Shizuoka Bank : Financial Results for the 1Q of FY2016(August, 2016)

Shizuoka Prefecture - Our Operational Foundation

●Economic scale of Shizuoka Prefecture

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●Economy in Shizuoka Prefecture and current state

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Distinguishing feature of Shizuoka Bank

●Historical data of loans

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●Historical data of deposits

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●Profit levels and improvement of productivity

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●Region-based Relationship Banking

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●Initiatives for Regional revitalization

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Results of 1Q FY2016

●Results of FY2015 -Consolidated and Nonconsolidated

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●Results of 1Q FY2016 -Consolidated and Nonconsolidated

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●Net interest income and loan rate

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●Loan rates for Retail Banking

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11

●Loans ① -Average balance

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●Loans ② (Excluding government-related loans)

-Average balance

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13

●Initiatives for Corporate Banking

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14

●Initiatives for Retail Banking

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●Deposits

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●Internet branch

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●Customer assets and fee incomes

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●Securities

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●Credit-related costs

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●Risk-management loans

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●Expenses and Strategic investments

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●Capital adequacy ratio

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●Shareholder return ① -Profit distribution

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●Shareholder return ② -Share buybacks, Trends in EPS/BPS

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Progress in the 12th Medium-term Business Plan

●Progress in the 12th Medium-term Business Plan

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●Initiatives in New business field

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●New business development with different types

of business companies

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●Direction of the new business development

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Projected performance in FY2016

●Projected performance in FY2016

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30

Reference

●Overview of the 12th Medium-term Business Plan

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●Loans ③ -Term-end balance

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●Loans ④ -Loans by industries

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●Global network

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●Improvement of productivity -BPR

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35

●Allocation of risk capital

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36

●Group companies

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●Shizugin TM Securities Co., Ltd.

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●Corporate Governance Structure

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●Strategic shareholdings

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40

Share of all-Japan National ranking

Population*

3.70 m

2.9%

10th of 47 (2015)

No. of households*

1.43 m

2.7%

10th of 47 (2015)

Nominal prefectural GDP

JPY 15.9 tn

3.1%

10th of 47 (FY2013)

Per-capita income

JPY 3.326 m

-

3rd of 47 (FY2013)

No. of business

establishments

180 k

3.1%

10th of 47 (2014)

Amount of shipments of manufactured goods, etc.

JPY 15.7 tn

5.3%

4th of 47 (2014)

Agricultural output

JPY 215.4 bn

2.6%

15th of 47 (2014)

Fishery production volume

210 k tons

5.9%

4th of 47 (2015)

No. of industrial locations*

55

5.1%

4th of 47 (2015)

No. of new housing starts

24 k

2.6%

10th of 47 (2015)

Prefectural GDP (FY2013, Nominal)

Rank

Prefecture/Region

(US$ billions)

9

Fukuoka Prefecture

181.5

10

Shizuoka Prefecture

158.4

11

Ibaraki Prefecture

114.8

-

4 prefectures in Shikoku

135.9

-

3 prefectures in Hokuriku

120.0

GDP comparison with countries (2013)

Rank

Country (Region)

(US$ billions)

57

Kuwait

175.8

58

Vietnam

170.6

59

Bangladesh

161.3

-

Shizuoka Prefecture

158.4

60

Hungary

134.4

61

Angola

124.9