FACT BOOK
Fiscal Year Ended March 31, 2024
01
Consolidated
01 Consolidated
Corporate Profile
Basic information
Key data (as of Mar. 31, 2024)
Headquarters: | 1-6-1, Marunouchi, Chiyoda-ku, Tokyo |
Main business | ATM services, other financial services |
Consolidated Subsidiaries
Domestic Subsidiaries Offering of financial services, etc. The figures in ( ) denote the percentage of voting rights.
• Bank Business Factory Co., Ltd. (100%) |
• Seven Payment Service, Ltd. (100%) |
• Seven Global Remit, Ltd. (100%) |
• ACSiON, Ltd. (58.28%) |
• VIVA VIDA MEDICAL LIFE CO., LTD. (97.78%) |
Net assets
Common stock (Seven Bank, Ltd.)
Number of ATMs (Japan)
No. of employees
No. of shares outstanding
Main shareholders (as of Mar. 31, 2024)
275,856 million yen
30,724 million yen
27,422
1,301
1,179,308,000 shares
• Seven Card Service Co., Ltd.(98.86%) |
Overseas Subsidiaries Offering of ATM service The countries in [ ] denote the location of their headquarters.
- FCTI, Inc. (100%) [U.S.]
- PT. ABADI TAMBAH MULIA INTERNASIONAL (67.89%) [Indonesia]
- Pito AxM Platform, Inc. (100%) [Philippines]
・Other subsidiaries (equity method): 3
Main shareholders (as of Mar. 31, 2024)
Shareholders | No. of shares held | Share-holding |
(shares) | (%) | |
Seven-Eleven Japan Co., Ltd. | 453,639,000 | 38.46 |
The Master Trust Bank of Japan, Ltd. (trust | ||
account) | 91,055,800 | 7.72 |
Ito-Yokado Co., Ltd. | 46,961,000 | 3.98 |
York-Benimaru Co., Ltd. | 45,000,000 | 3.81 |
Custody Bank of Japan, Ltd. (trust account) | 37,146,100 | 3.14 |
BBH FOR UMB BK, NATL ASSOCIATION-G | 19,143,992 | 1.62 |
LOBALALPHA INTL SMALL CAP FUND LP | ||
Sumitomo Mitsui Banking Corporation | 15,000,000 | 1.27 |
The Dai-ichiLife Insurance Co., Ltd. | 15,000,000 | 1.27 |
MUFG Bank, Ltd. | 10,000,000 | 0.84 |
Nomura Research Institute, Ltd. | 10,000,000 | 0.84 |
NEC Corporation | 10,000,000 | 0.84 |
COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED.
19.57 | 7 & i Group | ||||
Financial institutions | |||||
11.14 | 46.25 | Securities companies | |||
Other corporations | |||||
3.12 | Foreign investors | ||||
20.46 | Individuals and other shareholders | ||||
1.40 | |||||
Shareholders | No. of shares held | Share-holding | |||
(shares) | (%) | ||||
7 & i Group | 545,600,000 | 46.25 | |||
Financial institutions | 215,470,604 | 18.27 | |||
Securities companies | 15,539,955 | 1.32 | |||
Other corporations | 36,677,795 | 3.12 | |||
Foreign investors | 131,347,489 | 11.14 | |||
Individuals and other shareholders | 234,672,157 | 19.57 |
Notes: 1. Shareholding ratios have been truncated to the nearest third decimal lace. 2. Colored rows indicate Seven & i Holdings group companies
3. Other corporations do not include Seven & i Holdings group companies
2
01 Consolidated
Trends in Income (Consolidated)
Ordinary income | (Billion yen) 46.7 | Depreciation and amortization | EBITDA | EBITDA margin | (%) | |||||||||||||||||||||||||||
Ordinary expenses | 46.6 | 45.6 | ||||||||||||||||||||||||||||||
43.4 | 50 | |||||||||||||||||||||||||||||||
Ordinary profit | 80 | 39.5 | ||||||||||||||||||||||||||||||
36.6 | 36.2 | |||||||||||||||||||||||||||||||
Net income attributable to owners of the parent | ||||||||||||||||||||||||||||||||
197.8 | 32.6 | 31.2 | 27.2 | 40 | ||||||||||||||||||||||||||||
(Billion yen) | 58.2 | |||||||||||||||||||||||||||||||
200 | 60 | 55.9 | 55.4 | 55.4 | 54.4 | 53.9 | 30 | |||||||||||||||||||||||||
154.9 | 53.2 | 49.7 | 48.4 | |||||||||||||||||||||||||||||
147.2 | 148.5 | |||||||||||||||||||||||||||||||
160 | 137.2 | 136.6 | 44.6 | |||||||||||||||||||||||||||||
119.9 | 121.6 | 127.6 | 167.2 | |||||||||||||||||||||||||||||
114.0 | ||||||||||||||||||||||||||||||||
106.5 | 108.7 | 40 | ||||||||||||||||||||||||||||||
120 | 101.6 | |||||||||||||||||||||||||||||||
126.0 | ||||||||||||||||||||||||||||||||
76.9 | 82.7 | 84.8 | 89.3 | 23.3 | ||||||||||||||||||||||||||||
108.4 | ||||||||||||||||||||||||||||||||
80 | 20 | 18.7 | 18.7 | 17.5 | 19.5 | ||||||||||
17.1 | 16.3 | ||||||||||||||
37.0 | 37.1 | 36.7 | 40.7 | 39.8 | 35.6 | 16.2 | 14.6 | 14.0 | |||||||
38.3 | 28.2 | 28.9 | 30.5 | ||||||||||||
40 | |||||||||||||||
13.2 |
0 | 23.2 | 24.7 | 25.1 | 25.3 | 26.1 | 25.9 | 20.8 | 18.8 | 31.9 | 0 | |||||||||||||||||
FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | ||||||||
Unit | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | |||||||||||||||||
Ordinary income | Billion yen | 114.0 | 119.9 | 121.6 | 127.6 | 147.2 | 148.5 | 137.2 | 136.6 | 154.9 | 197.8 | ||||||||||||||||
Ordinary expenses | Billion yen | 76.9 | 82.7 | 84.8 | 89.3 | 106.5 | 108.7 | 101.6 | 108.4 | 126.0 | 167.2 | ||||||||||||||||
Ordinary profit | Billion yen | 37.0 | 37.1 | 36.7 | 38.3 | 40.7 | 39.8 | 35.6 | 28.2 | 28.9 | 30.5 | ||||||||||||||||
Net income attributable to owners | Billion yen | 23.2 | 24.7 | 25.1 | 25.3 | 13.2 | 26.1 | 25.9 | 20.8 | 18.8 | 31.9 | ||||||||||||||||
of the parent | |||||||||||||||||||||||||||
Depreciation and amortization | Billion yen | 16.2 | 18.7 | 18.7 | 17.1 | 17.5 | 14.6 | 14.0 | 16.3 | 19.5 | 23.3 | ||||||||||||||||
EBITDA | Billion yen | 53.2 | 55.9 | 55.4 | 55.4 | 58.2 | 54.4 | 49.7 | 44.6 | 48.4 | 53.9 | ||||||||||||||||
EBITDA margin | % | 46.7 | 46.6 | 45.6 | 43.4 | 39.5 | 36.6 | 36.2 | 32.6 | 31.2 | 27.2 | ||||||||||||||||
Note: 1. EBITDA = Ordinary profit + Depreciation and amortization | 2. EBITDA margin = EBITDA / Ordinary income | ||||||||||||||||||||||||||
COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED. | 3 | ||||||||||||||||||||||||||
01 Consolidated
Per Share Information (Consolidated)
Dividends and payout ratio
(yen) | Interim | Year end | Payout ratio | (%) | ||||||||||
16 | 99.0 | 100 | ||||||||||||
14 | 62.0 | 68.6 | 80 | |||||||||||
49.9 | ||||||||||||||
12 | 41.0 | 42.6 | 47.0 | 60 | ||||||||||
40.9 | 49.6 | 40.3 | ||||||||||||
10 | ||||||||||||||
8 | 5.25 | 6.00 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | |||||||
4.75 | ||||||||||||||
6 | 4.25 | 4.50 |
4
2 3.75 4.00 4.25 4.75 5.00 5.50 5.50 5.50 5.50 5.50
0
FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23
Earnings per share
(yen) | ||||
30 | 27.25 | |||
20.75 | 21.07 | 21.24 | 22.14 | 22.01 |
19.49 | ||||
20 | 17.71 |
16.03
10
11.11
0
FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 |
Unit | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | |
DPS (dividend per share) | Yen | 8.00 | 8.50 | 9.00 | 10.00 | 11.00 | 11.00 | 11.00 | 11.00 | 11.00 | 11.00 |
Interim | Yen | 3.75 | 4.00 | 4.25 | 4.75 | 5.00 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
Year end | Yen | 4.25 | 4.50 | 4.75 | 5.25 | 6.00 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
Payout ratio | % | 41.0 | 40.9 | 42.6 | 47.0 | 99.0 | 49.6 | 49.9 | 62.0 | 68.6 | 40.3 |
EPS (earnings per share) | Yen | 19.49 | 20.75 | 21.07 | 21.24 | 11.11 | 22.14 | 22.01 | 17.71 | 16.03 | 27.25 |
Diluted earnings per share | Yen | 19.46 | 20.71 | 21.04 | 21.20 | 11.09 | 22.11 | 22.00 | ― | ― | ― |
COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED. | 4 |
01 Consolidated
Other Information (Consolidated)
Stock price-related indicators
Notes: Stock prices include those in intraday trading.
Unit | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | |
Trends in share price | Highest | 617 | 661 | 504 | 452 | 383 | 364 | 315 | 264 | 286 | 331 |
Trends in share price | Lowest | 363 | 404 | 288 | 328 | 300 | 235 | 215 | 227 | 236 | 262 |
PBR (highest) | % | 4.34 | 4.27 | 3.03 | 2.54 | 2.15 | 1.94 | 1.59 | 1.28 | 1.34 | 1.43 |
% | |||||||||||
PBR (lowest) | 2.55 | 2.61 | 1.73 | 1.85 | 1.68 | 1.25 | 1.08 | 1.10 | 1.11 | 1.13 | |
PER (price-earnings ratio) | times | 30.41 | 23.12 | 17.26 | 15.95 | 29.43 | 12.60 | 11.49 | 13.49 | 16.52 | 17.96 |
Cash flow, capital expenditures
Unit | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | |
Net cash provided by operating activities | Million yen | 99,931 | 66,482 | 88,118 | 31,466 | 117,471 | 89,619 | 136,039 | 41,311 | 66,577 | 100,751 |
Net cash provided by investing activities | Million yen | 4,994 | (11,634) | (28,818) | (3,649) | (34,882) | (5,801) | (32,770) | (36,114) | (36,191) | (51,937) |
Net cash provided by financing activities | Million yen | (9,204) | (9,826) | (10,446) | (11,729) | (12,246) | (16,009) | (13,555) | (12,727) | (12,973) | (12,090) |
Capital expenditure | Million yen | 19,037 | 17,216 | 14,213 | 11,900 | 10,792 | 16,694 | 25,132 | 23,712 | 24,734 | 38,844 |
ATM (Japan) | Million yen | 10,698 | 8,885 | 4,052 | 1,673 | 1,986 | 3,556 | 9,228 | 7,898 | 6,450 | 12,644 |
Software (Japan) | Million yen | 7,122 | 7,550 | 8,756 | 9,863 | 7,589 | 11,567 | 14,023 | 9,918 | 12,115 | 17,369 |
Own capital and number of employees | |||||||||||
Unit | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | |
Net assets to total assets ratio | % | 19.7 | 20.1 | 20.7 | 20.6 | 18.6 | 20.3 | 19.4 | 19.8 | 19.0 | 15.7 |
Return on equity | % | 14.4 | 13.9 | 13.1 | 12.3 | 6.2 | 12.0 | 11.3 | 8.7 | 7.6 | 12.2 |
No. of employees | 576 | 619 | 634 | 654 | 657 | 713 | 809 | 911 | 1,016 | 1,301 | |
(excluding temporary workers) | |||||||||||
Ordinary income per employee | Million yen | 198 | 194 | 192 | 195 | 224 | 208 | 169 | 149 | 152 | 152 |
COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED. | 5 |
02
Seven Bank, Ltd.
02 Seven Bank, Ltd.
Trends in Income (Non-consolidated)
Ordinary income | Ordinary expenses | Ordinary profit | Net income | (Billion yen) | Depreciation and amortization | EBITDA | EBITDA margin | (%) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
(Billion yen) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
140 | 128.8 | 80 | 51.0 | 60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
113.1 | 116.6 | 119.5 | 120.2 | 111.6 | 120.5 | 50.5 | 49.9 | 49.7 | 49.2 | 48.7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
110.4 | 110.2 | 42.6 | 50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
105.6 | 39.3 | 40.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
99.7 | 58.6 | 37.0 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
58.0 | 58.9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
89.0 | 60 | 56.4 | 56.5 | 40 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
81.8 | 53.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
71.4 | 74.1 | 74.3 | 76.5 | 75.2 | 77.0 | 47.6 | 48.3 | 47.7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
67.3 | 43.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
70 | 40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
38.2 | 39.0 | 38.9 | 42.2 | 43.0 | 45.0 | 34.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
31.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
28.4 | 29.1 | 18.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
20 15.0 | 17.4 | 17.5 | 15.7 | 15.8 | 13.6 | 13.0 | 14.9 | 16.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
24.4 | 26.1 | 26.8 | 29.1 | 27.6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
14.5 | 15.8 | 18.1 | 19.5 | 19.3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
0 | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | ||||||||||||||||||||||||||||||||||||||||||||||||
Unit | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Ordinary income | Billion yen | 105.6 | 110.4 | 113.1 | 116.6 | 119.5 | 120.2 | 111.6 | 110.2 | 120.5 | 128.8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Ordinary expenses | Billion yen | 67.3 | 71.4 | 74.1 | 74.3 | 76.5 | 75.2 | 77.0 | 81.8 | 89.0 | 99.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Ordinary profit | Billion yen | 38.2 | 39.0 | 38.9 | 42.2 | 43.0 | 45.0 | 34.5 | 28.4 | 31.5 | 29.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Net income | Billion yen | 24.4 | 26.1 | 26.8 | 29.1 | 14.5 | 27.6 | 15.8 | 18.1 | 19.5 | 19.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Depreciation and amortization | Billion yen | 15.0 | 17.4 | 17.5 | 15.7 | 15.8 | 13.6 | 13.0 | 14.9 | 16.8 | 18.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
EBITDA | Billion yen | 53.3 | 56.4 | 56.5 | 58.0 | 58.9 | 58.6 | 47.6 | 43.3 | 48.3 | 47.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
EBITDA margin | % | 50.5 | 51.0 | 49.9 | 49.7 | 49.2 | 48.7 | 42.6 | 39.3 | 40.1 | 37.0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Note: 1. EBITDA = Ordinary profit + Depreciation and amortization 2. EBITDA margin = EBITDA / Ordinary income |
COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED. | 7 |
02 Seven Bank, Ltd.
Trends in No. of ATMs Installed and No. of Affiliated Financial Institutions
No. of ATMs installed
7&i Group | Outside 7&i Group |
(No. of ATMs)
25,215 | 25,676 | 26,253 | 26,913 27,422 | |||||||
24,392 25,152 | ||||||||||
25,000 | 23,368 | 2,628 | 3,041 | 3,606 | 3,977 | |||||
22,472 | 2,261 | 2,375 | 2,384 | |||||||
21,056 | 2,130 | |||||||||
2,057 | ||||||||||
20,000 | 1,721 | |||||||||
15,000 | ||||||||||
10,000 | 19,335 | 20,415 | 21,238 | 22,131 | 22,777 | 22,831 | 23,048 | 23,212 | 23,307 | 23,445 |
5,000 | ||||||||||
0 | ||||||||||
FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | |
No. of affiliated financial institutions
(companies) | Deposit-taking financial institutions total | Non-banks total | (yen) | ||
ATM-related fee income per transaction
800 | 133.6 | 132.9 | 132.9 | 140 | |
133.1 | 130.9 |
136.2 | 121.4 | 130 | |||||||||
600 | 66 | 70 | 75 | 91 | 96 | 105 | 125 | 163 | 120 | ||
64 | 99 | ||||||||||
110 | |||||||||||
400 | 108.8 | 108.3 | 109.3 | ||||||||
100 | |||||||||||
530 | 529 | 531 | 525 | 524 | 516 | 514 | 515 | 515 | 513 | 90 | |
200 | |||||||||||
80 | |||||||||||
0 | 70 | ||||||||||
FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | ||
Unit | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | |
Number of ATMs | Units | 21,056 | 22,472 | 23,368 | 24,392 | 25,152 | 25,215 | 25,676 | 26,253 | 26,913 | 27,422 |
7&i Group | Units | 19,335 | 20,415 | 21,238 | 22,131 | 22,777 | 22,831 | 23,048 | 23,212 | 23,307 | 23,445 |
Outside 7&i Group | Units | 1,721 | 2,057 | 2,130 | 2,261 | 2,375 | 2,384 | 2,628 | 3,041 | 3,606 | 3,977 |
No. of affiliated financial institutions | Companies | 594 | 595 | 601 | 600 | 615 | 612 | 613 | 620 | 640 | 676 |
Deposit-taking financial institutions total | Companies | 530 | 529 | 531 | 525 | 524 | 516 | 514 | 515 | 515 | 513 |
Banks | Banks | 122 | 123 | 124 | 124 | 124 | 123 | 122 | 123 | 123 | 123 |
Non-banks total | Companies | 64 | 66 | 70 | 75 | 91 | 96 | 99 | 105 | 125 | 163 |
Notes: 1. Seven Bank does not include the ATMs of affiliated financial institutions. 2. JA Bank and JF Marine Bank are counted as individual business lines.
3. In this report, securities, life insurance, credit card, consumer credit, consumer financing companies, and code payment companies are all referred to as "non-banks." | |
COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED. | 8 |
02 Seven Bank, Ltd.
ATM Usage
No. of transactions
(Million transactions)
114.4 112.3 112.6
Deposit-taking financial institutions total
111.1
107.8
Non-banks total | Daily average transactions per ATM | (Transactions/ATM/day) | |
130 |
105.0 |
800 | ||
600 | 57 | |
80 | 64 | |
400 |
59
100.9 98.8
70
62 64
95.5 | 94.1 | 96.5 | 101.5 | 110 | |||
92.3 | 92.1 | ||||||
90.5 | |||||||
278 | 316 | 90 | |||||
80 | 121 | 242 | |||||
71 | 75 | ||||||
177 | |||||||
509 | 545 | 597 |
200 | ||
0 |
638
673 679 712
724 | 739 | 749 | 727 | 667 | 701 | 722 |
659 |
FY9 | FY10 | FY11 | FY12 | FY13 | FY14 | FY15 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 |
Unit | FY9 | FY10 | FY11 FY12 | FY13 | FY14 | FY15 FY16 | FY17 | FY18 | FY19 FY20 | FY21 | FY22 FY23 | |||
Total no. of transactions | Million transactions | 590 | 609 | 655 | 698 | 736 | 743 | 782 | 796 | 815 | 829 | 849 | 836 | 910 | 980 | 1,039 |
Deposit-taking financial | ||||||||||||||||
Million transactions | 509 | 545 | 597 | 638 | 673 | 679 | 712 | 724 | 739 | 749 | 727 | 659 | 667 | 701 | 722 | |
institutions total | ||||||||||||||||
Non-banks total | Million transactions | 80 | 64 | 57 | 59 | 62 | 64 | 70 | 71 | 75 | 80 | 121 | 177 | 242 | 278 | 316 |
Daily average transactions | Transactions/ATM/Day | 114.4 | 112.3 | 112.6 | 111.1 | 107.8 | 100.9 | 98.8 | 95.5 | 94.1 | 92.3 | 92.1 | 90.5 | 96.5 | 101.5 | 105.0 |
per ATM | ||||||||||||||||
ATM-related fee income | Yen/Transaction | 147.9 | 135.3 | 131.3 | 130.3 | 131.2 | 136.2 | 133.6 | 133.1 | 132.9 | 132.9 | 130.9 | 121.4 | 108.8 | 108.3 | 109.3 |
per transaction | ||||||||||||||||
Note: 1. Total number of transactions and daily average transactions per ATM do not include balance inquiries, e-money charges, PIN changes, withdrawal limit changes, or other operations. |
- 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])
- In this report, securities, life insurance, credit card, consumer credit, consumer financing companies, and code payment companies are all referred to as "non-banks."
COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED. | 9 |
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Disclaimer
Seven Bank Ltd. published this content on 17 May 2024 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 17 May 2024 09:04:01 UTC.