Shizuoka Bank : Financial Results for the 3Q of FY2016(February, 2017)

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 3Q FY2016

●Results of 3Q FY2016 -Nonconsolidated

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●Results of 3Q FY2016 -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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●Customer Loan

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●Securities

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●Challenge on the new business field

in the 12th Medium-term Business Plan ①

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●Challenge on the new business field

in the 12th Medium-term Business Plan ②

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●Internet branch

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●Deposits

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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 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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●Business projects with companies in other sectors

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●Projected performance in FY2016

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●Target of the 13th Medium-term Business Plan

which starts in FY2017

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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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●Region-based Relationship Banking

-Initiatives for growth fields,

Support for companies transforming businesses

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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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●Shizugin TM Securities Co., Ltd.

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●ESG initiatives ①

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●ESG initiatives ②

- Corporate Governance Structure

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●Strategic shareholdings

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Share of all-Japan National ranking

Population

3.70 m

2.9%

10th of 47 (2015)

No. of households

1.54 m

2.7%

10th of 47 (2016)

Nominal prefectural GDP

JPY 15.9 tn

3.1%

10th of 47 (FY2013)

Per-capita income

JPY 3.326m

-

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 220.4 bn

2.5%

15th of 47 (2015)

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

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4 prefectures in

Shikoku

135.9

-

3 prefectures in Hokuriku

120.0

GDP comparison with countries (2013)

Rank

Country (Region)

(US$ billions)

57

Kuwait

174.2

58

Vietnam

170.6

59

Bangladesh

161.3

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Shizuoka Prefecture

158.4

60

Hungary

134.4

61

Angola

124.9