Seven Bank : FACT BOOK

FACT BOOK

Fiscal Year Ended March 31, 2024

01

Consolidated

01 Consolidated

Corporate Profile

Basic information

Key data (as of Mar. 31, 2024)

Headquarters:	1-6-1, Marunouchi, Chiyoda-ku, Tokyo
Main business	ATM services, other financial services

Consolidated Subsidiaries

Domestic Subsidiaries Offering of financial services, etc. The figures in ( ) denote the percentage of voting rights.

• Bank Business Factory Co., Ltd. (100%)

• Seven Payment Service, Ltd. (100%)

• Seven Global Remit, Ltd. (100%)

• ACSiON, Ltd. (58.28%)

• VIVA VIDA MEDICAL LIFE CO., LTD. (97.78%)

Net assets

Common stock (Seven Bank, Ltd.)

Number of ATMs (Japan)

No. of employees

No. of shares outstanding

Main shareholders (as of Mar. 31, 2024)

275,856 million yen

30,724 million yen

27,422

1,301

1,179,308,000 shares

• Seven Card Service Co., Ltd.(98.86%)

Overseas Subsidiaries Offering of ATM service The countries in [ ] denote the location of their headquarters.

• FCTI, Inc. (100%) [U.S.]
• PT. ABADI TAMBAH MULIA INTERNASIONAL (67.89%) [Indonesia]
• Pito AxM Platform, Inc. (100%) [Philippines]

・Other subsidiaries (equity method): 3

Main shareholders (as of Mar. 31, 2024)

Shareholders	No. of shares held	Share-holding
(shares)	(%)
Seven-Eleven Japan Co., Ltd.	453,639,000	38.46
The Master Trust Bank of Japan, Ltd. (trust
account)	91,055,800	7.72
Ito-Yokado Co., Ltd.	46,961,000	3.98
York-Benimaru Co., Ltd.	45,000,000	3.81
Custody Bank of Japan, Ltd. (trust account)	37,146,100	3.14
ＢＢＨ ＦＯＲ ＵＭＢ ＢＫ， ＮＡＴＬ ＡＳＳＯＣＩＡＴＩＯＮ－Ｇ	19,143,992	1.62
ＬＯＢＡＬＡＬＰＨＡ ＩＮＴＬ ＳＭＡＬＬ ＣＡＰ ＦＵＮＤ ＬＰ
Sumitomo Mitsui Banking Corporation	15,000,000	1.27
The Dai-ichiLife Insurance Co., Ltd.	15,000,000	1.27
MUFG Bank, Ltd.	10,000,000	0.84
Nomura Research Institute, Ltd.	10,000,000	0.84
NEC Corporation	10,000,000	0.84

COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED.

		19.57		7 & i Group
				Financial institutions
		11.14	46.25	Securities companies
			Other corporations
		3.12		Foreign investors
		20.46		Individuals and other shareholders
		1.40
		Shareholders		No. of shares held	Share-holding
			(shares)	(%)
		7 & i Group		545,600,000	46.25
		Financial institutions		215,470,604	18.27
		Securities companies		15,539,955	1.32
		Other corporations		36,677,795	3.12
		Foreign investors		131,347,489	11.14
		Individuals and other shareholders		234,672,157	19.57

Notes: 1. Shareholding ratios have been truncated to the nearest third decimal lace. 2. Colored rows indicate Seven & i Holdings group companies

3. Other corporations do not include Seven & i Holdings group companies

2

01 Consolidated

Trends in Income (Consolidated)

					Ordinary income														(Billion yen) 46.7		Depreciation and amortization				EBITDA		EBITDA margin		(％)
					Ordinary expenses														46.6	45.6
																		43.4										50
					Ordinary profit												80				39.5
																							36.6	36.2
					Net income attributable to owners of the parent
										197.8						32.6	31.2	27.2	40
(Billion yen)																										58.2
200																						60	55.9	55.4	55.4	54.4				53.9	30
																	154.9	53.2									49.7			48.4
						147.2	148.5
160						137.2	136.6															44.6
119.9		121.6	127.6								167.2
114.0
					106.5	108.7									40
120						101.6
							126.0
76.9	82.7			84.8	89.3																									23.3
										108.4

80									20	18.7	18.7		17.5		19.5
									17.1		16.3
37.0	37.1	36.7		40.7	39.8	35.6			16.2		14.6	14.0
38.3	28.2	28.9	30.5
40
				13.2

0	23.2	24.7	25.1	25.3				26.1	25.9	20.8	18.8	31.9		0
		FY14	FY15	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23		FY14	FY15	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23
						Unit		FY14	FY15		FY16	FY17	FY18		FY19	FY20	FY21		FY22		FY23
	Ordinary income			Billion yen			114.0	119.9	121.6		127.6	147.2	148.5		137.2	136.6	154.9		197.8
	Ordinary expenses			Billion yen			76.9	82.7	84.8		89.3	106.5	108.7		101.6	108.4	126.0		167.2
	Ordinary profit				Billion yen			37.0	37.1	36.7		38.3	40.7	39.8		35.6	28.2	28.9		30.5
	Net income attributable to owners	Billion yen			23.2	24.7	25.1		25.3	13.2	26.1		25.9	20.8	18.8		31.9
	of the parent
	Depreciation and amortization		Billion yen			16.2	18.7	18.7		17.1	17.5	14.6		14.0	16.3	19.5		23.3
	EBITDA				Billion yen			53.2	55.9	55.4		55.4	58.2	54.4		49.7	44.6	48.4		53.9
	EBITDA margin				％			46.7	46.6	45.6		43.4	39.5	36.6		36.2	32.6	31.2		27.2
	Note: 1. EBITDA = Ordinary profit + Depreciation and amortization	2. EBITDA margin = EBITDA / Ordinary income
COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED.																		3

01 Consolidated

Per Share Information (Consolidated)

Dividends and payout ratio

(yen)					Interim		Year end		Payout ratio			（％）
16					99.0								100
14											62.0	68.6		80
									49.9
12	41.0		42.6	47.0							60
40.9	49.6					40.3
10
8					5.25	6.00	5.50	5.50	5.50	5.50	5.50
			4.75
6	4.25	4.50

4

2 3.75 4.00 4.25 4.75 5.00 5.50 5.50 5.50 5.50 5.50

0

FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23

Earnings per share

(yen)
30				27.25
20.75	21.07	21.24	22.14	22.01
19.49
20				17.71

16.03

10

11.11

0

FY14

FY15

FY16

FY17

FY18

FY19

FY20

FY21

FY22

FY23

	Unit	FY14	FY15	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23
DPS (dividend per share)	Yen	8.00	8.50	9.00	10.00	11.00	11.00	11.00	11.00	11.00	11.00
Interim	Yen	3.75	4.00	4.25	4.75	5.00	5.50	5.50	5.50	5.50	5.50
Year end	Yen	4.25	4.50	4.75	5.25	6.00	5.50	5.50	5.50	5.50	5.50
Payout ratio	%	41.0	40.9	42.6	47.0	99.0	49.6	49.9	62.0	68.6	40.3
EPS (earnings per share)	Yen	19.49	20.75	21.07	21.24	11.11	22.14	22.01	17.71	16.03	27.25
Diluted earnings per share	Yen	19.46	20.71	21.04	21.20	11.09	22.11	22.00	―	―	―

COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED.	4

01 Consolidated

Other Information (Consolidated)

Stock price-related indicators

Notes: Stock prices include those in intraday trading.

	Unit	FY14	FY15	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23
Trends in share price	Highest	617	661	504	452	383	364	315	264	286	331
Trends in share price	Lowest	363	404	288	328	300	235	215	227	236	262
PBR (highest)	％	4.34	4.27	3.03	2.54	2.15	1.94	1.59	1.28	1.34	1.43
	％
PBR (lowest)	2.55	2.61	1.73	1.85	1.68	1.25	1.08	1.10	1.11	1.13
PER (price-earnings ratio)	times	30.41	23.12	17.26	15.95	29.43	12.60	11.49	13.49	16.52	17.96

Cash flow, capital expenditures

	Unit	FY14	FY15	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23
Net cash provided by operating activities	Million yen	99,931	66,482	88,118	31,466	117,471	89,619	136,039	41,311	66,577	100,751
Net cash provided by investing activities	Million yen	4,994	(11,634)	(28,818)	(3,649)	(34,882)	(5,801)	(32,770)	(36,114)	(36,191)	(51,937)
Net cash provided by financing activities	Million yen	(9,204)	(9,826)	(10,446)	(11,729)	(12,246)	(16,009)	(13,555)	(12,727)	(12,973)	(12,090)
Capital expenditure	Million yen	19,037	17,216	14,213	11,900	10,792	16,694	25,132	23,712	24,734	38,844
ATM (Japan)	Million yen	10,698	8,885	4,052	1,673	1,986	3,556	9,228	7,898	6,450	12,644
Software (Japan)	Million yen	7,122	7,550	8,756	9,863	7,589	11,567	14,023	9,918	12,115	17,369
Own capital and number of employees
	Unit	FY14	FY15	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23
Net assets to total assets ratio	％	19.7	20.1	20.7	20.6	18.6	20.3	19.4	19.8	19.0	15.7
Return on equity	％	14.4	13.9	13.1	12.3	6.2	12.0	11.3	8.7	7.6	12.2
No. of employees		576	619	634	654	657	713	809	911	1,016	1,301
(excluding temporary workers)
Ordinary income per employee	Million yen	198	194	192	195	224	208	169	149	152	152

COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED.	5

02

Seven Bank, Ltd.

02 Seven Bank, Ltd.

Trends in Income (Non-consolidated)

						Ordinary income				Ordinary expenses					Ordinary profit				Net income	(Billion yen)			Depreciation and amortization				EBITDA		EBITDA margin			(％)
(Billion yen)
140																																						128.8	80		51.0																		60
										113.1	116.6	119.5	120.2	111.6					120.5				50.5		49.9	49.7		49.2	48.7
							110.4								110.2																									42.6					50
105.6																																					39.3	40.1
																																99.7															58.6			37.0
																																															58.0	58.9
																																		89.0				60		56.4		56.5							40
																														81.8				53.3
							71.4	74.1		74.3		76.5	75.2	77.0																							47.6			48.3	47.7
67.3																																43.3
70																																									40
38.2	39.0	38.9		42.2		43.0	45.0	34.5
																	31.5
																											28.4	29.1																						18.6
																														20 15.0	17.4		17.5	15.7		15.8	13.6			13.0	14.9		16.8
24.4	26.1	26.8		29.1					27.6
						14.5					15.8	18.1	19.5	19.3
0																							0
	FY14	FY15	FY16		FY17	FY18	FY19	FY20	FY21		FY22	FY23	FY14		FY15		FY16	FY17		FY18	FY19	FY20	FY21	FY22		FY23
																				Unit				FY14	FY15						FY16	FY17	FY18			FY19		FY20			FY21		FY22		FY23
	Ordinary income											Billion yen					105.6	110.4			113.1	116.6	119.5			120.2			111.6			110.2			120.5		128.8
	Ordinary expenses											Billion yen					67.3	71.4			74.1	74.3	76.5				75.2			77.0				81.8			89.0		99.7
	Ordinary profit											Billion yen					38.2	39.0			38.9	42.2	43.0				45.0			34.5				28.4			31.5		29.1
	Net income														Billion yen					24.4	26.1			26.8	29.1	14.5				27.6			15.8				18.1			19.5		19.3
	Depreciation and amortization		Billion yen					15.0	17.4			17.5	15.7	15.8				13.6			13.0				14.9			16.8		18.6
	EBITDA														Billion yen					53.3	56.4			56.5	58.0	58.9				58.6			47.6				43.3			48.3		47.7
	EBITDA margin											％					50.5	51.0			49.9	49.7	49.2				48.7			42.6				39.3			40.1		37.0
	Note: 1. EBITDA = Ordinary profit + Depreciation and amortization 2. EBITDA margin = EBITDA / Ordinary income

COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED.	7

02 Seven Bank, Ltd.

Trends in No. of ATMs Installed and No. of Affiliated Financial Institutions

No. of ATMs installed

7&i Group

Outside 7&i Group

(No. of ATMs)

						25,215	25,676	26,253	26,913 27,422
				24,392 25,152
25,000			23,368	2,628	3,041	3,606	3,977
	22,472	2,261	2,375	2,384
	21,056	2,130
	2,057
20,000	1,721
15,000
10,000	19,335	20,415	21,238	22,131	22,777	22,831	23,048	23,212	23,307	23,445
5,000
0
FY14	FY15	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23

No. of affiliated financial institutions

(companies)		Deposit-taking financial institutions total		Non-banks total	(yen)

ATM-related fee income per transaction

800	133.6		132.9	132.9	140
	133.1	130.9

136.2						121.4				130
600		66	70	75	91	96		105	125	163	120
64	99
	110
400								108.8	108.3	109.3
								100
530	529	531	525	524	516	514	515	515	513	90
200
											80
0											70
FY14	FY15	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23

	Unit	FY14	FY15	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23
Number of ATMs	Units	21,056	22,472	23,368	24,392	25,152	25,215	25,676	26,253	26,913	27,422

7&i Group	Units	19,335	20,415	21,238	22,131	22,777	22,831	23,048	23,212	23,307	23,445
Outside 7&i Group	Units	1,721	2,057	2,130	2,261	2,375	2,384	2,628	3,041	3,606	3,977
No. of affiliated financial institutions	Companies	594	595	601	600	615	612	613	620	640	676
Deposit-taking financial institutions total	Companies	530	529	531	525	524	516	514	515	515	513
Banks	Banks	122	123	124	124	124	123	122	123	123	123
Non-banks total	Companies	64	66	70	75	91	96	99	105	125	163

Notes: 1. Seven Bank does not include the ATMs of affiliated financial institutions. 2. JA Bank and JF Marine Bank are counted as individual business lines.

3. In this report, securities, life insurance, credit card, consumer credit, consumer financing companies, and code payment companies are all referred to as "non-banks."
COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED.	8

02 Seven Bank, Ltd.

ATM Usage

No. of transactions

(Million transactions)

114.4 112.3 112.6

Deposit-taking financial institutions total

111.1

107.8

Non-banks total		Daily average transactions per ATM	(Transactions/ATM/day)
			130

105.0

800
600		57
	80	64
400

59

100.9 98.8

70

62 64

95.5	94.1			96.5	101.5		110
92.3	92.1
	90.5
					278	316	90
		80	121	242
71	75
		177

509	545	597
200
0

638

673 679 712

724	739	749	727	667	701	722
			659

FY9

FY10

FY11

FY12

FY13

FY14

FY15

FY16

FY17

FY18

FY19

FY20

FY21

FY22

FY23

Unit

FY9

FY10

FY11 FY12

FY13

FY14

FY15 FY16

FY17

FY18

FY19 FY20

FY21

FY22 FY23

Total no. of transactions	Million transactions	590	609	655	698	736	743	782	796	815	829	849	836	910	980	1,039
Deposit-taking financial
Million transactions	509	545	597	638	673	679	712	724	739	749	727	659	667	701	722
institutions total
Non-banks total	Million transactions	80	64	57	59	62	64	70	71	75	80	121	177	242	278	316
Daily average transactions	Transactions/ATM/Day	114.4	112.3	112.6	111.1	107.8	100.9	98.8	95.5	94.1	92.3	92.1	90.5	96.5	101.5	105.0
per ATM
ATM-related fee income	Yen/Transaction	147.9	135.3	131.3	130.3	131.2	136.2	133.6	133.1	132.9	132.9	130.9	121.4	108.8	108.3	109.3
per transaction
Note: 1. Total number of transactions and daily average transactions per ATM do not include balance inquiries, e-money charges, PIN changes, withdrawal limit changes, or other operations.

1. ATM-relatedfee income per transaction = ATM-related fee income / (Total of transactions - Total of transactions without ATM-related fee income [i.e. sales proceeds deposits])
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."

COPYRIGHT © 2024 SEVEN BANK, LTD. ALL RIGHTS RESERVED.	9