Shizuoka Bank : Financial Results for the 3Q of FY2015(February, 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

●Loans

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●Deposits

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●Profit levels and improvement of productivity

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●Region-based Relationship Banking

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Results of 3Q FY2015

●Results of 1H FY2015

- Consolidated and Nonconsolidated

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●Results of 3Q FY2015

- Consolidated and Nonconsolidated

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8

●Net interest income and loan rate

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●Loan rates for Retail Banking

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●Loans (average balance)

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11

●Loans excluding government related loans (average balance)

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12

●Initiatives for Corporate Banking

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13

●Initiatives for Retail Banking

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●Deposits

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15

●Customer assets and fee incomes

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●Shizugin TM Securities Co., Ltd.

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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

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●Shareholder return

- 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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●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 FY2015

●Projected performance in FY2015

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Reference

●Overview of the 12th Medium-term Business Plan

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●Loans (term-end balance)

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●Loans - Loans by industries

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●Global network

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●Improvement of productivity - BPR

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●Allocation of risk capital

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●Group companies

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●Initiatives for Regional revitalization

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●Corporate Governance Structure

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●Strategic shareholdings

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38

Share of all-Japan National ranking

Population

3.71 m

2.9%

10th of 47 (2014)

No. of households

1.53 m

2.7%

10th of 47 (2015)

Nominal prefectural GDP

JPY 15.5 tn

3.1%

10th of 47 (FY2012)

Per-capita income

JPY 3.195 m

-

3rd of 47 (FY2012)

No. of business establishments

180 K

3.1%

10th of 47 (2014)

Amount of shipments of manufactured goods, etc.*

JPY 15.8 tn

5.3%

3rd of 47 (2014)

Agricultural output

JPY 215.4 bn

2.6%

15th of 47 (2014)

Fishery production volume

200 k tons

5.3%

4th of 47 (2014)

No. of industrial locations

117

4.7%

4th of 47 (2014)

No. of new housing starts

26 k

2.8%

11th of 47 (2014)

Prefectural GDP (2012, Nominal)

Rank

Prefecture/Region

(US$ billions)

9

Fukuoka Prefecture

215.6

10

Shizuoka Prefecture

186.4

11

Ibaraki Prefecture

140.1

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4 prefectures of Shikoku

162.2

-

3 prefectures of Hokuriku

143.3

GDP comparison with countries (2012)

Rank

Country (Region)

(US$ billions)

51

Kazakhstan

203.5

52

Peru

192.7

53

Qatar

190.2

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Shizuoka Prefecture

186.4

54

Ukraine

175.7

55

Kuwait

174.0