Better Banking Better Value
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1 Better Banking Better Value (TSE : 833) BUILDING A JAPANESE BANKING LEADER Investor Meeting 1HFY24 December 21, 24
2 The following materials contain statements that constitute forward-looking statements, plans for the future, management targets, etc. relating to the Company and its subsidiaries. These forward-looking statements are based on current assumptions of future events and trends, which may be incorrect. Actual results may differ materially from those in the statements as a result of various factors. Unless otherwise noted, the financial data contained in these materials are presented under Japanese GAAP. The Company disclaims any obligation to update or to announce any revision to forward-looking statements to reflect future events or developments. Unless otherwise specified, all the financials are shown on a consolidated basis. Information concerning financial institutions other than the Company and its subsidiaries are based on publicly available information. 2
3 First Half FY24: Financial Highlights Net profit rose 2% to JPY 4.7 billion Non-interest revenue was JPY 47.3billion, increase of 42% (65% of total revenue) NPL s fall to 2.% of total claims or JPY 73.7 billion - an overall decline of JPY 23.6 billion during first half FY24 57% of total customer funding from retail customers - up 3% during first half FY24 Credit rating upgrades (S&P: BBB BBB+, R&I: BBB+ A- ) comparison against 1HFY23 announced on December, 17, 24 announced on August, 17, 24 Significant Progress in All Key Areas 3
4 First Half FY24: Stronger Returns Financial Overview FY 1 FY 2 FY 3 1HFY 3 1HFY 4 Total Revenue Total Expenses Net Income 61.2 (1) ROA.7%.7% 1.% 1.% 1.3% ROE (2) 1.2% 8.1% 9.4% 9.9% 1.9% 1. Reflects JPY 2Bn of realized losses from Shinsei s US bond portfolio 2. Based on total shareholders equity 4
5 Total Revenue Annual Annual Basis Basis 14 Semi-Annual Semi-Annual Basis Basis % FY21 FY22 FY23 1st Half FY23 1st Half FY24 5
6 Net Income Annual Annual Basis Basis Semi-Annual Semi-Annual Basis Basis % FY21 FY22 FY23 1st Half FY23 1st Half FY24 6
7 ROA and ROE ROA ROA and and Total Total Assets Assets % % 1.6% 9, ROE ROE and and Equity Equity % % 16.% 8 1.4% 8, 1.2% 12.% 7 1.% 7,.8% 6, 8.% 6.6%.4%.2%.7%.7% 1.% 1.3% 5, 4, 4.% 1.1% 8.1% 9.4% 1.9% 5.% FY21 FY22 FY23 1st Half FY24 3,.% FY21 FY22 FY23 1st Half FY24 4 ROA Total Assets ROE Equity equity includes preferred shares 7
8 Driving Profitability and Returns! Institutional Banking " Deliver value-added solutions to broader institutional customer base " Provide quick and high quality services with integrated teams of product specialists and relationship managers " Diverse revenue mix! Retail Banking " Offer customer-focused, high quality products and services " Expand service channels to maximize convenience and value " Low cost operation, IT leadership! Non-Bank Business " Expand business as the third pillar of Shinsei strategy 8
9 Institutional Banking Operational Highlights! Strong momentum in securitization business " Securitization of Mizuho Bank HQ (August) " IFR Japanese Securitisation of the Year (24) First CDO repackage securitization of CMBS arranged by a Japanese Bank " #3 in ABS League table (Nikkei Bonds and Financial Weekly, Bloomberg)! Corporate revitalization deals " Refinance for Matsuyadenki " DIP financing to Kimuraya Institutional Traditional Products Loans Debentures Forex/Derivative New Products, Services Credit Trading Securitization (ABS, MBS) Non Recourse Financing Corporate Revitalization Private Equity M&A Advisory Asset Management! Loan volume stability! Expanded non-bank business 9
10 Retail Banking Operational Highlights! Exceeded 1 million accounts after three years! Strong customer response to Powered One and PowerSmart! Ranked #1 in customer satisfaction of the Nikkei survey of financial institutions! Approach new customers through the launch of a new distribution channel Shinsei BankSpot! Agreement with Rakuten Securities to offer Securities Brokerage Services Retail Traditional Products Savings Time Deposits Debentures New Products PowerFlex - Integrated Account Foreign Currency Savings / Deposits Mutual Funds Variable Annuity Insurance High Net-Worth Special Products Powered One deposit PowerSmart Housing Loan New Services 24x7 (ATM, Call center, Internet Banking) ATM Network International Cash Service Securities Brokerage Agent Business Nikkei, October 24 Scheduled to launch after January 25 1
11 Retail Banking: Rapid Retail Deposit and Loan Growth 1.18 million accounts achieved through rapid growth of PowerFlex accounts (as of November 3, 24) Powered One deposit volume reached 39 billion yen (as of November 3, 24) PowerSmart loan balance reached 219 billion yen (as of September 3, 24) Grow Growth th in in AUM AUM and and # # of of Accounts Accounts JPY Tn JPY Tn Accounts (Thousands) Accounts (Thousands) 3.5 1,2 3. 1, Jun-4 Sep-1 Mar-2 Sep-2 Mar-3 Sep-3 Mar-4 Sep-4 Growth Growth in in PowerSmart PowerSmart Housing Housing Loans Loans Customers (Thousands) Customers (Thousands) Mar-2 Sep-2 Mar-3 Sep-3 Mar-4 Sep-4 Total AUM # of accounts balance customers 11
12 Expanding the Non Bank Business!Acquisition of Aplus Major step to build Shinsei s non-bank business franchise Opportunities to apply Shinsei s strong brand, capital position and technology leadership!expanding Non-Bank Franchise in Three Key Markets Complement to Shinsei s Retail and Institutional Businesses Shinsei Platform Financial Strength Risk Management IT and Operations Client-focused Shinsei Brand Power Customer Products Group Companies Consumer Small & Medium Business Specialty Property Installment Sales Credit Card Cashing Loan Consumer Credit Secured Lending Unsecured Lending Mortgage Loan Housing Loan Aplus Shinsei Sales Finance Shinki Shinsei Business Finance Shinsei Property Finance Life Housing Loan 12
13 Financial Impact of Aplus Transaction Forecasted FY24 cash basis net income is 74. billion yen Intangibles are approx. 27 billion yen and will be amortized between 1 2 years M T M Intangibles from Aplus Transaction Impact on Net Income FY23 FY24 (JPY bn) Actual Forecast Net Assets of Aplus on 9/3/24 (181.) Earnings (JPY bn): 1 Value attributable to identified intangibles 7.2 Reported Net Income Mark-up on 9/3/24 net assets 4.3 Intangible Amortization - (9.) 2 Deferred Tax Liability (DTL) Adjustment (3.3) Cash Basis Net Income (1,368) Fully Diluted EPS (JPY): Purchase price (common and preferred) (65.) EPS Residual Goodwill (21.7) Cash Basis EPS - 38 b a 1. Identified intangibles of 7.2 billion yen is based on a third party s assessment. These include trade name, customer relationships, among others. 2. DTL adjustment is the tax portion of identified intangibles assets and mark-up on net assets. DTL adjustment will be amortized based on useful life of respective identified intangibles billion yen of newly issued common stock and 3 billion yen of outstanding preferred shares (completed on September 29, 24) a. Includes goodwill and identifiable Intangibles amortizations b. Diluted EPS calculations use fully diluted number of shares of 1,927,663,645 13
14 Revenue Mix Continues to Diversify Non-interest income growth more than offset interest income decrease Revenue Revenue Composition Composition JPY JPY Bn Bn % % % % % % % 39% % % FY2 FY21 FY22 FY23 Net Interest Income Non Interest Income Net Interest Income/Revenue Non Interest Income/Revenue 1% 8% 6% 4% 2% % Revenue Revenue Composition: Composition: Semi-Annual Semi-Annual Basis Basis JPY JPY Bn Bn % % 8 7% 65% 7 6% 54% % 46% 5 4% % 3% % % % 1st half FY23 1st half FY24 Net Interest Income Net Interest Income/Revenue Non Interest Income Non Interest Income/Revenue 14
15 Balanced risk profile Improved credit quality Better Asset / Loan Composition Major Major Risk Risk Asset Asset Categories Categories Improving Improving Loan Loan Portfolio Portfolio Quality Quality % % % % /22 3/23 3/24 9/ /22 3/23 3/24 9/24 JGBs Loans Structured Loans Other BBB- or above B- to BB+ below B- Internal category, differ from financial balance sheet Internal Facility Rating Basis (Transformed to corresponding ratings of R&I) 15
16 Better Funding Mix Retail deposit growth shifts balance of liability composition Low-cost and diverse sources of funding Funding Funding Composition Composition 1% 8% 7% 19% 17% 2% 33% 38% 44% 6% 4% 74% 63% 16% 16% 13% 2% 51% 46% 43% % 3/21 3/22 3/23 3/24 9/24 Institutional Deposits/Debentures Retail Debentures Retail Deposits 16
17 Balanced Assets Decreased NPLs by JPY 1.8 trillion (or 94%) over 4 years Industry leading coverage ratio Remain conservatively reserved Reduction Reduction of of NPLs NPLs % % 2,5 25% 22.% NPL NPL Coverage Coverage Ratio Ratio As of 9/24, % As of 9/24, % 99% 2, 1, % 2.% 2% 72% 82% 77% 73% 1,5 1,296 1,114 15% 1, 1% 5 5.7% % 2.% /2 3/21 3/22 3/23 3/24 9/24 5% % NPL Amount Non-consolidated basis NPL Ratio Shinsei MTFG SMFG Mizuho UFJ Non-consolidated basis 17
18 High Quality Capital Base Tier1 ratio after Aplus acquisition: 8.% Capital quality supports growth strategy Regulatory Capital Ratio As of 9/24, % 13-14% 1.9% 1.9% 11.9% 9.9% 11.8% 8.% 7.4% 6.% 6.% 5.1% Tier Tier 1 1 Capital Capital Quality Quality As of 9/24, % As of 9/24, % 15% 85% 65% 45% 25% 5% 1.5% 16% 3% 45% 47% 98.5% 84% 7% 55% 53% Shinsei MTFG SMFG Mizuho UFJ Tier 1 Ratio BIS Ratio -15% Shinsei MTFG SMFG Mizuho UFJ Core Capital Net DTAs Expected capital adequacy ratio after the planned capital enhancement for Aplus 18
19 Shinsei Strategy, Plans and Budgets (SPB)! Shinsei Bank introduced SPB as a new management tool this year! The Bank and respective Groups/Divisions to have own Vision, Strategies, Plans and Budgets to seek a sustainable and mid-long term (three year) growth Vision Strategies Plans Budgets A sensible and appealing picture of the future A logic for how the vision can be achieved Specific steps and timetables to implement the strategies Plans converted into financial projections and goals 19
20 SPB Concept! Set various Strategic Objectives to achieve the Vision of the Bank and Groups/Divisions - First, make strategic objective in Customer Perspective Articulate strategy with Customer Value Proposition - Long-term view, not only Short-term view - Non-Financial perspective, not only Financial perspective Process Innovation Skill / Capability - Set Key Performance Indicator (KPI) - Monitor performance and revise forecast quarterly 2
21 Shinsei Corporate Strategy Map 21
22 Shinsei Bank is a Japanese banking institution founded on global standards of governance and management. With over $6 billion in assets and 29 branches throughout Japan, Shinsei provides a broad range of value-added financial solutions to institutional and individual customers under the banner of Better Banking. Our PowerFlex account, free ATM network and internet banking service, and customer friendly financial centers have redefined the Japanese retail banking experience. Shinsei is committed to long-term growth and profitability by expanding its customer-focused business model. 22
23
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