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しほこむこやま
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1 Suruga Bank Ltd. Presentation to investors on interim period ended September 30,

2 1A

3 B

4 TQ M Customer Advocacy CRM Total Quality Management C S 2A

5 2005 WATER STUDIO 2B

6 103,000km , % 90% 92% 95% Card Usage POS Volume 1 per card, US$ 10,660 Iceland 1,630 S Korea 2,350 New Zealand 2,000 Canada 3,520 Australia 2,320 UK 4,200 Norway 1,420 Singapore 1,710 USA 1,540 Hong Kong 770 Taiwan 910 Malaysia 780 Japan 450 Thailand 330 Philippines 330 Indo 140 India 6% 3% 3% 1% 41% 37% 29% 26% 26% 21% 21% 17% 14% Source: Nilson Report, central banks, Visa analysis 58% 54% 90% PCE Penetration at POS 2 (%) (1) Total Visa and MasterCard Volume at POS (2) Total credit and debit including proprietary 65% 99% 0.9%~2.5% 0.3%~0.7% 3A

7 3B

8 4.5% 95.5% 4A

9 B

10 0 5,000 10,000 15,000 20,000 25,000 5A

11 5B

12 6A

13 6B

14 7A

15 7B

16 1, A

17 38.5% 7.4% 100% =584, /9 498, % 18.1% 10.9% 1,870 1,524 1,492 1,204 1, ,353 1, % 7.5% 100%=609, /9 573, % 43.4% 02/9 03/9 04/9 05/ % 2.3% 1.5% 02/9 03/9 04/9 05/9 8B

18 20,282 20,355 ( 億円 ) 20, % 1.86% 0.09% ( 億円 ) 27,004 26,499 26,734 19, % 3.07% 3.11% 1.01% 0.96% 1.53% 1.59% 1.70% 25, % 0.41% 0.05% 0.05% 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 0.47% 0.71% 0.80% 02/9 03/9 04/9 05/9 0.32% 0.32% 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 9A

19 3.15% 3.17% 3.20% 1.80% 1.83% 1.72% 3.07% 1.38% 1.34% 1.31% 1.32% 0.09% 0.08% 0.04% 0.05% 1.59% 0.66% 0.75% 0.92% 0.98% 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 9B

20 ( 億円 ) ( 億円 ) /9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 10A

21 (126) ( 億円 ) ( 億円 ) 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 10B

22 12,376 1,704 10,671 13,290 14,187 1,700 11, % 65.0% 1,675 12, , % 15,248 1,812 13, % ( 億円 ) 1,170 1,183 2,353 2,282 2,139 1,164 1,117 1,132 1,007 1,079 ( 億円 ) 02/9 03/9 04/9 05/9 03/3 04/3 05/3 05/9 11A

23 11B 1, % 584 (14.4%) % 7, % 6, % 1, % 1, % 584 (14.4%) % 7, % 6, % 1, % 100%=15,248(3.6%) 100%=1,812 (7.8%)

24 4,243 3, % 51.2% 56.4% 61.1% 25.6% 21.5% 19.5% 15.6% 3,064 3, % 27.2% 23.6% 21.9% % 0.1% 0.5% 1.4% 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 12A

25 1.12% 0.76% 0.93% 0.81% 0.88% 0.63% 0.66% 0.53% 0.42% 0.59% 0.35% 0.29% 0.28% 0.32% 0.41% 0.13% 0.22% 0.14% 0.23% 0.20% 03/9 04/3 04/9 05/3 05/9 03/9 04/3 04/9 05/3 05/9 ( 年率換算 ) 延滞率 = 3ヶ月以上延滞債権ローン残高毀損率 = デフォルト率 (1- 回収率 ) 12B

26 ( 百万円 ) 1,356 ( 億円 ) 1, , /9 04/3 04/9 05/3 05/ , , /9 04/3 04/9 05/3 05/9 13A

27 ( 億円 ) 0.67 年 0.73% 0.76% ( 億円 ) /9 03/9 04/9 05/9 0.63% 14 02/ 年 % 年 0.59 年 16 03/9 04/9 05/9 13B

28 ( 億円 ) % % 54.3% 51.1% /9 03/9 04/9 05/9 14A

29 1.07% 1.10% 1.17% 0.60% 0.40% 0.20% 0.88% % 0.00% % -5.00% 5.00% 15.00% 25.00% 0.66% -0.20% 0.64% 0.67% 0.71% 0.71% -0.40% 02/3 03/3 04/3 05/3 05/9-0.60% 14B

30 % % 1.60 % % 89.25% % 100 % 100 % 100 % % % 5.97% % % % % 89.95% % % % 6.51% % % % 32.68% 78.65% 58.72% 1, % % 14.09% % % % % % % 20, % 14,996 5, % 85.90% カバー率合計 % 21, % 15,270 6, % 100 % 15A

31 9.45% 7.43% 7.84% 7.23% 21.22% 6.23% 5.80% 5.44% 4.10% 18.61% 18.22% 14.09% 1.87% 1.68% 1.36% 1.01% 1.74% 1.89% 1.89% 1.79% 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 15B

32 80.13% 81.16% 78.50% 1, ,616 1, , , % 0.57% 0.48% 半期ベース % 0.64% /9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 16A

33 1.30% 1.10% 04 年 9 月 05 年 3 月 1.06% 1.16% 1.22% 0.90% 0.70% 0.50% 0.30% 0.99% 0.10% 0.30% 0.31% 0.33% 0.32% -5.00% -0.10% -0.30% 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 03/3 04/3 05/3 05/9-0.50% 16B

34 Tier 1,325 1,209 1,169 1,438 ( 億円 ) Tier 10.29% 9.36% 8.94% 9.75% 11.07% ( 億円 ) 10.32% 9.70% 44.0% 8.54% 8.93% 9.14% 36.9% 7.93% 8.32% 1, % 1, % 1,259 1, /9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 17A

35 B

36 18A

37 18B

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