Financial Highlights

Key financial indicators

(Billion：Yen)*1

*1Figures are rounded down to the nearest unit.
*2EBITDA = ordinary profit + depreciation and amortization EBITDA margin = EBITDA/ordinary income
*3 On December 1, 2011, we adopted a 1:1000 stock split and a 100-share unit system. Figures prior to the fiscal year ended March 31, 2011 have been retroactively adjusted to reflect this stock split.
*4The capital adequacy ratio has been calculated based on the formula stipulated in the Financial Services Agency Announcement No. 19 of 2006 in accordance with the second provision of the Banking Law No. 14 since the fiscal year ended March 31, 2007. We adopt domestic standards.
*5ROE = net income/average total shareholders' equity

※Figures are rounded down to the nearest unit.
※The average number of transactions and the total number of transactions excludes balance inquiries, electronic money charges, PIN changes, and changes in transaction limits.
※Affiliated financial institutions handling deposits and savings: Banks (including Seven Bank), Shinkin banks, credit unions, labor banks, JABank, and JF Marine Bank.
※Other financial institutions, etc.・・・ securities companies, life insurance companies, credit card companies, consumer finance companies, business loan providers, operating companies, cards issued overseas.

Management information: Message from the President; Management Policy, Management Environment, and Issues to be Addressed,etc.; Risk Factors; Risk Management Initiatives; Compliance Initiatives; Medium-Term Management Plan FY21-FY25

Finance: Operating Results and Forecasts; Financial Highlights; Monthly Memo

Stock and bond information: Stock Information; Dividends and Shareholders Returns Policy; Corporate Bond and Rating Information; General Meeting of Shareholders

IR Library: IR News; Financial Statements; IR Presentations; IR Calendar; Annual report; Seven Bank Disclosure Policy