Shizuoka Bank : Financial Results for the 1Q of FY2017

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 productivity improvement

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Region-based Relationship Banking

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Results of 1Q FY2017

Results of FY2016 -Consolidated and Nonconsolidated

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Results of 1Q FY2017 -Nonconsolidated

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Results of 1Q FY2017 -Consolidated

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Results Highlights -Gross operating profit

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Loans (1)

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Loans (2)

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Consumer loan

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Developing and monetizing new business fields(1)

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Developing and monetizing new business fields(2)

-Cross-industry collaboration

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Securities

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Deposits

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Internet branch

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Customer assets and fee incomes

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Credit-related costs

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Risk-management loans

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Expenses

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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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Projected performance in FY2017

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Reference

Loans - Term-end balance

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Loans - Loans by industries

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Allocation of risk capital

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Group companies

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Shizugin TM Securities Co., Ltd.

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Strategic shareholdings

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Global network

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ESG initiatives -Corporate Governance Structure

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Regional revitalization

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Region-based Relationship Banking

- Initiatives for growth fields, Support for companies

transforming businesses

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36

Overview of the 13th Medium-term Business Plan (1)

-Name of the plan/ Group vision, Key management Indicator

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Overview of the 13th Medium-term Business Plan (2)

-Basic strategy

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Overview of the 13th Medium-term Business Plan (3)

-Structural reforms

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Overview of the 13th Medium-term Business Plan (4)

-Structure of consolidated ordinary profit plan

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Overview of the 13th Medium-term Business Plan (5)

-Target figures

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41

Prefectural GDP (FY2014, Nominal)

Rank

Prefecture/Region

(US$ billions)

9

Fukuoka Prefecture

164.8

10

Shizuoka Prefecture

140.5

11

Ibaraki Prefecture

105.6

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4 prefectures in

Shikoku

125.5

-

3 prefectures in Hokuriku

110.7

GDP comparison with countries (2014)

Rank

Country (Region)

(US$ billions)

56

Vietnam

185.8

57

Bangladesh

184.0

58

Kuwait

162.7

-

Shizuoka Prefecture

140.5

60

Hungary

139.3

61

Ukraine

132.3

Share of all-Japan National ranking

Population

3.69 m

2.9%

10th of 47 (2016)

No. of households

1.56 m

2.7%

10th of 47 (2017)

Nominal prefectural GDP

JPY 15.4 tn

3.0%

10th of 47 (FY2014)

Per-capita income

JPY 3.22m

―

3rd of 47 (FY2014)

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 220.4 bn

2.5%

15th of 47 (2015)

Fishery production volume(*)

170k tons

5.3%

4th of 47 (2016)

No. of industrial locations(*)

74

7.2%

1st of 47 (2016)

No. of new housing starts

250K

2.6%

10th of 47 (2016)