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Earnings Presentation Material Q2 FY03/2019 Earnings Presentation Material November 15th, 2018 J Trust Co., Ltd. Copyright(C)2018 JTRUST Co.,Ltd. All Rights Reserved. Table of Contents 1. Key Points from Results 2. Q2 FY03/2019 Results 3. Results by Segment 4. Consolidated Earnings Forecast for FY03/2019 5. Acknowledgement of Current Situation 1 Disclaimer • J Trust has adopted the International Finance Report Standard (IFRS) since FY03/2018. • From the Q2 FY03/2019 results, J Trust has classified the results of Highlights Entertainment, which the company decided to sell, as discontinued business. • Information regarding forecasts listed this document is estimated based on the knowledge, opinions, and judgement of the company at the time of the document`s creation, therefore actual results may differ. Please understand that actual performance and results are subject to change greatly depending upon various factors. • This document is meant to provide information about J Trust and is not intended to solicit investments in securities issued by the company or its subsidiaries. • The figures listed on each page have been rounded down to the nearest unit. In addition, figures shown in chart and graphs such as YOY differences are displayed in units of 100 million. • This English-translated document was prepared solely for the convenience of English speaking investors. If any discrepancies exist, the original Japanese version always prevails. J Trust shall not be liable for any damages or losses arising from this translation. 2 １．Key Points from Results Deputy General Manager, PR & IR Division Corporate Planning Department Hidehiko Hombu 3 ➢ Key Points from Results Consolidated Operating Revenue Consolidated Operating Profit Consolidated Profit before taxes 4 ２．Q2 FY03/2019 Results 5 ➢ Operating revenue increased, but profits declined YOY. Consolidated Results（YOY Comparison) Q2 FY03/2018 Q2 FY03/2019 Difference Operating Revenue ※ 34.6 billion JPY 36.5 billion JPY +1.9 billion JPY Operating Profit ※ 4.6 billion JPY 0.0 billion JPY -4.6 billion JPY Profit before taxes ※ 4.0 billion JPY 1.1 billion JPY -2.9 billion JPY Profit attributable to 2.2 billion JPY -2.1 billion JPY -4.3 billion JPY owners of parent ※ Amounts of operating revenue, operating profit, and profit before taxes do not include discontinued business. 6 ➢ Revenue increase contributed by Financial Business in Korea Operating Revenue by Segment (YOY) Q2 FY03/2018 Q2 FY03/2019 Difference Financial Business in Japan 4.9 billion JPY 4.8 billion JPY -0.1 billion JPY Financial Business in South Korea 17.4 billion JPY 20.2 billion JPY +2.8 billion JPY and Mongolia Financial Business in Southeast 7.2 billion JPY 6.2 billion JPY -1.0 billion JPY Asia Investment business 1.1 billion JPY 0.5 billion JPY -0.6 billion JPY Non-Financial Business 2.7 billion JPY 3.1 billion JPY +0.4 billion JPY Other business 1.0 billion JPY 1.5 billion JPY +0.5 billion JPY Consolidated Operating Revenue 34.6 billion JPY 36.5 billion JPY +1.9 billion JPY Amounts shown do not include discontinued business. 7 ➢ Negative earnings for Financial Business in Southeast Asia Operating Profit by Segment (YOY) Q2 FY03/2018 Q2 FY03/2019 Difference Financial Business in Japan 2.4 billion JPY 2.1 billion JPY -0.3 billion JPY Financial Business in South Korea 2.4 billion JPY 2.4 billion JPY ±0.0 billion JPY and Mongolia Financial Business in Southeast -0.2 billion JPY -2.4 billion JPY -2.2 billion JPY Asia Investment business 1.0 billion JPY -0.2 billion JPY -1.2 billion JPY Non-Financial Business 0.1 billion JPY 0.0 billion JPY -0.1 billion JPY Other Business 0.0 billion JPY 0.0 billion JPY ±0.0 billion JPY （Adjustments, etc.） -1.1 billion JPY -1.9 billion JPY -0.8 billion JPY Consolidated Operating Profit 4.6 billion JPY 0.0 billion JPY -4.6 billion JPY Amounts shown do not include discontinued business. 8 ３．Results by Segment ３－１．Financial Business in Japan 9 ➢ A high and stable level of profit was maintained. Unit: 100 million JPY Operating Revenue Operating Profit 49 48 24 21 Q2 FY03/2018 Q2 FY03/2019 Q2 FY03/2018 Q2 FY03/2019 10 ➢ The amount of credit guarantees surpassed 170 billion JPY. J Trust will continue to accelerate the diversification of guarantees. Unit：100 million JPY Amount of Credit Guarantees Light color＝Condominium loan guarantees 1,733 Dark color＝Other guarantees 1,270 570 186 463 384 2016/ 2017/ 2018/ 6 9 12 3 6 9 12 3 6 9 11 ➢ Purchasing of receivables continued to be successful. Unit: 100 million JPY Amount of Receivables in Servicer Business Total: Over 900 billion JPY Approx. Off-balance receivables Approx. Approx. （receivables which Approx. 1,400 Approx. 1,400 1,400 can be claimed) 1,300 taken over from the Approx. Approx. 1,100 Takefuji Corporation 1,100 1,100 by Nihon Hoshou Amount of receivables 7,833 7,592 7,664 7,723 7,738 handled by Partir 7,306 7,290 Servicer 2017/ 2018/ 03 06 09 12 03 06 09 Amount of receivables includes both purchased and claimed receivables. Amount of receivables includes some on-balance assets. 12 ➢ Progress of Full-Year Plan for Financial Business in Japan Unit: 100 million JPY Operating Revenue Operating Profit Full-Year Plan: 99 Full-Year Plan: 45 Actual: 48 Actual: 21 Progress Progress 48％ 47％ 48 21 Q2 FY03/2019 Q2 FY03/2019 13 ３．Results by Segment ３－２．Financial Business in South Korea and Mongolia 14 ➢ Operating Revenue increased 16% from YOY, while Operating Profit already achieved the annual target. Unit: 100 million JPY Operating Revenue Operating Profit 202 174 24 24 Q2 FY03/2018 Q2 FY03/2019 Q2 FY03/2018 Q2 FY03/2019 15 ➢ Loan balances increased as the delinquency rate remained at a low level. Loan balance and delinquency rate at JT Savings Bank, JT Chinae Savings Bank and JT Capital (K-GAAP standards) Unit：100 million KRW 40,000 Bar graph, dark color ＝ Loans screened by JT Savings Bank and JT Capital 10.0% Bar graph, light color ＝ Purchased receivables 36,298 Line graph (Right axis) ＝ Delinquency rate 9.0% 35,000 8.0% 30,000 6.8% 7.0% 25,000 6.0% 20,000 5.0% 15,019 4.0% 15,000 4.0% 3.0% 10,000 2.0% 5,000 1.0% 0 0.0% 2015/ 2016/ 2017/ 2018/ 03 06 09 12 03 06 09 12 03 06 09 12 03 06 09 Reference rate：1 KRW＝0.1023JPY（On September 31st when results were calculated) ＝ Delinquency rate Percentage of loans which have been delinquent for more than 90 days 16 *As of November 28th, 2018, the delinquent loans shown here have been changed from those over 30 days or those delinquent for 90 days or more. ➢ Intensified loans and business loans for high-quality companies and mortgages Unit: 100 million KRW Loan Portfolio （K-GAAP standards） Secured business loans 36,298 Unsecured business loans Secured consumer loans 9,585 Unsecured consumer loans 9,123 1,710 1,223 17,175 11,308 8,439 13,694 11,634 2015/ 2016/ 2017/ 2018/ 06 09 12 03 06 09 12 03 06 09 12 03 06 09 ※ Combined total of JT Chinae Savings Bank, JT Savings Bank, and JT Capital Reference rate：1 KRW＝ 0.1023 JPY（Rate from September 31st when results were calculated) 17 ➢ Collections of purchased receivables progressed steadily 単位：億円 Unit: 100 million KRW Claimable Receivables in TA Asset Management 2,581 2,504 2,415 1,900 1,906 1,824 1,834 2017/ 2018/ 03 06 09 12 03 06 09 Reference rate：1 KRW＝ 0.1023 JPY（Rate from September 31st when results were calculated) 18 ➢ Progress of Full-Year Plan for Financial Business in South Korea and Mongolia Unit: 100 million yen Operating Revenue Operating Profit Full-Year Plan 379 Full-Year Plan 24 Actual 202 Actual 24 Progress Progress 53％ 100％ 24 202 Q2 FY03/2019 Q2 FY03/2019 19 ３．Results by Segment ３－３．Financial Business in Southeast Asia 20 ➢ Operating Revenue and Operating Profit decreased YOY Unit: 100 million JPY Operating Revenue Operating Profit 72 62 -2 -24 Q2 FY03/2018 Q2 FY03/2019 Q2 FY03/2018 Q2 FY03/2019 21 ➢ A slight decrease in loan balances in recent quarters Loan balance and NPL ratio at J Trust Bank Indonesia (using regional standards) Unit: 100 million IDR Dark colored bar graph ＝ Loans screened by J Trust Bank Indonesia Light colored bar graph ＝ Assigned receivables Blue line graph ＝ NPL ratio (gross) 140,000 Orange line graph ＝ NPL ratio (net) 20.0% 120,027 18.0% 120,000 16.0% 14.0% 100,000 14.0% 82,922 59,127 12.0% 80,000 10.0% 60,000 7.5% 60,900 8.0% 40,000 6.0% 5.3% 4.0% 20,000 3.0% 2.0% 0 0.0% 2015/ 2016/ 2017/ 2018/ 06 09 12 03 06 09 12 03 06 09 12 03 06 09 Reference rate：1 IDR＝0.0078 JPY (Rate from September 31st when results were calculated) NPL ratio＝Percentage of total loans which have been delinquent for more than 30 days 22 ➢ Collection of Non-Performing Loans is an urgent issue. Loan balance and NPL ratio at J Trust Bank Indonesia (IFRS standards) Unit: 100 million yen Bar graph ＝ Loan balance Orange line graph ＝ Gross NPL ratio (Regional standard) Blue line graph ＝ Gross NPL ratio (IFRS) 100,000 10.0% 89,630 90,436 90,000 9.0% 80,000 8.6% 8.0% 70,000 6.5% 7.0% 60,000 5.7% 5.3% 6.0% 4.7% 4.9% 50,000 5.0% 4.2% 40,000 3.4% 4.4% 4.0% 2.9% 30,000 3.4% 3.5% 3.0% 20,000 2.6% 2.0% 2.1% 10,000 1.0% 0 0.0% 2017/ 2018/ 03 06 09 12 03 06 09 NPL ratio＝Percentage of total loans which have been delinquent for 30 days or more 23 ➢ Challenges, Problems and Solutions for J Trust Bank Indonesia ○Improve quality of loans ○Accumulate sound assets ○Improve low spread Solutions Collection of Launch a task force and work harder on collections Work harder on collections together with collections advisor who was hired in the first half of NPLS the fiscal year Reduction of Recheck all loans (Meet with customers again and conduct another analysis) NPLS Focus on reevaluation of screening process Improvements on loan portfolios Loan assets ・ Quickly accumulate secured loans (such as automobile loans) through joint financing with the J Trust Group’s new company JT Olympindo ・ Increasing sound assets that will not become delinquent even with low spread Quickly implement net banking, which is currently waiting for approval by financial authorities, Improving and reduce costs.
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