Presentation: Financial Results for The Fiscal Year Ended March 31, 2024

Creating a better version of daily life by going beyond the wishes of our customers.

Financial Results

Financial Results for the Fiscal Year Ended March 31, 2024

TODAY'S AGENDA

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Financial Results for Fiscal Year Ended March 31, 2024

Key Figures and Topics by Business

Financial Results		Progress in Medium-
Forecast for Fiscal		Term Management
Year Ending March 31,		Plan and Strategy for
2025		FY2024

Appendix

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AGENDA

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Financial Results for Fiscal

Year Ended March 31, 2024

2

Key points of the results for

fiscal year ended March 31, 2024

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Financial results	Domestic ATM	Retail business	Overseas
overview	business		business
Ordinary income increased on both	Number of transactions were	Loan balance continued to grow;	Renewal of contract in the U.S.
consolidated and non-consolidated	up from the previous year;	credit cards and e-money did not	was completed, while the
bases to highest ever	upgrade to the fourth	achieve the targets	business in Asia continued to
Ordinary profit increased on a	generation ATMs has also		grow
consolidated basis, declined on a	been smooth
non-consolidated basis

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Financial Results for

Fiscal Year Ended March 31, 2024

Profit/Loss Status [Consolidated]

Ordinary income

Ordinary income increased primarily owing to better-than-expectednon-consolidated results and consolidation of 7CE

Ordinary profit

Ordinary profit increased partly thanks to the impact of consolidation of 7CE despite continued investment for growth and the impact of foreign exchange fluctuation

Notes: 1. All comments and figures regarding changes are compared with the same period a year ago.

1. Amounts less than one hundred million yen have been truncated.
2. Previous-yearcomparisons are based on the units used in these materials.
3. Exchange rates used in the consolidated income statement: FY2022 $1 = ¥131.62
   FY2023 $1 plan = ¥140.00 FY2023 $1 = ¥140.67
4. All EBITDA in these materials are Ordinary profit + Depreciation and amortization.

Ordinary income

¥197.8billion

fiscal year	¥154.9billion
changeyear	+27.6%		plan	(0.3)%
Previous		Year on			Vs.

Ordinary profit

¥30.5billion

Previous	Year on	+5.5%		plan	+19.6%
fiscal year ¥28.9billion	change
	year			Vs.

Ordinary expenses

¥167.3 billion

		Year on	+32.7%
fiscal year ¥126.0 billion		changeyear
Previous
		Vs.		(3.2)%
		plan

Net income attributable to owners of the parent

¥31.9 billion

		Year on	+69.6%
Previous		changeyear
fiscal year ¥18.8 billion
	Vs.		(16.7)%
		plan

EBITDA

¥53.9 billion

Previous	Year on
fiscal year ¥48.4 billion	changeyear +11.3%

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Financial Results for

Fiscal Year Ended March 31, 2024

Trend of Fiscal Year Performance [Consolidated]

2,500Ordinary income

2,000			197.8
1,500	136.6	154.9
1,000
500
0	FY21	FY22	FY23

Ordinary profit

(Billion yen)

Ordinary expenses

2,000		167.3
108.4	126.0
1,000
0
FY21	FY22	FY23

Net income

400		31.9
attributable to owners of the parent
20.8	18.8
200
0
FY21	FY22	FY23

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Note: Amounts less than one hundred million yen have been truncated.

400
300	28.2	28.9	30.5
	EBITDA
			1000
200						53.9
			500	44.6	48.4
100
0			0	FY21	FY22	FY23
FY21	FY22	FY23

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Financial Results for

Fiscal Year Ended March 31, 2024

Profit/Loss Status

[Seven Bank]

Ordinary income

Posted record ordinary income mainly owing to the increase in number of ATM transactions across all business categories reflecting robust fund demand and improved convenience of Seven Bank ATMs

Ordinary profit

Ordinary profit declined as

depreciation and amortization increased due to switch to new model ATMs and preparations for the rollout of new bank notes

Notes: 1. All comments and figures regarding changes are compared with the same period a year ago.

2. Amounts less than one hundred million yen have been truncated.

3. Previous-year comparisons are based on the units used in these

Ordinary income

¥128.8billion

fiscal year	¥120.5billion
changeyear	+6.8%		plan +0.6%
Previous		Year on			Vs.

Ordinary profit

¥29.1billion

Previous	Year on		Vs.
fiscal year 31.5	year	(7.6)%	(3.0)%
plan

Ordinary expenses

¥99.7billion

	Year on	+12.0%
Previous		year
fiscal year ¥89.0 billion	change
		plan		+1.7%
		Vs.

Net income

¥19.3billion

	Year on	(1.0)%
	year
Previous	change
fiscal year ¥19.5 billion
Vs.	(5.8)%
	plan

EBITDA

¥47.7billion

Year on

year (1.2)%

change

Previous ¥48.3 billion fiscal year

Vs. (3.6)

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materials.

4. All EBITDA in this material are Ordinary profit + Depreciation and

amortization.

¥	billion	change

plan

%

6

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Key Figures and Topics by Business

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AGENDA 02

AGENDA 02 Key Figures and Topics by Business

Domestic Business (ATM)

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Domestic Business (ATM)

Key Figures:

Trend in the Number

of ATM Transactions

Total number of transactions for FY2023

+59 million transactions

Daily average transactions per ATM

+3.5 transactions

Notes: 1. All comments and figures regarding changes are compared with the same period a year ago.

1. The total number of ATM transactions and daily average transactions per ATM do not include balance inquiries, e-money charges, PIN changes, withdrawal limit changes, or other operations.
2. In this report, securities, life insurance, credit card, consumer credit, consumer financing companies, and code payment companies are all referred to as "non-banks, etc."
3. ATM-relatedfee income per transaction: ¥109.3 for FY2023
4. • ATM-relatedfee income per transaction = ATM-related fee income / (Total of transactions - Total of transactions without ATM-related fee income [i.e. sales proceeds deposits])

								COP Y RI GHT
								©
								2 0 2 4
Daily average			96.5	101.5	105.0	105.8		S E VE N B
transactions per ATM	92.1	90.5		1,039		100	ANK ,
(Transactions/day/ATM)
				LTD . AL
				980
								L
								RI
			910					GHTS
	849	836			316			RE S
Total number of			278				ER
transactions for non-						50	VE
121		242				D
banks, etc.					.
177
(Million transactions)
						1,066	0
Total number of
transactions for	727				722
deposit-taking		667	701
financial institutions		659
(Million transactions)
							-50
	FY19	FY20	FY21	FY22	FY23	FY24	-100
				Previous	Current	Plan
				fiscal year	fiscal year
								9