The First Half of Fiscal Year 2014
Earnings Presentation

from the beginning

The First Half of Fiscal Year 2014 Earnings Presentation

presenter :

Public Relations & Investor Relations Department
General Manager
Toshio Shinohara

• Table of Contents

• Disclaimer

First Half of FY 2014 Overview of Consolidated Financial Results

• Highlight for the First Half FY 2014

Consolidated Financial Results for the First Half of FY 2014 Comparison of Forecast and Actual Results

• Comparison of Forecast and Actual Result

• Difference between Forecast and Actual Result for Operating Revenue

Difference between Forecast and Actual Result for Operating Revenue

Difference between Forecast and Actual Result for Operating Revenue

Difference between Forecast and Actual Result for Operating Revenue

• Difference between Forecast and Actual Result for Operating Income

Difference between Forecast and Actual Result for Operating Income

Difference between Forecast and Actual Result for Operating Income

Difference between Forecast and Actual Result for Operating Income

Difference between Forecast and Actual Result for Operating Income

• Difference between Forecast and Actual Result for Ordinary Income and Net Income

• Breakdown of Balance by Product for Finance Business

• Total Assets and Capital Adequacy Ratio

• Excess Interest Refund Claim Problem

Delayed Disclosure of Financial Forecast for the Full-Year Ending March 31, 2014

• Delayed Disclosure of Financial Forecast for FY2014 Full-Year

Progress of Ongoing M&A Projects, etc. and J Trust’s Future Direction/The Realities of South Korea and CProgress of Ongoing M&AProgress of Ongoing M&A Projects

presenter :

President & CEO
Nobuyoshi Fujisawa

• Progress of Ongoing M&A Projects

• Establishment of J Trust Asia

• Direction of Domestic Business

• Entry into Savings Bank Business in South Korea

• Difference from Other Japanese Capital Savings Banks

• Stance on Investment in South Korea/Prospects of Business in South Korea