Suruga Bank Ltd. Presentation to investors on interim period ended September 30, 2005 20059
1A
1990 1995 2000 2005 1B
TQ M Customer Advocacy CRM Total Quality Management C S 2A
2005 WATER STUDIO 2B
103,000km 29.4 41,865 7.7% 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
3B
4.5% 95.5% 4A
36 40 39 44 48 48 52 52 55 20 35 50 20-2 0 2006 2007 2008 2009 2010 2006 2007 2008 2009 2010 4B
0 5,000 10,000 15,000 20,000 25,000 5A
5B
6A
6B
7A
7B
1,100 1 5 0 1 5 0 8A
38.5% 7.4% 100% =584,169 2004/9 498,375 24.9% 18.1% 10.9% 1,870 1,524 1,492 1,204 1,296 931 2,353 1,774 5.8% 7.5% 100%=609,058 2004/9 573,395 36.6% 43.4% 02/9 03/9 04/9 05/9 18 15 12 13 2.6% 2.3% 1.5% 02/9 03/9 04/9 05/9 8B
20,282 20,355 ( 億 円 ) 20,809 3.29% 1.86% 0.09% ( 億 円 ) 27,004 26,499 26,734 19,865 3.07% 3.07% 3.11% 1.01% 0.96% 1.53% 1.59% 1.70% 25,985 0.08% 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
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
( 億 円 ) ( 億 円 ) 294 12 285 337 15 334 0.7 8 16 12 319 298 8 23 362 330 259 275 290 304-2 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 10A
110 141 (126) 15 153 169 ( 億 円 ) 56 67 46 46 ( 億 円 ) 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 10B
12,376 1,704 10,671 13,290 14,187 1,700 11,590 +914 +897 61.0% 65.0% 1,675 12,512 +897 +1,061 67.8% 15,248 1,812 13,436 70.8% ( 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
11B 1,161 4.6% 584 (14.4%) 65 7.0% 7,130 3.3% 6,306 2.8% 1,812 7.8% 1,161 4.6% 584 (14.4%) 65 7.0% 7,130 3.3% 6,306 2.8% 1,812 7.8% 100%=15,248(3.6%) 100%=1,812 (7.8%)
4,243 3,874 41.1% 51.2% 56.4% 61.1% 25.6% 21.5% 19.5% 15.6% 3,064 3,459 586 680 760 32.3% 27.2% 23.6% 21.9% 495 1.0% 0.1% 0.5% 1.4% 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 12A
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
( 百 万 円 ) 1,356 ( 億 円 ) 1,849 757 704 574 484 405 150 145 74 88 48 64 1,085 969 631 127 173 93 615 147 130 381 206 132 196 03/9 04/3 04/9 05/3 05/9 690 239 845 333 1,069 467 269 302 356 133 152 48 57 188 56 1,404 615 465 251 71 752 681 352 63 03/9 04/3 04/9 05/3 05/9 13A
140 126 ( 億 円 ) 0.67 年 0.73% 0.76% ( 億 円 ) 40 3 2 5-16 -45-66 -58-69 37-5 -8-10 -3 02/9 03/9 04/9 05/9 0.63% 14 02/9 0.58 年 9 0.36% 19 0.51 年 0.59 年 16 03/9 04/9 05/9 13B
187 185 183 185 ( 億 円 ) 71 72 69 68 63.4% 104 102 101 104 55.5% 54.3% 51.1% 11 10 12 12 02/9 03/9 04/9 05/9 14A
1.07% 1.10% 1.17% 0.60% 0.40% 0.20% 0.88% -25.00% 0.00% -15.00% -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
191 0.88 % 88 103 0.57 % 1.60 % 60 91 48 78 11 13 68.13 % 89.25% 28 11 100 % 100 % 100 % 100 % 488 2.25 % 103 384 0.67 % 5.97% 52 247 42 135 10 112 50.77 % 64.20 % 40 119 79.59% 86.54 % 89.95% 95.18 % 501 2.31% 81 419 0.53% 6.51% 58 162 49 160 8 1 71.07% 38.68 % 6 84 26.19 % 32.68% 78.65% 58.72% 1,181 5.44 % 273 907 1.79 % 14.09% 170 501 140 374 30 126 62.45 % 55.25 % 74 214 72.86% 52.79 % 89.81 % 78.87 % 20,527 94.56% 14,996 5,531 98.20 % 85.90% カバー 率 合 計 81.41 % 21,708 100% 15,270 6,438 100 % 100 % 15A
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
80.13% 81.16% 78.50% 1,935 412 1,616 1,528 333 1,138 303 1,181 935 936 289 672 81.41% 0.57% 0.48% 半 期 ベース 169 153 141 110 58 48 65 67 0.64% 0.64% 384 347 287 219 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 16A
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
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% 1,528 25.6% 1,413 515 446 18.1% 1,259 1,298 340 261 02/9 03/9 04/9 05/9 02/9 03/9 04/9 05/9 17A
345 362 +17 680 710 185 185 0 360 370 160 163 +3 346 330 160 169 +9 313 335 100 101 +1 183 205 50 67 +17 104 125 60 67 +7 125 127 17B
18A
18B
03-3279-5536 ir.koho@surugabank.co.jp