Nishi-nippon Financial Holdings, Inc. · TSE:7189
Nishi-nippon Financial — FY2019 Earnings Presentation
61 slides from Nishi-nippon Financial's earnings presentation, May 28, 2020
Slide 1: wat FARAFH
W wat FARAFH 2020F3 ABA ABatHAS 20204454288 Must BBR D4 FDU IDM-F4AYIA
Slide 2: Contents
ম峘崿嵔崤嵛崮嵤崟嵏嵛 ᅚ ⋛岜ౚ ؝ڭ岜৴இ ؝ڮ岜1&%৬இ ⋇இ崝嵆嵒嵤 ⋈崛崊ਜ႗ਹஇ ⋉লসਹඅ ⋊সಉਹඅ ⋋થଊਹඅଦਊস ⋌శসਹઽஇ ⋍৽ા ⋎ਦ৷崛崡崰 ؝گ岜৴ঽഞৱমૻ૨ ؝ڰ岜ઙ൬੪ ⋜岜র৽ੑ岜ఄᵷ岜گڮڬڮ岜عୠ峘੪ਞ峼ୗ峃峵ع র৽ੑ峘崽嵔嵤嵈嵗嵤崗 ਊ崘嵓嵤崿峘岽島峨峑峘న峩 ਊ崘嵓嵤崿峼峴ඕ岹৽୭ ع র৽ੑ峑৯峃 র৽ੑ峘৸৬൸ র৽ੑ峘੦মਅറ峒ਡੁ 岧੦মਅറ؟ڭୠ峘ன峼嵒嵤崱峃峵崘嵓嵤崿়ৡ峘ม岨 ع 岧੦মਅറ؟ڮ
Slide 3: Section 1: Overview
⋛Ńౚ ⋛ ౚ ŕœŕœফŖা ৠହভ ųőŕ
Slide 4: Overview of results
؝ڭ৴இ ফা峘ভઙ峕షര峃峵ਊෞਹஇقਰৣ岣ਊෞਹஇ岤ك峙岝ৱসਹஇ峮ઙૄಉঢ় બஇ峘岝ਦ৷崛崡崰峘ੜਸಉ峕峲峴岝ૻٺ峘岞 ফা峘ਊෞਹஇ峙岝ৗ崛嵕崲崎崌嵓崡峘ഉఁপ峘୶ಉ峼౷峨岲岝ૻٺ峘 峼୳岞 ٹ৴இ া ৰౚ ৰౚ ୳ ୳ ૻ ୳ૻ ૻ 岩ି岪 قਜ਼؟ك $ $% $& % & ' '$ ਜ႗ਹஇ ٺ ٺ 崛崊ਜ႗ਹஇ ٺ ٺ ٺ ৱসਹஇ ٺ ٺ ٺ ૽ਜਬಉਹஇ ٺ ٺ ્ਬਹஇ ٺ 峇峘ਜ
Slide 5: Overview of results (bank)
؝ڮűŦť৬இ ⋇இ崝嵆嵒嵤 ফা峘ਊෞਹஇ峙岝ৱসਹஇ峮ઙૄಉঢ়બஇ峘岝ਦ৷崛崡崰峘ੜਸಉ峕峲峴岝ૻ ٺ峘岞 ফা峘ਊෞਹஇ峙岝ૻٺ峘峼୳岞 ٹ1&%৬இ া ৰౚ ৰౚ ୳ ୳ ૻ ୳ૻ ૻ 岩ି岪 قਜ਼؟ك $ $% $& % & ' '$ ਜ႗ਹஇ ٺ ٺ 崛崊ਜ႗ਹஇ ٺ ٺ ٺ ৱসਹஇ ٺ ٺ ٺ ૽ਜਬಉਹஇ ٺ ٺ ્ਬਹஇ ٺ ٺ 峇峘ਜਹஇ ٺ ٺ ٺ ٺ 岜ق岰峋বઝಉઝଊ
Slide 6: Core net business income
؝ڮűŦť৬இ ⋈崛崊ਜ႗ਹஇ ফা峘崛崊ਜ႗ਹஇ峙岝লসਹඅ岝થଊਹඅଦਊস峝峇峘ৱসਹஇ峘 قਗో৹ਹඅ峘ੜਸك峼峕岝ૻٺ峘岞 ফা峘崛崊ਜ႗ਹஇ峙岝ૻٺ峘峼୳ẇ ٹ崛崊ਜ႗ਹஇ峘ੜقਏશك ڀੜਸ قਜ਼؟ك ځ 岜ܒ岜 岜ܒ岜୳ 崛崊ਜ 崛崊ਜ 岜 岜 ႗ਹஇ ႗ਹஇ লসਹඅ峘ੜ岧ଋਏ岨 ٔ ٔ সਹඅઽ੍ٺ ৱ সਹඅઽ੍ٺ স লসਹඅ峘ੜ岧ਹ峴ਏ岨 ٺ ٺ ਹ இ সಉਹඅ峘ੜكٺ
Slide 7: Net interest income
؝ڮűŦť৬இ ⋉লসਹඅ ফা峘লসਹඅ峙岝লসਹ峴峘ৣ峼峕岝ૻٺ峘岞 ফা峘লসਹඅ峙岝ૻٺ峘峼୳岞 ٹলস峘ଋ嵣ਹඅ嵣ਹ峴 ٹলসਹඅ峘ੜقਏશك ଋ ਹඅ قਜ਼؟ك岜 قਜ਼؟ك岜 岧ٔ岨 岧ٔ岨 岧ٔ岨 ଋਏ岜岜岜$ 岧ٔ岨 ਹ峴 ਹ峴ਏ岜岜% 岧ٔ岨 ૻੜ岜$% ٔ ٔ ٔ ٔ ٔ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ୳ ୳ ୳
Slide 8: Fees and commissions income
؝ڮűŦť৬இ ⋊সಉਹඅ ফা峘সಉਹඅ峙岝ਙস峘ଋৈੜਸ峕峲峵ਹ峴ৣ峼峕岝ૻٺ峘 岞 ফা峘সಉਹඅ峙岝ૻٺ峘峼୳岞 ٹস嵣1&'峘ଋ嵣ਹඅ嵣ਹ峴 ٹসಉਹඅ峘ੜقਏશك قਜ਼؟ك岜 قਜ਼؟ك岜 ଋ 岧岜岨峙ૻੜ૨ ਹඅ ଋਏ岜岜岜$ ਹ峴 ਹ峴ਏ岜岜% 岧ٔ岨 岧ٔ岨 岧ٔ岨 ૻੜ岜$% 岧ٔ岨 岧ٔ岨 ٔ ٔ ٔ ٔ ٔ ٺ ٺ ٺ ٺ ٺ ٺ 岰峋 ٺ ਙস ٺ ٺ ٺ
Slide 9: Expenses
؝ڮűŦť৬இ ⋋થଊਹඅଦਊস ফা峘થଊਹඅଦਊস峙岝ਦੰ৺இ峘峼峕岝ૻٺ峘岞 ফা峘થଊਹඅଦਊস峙岝ૻٺ峘峼୳岞 岟અ⋇岠ઝଊ峘崯嵍嵔嵤崟嵏嵛 ૦ قਜ਼؟ফك岜 ਗో૦ ٹથଊ峘ଋ嵣ਹඅଦਊস嵣ਹ峴 قਜ਼؟ك岜 ଋ 岧岜岨峙ૻੜ૨ ਦੰ৺இ 岧ૻੜ૨岨 崗嵤嵅嵛嵣ଦਊস ਹ峴 岧ٺ岨 ଜ ଜ ଜ ଜ ଜ 岧ٺ岨 岧ٺ岨 岧ٺ岨 岧ٺ岨 岟અ⋈岠峇峘થଊ岩ି岪 峘௬كٺقஇ قਜ਼؟ك岜 ٔ ٔ ٔ ٔ
Slide 10: Securities-related income
؝ڮűŦť৬இ ⋌శসਹઽஇ ফা峘శসਹઽஇ峙岝崛嵛崻崳$70ুਯમ峘峮੮ਦ৳૫મ峘ੜਸ峼峕岝ૻٺ 峘岞 ফা峘శসਹઽஇ峙岝ૻٺ峘峼୳岞 ٹశসਹઽஇ ૽ٹਜਬಉઽஇા৷كٺق峘 قਜ਼؟ك岜 قਜ਼؟ك岜 峇峘峘శসਹઽஇ岩ି岪 ૽ਜਬಉਹஇ ઽஇ 峇峘 ઠౠஷ౹ ۂۉڶ বನ౹ ১যঢ়৴ 峴ৱਓঢ়৴岩ି岪 嵕嵤嵛৳મ ੮ਦ৳૫મ ৽ଵ৶મ ા৷كٺق 峇峘 ண ୳ 岩ି岪્ਬಉਹஇ 岩ି岪ਦਦ岝৳૫岝সଊ
Slide 11: Credit costs
؝ڮűŦť৬இ ⋍৽ા ফা峘৽ા峙岝੯ા峒য੯ા峘峕峲峴岝ૻٺ峘岞 ফা峘৽ા峙岝ૻٺ峘峼୳岞 ৽ٹા ٹ੯ા峘 قਜ਼؟ك岜 قਜ਼؟ك岜 ઘস ੯ા য੯ા ๘ಉਝقేાك ๘ಉਝق൛મ嵣ሂાಉك 崟崡崮嵈ঢ়৴قేાك 崟崡崮嵈ঢ়৴ق৫ા嵣ાಉك 峇峘峘੯ા ୳ ୳ ⋛ ౚ ŕœŕœফŖা ৠହভ ųőŔœ
Slide 12: Securities
؝ڮűŦť৬இ ⋎ਦ৷崛崡崰 ফা峘ਦ৷崛崡崰峙岝ৗ崛嵕崲崎崌嵓崡峘ഉఁপ峼౷峨岲ਬਊস峼峩ੜ峁峉岽峒ಉ峕峲峴岝 ૻٔ峘岞 ফা峘ਦ৷崛崡崰峙岝ૻٔ峘峼୳岞 ٹਦ৷崛崡崰 قਜ਼؟ك岜 ಹਬਊসোપ$ ਂଐઝਥ૪৶ଷપ岜% ਦ৷崛崡崰岜岜岜岜岜岜$% 岟અ⋈岠সગে১৫ંઝਥ ਏଵ৶ઝਥ قਜ਼؟ك岜 ૫ઝਥ ਓಌেઝਥಉ ৫ંઝਥૻ૨ ٺ ٺ ٺ ୳ ٛઅ⋇ٜਦ৷崛崡崰ق৴ك قਜ਼؟ك岜 ಹਬਊসোપ$ ਂଐઝਥ૪৶ଷ
Slide 13: Balance sheet
؝گ৴ঽഞৱমૻ૨ ফাଜ峘ঽഞৱমૻ૨峙岝ૻ峘٫岞 ٹ৴ঽഞৱমૻ૨ ଜ ଜૻ ଜ قਜ਼؟ك 崛崊ৱম峕બ峵੦ຊඨ৯ $ ৢઙૄ峕બ峵ઙৱম 峇峘峘ෆฐਹஇྸੑપ ٺ ٺ ٺ ৹ତశ੍ଦઙী ਬਊস峘়ੑપ ిત೮ৱম৹ু峘岰峋৽ૌೈ઼峕峲峵োપ ଅગ௬୷પ峘岰峋৽ૌೈ઼峕峲峵োપ ٺ శ੍ଦઙী峘岰峋৽ૌೈ઼峕峲峵োપ ٺ 崛崊ৱম峕બ峵৹ତඨ৯ % ٺ ٺ ق岰峋岜ిતਬਊসਂଌપك ٺ ق岰峋岜ஔહ峕બ峵ৱਓك ٺ ঽഞৱম & $% 嵒崡崗嵣崊崣崫崰ಉ ' ਦ
Slide 14: Capital adequacy
؝ڰઙ൬੪ ফা峘ਹஇ൬੪પ峙岝൬੪ਙ峙٫岞 ٹਹஇ൬੪પ峒൬੪ਙ قਜ਼؟ك岜 ঽഞઙૄ੭ ਧম)+峘ઙ൬੪্ଉ ଦਊق1&% ଦਊقਧম)+ ൬੪ਙ岜岩ି岪 ষઙভ峘ਁુਙ峒৽峘৸ਙ峘௴ਡ岵 峳岝ిਫ峔৳峘ౄৰ峕峲峵ଃਜ৬ସ峘ਘ৲峒ઙ 峘岿峨峢峘峔ଦਊ峘ಲਢৰ峼੦ম্ଉ峒峃峵岞 ৬峕峙岝 ⋇ઙ峕峎岷ফ峘ଦਊ峼嵁嵤崡峕岝 岩ି岪 ⋈ভઙ峕షര峃峵ਊෞਹஇ峕ৌ峃峵 ൬੪ਙ٫ங২ 峼ਊએ峘৯峒峁岝峇峘ৎر峘৽ੋੲિ峮ଃਜ૾ய岝 ౚৄৢ峁ಉ峬ྠ੧峁峎峎岝峘൬੪ઍ峼ৠ峃
Slide 15: Section 2: Medium-term business plan
⋜Ńর৽ੑ ఄᵷ ع گڮڬڮୠ峘੪ਞ峼ୗ峃峵ع Ḫ ɶኺփᚘဒ ŕœŕœফŖা ৠହভ ųőŔŗ
Slide 16: Medium-Term Business Plan
Coabe Medium-Term Business Plan IRF 2023 ~ WROD TRVE BETS ~ ©) smexsteio2-—29-9 SY BBRIIFY YP -WF1YIA HHA Set (202044A ~20234F3A) I PRR Sate 202043AKA REHPAS = P.15
Slide 17: ਊ崘嵓嵤崿峘岽島峨峑峘న峩 ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŔř
ਊ崘嵓嵤崿峘岽島峨峑峘న峩 ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŔř
Slide 18: ਊ崘嵓嵤崿峼峴ඕ岹৽୭ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŔŚ
ਊ崘嵓嵤崿峼峴ඕ岹৽୭ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŔŚ
Slide 19: ਊ崘嵓嵤崿峼峴ඕ岹৽୭ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŔś
ਊ崘嵓嵤崿峼峴ඕ岹৽୭ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŔś
Slide 20: র৽ੑ峑৯峃 ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŔŜ
র৽ੑ峑৯峃 ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŔŜ
Slide 21: র৽ੑ峘৸৬൸ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕœ
র৽ੑ峘৸৬൸ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕœ
Slide 22: Medium-Term Business Plan
Cabo. Medium-Term Business Plan IRA 2023 ~ WROTE Re HTS ~ [) tnesttiomswnc mam SZ BARIAF YY PIM -IVP AYIA HHA (202044A~20234F3A) UF ORR CHIC DAREN TUBB, AAS TMIONEE I PRR Sate 20202 3AKA RESSHPAS = P.21
Slide 23: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŕ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŕ
Slide 24: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŖ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŖ
Slide 25: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŗ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŗ
Slide 26: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŘ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŘ
Slide 27: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕř
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕř
Slide 28: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŚ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŚ
Slide 29: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕś
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕś
Slide 30: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŜ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŕŜ
Slide 31: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖœ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖœ
Slide 32: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŔ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŔ
Slide 33: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŕ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŕ
Slide 34: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŖ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŖ
Slide 35: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŗ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŗ
Slide 36: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŘ
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖŘ
Slide 37: র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖř
র৽ੑ峘੦মਅറ峒ਡੁ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖř
Slide 38: Medium-Term Business Plan
+S Medium-Term Business Plan ARF 2023 ~ HKD ERE AMET S ~ [) setae SZ BAADIAFIIVIIM-WFIIIA HRS (2020445 ~20234F3A) I PRR Sate 20202 3AKA SRESEHPAS — P.37
Slide 39: Earnings forecast
৯峃৽ఏ岝ઙ൬੪্ଉ ⋜ র৽ੑ ŕœŕœফŖা ৠହভ ųőŖś
Slide 40: 0(02
0(02
Slide 41: Section 3: Sustainability initiatives
⋝Ńৗ崛嵕崲崎崌嵓崡ഉඪ峢峘 ৌૢ峕峎岮峐 ⋝ ৗ崛嵕崲崎崌嵓崡ഉඪ峢峘ৌૢ峕峎岮峐 ŕœŕœফŖা ৠହভ ųőŗœ
Slide 42: Initiatives toward sustainability
؝ڭ岴岿峨峘ৱস峴峢峘ৌૢ ৗ崛嵕崲崎崌嵓崡ഉඪ峘୶峼ਭ岻峳島峉岴岿峨峘૾ய峼ન峕པ峁岝ৱস峴峼ச峮岵峕੍ର岞 ੍ର৬ ਧম崟崮崋ষ峕岴岻峵ৱস峴੍ର峘ৰ૾ய হৱস峕ঢ়峃峵ৼษઠ হਙৱਬقਐதك峘৸峕ৌ峁峐岝ৗ崛嵕崲崎崌嵓崡ഉඪ峘୶峘 হ峘ৱস峴ಉ峕ঢ়峃峵岾ৼ峕ৌૢ岞 થ૮峼નੳ岞 ৼ ق嵣೬عਗ਼ਵ嵣ษઠك ص岣嵆崌崲崡୶岬峴岤峒௦岿島峉岴岿峨峙৺ਐكق岞 ษ 嵕嵤嵛峕ঢ়峃峵ৼษઠ ৺峘ৱৼ峼ਭ岻હ岻岝৺੯峘ৱ ઠ ક୧嵕嵤嵛峮ાেણৱস峘ো島ಉ峕ঢ়峃峵岾ৼ 峼ৰ
Slide 43: Initiatives using SNS
؝ڮ岴岿峨峢峘ர੍ର 616峮崊崿嵒峼ৢ峂峉ੲਾਦ岝ਗ੫峒峘৴峕峲峵ர崝嵤崻崡峘ງஂಉ峼ৢ峂峐岝ৗ崛嵕崲崎崌嵓崡 ഉඪ峘୶峼ਭ岻峳島峉岴岿峨峼੍ର岞 616峮崊崿嵒峼ৢ峂峉ੲਾਦ ਧম崟崮崋ষਁૄ616峼ણ৷峁峉੍ର ධ୫੍ର崿嵕崠崏崗崰岣岿岷峫峁岤峒峘ੈ েણૢର崝嵤崻崡峘ੲਾ ষ峘ਁૄ616ق7ZLWWHU岝)DFHERRNك 岣ਧম崟崮崋ষ崊崿嵒岤峼ৢ峂峐岣岿岷峫峁پ岤 岣ਧম崟崮崋ষ崊崿嵒岤峼ৢ峂峐岝岴岿峨 峼ৢ峂峐岝崮崌崗崊崎崰峮崯嵒崸嵒嵤峼৫峁峉ධ୫ 峘ੲਾ峼岞 峘崡崮崌嵃嵤嵈峼੍ର岞 岝ಛ峼崵崫崰ਲ਼峁
Slide 44: Initiatives for sustainability
؝گഉఁপଆૃ峢峘ੌ峩 岴岿峨峝৩峘೨峒য୵৳૧峼ਈર峕岝崝嵤崻崡峘嵣ಲਢ峕ਈপ峫峵岽峒峼੦ম্ଉ峕ൕ 岼岝ഉఁপଆૃ峕岻峉ر峔ੌ峩峼ৰ岞 峘ੌ峩 ম峘ੌ峩 ఄᓺഉଆૃ৷லજ峴ഝ峘ਝ઼ 崮嵔嵗嵤崗嵣崝崮嵑崌崰崒崽崋崡ಉ峘ো ୍峕岴岻峵ഉଆૃੁ峘୭峒峁峐岝岣ఄᓺഉଆૃ৷லજ峴 ৎ୷লඐ峮崮嵔嵗嵤崗峼૭ચ峔峴ৰ岞 ഝ岤峼৸ق৸崓崎嵛崧嵤ك峕ਝ઼岞 ম峘ਜ峕峎岮峐峬岝૬岷ો峮ଢ଼ఊਝ峼ણ৷峁ഡ峼ଆૃ岞 ഉఁপଆૃ峕岻峉ඐਜ৬峘ো ৩峘লඐ峼ਈ৵峕峒峓峫峵峉峫 岣崟崽崰ඐਜ৬岤峒岣ೠ৵ඐਜ৬ 岤峼఼
Slide 45: Section 4: SDGs
⋞ŃŨŶŪŒŶŧŪƖ峢峘ੌ峩 ⋞ ŨŶŪŒŶŧŪƖ峢峘ੌ峩 ŕœŕœফŖা ৠହভ ųőŗŗ
Slide 46: Initiatives for SDGs (Social)
ŨŶŪŒŶŧŪƖ峢峘ੌ峩 ੫க峘峒ਢ૭ચ峔ভ峘ৰਠ峘য়峼৯峁岝ୠসਃঢ়峔峳峑峙峘 (6*6'*V峘ੌ峩峼ਤ岞 峔ੌ峩হ 6RFLDOقভك 6'*V ਬਭৰౚྸੑق৸৬ك 岣6'*Vஎ൳ઝ岤 岴ਬ੫峘6'*V峢峘ੌ峩峕ৱ峃峵岽峒峼৯峒峃峵ઝ岞 ੯ قফাଜਠك 6'*V ੳ মஎ൳ઝ峘ষ੫峕ৌ峁岝ਸ਼ਕਃঢ়峕峲峵৹ਪ峼౷峨岲岝ਧম崟崮崋ষ岶岣6'*Vੳ岤峼ষ岞 岣&65எ൳ઝ岤 ব嵣ঽ৬ಉ岵峳&65ણپ峕ঢ়峁峐ੳಉ峼ਭ岻峉੫峼ৌ峒峃峵ઝ岞 岩ফাਸ਼ಀ੧੯ਬਭ岪 岧ਬਭৰౚྸੑ ੯
Slide 47: Initiatives for SDGs (Social)
ŨŶŪŒŶŧŪƖ峢峘ੌ峩 6RFLDOقভك 6'*V ர峔ધ৲ણ ഼ؼ岣1&%ఠ௫ມعຈಜ峒ᄇ፹ع岤岝岣ম峘ઋ峒岮ဈ峷岰عୠ峕உહ岹ઋ௫峒ઋع岤岝 岣ૣળ嵓崵崫崝嵛崡 1&%崿嵕嵈崲嵤崱崛嵛崝嵤崰岤岝岣崊崠崊崽崑嵤崓崡ૣળবມ岤ੈقඑكಉ ୠ ધ৲嵣ୠ੍ରؼ岣峕ਘ岹峔峷岰 ਨృପ峕ਘ岹峔峷岰 峘ୁ岤ق嵣ৣඕك峘岝 岣ృପ岤峘岝岣৽ೖ岤岣崊崠崊൴ೖ岤岣崊崠崊.LGVপೖ岤峘౸ଖ岝 ൴ 崯崋崢崳嵤嵇嵍嵤崠崓嵓岣嵑崌崒嵛崕嵛崘岤峢র৾েਐয岾ഃୄુقಈ؟แ੮ఛكಉ 岣1&%
Slide 48: Initiatives for SDGs (Environment)
ŨŶŪŒŶŧŪƖ峢峘ੌ峩 (QYLURQPHQWق୭ك 6'*V ୠ峘୭৲ણ峢峘ா峔ੌ峩 ૣળ岶ன৫峃峵岣য୨岤ઈپ峕岞 കఢఈ峘嵄嵑嵛崮崋崊ણ岣ୠ峘崗嵒嵤嵛崯嵤岤峕岞 ୭ پড়嵣ষ嵣য峜峒峴岶୨峒峼峐岝ਁୱ峮న岝ভ岝ঽ୧峔峓ૣળ峘岬峳峰峵 ৃਚ峼୨峒峑岮峍峛岮峕峃峵ੌ峩ૣقળ+3峲峴ك岞 ୭峕ଦൟ峁峉๘嵣$70 ৲ ୬഻ਗ਼嵣ංਹ৷嵣/('ස嵣崐崵૬৹ಉ峘崐崛ਝ峼岲峉 ؞ 岣୭ଦൟ๘岤峕૦౹岲قফাଜਠ๘ ك岞 ୭ $70峘ਬ岷ઈૡ峕峲峵තਗ਼峼ৰق
Slide 49: Appendix: Supplementary data
ౚ峕ঢ়峃峵ଓଌৱમ ౚ峕ঢ়峃峵ଓଌৱમ ŕœŕœফŖা ৠହভ ųőŗś
Slide 50: Financial results (full year)
ہۅ؝ڭ岧৴岨 ⋇ ٕ 峒峘ૻຎ ٕ ৰౚ ૻ ৰౚ قك 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% ৽ଞઽஇ ٺ ٺ ਜ႗ਹஇ ٺ ٺ 岧崛崊ਜ႗ਹஇ岨 >@ >@ >@ >@ٺ >@ٺ >@ >@ >@ >@ ৱসਹஇ ٺ ٺ ٺ قলসਹඅك ٺ ٺ ٺ قથଊਹඅଦਊসك ٺ ٺ قসಉਹඅك ٺ ٺ ٺ ٺ ٺ ૽ਜਬಉਹஇ ٺ ٺ ્ਬਹஇ ٺ
Slide 51: Financial results (half year)
ہۅ؝ڭ岧৴岨 ⋈ ٕ ୳峒峘ૻຎ ٕ ৰౚ ୳ૻ 岜岜୳岩ି岪 قك 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% ৽ଞઽஇ ٺ ٺ ٺ ਜ႗ਹஇ ٺ 岧崛崊ਜ႗ਹஇ岨 >@ >@ >@ >@ٺ >@ٺ >@ٺ >@ >@ >@ ৱসਹஇ ٺ ٺ قলসਹඅك ٺ ٺ قથଊਹඅଦਊসك ٺ ٺ قসಉਹඅك ٺ ٺ ٺ ٺ ٺ ૽ਜਬಉਹஇ ٺ ٺ ્ਬ
Slide 52: Financial results (quarterly)
ہۅ؝ڭ岧৴岨 ⋉ ୳ ٕ 峒峘ૻຎ ٕ ୳ ૻ ৰౚ قك 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% 11)+৴ 1&%৬ ৴1&% ৽ଞઽஇ ٺ ٺ ٺ ਜ႗ਹஇ ٺ ٺ 岧崛崊ਜ႗ਹஇ岨 >@ >@ >@ >@ٺ >@ٺ >@ >@ >@ >@ ৱসਹஇ ٺ ٺ قলসਹඅك ٺ ٺ ٺ قથଊਹඅଦਊসك ٺ ٺ قসಉਹඅك ٺ ٺ ٺ ٺ ٺ ૽ਜਬಉਹஇ ٺ ્ਬਹஇ 峇峘ਜ
Slide 53: Financial results (bank)
ہۅ؝ڭ岧1&%৬岨 岩ି岪 قك ৰౚ ૻ ୳ૻ ৰౚ ୳ ୳ ૻ ৽ଞઽஇ ٺ ٺ ٺ ਜ႗ਹஇ ٺ ٺ 岧崛崊ਜ႗ਹஇ岨 >@ >@ٺ >@ٺ >@ >@ >@ >@ٺ ৱসਹஇ ٺ ٺ ٺ قলসਹඅك ٺ ٺ ٺ قથଊਹඅଦਊসك ٺ ٺ ٺ قসಉਹඅك ٺ ٺ ٺ ٺ ૽ਜਬಉਹஇ ٺ ٺ ્ਬਹஇ 峇峘ਜਹஇ ٺ ٺ ٺ ٺ قবઝಉઝଊஇك ٺ ٺ
Slide 54: Loans and deposits
ۈڷ؝ڮ岧৴岨 ⋇ ৱਓ峘 1&%৴ڀ ځਧমڽڻ৴ قك ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ৱਓ峘 ਠস岻স 崛嵤嵓嵕嵤嵛 େোসබઝਥ ્ਬৱਓ সබ峘ਦ થଊ লস قৌফૻੜ૨ك ŋŔőřňŌ ŋŖőŔňŌ ŋŖőřňŌ ŋŗőŚňŌ ŋŘőŖňŌ ŋŗőśňŌ ŋŘőŘňŌ ŋŖőŘňŌ ŋŗőŖňŌ ŋŕőŜňŌ ਗবನ౹ 峇峘ৱਓ થಕৱਓ ૮ಕৱਓ ஔહ峕બ峵ৱਓ భઘসৱਓ ੍௸അဍৄନ ਬਊস ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ৱଷਬਊ
Slide 55: Loans by category
ۈڷ؝ڮ岧৴岨 ⋈ ઝ峝ෞৱਓ峘 1&%৴ڀ ځਧমڽڻ৴ قك ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ઝ峝ෞৱਓ峘 স ඒநਙস 崛嵤嵓嵆崵嵤 ਲ਼ਠྠ ઝଊਬਭো૿৳স ৷স ਗবನ౹ ઝ ਦྠ 峇峘ઝ ஔહਬਊস ஔહ峕બ峵ઝ ૽৩༸ௌਬਊস ᄨ༒স௸ರଷਬਊস ၉ଷਬਊস భઘসઝ ગ௬峕બ峵భઘসઝ ੍௸അဍ ઝ峘়ੑ ৱমস ৱমস ਹஇস ঽഞઙૄ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ઙৱম岜়ੑ 峇峘થଊ௬୷
Slide 56: Loans and deposits (bank)
ۈڷ؝ڮ岧1&%৬岨 ⋇ ৱਓ峘 قك ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ৱਓ峘 ਠস岻স 崛嵤嵓嵕嵤嵛 େোসබઝਥ ્ਬৱਓ সබ峘ਦ થଊ লস قৌফૻੜ૨ك ŋŔőŚňŌ ŋŖőŕňŌ ŋŖőŘňŌ ŋŗőŜňŌ ŋŘőŗňŌ ŋŗőŜňŌ ŋŘőŚňŌ ŋŗőœňŌ ŋŗőŖňŌ ŋŕőŜňŌ ਗবನ౹ 峇峘ৱਓ થಕৱਓ ૮ಕৱਓ ௸ফসા৷ భઘসৱਓ ੍௸അဍৄନ ਬਊস ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ৱଷਬਊস ٺ ٺ ٺ ٺ ٺ
Slide 57: Loans by category (bank)
ۈڷ؝ڮ岧1&%৬岨 ⋈ઝ峝ෞৱਓ峘 قك ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ଜ ઝ峝ෞৱਓ峘 স ඒநਙস 崛嵤嵓嵆崵嵤 ਲ਼ਠྠ ઝଊਬਭো૿৳স ৷স ਗবನ౹ ઝ ਦྠ 峇峘ઝ ૽৩ೖଖਬਊস ஔહਬਊস ૽৩༸ௌਬਊস ᄨ༒স௸ರଷਬਊস ၉ଷਬਊস భઘসઝ ગ௬峕બ峵భઘসઝ ੍௸അဍ ઝ峘়ੑ ৱমস ৱমস ਹஇস ঽഞઙૄ ٺ ٺ ٺ ٺ ٺ ٺ ઙৱম岜়ੑ 峇峘થଊ௬୷પস భ嵀崫崠இ ٺ ٺ ٺ ٺ ٺ ٺ
Slide 58: Breakdown of income and expenses
؝گਏྠ峘ଋ嵣ਹ峴嵣ਹඅ 岧1&%৬岨 ୳ قসપਜ਼؟ك ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ଋ ਹ ਹඅ ٹলস 岧ব岨 হਙ ક୧嵕嵤嵛嵣崊崹嵤崰嵕嵤嵛 قક୧嵕嵤嵛ك ق崊崹嵤崰嵕嵤嵛ك ા嵕嵤嵛 岧ব岨 岧৸৬岨 $ সෞਹ⍠ $( ٹથଊ 岧ব岨 ઝଊ ઙૄ 峇峘 % 岧ব岨 岧৸৬岨 & ਦੰ৺இ ' ਦੰ৺இ峼岹 岧ব岨峇峘 %' 岧৸৬岨 &' ٹস嵣ڹڸۃ 岧ব岨 ਙ ৵ઠਙ পઠٔ1&' 岧ব岨
Slide 59: Securities and valuation gains
؝ڰથଊ峘ଋৈ嵣௬இ 岧1&%৬岨 ଜ ଜ ଜ ੑ ৳થ ভ 峇峘峘 ੑ ৳થ ভ 峇峘峘 ੑ ৳થ ভ 峇峘峘 قك ৯ ঢ়৴ভ ৯ ৯ ঢ়৴ভ ৯ ৯ ঢ়৴ভ ৯ ۈڷٹੑપ বઝ ্ઝ ઝ ઙૄ ਗবଊ ق岰峋ਗবઝଊك 峇峘 થଊ岜ੑ ٹ௬இ বઝ ্ઝ ٺ ٺ ٺ ઝ ઙૄ ਗবଊ ٺ ٺ ق岰峋ਗবઝଊك ٺ ٺ 峇峘 થଊ岜ੑ ౚ峕ঢ়峃峵ଓଌৱમ ŕœŕœফŖা ৠହভ ųőŘś
Slide 60: Credit cost details
؝ڱਦ৷崛崡崰峘েਏશ 岧1&%৬岨 قك া ಹਬਊসোપٺق峙ರোஇك $ ٺ ٺ ٺ ٺ ਬਊ૨ ٺ ٺ ٺ ق岰峋ਏଵ৶峘৳ஹ峔ਬਊك ଋৈ ٺ ٺ ే嵣શਬਊ崛崡崰 % ૿৳ৣ 嵑嵛崗崨崎嵛؟ઝਜયী峘༄৲ 嵑嵛崗崊崫崿؟ઝਜયী峘ఒ ٺ ٺ ٺ ٺ ٺ ٺ ٺ ઽ ٺ ٺ ٺ ٺ ٺ ٺ ٺ 崒崽崸嵑嵛崡৲ٺق峙இك ٺ ٺ ٺ ٺ ٺ ٺ ٺ
Slide 61: মৱમ峙ੲਾ峘峩峼৯峒峁峐ਛ岿島峉峬峘峑岬峴岝્峘ଊ峘ਲ਼େ峼൭ා峃峵峬峘峑 峙岬峴峨峅峽岞 মৱમ峕੶ൗ岿島峉হඨ峘৸峨峉峙峙岝ઔ峔岹ఊਫ峨峉峙ಌ岿島峵岽峒岶岬峴峨峃岞 মৱમ峕峙లਟ峘ౚ峕ঢ়峃峵੶岶அ峨島峐…
মৱમ峙ੲਾ峘峩峼৯峒峁峐ਛ岿島峉峬峘峑岬峴岝્峘ଊ峘ਲ਼େ峼൭ා峃峵峬峘峑 峙岬峴峨峅峽岞 মৱમ峕੶ൗ岿島峉হඨ峘৸峨峉峙峙岝ઔ峔岹ఊਫ峨峉峙ಌ岿島峵岽峒岶岬峴峨峃岞 মৱમ峕峙లਟ峘ౚ峕ঢ়峃峵੶岶அ峨島峐岮峨峃岶岝岽島峳峘੶峙岝లਟ峘ౚ峼৳峃 峵峬峘峑峙峔岹岝嵒崡崗峮ਂનৰਙ峼ෆ峃峵峬峘峑峃岞 లਟ峘ౚ峙岝৽୭峘৲ಉ峕峲峴౮峔峵૭ચਙ岶岬峵岽峒峕岾ਔ岹峊岿岮岞
Nishi-nippon Financial Holdings — FY2019 Earnings Presentation on 6ix