セブン銀行（8410） – Financial Results for The Fiscal Year Ended March 31, 2022

Financial Resultsfor Fiscal Year Ended March 31, 2022Today’s Agenda 01 Financial Results for Fiscal Year Ended March 31, 202202 Progress in Medium-Term Management Plan03 Financial Results Forecast for Fiscal Year Ending March 31, 202304 APPENDIX01 Financial Results for Fiscal Year Ended March 31, 202201 Financial Results for Fiscal Year Ended March 31, 2022Financial Results Highlight for Fiscal Year Ended March 31, 2022 [Consolidated][Vs. FY2020] Lower profit on lower income.[Vs. plan] Ordinary income and ordinary profit fell slightly short of the plan.FY2021 ResultsFY2020 ResultsVs. FY2020Vs. planOrdinary income¥136.6 billion¥137.2 billion(0.4%)(0.7%)Ordinary expenses¥108.4 billion¥101.6 billion+6.6% (0.7%)Ordinary profit¥28.2 billion¥35.6 billion(20.7%)(0.3%)Net income attributable to owners of the parent¥20.8 billion¥25.9 billion(19.6%)+5.5%EBITDA¥44.6 billion¥49.7 billion(10.2%)-COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.Notes: 1. Amounts less than one hundred million yen have been truncated.2. Comparisons with the previous year and plan are based on the units used in these materials.3. Exchange rates used in the consolidated income statement: FY20 $1 = ¥106.76, FY21 plan $1 = ¥108.00, FY21 $1 = ¥109.904. All EBITDA in this material are Ordinary profit + Depreciation and amortization.301 Financial Results for Fiscal Year Ended March 31, 2022Trend in Fiscal Year Performance [Consolidated][Ordinary income] While fee income per transaction declined due to the impact of the introduction of the new ATM-related fee income system, income came to a level similar to the previous fiscal year as the number of ATM transactions increased.[Ordinary profit] (To be explained in the next slide.)Ordinary incomeOrdinary expensesOrdinary profitNet income attributable to owners of the parentEBITDA1,485 148.51,372 137.2136.61,366 1,087 108.7108.41,084 1,016 101.639.839835.635626.126125.925920.820854.454449.749744.6446(Billion yen)28.2282FY19FY20FY21FY19FY20FY21FY19FY20FY21FY19FY20FY21FY19FY20FY21COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.401 Financial Results for Fiscal Year Ended March 31, 2022Year-on-Year Change in Ordinary Profit (Approximation) [Consolidated]■ Ordinary profit declined approx. ¥7.4 billion due to an increase in costs resulting mainly from the impact of the introduction of the new ATM-related fee income system and investment for growth.(Billion yen)Strategic moves for growthIntroduction of the new ATM-related fee income systemIncrease in the number of ATM transactions and the number of ATMs35.6+1.8+0.3Increase in the number of ATM transactionsIncrease in ordinary income for financial services, etc.(4.5)Investment for growth, cost increase(upgrade to the fourth-generation ATMs, etc.)Creation of new valuesDifference between consolidated and non-consolidated ordinary profit(1.2)A new business by subsidiaries28.2(3.8)COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.501 Financial Results for Fiscal Year Ended March 31, 2022Financial Results Highlight for Fiscal Year Ended March 31, 2022 [Seven Bank]■ (Explanation regarding ordinary income and ordinary profit is the same as that for the consolidated result.)■ Net income increased in a reaction to reversals of deferred tax assets in March 2021.FY2021 ResultsFY2020 ResultsVs. FY2020Vs. planOrdinary income¥110.2 billion¥111.6 billion(1.2%)(0.6%)Ordinary expenses¥81.8 billion¥77.0 billion+6.2% (2.1%)Ordinary profit¥28.4 billion¥34.5 billion(17.6%)+4.0%Net income¥18.1 billion¥15.8 billion+14.5% (4.2%)EBITDA¥43.3 billion¥47.6 billion(9.0%)+0.4%COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.601 Financial Results for Fiscal Year Ended March 31, 2022Results of Main Operating Companies [Non-consolidated, Before Consolidation Adjustment]Subsidiaries in JapanOverseas subsidiariesBank Business Factory Co., Ltd.Seven Payment ServiceFCTI[Contract-based back-office support][Money transfer, settlement][ATM operation in the U.S.][ATM operation in Indonesia](Million yen)ATMiOrdinary income(Changes from FY20)Ordinary profit(Changes from FY20)Net income(Changes from FY20)2,423(+398)39(-182)27(-117)447(+78)108(+86)89(+73)22,675(-1,559)1,805(-638)3,946(+1,319)1,524(+1,095)333(+204)301(+187)Lower profit on higher incomeIncome increased as orders expanded.Profit declined due to upfront investment for business expansionHigher profit on higher incomeATM cash receipt service, etc. expanded steadilyLower profit on lower income*Improved profitability by removing low margin ATMsNet income increased thanks to recording of deferred tax assets.Higher profit on higher incomeInstallation of ATMs increased significantlyNote: Exchange rate: FY ended Dec. 2020 IDR 100 = ¥0.735, FY ended Dec. 2021 IDR 100 = ¥0.768*The changes in profits denote those of ordinary profit.COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.701 Financial Results for Fiscal Year Ended March 31, 2022Financial Position [Consolidated]Balance Sheet (as of March 31, 2022)(Billion yen)DividendsCash and due from banks(for ATMs, etc.)Deposits(Individual deposits: 550.7)9,314 931.4790.67,906 6.005.505.505.50Payout ratio (%)99.049.649.962.047.05.2542.64.75Year-end4.25Interim4.755.005.505.505.50FY16FY17FY18FY19FY20FY21SecuritiesATM-related temporary paymentsOther89.9900 84.4844 115.91,158 BondsATM-related temporary advances OtherTotal net assets105.01,050 492 49.2327 32.72,441 244.1Assets: 1,221.6Liabilities + Net assets: 1,221.6COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.Consolidated capital ratio (Domestic standard) 47.31% (preliminary figure)Credit rating (long-term)S&P AR&I AA-802 Progress in Medium-Term Management Plan02 Progress in Medium-Term Management PlanOverview of Medium-Term Management Plan (FY2021-FY2025)[Repost of the Medium-Term Management Plan materials]We give concrete shape to the second phase of growth with focus on “growth strategy,” “contributions to solving social issues,” and “corporate transformation.”Growth StrategyCoreATM Platform StrategyEvolve from cash platform to ATM+Expand growth fields that come after ATMs by leveraging our strengths (business diversification)Domestic businessGrowthRetail strategyCorporate strategyOverseas businessOverseas strategyContribution to solving social issuesCorporate transformationReview basic policy and structure of sustainability promotionReform into an organization where independent human resources Further develop initiatives for the five materialitiesCooperation with the group and external contractors for solving can take an active partInnovation of business model and process with focus on data utilization and efficiency improvementenvironmental issuesCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.10ATM Usage(Million transactions)1000900Total number of transactions for 800non-banks, etc.(Million 700transactions)94.181575600500400300200100002Growth Strategy (ATM Platform Strategy 1)Progress in Medium-Term Management Plan■ The total number of transactions exceeded 900 million a year.■ Exceeded 26,000 units. The number of units outside the 7&i Number of ATMs at end of periodGroup also exceeded 3,000 units.Daily average transactions per ATM(Transactions/day/ATM)92.38298092.184912190.583617796.591024297.730,000100Number of ATMs outside the 7&i Group24,3922,261 25,1522,375 25,2152,384 25,6762,628 26,2533,041 73974972765966794822,131 22,777 22,831 23,048 23,212 26,953 Total number of transactions for deposit-taking financial institutions (Million transactions)Number of ATMs in the 7&i GroupFY17FY18FY19FY20FY21FY17FY18FY19FY20FY21FY22PlanCurrent fiscal yearFY22PlanCurrent fiscal yearNotes: 1. The total number of ATM transactions and daily average transactions per ATM do not include balance inquiries, e-money charges, PIN changes, withdrawal limit changes, or other operations.2. In this report, securities, life insurance, credit card, consumer credit, consumer financing companies, and code payment companies are all referred to as “non-banks, etc.”3. ATM-related fee income per transaction: ¥108.8 for FY21 *ATM-related fee income per transaction = ATM-related fee income / (Total of transactions – Total of transactions without ATM-related fee income [i.e. sales proceeds deposits])COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.11908070605040302010025,00020,00015,00010,0005,000002 Progress in Medium-Term Management PlanGrowth Strategy (ATM Platform Strategy 2)Expand joint ATM operation with financial institutions■ Expanded joint ATM operation with Fukui bankNew!■ Began joint operation of ATMs with Toho Bank at York-Benimaru outlets in Fukushima Prefecture (from October 2021)We plan to gradually switch about 70ATMs of the bank installed outside branches to joint operation from FY2022.We have replaced 32 units as of the end of March 2022 and are continuing to replace them.(Plan to expand to 77 units)Go beyond customers’ wishes and create a better version of daily life.Seven Bank ATMs anytime anywhere to increase furtherCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.1202 Progress in Medium-Term Management PlanGrowth Strategy (ATM Platform Strategy 3)Strengthen promotion of ATM use■ The second campaign promoting use for banks■ Introduction video for recharging in cash (SNS ad)The number of participating banks increased by 10 compared with the last time* (70 to 80)*Carried out from July to September 2021Since March 2022: The YouTube video has been played 7.27 million times**As of April 15, 2022Go beyond customers’ wishes and create a better version of daily life.Expand use of Seven Bank ATMs that are near and convenient.COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.13Expand installation of fourth generation ATMs. Completed replacement of about 40%, or 10,000 ATMs.30,000Debuted in September 2019.Currently being replaced in the Kanto regionFourth generation ATMsVarious functions that realize digitization have been implemented.1) Face recognition function02 Progress in Medium-Term Management PlanGrowth Strategy (ATM Platform Strategy 4)(No. of ATMs)25,0001,150 6,020 10,178 24,065 19,656 16,075 Third generation ATMs2) QR code* and IC card reader3) Dissemination of information to smartphones20,00015,00010,0005,0000FY19FY20FY21COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.* QR Code is a registered trademark of Denso Wave Incorporated.1402 Progress in Medium-Term Management PlanGrowth Strategy (ATM Platform Strategy 5)Expand the world of ATM+ (plus).Deposit and withdrawal using face authentication without a cardVarious proceduresRegular confirmation of transaction details, etc.ATM accepts procedures done at countersiAnticpated use■ “Easy and convenient” also for non-smartphone users. Full-scale start of expansion of both financial and non-financial services.BankFirst stage: Advance release within FY2022.ATM with face authentication featureAdministrationNote: Some transactions are also available on the third-generation ATMs.Individual Number Card-related transactions[Being implemented. To be expanded further.]Tax paymentReceipt of paymentsand moreNon-financial businessesCheck-in at hotelsIn demonstration experimentTo streamline bank branches= Expand replacement of installed ATMsReader for QR code, IC card, etc.Application for membership for used goods tradingand moreGo beyond customers’ wishes and create a better version of daily life.Expand safe and secure service scope of ATMsCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.1502 Progress in Medium-Term Management PlanGrowth Strategy (ATM Platform Strategy 6)Expand initiatives with local administrations (municipalities): The first project is Kakogawa, Hyogo Prefecture (1H of FY2022)■ Develop instant receipt service for subsidies using ATM: Plan to implement demonstration with an eye on expansion to other municipalitiesRegistration and notification of those who are eligible for subsidies (municipality)Receipt procedure (user)Review, finalization of paymentPayment noticeSelection of receipt methodIdentity verificationConfirmation of how to receive the payment using ATMReceipt of cash at Seven Bank ATMUpload the data of the recipient to the receipt system server.Notify the URL of the receipt webpage to the recipient.Verify identification on the receipt webpage using xID linked to Individual Number Card.Confirm receiving method at Seven Bank ATM.Receive cash by displaying serial code.Code is displayedSerial codeCollaboration with xID Co., Ltd. (cross id), selected by Seven Bank’s accelerator program.Note: The operation flow may be different from the actual flow.COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.1602 Progress in Medium-Term Management PlanOverview of Medium-Term Management Plan (FY2021-FY2025)[Repost of the Medium-Term Management Plan materials]We give concrete shape to the second phase of growth with focus on “growth strategy,” “contributions to solving social issues,” and “corporate transformation.”Growth StrategyCoreATM Platform StrategyEvolve from cash platform to ATM+Expand growth fields that come after ATMs by leveraging our strengths (business diversification)Domestic businessGrowthRetail strategyCorporate strategyOverseas businessOverseas strategyContribution to solving social issuesCorporate transformationReview basic policy and structure of sustainability promotionReform into an organization where independent human resources Further develop initiatives for the five materialitiesCooperation with the group and external contractors for solving can take an active partInnovation of business model and process with focus on data utilization and efficiency improvementenvironmental issuesCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.17Trend in Number of Accounts and Balance of Deposits (Individual)■ Both number of accounts and balance of deposits increased stronglySeven Bank Post Payment Service(Service began in September 2021)02 Progress in Medium-Term Management PlanGrowth Strategy (Retail Strategy 1)7,000Number of accounts (1,000 accounts)1,690 1,827 3,9684,0951,516 1,412 2,179 2,001 4,5861,340 4,3461,404 6,0005,0004,000Balance of time deposits(Billion yen)3,0002,0001,00002,452 2,682 2,942 3,245 Balance of ordinary deposits (Billion yen)FY16FY17FY18FY19FY20FY21FY22PlanCurrent fiscal year2,712 2,528 5,5071,277 2,364 5,1901,357 3,832 4,230 Offering of servicesMember store agreementCustomersExternal service providersOffering of post payment serviceFY2021 transactions in value5,901 ¥21.0 billion3000.02900.02800.02700.02600.02500.02400.02300.02200.02100.02000.01900.01800.01700.01600.01500.01400.01300.01200.01100.01000.0900.0800.0700.0600.0500.0400.0300.0200.0100.00.0-100.0-200.0-300.0-400.0-500.0-600.0-700.0-800.0-900.0-1000.0FY2021 transactions in terms of volume1.695 million transactionsCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.1802 Progress in Medium-Term Management PlanGrowth Strategy (Retail Strategy 2)Personal loan servicesInternational money transfer servicesDebit services■ Improved product attractiveness ■ Number of users declined due to ■ Transactions increased along with significantly: +15%restrictions on entering the country: – 9%advance of cashless transactions: + 6%Note: Including services offered by Credd FinanceNote: Including services offered by Seven Global Remit, Ltd.Balance at end of period (Billion yen)Number of transactions (Thousands of transactions)Number of transactions (Thousands of transactions)31.231228.02801,227 24.32431,105 1,064 17,447 18,668 350300250200150100FY20FY21FY20FY21FY20FY21FY22PlanFY22PlanCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.22,776 FY22Plan1902 Progress in Medium-Term Management PlanGrowth Strategy (Retail Strategy 3)To start financial instrument brokerage service through My Seven Bank app.Name of serviceShopping Investment “Korekabu”UI imageTargetMy Seven Bank app usersProducts offeredTrading and accumulation trading of Japanese and U.S. stocks, etc. (about 300 issues)Main features- Shopping-like investment linked to familiar products.- Trading can be as small as a share for several hundreds of yen.- It can be started conveniently and completed within the app.PartnerSmartplus Ltd. (securities company)Timing of offeringIn 1H of FY2022< Reference >Trend of My Seven Bank app<>1.51 million620,000Mar. 31 2021Mar. 31 2022Go beyond customers’ wishes and create a better version of daily life.Expand offering of financial services that are familiar and easy to use.COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.2002 Progress in Medium-Term Management PlanOverview of Medium-Term Management Plan (FY2021-FY2025)[Repost of the Medium-Term Management Plan materials]We give concrete shape to the second phase of growth with focus on “growth strategy,” “contributions to solving social issues,” and “corporate transformation.”Growth StrategyCoreATM Platform BusinessEvolve from cash platform to ATM+Expand growth fields that come after ATMs by leveraging our strengths (business diversification)Domestic businessGrowthRetail strategyCorporate strategyOverseas businessOverseas strategyContribution to solving social issuesCorporate transformationReview basic policy and structure of sustainability promotionReform into an organization where independent human resources Further develop initiatives for the five materialitiesCooperation with the group and external contractors for solving can take an active partInnovation of business model and process with focus on data utilization and efficiency improvementenvironmental issuesCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.2102 Progress in Medium-Term Management PlanGrowth Strategy (Corporate Strategy 1)B to B: ATM cash receipt service■ The number of client companies exceeded 500. ■ Procedure is easy. Notification via post has been added.Applications also expanded.Step 1. Receipt information arrives.RefundCampaign prize moneyGratuity, money giftPayment of transportation and other expensesAdvance wages, compensationChanges in the number of client companies570emailSMSPost New!423Step 2. Receipt at ATM.✓ No need of an account.Enter the number and receive cash.✓ Electronic money can be also reloaded.Mar. 31 2020Mar. 31 2021Mar. 31 2022Go beyond customers’ wishes and create a better version of daily life.“Easy money transfer and anytime receipt” in various scenes.COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.2260055050045040035030025020015010027602 Progress in Medium-Term Management PlanGrowth Strategy (Corporate Strategy 2)Changes in the number of client companies293223403020100B to B to X: Progress in platform business (contract-based service business)■ The number of client companies exceeded 30.Expand the scope of contract-based back-office operations related to money laundering, mortgage, etc.■ Strengthen support of counter measures for money laundering by banks, etc. in response to the FATF report* published in August 2021.The new service INFO-nity has been adopted by 12 companies including regional banks, credit unions, etc.ScoringOffer system and operation support together to prevent financial crimes.Acquisition of customer informationRisk assessmentIdentity verificationMar. 31 2020Mar. 31 2021Mar. 31 2022*The Fourth Round Mutual Evaluation Report on Japan by the Financial Action Task Force (FATF).Go beyond customers’ wishes and create a better version of daily life.We support streamlining and improving customer convenience at financial institutionsCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.2302 Progress in Medium-Term Management PlanOverview of Medium-Term Management Plan (FY2021-FY2025)[Repost of the Medium-Term Management Plan materials]We give concrete shape to the second phase of growth with focus on “growth strategy,” “contributions to solving social issues,” and “corporate transformation.”Growth StrategyCoreATM Platform BusinessEvolve from cash platform to ATM+Expand growth fields that come after ATMs by leveraging our strengths (business diversification)Domestic businessGrowthRetail strategyCorporate strategyOverseas businessOverseas strategyContribution to solving social issuesCorporate transformationReview basic policy and structure of sustainability promotionReform into an organization where independent human resources Further develop initiatives for the five materialitiesCooperation with the group and external contractors for solving can take an active partInnovation of business model and process with focus on data utilization and efficiency improvementenvironmental issuesCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.2402 Progress in Medium-Term Management PlanGrowth Strategy (Overseas Strategy 1)■ Daily average transactions per ATM is on a declining trend affected by the prolonged coronavirus infection.53.154.262.355.758.757.956.050.72,2792,169915815810355339316Daily average transactions per ATM at SEI(Transactions/day/ATM)8,4808,4948,5708,5538,6228,6518,7028,688U.S.16,00014,00012,000Number of ATMs 10,000installed at locations other than SEI stores at the end of the term8,0006,000Number of ATMs installed at SEI stores at the end of the term4,0002,00006050403020100FY201Q2Q3Q4Q2Q3Q4QFY211QNotes:1. Total number of transactions for U.S. ATMs includes balance inquiries.2. 1Q (January-March), 2Q (April-June), 3Q (July-September), 4Q (October-December)COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.● 8,684 units as of end of March 2022 *Completed removing ATMs outside SEI outlets=> 8,818 units in the plan for fiscal year ending December 2022 (the number of units as of the end of the period)25PhilippinesTrend in FY2021Daily average transactions per ATM(Transactions/day/ATM)112.697.471.271.469.465.781.875.702 Progress in Medium-Term Management PlanGrowth Strategy (Overseas Strategy 2)Indonesia87.183.182.381.375.172.5Daily average transactions per ATM(Transactions/day/ATM)67.263.22,551 240020001600120080040001201008060402001,764 1,399 1,059 730 No. of ATMs installed at end of term (units)30.813.1131 11 275 366 1,249 1,010 853 500 571 678 No. of ATMs installed at month-end (units)350438 267FY201QFY211Q2Q3Q4Q2Q3Q4QFeb.Mar.MayJun.Jul.Aug.Sep.Oct.Nov.Dec.Notes:1. Total number of transactions for ATMs in Indonesia includes balance inquiries.2. 1Q (January-March), 2Q (April-June), 3Q (July-September), 4Q (October-December)Note: Total number of transactions for ATMs in the Philippines includes balance inquiries and excludes deposit of sales proceeds.⚫ 3,285 units as of the end of March 2022=> 5,500 units in the plan for fiscal year ending December 2022 (the number of units as of the end of the period)⚫ 1,497 units as of the end of March 2022=> 3,050 units in the plan for fiscal year ending December 2022 (the number of units as of the end of the period)COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.2648.5204 Apr.02 Progress in Medium-Term Management PlanOverview of Medium-Term Management Plan (FY2021-FY2025)[Repost of the Medium-Term Management Plan materials]We give concrete shape to the second phase of growth with focus on “growth strategy,” “contributions to solving social issues,” and “corporate transformation.”Growth StrategyCoreATM Platform BusinessEvolve from cash platform to ATM+Expand growth fields that come after ATMs by leveraging our strengths (business diversification)Domestic businessGrowthRetail strategyCorporate strategyOverseas businessOverseas strategyContribution to solving social issuesCorporate transformationReview basic policy and structure of sustainability promotionReform into an organization where independent human resources Further develop initiatives for the five materialitiesCooperation with the group and external contractors for solving can take an active partInnovation of business model and process with focus on data utilization and efficiency improvementenvironmental issuesCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.2702 Progress in Medium-Term Management PlanContribution to Solving Social IssuesPromote the five materiality issues as company-wide initiativesFive materiality issuesMajor progresses (topics)1. Offering of safe and secure settlement infrastructure☑ The number of Seven Bank Group ATMs has expanded to about 40,000 units worldwidePhoto of ATMs of FCTI (U.S.)2. Creation of lifestyle through new financial services3. Creation of a society where everyone can be active4. Reduction of environmental burden5. Realization of multicultural symbiosis☑ Began accepting donations via ATMs (see the next slide for details)☑ Support TCFD recommendations.☑ The new data center utilizes renewable energy.Towards zero CO2 emissions (a 2050 goal)☑ Expand Sendy, the international money transfer service using smartphone app, to three countries(Vietnam, Indonesia, and Philippines)COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.2802 Progress in Medium-Term Management PlanContribution to Solving Social IssuesStart accepting donations using ATMs (July 2021)Available only at ATMs installed in 7-Eleven storesThe initial screen of the ATMScreen for selecting donations (as of the end of April 2022)Third generation ATMsFourth generation ATMsCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.[Donations collected using ATMs in the past]- Donation to emergency support for heavy rain damage- Donation for Radio Charity MusicthonInstallation of audible traffic signals that would enable the visually impaired to live with a sense of security2903 Financial Results Forecast for Fiscal Year Ending March 31, 202303SummaryFinancial Results Forecast for Fiscal Year Ending March 31, 2023Key points of fiscal year ending March 31, 2023 (FY2022)In the second year of Medium-Term Management Plan, we aim to reverse the recent trend and expand income.Ordinary profit is expected to be roughly unchanged while ordinary expenses are likely to increase reflecting increased expenses on business expansion.Environmental recognitionMeasures✓ Spread of a new normal amid COVID-19 ✓ Further advancement of shift to cashless pandemictransactions.✓ Acceleration of rationalization and digitization of financial institutions, administration, etc.✓ Rising interest rates led by the U.S.➢ Further expand the number of ATMs installed and strengthen measures to promote the use.➢ Expand services utilizing fourth-generation ATMs such as authentication.However, there will be upfront expenditure this year.➢ Accelerate the implementation of the retail and corporate strategies.➢ In the overseas business, improve capital efficiency while expanding the number of ATMs installed, primarily in Asia.Dividend forecast for the fiscal year ending March 31, 2023➢ ¥11.00 for full year, unchanged from the previous fiscal year, by leveraging the solid business model and firm financial foundationCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.3103Consolidated Financial Results Forecast for Fiscal Year Ending March 31, 2023Financial Results Forecast for Fiscal Year Ending March 31, 2023FY2022 PlanFY2021 ResultsComparisonOrdinary income¥149.0 billion¥136.6 billion+9.0%Ordinary expenses¥121.0 billion¥108.4 billion+11.6%Ordinary profit¥28.0 billion¥28.2 billionNet income attributable to owners of the parent¥19.5 billion¥20.8 billionEBITDA¥48.0 billion¥44.6 billion(0.7%)(6.2%)+7.6%Note: Exchange rates used in the consolidated income statement: FY2021 $1 = ¥109.90, FY2022 plan $1 = ¥114.00COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.3204 APPENDIX04 APPENDIXStatement of Income (Billion yen)FY2022_planOrdinary incomeOrdinary expensesOrdinary profitExtraordinary income and lossesNet income attributable to owners of the parentFY2020FY2021PlanChanges from FY2020Full yearChanges from FY20201HChanges from FY2020 1H137.2101.635.6137.6109.228.3136.6(0.6)149.0108.46.8121.028.2(7.4)28.000(1.1)(1.1)012.412.6(0.2)1.172.559.013.505.16.7(1.5)(0.2)25.919.720.8(5.1)19.5(1.3)9.5(1.3)(Reference) Equity in net earnings of affiliated companies:¥(0.7) billion¥(0.6) billionFull-year plan ¥(0.3) billionNotes: 1. Amounts less than one hundred million yen have been truncated.2. Previous-year comparisons are based on the units used in these materials.3. Exchange rates used in the consolidated income statement:FY2020 $1 = ¥106.76, FY2021 plan $1 = ¥108.00, FY2021 $1 = ¥109.90, FY2022 plan $1 = ¥114.00COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.3404Statement of Income APPENDIXOrdinary incomeATM-related fee incomeOrdinary expensesInterest expensesATM placement fee expensesOutsourcing expensesMaintenance feesDepreciation and amortizationOrdinary profitExtraordinary income and lossesTotal income taxesNet incomeEBITDANo. of ATMs installed at end of term (units)ATM-related fee income per transaction (yen)Daily average transactions per ATM (transactions/ATM/day)Total number of transactions (million)COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.FY2020FY2021Plan110.9Changes from FY2020Full year1HChanges from FY2021 1HFY2022_planChanges from FY20216.3(Billion yen)111.699.377.00.515.920.93.813.034.5(0.7)18.015.847.625,676121.490.583698.183.60.516.122.33.915.727.308.318.943.1110.297.181.80.516.521.73.914.928.4(1.7)8.518.143.326,226110.995.590226,253108.896.5910(1.4)(2.2)4.800.60.80.11.9(6.1)(1.0)(9.5)2.3(4.3)577(12.6)6.074116.5101.889.00.517.223.14.117.427.508.519.045.026,953109.597.794857.550.444.00.28.511.42.08.513.504.09.522.026,612110.596.3465(0.9)4.77.200.71.40.22.51.700.91.77000.71.2382.92.24.100.30.80.11.3(1.2)0.1(0.4)(0.5)0.16760.71.1183504 APPENDIXStatement of Income FY ended Dec. 2020PlanFY ended Dec. 2021Changes from FY2020Full yearChanges from FY20211HChanges from FY2021 1HFY ending Dec. 2022_plan(Million USD)Ordinary incomeOrdinary expensesInterest expensesATM placement fee expensesOutsourcing expensesMaintenance feesDepreciation and amortizationOrdinary profitExtraordinary income and lossesNet incomeEBITDANo. of ATMs installed at end of term (units)At SEI (units)Daily average transactions per ATM (transactions/ATM/day)At SEI (transactions/ATM/day)Total number of transactions (million)COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.227.0204.117.1115.815.516.06.722.82.124.629.69,3688,55348.856.3183.1210.3188.412.3109.612.811.76.921.8021.728.98,6648,66456.156.9179.0206.3189.914.7107.413.713.36.316.4035.922.79,0048,68852.955.8177.8(20.7)(14.2)(2.4)(8.4)(1.8)(2.7)(0.4)(6.4)(2.1)11.3(6.9)(364) 1354.1 (0.5) (5.3) 204.6191.121.9106.212.314.66.813.4012.218.88,8188,81854.854.8175.4(1.7)1.27.2(1.2)(1.4)1.30.5(3.0)0(23.7)(3.9)(186)1301.9(1.0)(2.4)97.591.07.952.66.07.33.36.405.87.38,7708,77056.056.088.7(9.3)(1.9)0.3(2.4)(1.0)1.20.2(7.5)0.1(7.7)(9.7)(236)1191.9(2.3)(3.1)36Note: FCTI interest expenses: equivalent to interest charges paid to financial institutions supplying cash to ATMs, outsourcing expenses, etc.04 APPENDIXStatement of Income (Million yen)FY2022_planFY2020FY2021PlanChanges from FY2020Full yearChanges from FY20211HChanges from FY2021 1H2,0251,8042211442,1301,920210147398580(182)(117)2,7002,5002001382771161611111,1641,227(62)(62)Ordinary incomeOrdinary expensesOrdinary profitNet incomeOrdinary incomeOrdinary expensesOrdinary profitNet incomeNumber of non-group companies from which BBF received contracts29413408–(Million yen)FY2022_planFY2020FY2021PlanChanges from FY2020Full yearChanges from FY20211HChanges from FY2021 1H52151832369347221642378(9)867359959721152259(106)(88)256273(17)(17)Number of companies with which 7PS had contractsCOPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.-147—-2,4232,3843927324473381088957022621116(9)49116(66)(58)3704 APPENDIXStatement of Income FY ending Dec. 2022_plan(Million yen)FY ended Dec. 2020PlanFY ended Dec. 2021Changes from FY2020Full yearChanges from FY20211HChanges from FY2021 1H4293001291141,5011,2872142141,5241,1903333011,0958902041873,8943,4334613942,3702,243128931,5621,4421201209771,025(47)(47)2,000Number of ATMsNote: Exchange rate: FY ended Dec. 2020 IDR 100 = ¥0.735, FY ended Dec. 2021 plan IDR 100 = ¥0.751, FY ended Dec. 2021 IDR 100 = ¥0.768, FY ending Dec. 2022 plan IDR 100 = ¥0.7512,9491,8215,5002,551730–iBegan servce in Feb. 2021FY ended Dec. 2021FY ending Dec. 2022_planFull yearChanges from FY20211H(Million yen)493787(294)(241)2,9813,232(251)(251)3,0502,4882,44543(10)1,0421,268(226)(226)1,801-Number of ATMsNote: Exchange rate: FY ended Dec. 2021 PHP 1 = ¥2.229, FY ending Dec. 2022 plan PHP 1 = ¥2.31,249COPYRIGHT © 2022 SEVEN BANK, LTD. ALL RIGHTS RESERVED.38Ordinary incomeOrdinary expensesOrdinary profitNet incomeOrdinary incomeOrdinary expensesOrdinary profitNet incomeThese presentation materials contain forward looking statements concerning forecasts, expectations, goals and plans related to the financial results of Seven Bank, Ltd. (“Seven Bank”) and its consolidated subsidiaries, etc. Except for concrete historical facts, these forward looking statements are based on the information available when they were written. As such, these forward-looking statements may contain some premises (assumptions). These statements and premises (assumptions) are subjective and subject to various risks and uncertainties. As a result of such risks and uncertainties, the actual financial results of Seven Bank may differ substantially from these forecasts and expectations. Such risks and uncertainties, while not limited to these alone, include system malfunctions, disasters, crimes and other various risks surrounding the business. Any information in these materials, which is other than that of Seven Bank and its consolidated subsidiaries, etc., is based on publicly available information, and we have not validated the accuracy or appropriateness of such information and do not guarantee its accuracy. All rights reserved.