崉嵤嵈嵣崊嵑崌崊嵛崡嵣嵆崵崠嵉嵛崰峒ਜੈৡ峕ঢ়峃峵ੈ峼ഁ岞 z 峘বੳಉ峘੭েਓ岻岣ম੍ର崝嵅嵤崰嵕嵤嵛岥*$3ੳ崝嵅嵤崰崿嵑嵛岦ҧ峘 ۅڶڼ 峴ඞ岮峼৫岞 *RRG $JULFXOWXUDO 3UDFWLFH *$3قেਓੵஙଵ৶ك峒峙 েਓણ峘ਢਙ峼ન৳峃峵峉峫岝୫ષ৸岝୭৳৸岝ௌ௮৸峕ঢ়峃峵১ഥಉ峼Ꮝஹ峃峵峉峫峘ਡਫ਼ඨ৯峼
Slide 33: Regional revitalization initiatives (5)
্ে峢峘峴ੌ峩كق ඇ峬島峉ୠৱ౺峘ગৄ峕峲峵ୠ峘n༵峴峒ঽਦ|峼ᅿਛ After 峲峩岶岲峍峉 ௴ఠଗ ழ๓ଅ 岣௴ఠଗ岤 ᪥ᮏ100ྡᇛ ௴ఠଗ Before 峮峠峕 ང峹島峉લซ 32
Slide 34: Initiatives for strategic CSR
ᡓ␎ⓗ䠟䠯䠮䜈䛾ྲྀ䜚⤌䜏㻌 岽島峨峑峘ਅറٔۇۈڸα قਅറ৲ك峕峲峴ુથக峼ୗ峃峵 䛥䜙䛻㻌 䛂ᡓ␎ⓗ 䛣䜜䜎䛷 䛂㻗α 䛃䠄ᡓ␎䠅㻌 䕔ᮏᴗ䜈䛾ⴠ䛸䛧㎸䜏㻌 䕔 ඹ᭷౯್䛾㐀㻌 㻯㻿㻾䛃䛸䛿㻌 䛾㻯㻿㻾㻌 ᙉ➼㻌 ㉗࿊ ਛফাଜ峨峑峕భ峣ষ岮峉峊岷岝ੑ 峘৵৾ૅಉ峕岝岬峹峅峐௲ਐৼਊ峘ఞ๔ષ峼๔Ⴋ 33
Slide 35: FY March 2018 earnings forecast
䊣㻚ᖹᡂ㻟㻜ᖺ㻟᭶ᮇᴗ⦼ண㻌 峘ኈູ峒ట 34
Slide 36: FY March 2018 earnings forecast (1)
ᖹᡂ㻟㻜ᖺ㻟᭶ᮇ㻌 ᴗ⦼ண㻔㻝㻕㻌 Ṽᵑᵎ࠰ᵑஉỊኺᝲỉفьὉɨ̮ἅἋἚỉفьሁỆợụẆ࢘ኝМႩỂᵑᵗΕόỉถႩʖेᴾ ᴾ ṳҥ˳ᴾ 䛆༢䠖൨䛇㻌 29ᖺ3᭶ᮇ 30ᖺ3᭶ᮇ ᾋἯỶὅἚᾍᴾ ๓ᖺẚ㻌 ᐇ⦼㻌 ぢ㎸䜏㻌 ṞЈМׅụỉ˯ɦᴾ 㻌㻌ᴗົ⢒┈㻌 㻡㻣㻞㻌 㻡㻢㻡㻌 ᵏᴾ 䕧㻣㻌 ᴾᴾᴾሁỆợụЭ࠰ൔᵕΕόᴾ 㻌 ㈨㔠┈㻌㻌㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌 㻌㻌 㻠㻤㻟㻌 ᴾᴾᴾỉถݲửᙸᡂớẇᴾ 㻌 ᙺົྲྀᘬ➼┈㻌 㻢㻡㻌 ᴾ 㻌 䛭䛾ᴗົ┈㻌 㻞㻟㻌 ṟἉἋἘἲ᧙ᡲἅἋἚỉᴾ ᴾ ᴾفьሁỆợụЭ࠰ൔᴾ 㻌㻌⤒㈝㻌 㻌 㻌 㻌 㻌
Slide 37: FY March 2018 earnings forecast (2)
ᖹᡂ㻟㻜ᖺ㻟᭶ᮇ㻌 ᴗ⦼ண㻔㻞㻕㻌 ṳҥ˳ᴾ ɼᙲѥܭίᡫỉɶרസ᭗ὸᴾ 䛆㔠㢠༢䠖൨䛇㻌 ṳҥ˳ᴾ Мׅụᴾ 䛆༢䠖䠂䛇㻌 ண㻌 ண㻌 ๓ᮇẚ㍑㻌 ቑῶ⋡㻌 ๓ᮇẚ㍑㻌 ᖹᆒṧ㧗 ᅇ䜚 㻌 㡸㔠➼䠄ㆡΏᛶ㡸㔠ྵ䜐䠅㻌 45,719 1,048 2.3䠂 㻌 㡸㔠➼䠄ㆡΏᛶ㡸㔠ྵ䜐䠅㻌 0.03 0.00 㻌 ㈚ฟ㔠㻌 35,135 1,819 5.4䠂 㻌 ㈚ฟ㔠㻌 1.06 䕧0.08 㻌 ᭷౯ドๆ㻌 12,920 䕧599 䕧4.4䠂 㻌 ᭷౯ドๆ㻌 1.03 0.03 ṳҥ˳ಅጚʖेᴾ 䛆༢䠖൨䛇 ṳᡲኽಅጚʖेᴾ 䛆༢䠖൨䛇㻌 㻞㻥ᖺ㻟᭶ᮇ㻌
Slide 38: Shareholder returns
ᰴ㑏ඖ㻌 ᰴ㑏ඖ 㡯㻌 ┠㻌 㻞㻝ᖺ㻟᭶ᮇ㻌 㻞㻞ᖺ㻟᭶ᮇ㻌 㻞㻟ᖺ㻟᭶ᮇ㻌 㻞㻠ᖺ㻟᭶ᮇ㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 㻟㻜ᖺ㻟᭶ᮇ 䠄ண䠅㻌 ༢యᙜᮇ⣧┈䠄൨䠅㻌 䕧㻝㻢㻢㻌 㻟㻥㻌 㻟㻤㻌 㻣㻟㻌 㻠㻤㻌 㻝㻜㻝㻌 㻝㻞㻡㻌 㻝㻠㻣㻌 㻝㻟㻥㻌 㻝㻜㻜㻌 㐃⤖ᙜᮇ⣧┈䠄൨䠅㻌 䕧㻝㻢㻞㻌 㻠㻟㻌 㻠㻢㻌 㻤㻞㻌 㻡㻡㻌 㻝㻝㻜㻌 㻝㻟㻢㻌 㻝㻡㻡㻌 㻝㻠㻤㻌 㻝㻝㻜㻌 㓄ᙜ㔠⥲㢠䠄൨䠅㻌 㻝㻡㻌 㻝㻡㻌 㻝㻡㻌 㻝㻡㻌 㻝㻡㻌 㻝㻤㻌 㻝㻡㻌 㻞㻜㻌 㻞㻜㻌 㻝㻤㻌 ᵏᴾ 㻝ᰴ䛒䛯䜚ᖺ㛫㓄ᙜ㔠䠄䠅㻌 㻢㻌 㻢㻌 㻢㻌
Slide 39: Appendix
䊤㻚㈨ᩱ⦅㻌 ‒ ñ૰ዻ‒ ‒
Slide 40: Average deposit balance by segment
⥲㡸㔠ṧ㧗䠄ᮇ୰ᖹṧ㻌 䝉䜾䝯䞁䝖ู䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 㡸㔠㻌 㻠㻜㻘㻜㻥㻞㻌 㻠㻝㻘㻝㻢㻞㻌 㻠㻝㻘㻣㻣㻝㻌 㻠㻞㻘㻣㻢㻢㻌 㻠㻟㻘㻢㻣㻢㻌 㻌 䛖䛱ಶே㡸㔠㻌 㻟㻝㻘㻝㻤㻢㻌 㻟㻝㻘㻤㻜㻥㻌 㻟㻞㻘㻞㻞㻟㻌 㻟㻞㻘㻣㻠㻢㻌 㻟㻟㻘㻝㻜㻝㻌 㻌 䛖䛱ἲே㡸㔠㻌 㻣㻘㻢㻢㻡㻌 㻤㻘㻜㻡㻠㻌 㻤㻘㻝㻢㻢㻌 㻤㻘㻡㻤㻤㻌 㻥㻘㻝㻜㻠㻌 㻌 䛖䛱䛭䛾㡸㔠㻌 㻝㻘㻞㻠㻜㻌 㻝㻘㻞㻥㻥㻌 㻝㻘㻟㻤㻝㻌 㻝㻘㻠㻟㻜㻌 㻝㻘㻠㻣㻜㻌 ㆡΏᛶ㡸㔠㻌 㻝㻘㻜㻡㻞㻌 㻝㻘㻜㻢㻢㻌 㻝㻘㻜㻝㻟㻌 㻝㻘㻜㻟㻟㻌 㻥㻥㻠㻌
Slide 41: Average loan balance by segment
⥲㈚ฟ㔠ṧ㧗䠄ᮇ୰ᖹṧ㻌䝉䜾䝯䞁䝖ู䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ᴗᛶ㈚ฟ㻌 㻝㻢㻘㻤㻞㻞㻌 㻝㻣㻘㻝㻤㻠㻌 㻝㻣㻘㻠㻥㻞㻌 㻝㻤㻘㻠㻢㻤㻌 㻝㻥㻘㻥㻜㻟㻌 ᾘ㈝⪅ྥ䛡㈚ฟ㻌 㻤㻘㻣㻝㻠㻌 㻤㻘㻤㻤㻞㻌 㻤㻘㻥㻤㻢㻌 㻥㻘㻜㻤㻞㻌 㻥㻘㻞㻣㻢㻌 ᆅබయ䛭䛾㻌 㻝㻘㻥㻤㻤㻌 㻞㻘㻠㻝㻡㻌 㻟㻘㻜㻞㻝㻌 㻟㻘㻢㻥㻝㻌 㻠㻘㻝㻟㻢㻌 ྜ㻌 ィ㻌 㻞㻣㻘㻡㻞㻡㻌 㻞㻤㻘㻠㻤㻞㻌 㻞㻥㻘㻡㻜㻜㻌 㻟㻝㻘㻞㻠㻞㻌 㻟㻟㻘㻟㻝㻢㻌 ẔҥˮᾉΕόẕᴾ ʙಅࣱЈ ෞᝲᎍӼẬЈ עπ˳Ẹỉ˂ 35,000 30,00
Slide 42: Sales of deposit assets
㡸䜚㈨⏘㈍㢠㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ᢞ㈨ಙク㻌 㻠㻝㻤㻌 㻠㻥㻠㻌 㻡㻢㻞㻌 㻡㻡㻤㻌 㻟㻥㻡㻌 ᖺ㔠ಖ㝤䞉⏕ಖ㝤䞉ᦆᐖಖ㝤㻌 㻟㻡㻜㻌 㻟㻢㻥㻌 㻠㻠㻣㻌 㻟㻢㻢㻌 㻝㻥㻠㻌 ẔҥˮᾉΕόẕᴾ ৲̮ᚠ ࠰̬ᨖὉဃԡ̬ᨖὉܹ̬ᨖ 700 600 562 558 494 500 447 418 395 400 350 369 366 300 194 200 100 0 25࠰3உ 26࠰3உ 27࠰3உ 28࠰3உ 29࠰3உ 41
Slide 43: Fees from sales of deposit assets
㡸䜚㈨⏘㈍ᡭᩘᩱ㻌 Ẕҥˮᾉႊɢόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ᢞ㈨ಙク㻌 㻝㻘㻟㻤㻢㻌 㻝㻘㻠㻥㻢㻌 㻝㻘㻣㻞㻠㻌 㻝㻘㻣㻜㻥㻌 㻝㻘㻟㻢㻟㻌 ᖺ㔠ಖ㝤䞉⏕ಖ㝤䞉ᦆᐖಖ㝤㻌 㻝㻘㻜㻥㻤㻌 㻥㻠㻝㻌 㻝㻘㻠㻢㻞㻌 㻝㻘㻠㻢㻣㻌 㻝㻘㻝㻤㻣㻌 㔠⼥ၟရ௰㻌 㻝㻠㻢㻌 㻝㻣㻜㻌 㻤㻡㻌 㻝㻝㻥㻌 㻣㻠㻌 ྜ㻌 ィ㻌 㻞㻘㻢㻟㻝㻌 㻞㻘㻢㻜㻤㻌 㻟㻘㻞㻣㻞㻌 㻟㻘㻞㻥㻢㻌 㻞㻘㻢㻞㻠㻌 Ẕҥˮᾉႊɢόẕᴾ ৲̮ᚠ ࠰̬ᨖὉဃԡ̬ᨖὉܹ̬ᨖ ᗡՠԼːʼ 3,500 85 119 3,000 2,500 146 170 7
Slide 44: Securities portfolio
᭷౯ドๆ㐠⏝㻌 ṧ㧗䝫䞊䝖䝣䜷䝸䜸䠄ᮎṧ䠅㻌 ẔҥˮᾉΕόẕᴾ 㡯㻌 ┠㻌 㻞㻡ᖺ㻟᭶ᮇ㻌 㻞㻢ᖺ㻟᭶ᮇ㻌 㻞㻣ᖺ㻟᭶ᮇ㻌 㻞㻤ᖺ㻟᭶ᮇ㻌 㻞㻥ᖺ㻟᭶ᮇ㻌 ๓ᖺẚ㻌 ᅜമ㻌 㻠㻘㻥㻟㻠㻌 㻠㻘㻢㻝㻝㻌 㻠㻘㻣㻣㻣㻌 㻠㻘㻝㻤㻞㻌 㻠㻘㻜㻞㻞㻌 䕧㻝㻢㻜㻌 ᆅ᪉മ㻌 㻟㻘㻟㻥㻟㻌 㻞㻘㻥㻥㻜㻌 㻞㻘㻤㻞㻡㻌 㻞㻘㻡㻡㻠㻌 㻞㻘㻟㻥㻟㻌 䕧㻝㻢㻝㻌 ♫മ㻌 㻠㻘㻢㻠㻜㻌 㻠㻘㻞㻡㻠㻌 㻠㻘㻝㻣㻤㻌 㻟㻘㻥㻝㻡㻌 㻟㻘㻣㻟㻟㻌 䕧㻝㻤㻞㻌 ᨻᗓಖドമ㻌 㻝㻘㻤㻟㻥㻌 㻝㻘㻟㻥㻜㻌 㻝㻘㻠㻜㻜㻌 㻝㻘㻞㻢㻠㻌 㻥㻤㻞㻌 䕧㻞㻤㻞㻌 ୍⯡බ♫മ㻌 㻝㻘㻣㻡㻠㻌 㻝㻘㻢㻤㻥㻌 㻝㻘㻡㻜㻤㻌 㻝㻘㻟㻠㻡㻌
Slide 45: Capital ratio status (consolidated)
⮬ᕫ㈨ᮏẚ⋡䛾≧ἣ䛆㐃⤖䛇㻌 Ẕ᫇ҥˮᾉΕόẕᴾ ᴾ Ⴘᴾ ᵐᵔ࠰ᵑஉᴾ ᵐᵕ࠰ᵑஉᴾ ᵐᵖ࠰ᵑஉᴾ ᵐᵗ࠰ᵑஉᴾ Э࠰ൔᴾ ⥲⮬ᕫ㈨ᮏẚ⋡䠄䠂䠅㻌 㻝㻠㻚㻤㻜㻌 㻝㻡㻚㻥㻠㻌 㻝㻢㻚㻠㻡㻌 㻝㻢㻚㻢㻣㻌 㻜㻚㻞㻞㻌 䠰䡅䡁䡎㻝ẚ⋡䠄䠂䠅㻌 㻝㻜㻚㻡㻜㻌 㻝㻝㻚㻤㻞㻌 㻝㻟㻚㻟㻠㻌 㻝㻠㻚㻠㻥㻌 㻝㻚㻝㻡㻌 ᬑ㏻ᰴᘧ➼䠰䡅䡁䡎㻝ẚ⋡䠄䠂䠅㻌 㻝㻜㻚㻡㻜㻌 㻝㻝㻚㻤㻞㻌 㻝㻟㻚㻞㻤㻌 㻝㻠㻚㻠㻢㻌 㻝㻚㻝㻤㻌 ⥲⮬ᕫ㈨ᮏ䛾㢠㻌 㻟㻘㻜㻡㻤㻌 㻟㻘㻠㻥㻝㻌 㻟㻘㻡㻥㻤㻌 㻟㻘㻤㻤㻤㻌 㻞㻥㻜㻌 䠰䡅䡁䡎㻝㈨ᮏ䛾㢠㻌 㻞㻘㻝㻣㻜㻌 㻞㻘㻡㻤㻥㻌 㻞㻘㻥㻝㻣㻌 㻟㻘㻟㻤㻜㻌 㻠㻢㻞㻌 ᬑ㏻
Slide 46: Contact for this material
ᮏ㈨ᩱ䛻㛵䛩䜛䛤↷ඛ㻌 ஜ૰ỆỊẆݩஹỉಅጚỆ᧙ỪỦᚡᡓầԃộủềẟộẴẇᴾ ẮạẲẺᚡᡓỊẆݩஹỉಅጚử̬ᚰẴỦờỉỂỊễẪẆᴾ ἼἋἁởɧᄩࣱܱửϋѼẴỦờỉỂẴẇᴾ ݩஹỉಅጚỊẆኺփؾỉ҄٭ễỄỆợụẆᴾ ႸݣൔီễỦӧᏡࣱầẝỦẮểỆắသॖẪẻẰẟẇᴾ ᾋஜ૰Ệ᧙ẴỦắༀ˟έᾍᴾ ᴾ 㻌 ๔ᘍᴾ ዮӳ˖ဒᢿᴾ ኺփ˖ဒἂἽὊἩᴾ ᴾ ᩓᴾᴾᛅᴾ ᴾᾆᾆὼᾄᾁᾀὼᾁᾁᴾ ᴾ ᴾᾕᾐᾧᴾᴾᴾᴾᾆᾆὼᾄᾁᾀὼᾁᾇᾈᴾ ᴾ ᴾἭὊἲἬὊἊᴾ ᴾ ᶆᶒᶒᶎᵘᵍᵍᶕᶕᶕᵌᶑᶆᶇᶅᵿᶅᶇᶌᵌᶁᶍᶋᵍᴾ ᴾ 45