Materials on Medium Term Business Plan

Materials on Medium Term Business PlanMaterials on Medium Term Business Plan

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Latest Materials

From FY 2016 till FY 2018May 26, 2015

Medium-Term Business Plan Summary

Medium-Term Business Plan Vision:
Aim to be a provider of unique financial services not constrained by existing paradigms

In May 2015, the J Trust Group formulated a Medium-Term Business Plan covering the periodfrom April 2015 to March 2018. Aiming for continuous profit growth driven by our bankingbusinesses in South Korea and Southeast Asia, we will organically connect businesses and create synergies to provide financial services that transcend existing concepts. Our targetsfor the fiscal year ending March 2018 are for operating revenue of 142.1 billion yen, operating income of 21.7 billion yen, and ROE of 10.0%.

Domestic financial business

<With the market contracting, we are withdrawing from the unsecured loan business and concentrating on credit guarantees for property-based loans and servicer businesses.>

  • Significant downsizing of unsecured loan business sent management team from Japan to rebuild Bank JTrust Indonesia.
  • Credit guarantee business focusing on credit guarantees for property-based loans.
  • Servicer business growing, backed by top-tier collection capabilities.

Aiming for operating revenue of 11.5 billion yen and operating income of 4.4billion yen in fiscal 2018. Rather than seeking high growth, we are positioning the servicer business as a core business that generates stable profits for the Group.

Financial business in South Korea

<We are organically integrating our capital company, saving banks, and receivable collection company to provide comprehensive financial services for the entire South Korean market.>

  • Infrastrusture for comprehensive services in place.
  • Seeking to become the No.1 savings bank with a focus on quality customers.

By maximizing Group synergies and expanding our comprehensive financial services, the financial business in South Korea is targeting operating revenue of 63.2 billion yen and operating income of 8.3 billion yen in fiscal 2018.

Financial business in Southeast Asia

<We are revitalizing Bank JTrust Indonesia to offer diverse financial services in Southeast Asia, a region experiencing remarkable economic growth.>

  • Acquisition of 99.997% of the shares of Bank Mutiara (currently Bank JTrust Indonesia) gave us a "platinum ticket" to operate a banking business in Indonesia.
  • Sent management team from Japan to rebuild Bank JTrust Indonesia.
  • Aiming to expand the business in Indonesia, with a population of 250 million and 80 million potential customers.

With a focus on banking operations in Indonesia, the financial business in Southeast Asia is targeting operating revenue of 30.3 billion yen and operating income of 5.3 billion yen in fiscal 2018.

Progress with Medium-Term Business Plan

Please scroll horizontally to see this figure.

FY2015
(actual)
FY2016
(actual)
FY2017
(target)
FY2018
(target)
CAGR
(from 2015
till 2018)
Domestic financial business Operating revenue 12.0 billion yen 10.1 billion yen 11.1 billion yen 11.5 billion yen -1%
Operating profit 2.5 billion yen 4.3 billion yen 4.0 billion yen 4.4 billion yen +21%
Operating asset*Note 1 36.5 billion yen 53.3 billion yen 75.6 billion yen 1,100.3 billion yen +40%
Financial Business in South Korea Operating revenue 18.7 billion yen 25.5 billion yen 40.8 billion yen 63.2 billion yen +50%
Operating profit -5.2 billion yen 0.5 billion yen 5.5 billion yen 8.3 billion yen +82%
*Note 3
Operating asset *Note 1 190.7 billion yen 204.2 billion yen 320.0 billion yen 400.0 billion yen +28%
Financial Business in Southeast Asia Operating revenue 12.2 billion yen 22.9 billion yen 30.3 billion yen +59%
*Note 3
Operating profit -1.7 billion yen 3.2 billion yen 5.3 billion yen +88%
*Note 3
Operating asset 76.0 billion yen 85.4 billion yen 166.3 billion yen 215.2 billion yen +41%
General entertainment business Sales 15.1 billion yen 16.5 billion yen 14.9 billion yen 14.8 billion yen -1%
Operating profit 0.9 billion yen -0.9 billion yen 1.1 billion yen 1.1 billion yen +7%
Real estate business Sales 7.5 billion yen 6.2 billion yen 7.1 billion yen 8.0 billion yen +2%
Operating profit 0.5 billion yen 0.5 billion yen 0.6 billion yen 0.7 billion yen +12%
Other non-financial business Sales 0.7 billion yen 4.0 billion yen 7.0 billion yen 10.2 billion yen +144%
Operating profit -0 billion yen 1.6 billion yen 3.0 billion yen 0.5 billion yen
Group total
*Note 2
Operating revenue 63.2 billion yen 74.7 billion yen 107.5 billion yen 142.1 billion yen +31%
Operating profit -5.2 billion yen 2.1 billion yen 15.1 billion yen 21.7 billion yen +70%
*Note 3
Operating profit ratio 2.9% 14.0% 15.3%
EPS (yen) 86 yen -0.88 yen 116 yen 164 yen +24%
ROE 5.6% -0.1% 7.0% 10.0%
  • Note  
    • 1.Excluding principal balance of purchased receivables in receivable collection business (operating assets in domestic financial business refer to size of guarantees:
    • 2.After consolidation adjustment
    • 3.CAGR from FY2016 till FY 2018
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