SBI Shinsei Bank, Limited · TSE:8303

SBI Shinsei Bank — Shinsei Bank — Shareholder Meeting (June 2015)

15 slides from SBI Shinsei Bank's shareholder meeting presentation, Jun 17, 2015

  1. Slide 1: 15th Annual General Meeting of Shareholders

    [TRANSLATION] The Bank assumes no responsibility for this translation or for direct, indirect or any other form of damages arising for the translation. 15th Annual General Meeting of Shareholders Shinsei Bank, Limited June 17, 2015

  2. Slide 2: Fiscal Year 2014 Financial Results

    Fiscal Year 2014 Financial Results 2

  3. Slide 3: Five-Year-History (FY2010 – FY2014)

    Five-Year-History (FY2010 – FY2014) Consolidated Net Income and Share Price Trend Growing Toward the Future Over 200.0 billion yen in profit generated over the past 5 years Share price increased 2.5 times over the past 5 years Consolidated Net Income (LHS) Share Price (Year-End; RHS) Achieve Targets

  4. Slide 4: Fiscal Year 2014 Consolidated Results: Financial Summary

    Fiscal Year 2014 Consolidated Results： (Unit: JPY billion; %) Financial Summary FY2013 FY2014 【Consolidated】 Year 1 Year 2 Change 2nd MTMP 2nd MTMP Net Interest Income 110.5 126.4 +14% Noninterest Income 92.5 108.8 +18% Revenue 203.0 235.3 +16% Expenses -132.8 -141.6 -7% Ordinary Business Profit 70.

  5. Slide 5: Net Interest Income Trend

    Fiscal Year 2014 Consolidated Results： (Unit: JPY billion) Net Interest Income Trend 156.6 1,264 +3.4 +2.8 116.9 111.6 +9.7 110.5 FY2011 FY2013 Deposit Interest Income Other Factors FY2014 FY2010 FY2012 Funding Increase from Including Net Interest Cost Lake Business Dividend Income Improvement Incom

  6. Slide 6: Noninterest Income Trend

    Fiscal Year 2014 Consolidated Results： (Unit: JPY billion) Noninterest Income Trend 135.4 +11.6 +3.0 +1.7 108.8 87.3 92.5 86.0 Increase in Increase in APLUS Other Factors FY2014 FY2010 FY2011 FY2012 FY2013 Markets Related FINANCIAL Income Noninterest Income Including Income Income on the Sale of JGB

  7. Slide 7: Expenses and Expense-to-Revenue Ratio

    Fiscal Year 2014 Consolidated Results： (Unit: JPY billion; %) Expenses Expense-to-Revenue Ratio Personnel Expenses 80.0% 168.3 Nonpersonnel Expenses 142.8 141.6 62.3 127.9 128.6 132.8 70.0% 64.6% 65.4% 63.1% 55.0 56.9 51.0 51.5 52.8 60.0% 60.2% 105.9 48.9% 50.0% 87.7 76.9 77.0 79.9 84.6 40.0% FY2009

  8. Slide 8: NPL Balance, NPL Ratio and Net Credit Costs

    Fiscal Year 2014 Consolidated Results： (Unit: JPY billion; %) NPL Balance and NPL Ratio Based Upon Financial Revitalization Law Net Credit Costs (Nonconsolidated) FY2010 FY2011 FY2012 FY2013 FY2014 0 600 8% -0.2 6.78% 6.66% -5.5 500 -12.2 -11.8 6% 5.32% 400 -25 295.9 3.81% 300 279.6 4% 242.6 200 -50

  9. Slide 9: Capital Adequacy Ratio

    Fiscal Year 2014 Consolidated Results： (Unit: %) Capital Adequacy Ratio 18% 14.86% Capital Adequacy Ratio 15% 13.58% (Domestic Standard, 11.9% Grandfathering Basis) 13% Common Equity Tier 1 Ratio 9.2% (International Standard, Fully 10% Loaded Basis) 8% 5% 3% 0% 03/2014 03/2015 9

  10. Slide 10: Loans

    Fiscal Year 2014 Consolidated Results： (Unit: JPY billion) Loans 4,461.2 4,291.4 4,292.4 4,319.8 4,136.8 234.0 Others 219.0 Global Markets 113.2 183.2 380.8 216.8 183.6 307.3 Specialty Finance 85.0 320.8 299.1 246.5 262.2 404.2 194.4 Loans to Real Estate Corp/REITs 136.5 270.3 345.3 262.8 Real Estat

  11. Slide 11: Deposits

    Fiscal Year 2014 Consolidated Results： (Unit: JPY billion) Deposits 5,850.4 5,610.6 5,457.5 5,452.7 5,362.4 758.7 858.4 762.5 596.5 700.0 Corporate Deposits Retail Deposits 5,091.7 4,856.2 4,752.2 4,662.4 4,694.9 03/2011 03/2012 03/2013 03/2014 03/2015 11

  12. Slide 12: Net Revenue by Business Group

    Fiscal Year 2014 Consolidated Results： (Unit: JPY billion) Net Revenue by Business Group 292.1 Net Revenue 235.3 15.9 202.9 199.0 203.0 11.2 75.9 Global Markets 69.5 Group Institutional Group Individual Group Corporate/Others 136.6 129.3 6.7 -7.1 FY2010 FY2011 FY2013 FY2014 FY2015 12

  13. Slide 13: OBP after Net Credit Costs by Business Group

    Fiscal Year 2014 Consolidated Results： (Unit: JPY billion) OBP after Net Credit Costs by Business Group (Segment Profit) Ordinary Business Profit after Net Credit Costs 80.8 81.8 69.8 2.8 6.5 62.7 64.8 Global Markets Group Institutional Group 53.2 52.9 Individual Group Corporate/Others 22.6 17.7 4.6

  14. Slide 14: Year end dividend: 1.00 yen per share

    Dividend: Year end dividend: 1.00 yen per share 14

  15. Slide 15: 2015 Projection

    Fiscal Year 2015 Projection： Consolidated Net Income： 70.0 billion yen Nonconsolidated Net Income： 42.0 billion yen Year-end Dividend： 1.00 yen per share 15

Shinsei Bank — Shareholder Meeting (June 2015) on 6ix