セブン銀行2022年3月期 第3四半期 決算説明資料

1 2022 012022 1,031 1,040 796 752 235 287 159 213 355 390 2022 2012022 COPYRIGHT 2021 SEVENBANK, EBITDA 1 2 3 1 2021 3 2022 3 2022 3 4 EBITDA 2021 3 2022 3 3012022 COPYRIGHT 2021 SEVENBANK, ,123 1,040 1,031 02004006008001,0001,200FY19FY20FY21 EBITDA 315287235050100150200250300350FY19FY20FY 21207213159050100150200250FY19FY20FY21 426390355050100150200250300350400450500F Y19FY20FY21 FY20 8077527960100200300400500600700800900FY1 9FY20FY21 3 4012022 COPYRIGHT 2021 SEVENBANK.

2 ( ATM ATM ATM 52 ( ATM 30287 ATM 35 4 +2 +15235836 843 605 568 230 274 147 189 341 370 5012022 COPYRIGHT 2021 SEVENBANK, EBITDA2021 3 2022 3 6012022 COPYRIGHT 2021 SEVENBANK, 2021 12 / 1-9 ATM ATM 1,67232517,269979 34957 1,640734 4782,095256 480 1197 5662,043256 168 176197 ATM ATM ATM 100 2021 3 3 2022 3 3 7012022 COPYRIGHT 2021 SEVENBANK, 2022 11 02 22,844 22,902 22,966 23,048 23,079 23,119 23,142 2,416 2,480 2,582 2,628 2,706 2,817 2,884 05,00010,00015,00020,00025,00030.))

3 00020 6 9 12 3 21 12 902 COPYRIGHT 2021 SEVENBANK, ATM 195208220211223 / / 1 ATM 2 3 2022 3 _ 3 ATM ATM ATM ATM < > 25,38225,54825,93625,67625,785 3Q _ +7 _ +9 +478 176 302 7&i 224238 25,26026,0267&i ATM Topics1002 4 9,059 (2021 12 )

4 20 12 21 12 3,527 3,632 3,795 3,832 3,942 4,024 4,212 1,348 1,361 1,365 1,357 1,350 1,345 1,309 2,221 2,255 2,310 2,364 2,415 2,442 2,484 1,5001,6001,7001,8001,9002,0002,1002,200 2,3002,4002,50001,0002,0003,0004,0005,00 06,0007,00020 6 9 12 3 21 9 12 1102 COPYRIGHT 2021 SEVENBANK, 5,3695,1614,9934,8765,1905,2925,522 My 41 120 2020 4 My 8699498662002202402602803003203403603804 0042044046048050052054056058060062064066 0680700720740760780800820840860880900920 940960980100010201040106010801100FY19FY2 0FY2110,196 13,165 14,093 1,0002,0003,0004,0005,0006,0007,0008,000 9,00010,00011,00012,00013,00014,00015,00 016,000FY19FY20FY21 1202 COPYRIGHT 2021 SEVENBANK.

5 2282332651001502002502019 12 2020 12 2021 12 13 CreddFinance 8% 3Q 3Q Topics BNPL BuyNowPayLater 1302 COPYRIGHT 2021 SEVENBANK, 572,000 687,000 882,000 1,077,000 1,310,000 1,572,000 1,880,000 2018 2019 2020 ( 2021 ( )2022 ( )2023 ( )2024 ( ) 2021 2024 2 107 2021 9 21 ~12 1 2 2020 2021 2021 3 1502764235270102030405060708090100110120 1301401501601701801902002102202302402502 6027028029030031032033034035036037038039 0400410420430440450460470480490500510520 530540550560570580590600FY18FY19FY20FY21 (3Q 1402 1457142330320102030FY14FY15FY16FY17FY18F Y19FY20FY21 ~))

6 500 Q 8,4808,4948,5708,5538,6228,6518,7022,279 2, ,0004,0006,0008,00010,00012,00014,00016, 000FY201Q2Q3Q4 QFY211Q2Q3Q ATM 1502 COPYRIGHT 2021 SEVENBANK, ATM / / 2 Q 1-3 4-6 7-9 10-12 1 ATM SEI SEI 10,75910,6639,4859,3689,432 Q ATM SEI ATM 9,0069,0412021 12 9,004 ( SEI 8,688 ATM 1602 COPYRIGHT 2021 SEVENBANK, ATM 2,000 ) 2,550 ~ ATM 267350438 730 1,058 1,399 1,764 / / 1 ATM 2 Q 1-3 4-6 7-9 10 12 2021 12 2,550 ATM 1702 COPYRIGHT 2021 SEVENBANK, 3 4 5 6 7 8 9 2021 2 ATM ATM 2021 12 1,249 / / 03 APPENDIX 1903 APPENDIXCOPYRIGHT 2021 SEVENBANK, 3 2022 3 1,0401,031 91,376 752796441.

7 092 287235 52283 213159 54197 2003 APPENDIXCOPYRIGHT 2021 SEVENBANK, 2021 3 2022 3 843836 71,109 ATM 751736 15981 56860537836 274230 44273 0 13 130 8369 1483 189147 42189 EBITDA370341 29431 ATM 25,54826,02647826,226 ATM / / 62468662902 FCTI 2103 APPENDIXCOPYRIGHT 2021 SEVENBANK, $ 2020 12 2021 12 ATM 9,4859,041 4448,664 SEI 8,5708,7021328,664 / / SEI 2203 APPENDIXCOPYRIGHT 2021 SEVENBANK, 3 2022 3 1,3231,6723492,130 1,3231,6773541,920 0 4 4210 4 5 1147 2021 3 2022 3 26832557521 271246 25518 278803 266682 2303 APPENDIXCOPYRIGHT 2021 SEVENBANK, 12 2021 12 2459797341,501 1857225371.

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