Earnings Presentation Materials for the First Quarter of the Fiscal Year Ending March 2027 | Seven Bank,Ltd. (8410) timely disclosure

Worth reading

49Recurring

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Direction

Improvement

Direction inferred from the company’s description.

Scale

¥100 million (full-year forecast revision for consolidated ordinary profit)

Wording

Avoiding a definitive answer

How definitive the wording is.

Contents of this document

Financial results presentationFirst quarter of the fiscal year ending March 20277 items taken from the company’s own explanation

Financial Results Figures (The key points of this material are explained below)

Ordinary income108 Hundreds of millions of yen+63.6%

Net income65 Hundreds of millions of yen+58.5%

Results for the three months of the current quarter

Ordinary revenue

568 Hundreds of millions of yen

Ordinary Expenses

460 Hundreds of millions of yen

Ordinary income

108 Hundreds of millions of yen

Profit attributable to owners of parent for the quarter

65 Hundreds of millions of yen

EBITDA

174 Hundreds of millions of yen

Full-year earnings forecast

Consolidated ordinary revenues

2,355 Hundreds of millions of yen

Consolidated ordinary expenses

2,020 Hundreds of millions of yen

Consolidated ordinary income

335 Hundreds of millions of yen

Profit attributable to owners of the parent

200 Hundreds of millions of yen

Seven Bank standalone ordinary revenue

1,490 Hundreds of millions of yen

Seven Bank standalone ordinary expenses

1,200 Hundreds of millions of yen

Seven Bank standalone ordinary profit

290 Hundreds of millions of yen

Seven Bank standalone net income

200 Hundreds of millions of yen

Seven Bank standalone EBITDA

499 Hundreds of millions of yen

What the company explained in this material

Self-assessment against the planThe company's self-assessment against its own plan.

The number of domestic retail accounts, deposits and personal loan balances are all tracking in line with the plan

Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.

Exchange rate assumed in the consolidated earnings planUS$1 = ¥154.00

New initiatives

Started installing ATMs at FamilyMart, with approximately 16,000 ATMs scheduled to be installed at stores nationwide by 2030
Renewed the nanaco credit card, with the new card scheduled to become available from late August
ATM out-of-hours fee waiver campaign
Summer time deposit campaign

Key KPIsA metric the company considers important as a management benchmark.

Domestic ATM count at period-end28,614 Units
Year on year against the same period last year+532 ATMs
Total domestic ATM transactions286 Million transactions
Year on year against the same period last year+8 million transactions
Average domestic ATM transactions110.5 transactions/day/ATM
Year on year against the same period last year+1.2 transactions
ATM acceptance fee per transaction¥106.4
Year on year against the same period last year+¥0.6
Number of accounts3,502 Thousand accounts
Year on year against the same period last year+65 thousand accounts
Deposits6,429 Hundreds of millions of yen
Year on year against the same period last year+¥31.7 billion
Personal loans outstanding at fiscal year-end831 Hundreds of millions of yen
Year on year against the same period last year+¥17.1 billion
Deferred payment service transactions160.9 ten thousand items
Year on year against the same period last year+95,000 transactions
Deferred payment service transaction value276 Hundreds of millions of yen
Year on year against the same period last year+¥4.0 billion
Credit card members305 10,000 people
Electronic money members8,499 10,000 people

Unit price and quantity metricsThese figures show sales broken down by price and volume.

ATM acceptance fee per transaction¥106.4
Average ATM transactions110.5 transactions/day/ATM
Deferred payment service transactions160.9 ten thousand items
Deferred payment service transaction value276 Hundreds of millions of yen

Segment results

Domestic ATM business

Total Q1 transactions

286 Million transactions

yoy+8 million transactions

Average Q1 transactions

110.5 transactions/day/ATM

yoy+1.2 transactions

Domestic retail business

Number of accounts

3,502 Thousand accounts

yoy+65 thousand accounts

Deposits

6,429 Hundreds of millions of yen

yoy+¥31.7 billion

Personal loans outstanding at fiscal year-end

831 Hundreds of millions of yen

yoy+¥17.1 billion

Overseas Operations

United States

Ordinary revenue

79.5 Hundreds of millions of yen

Ordinary income

10.6 Hundreds of millions of yen

Indonesia

Ordinary revenue

16.6 Hundreds of millions of yen

Ordinary income

0.3 Hundreds of millions of yen

Philippines

Ordinary revenue

23.6 Hundreds of millions of yen

Ordinary income

1.3 Hundreds of millions of yen

Number of stores and locations

Domestic ATM count at period-end

28,614 Units

Year on year against the same period last year+532 ATMs

ATMs in FamilyMart stores

21 Units

As ofEnd of June 2026

Contents of this document
Item	Details
Document type	Financial results presentation
Fiscal Period Covered	First quarter of the fiscal year ending March 2027
Ordinary income	108 Hundreds of millions of yen (YoY +63.6%)
Net income	65 Hundreds of millions of yen (YoY +58.5%)
Results for the three months of the current quarter	Ordinary revenue 568 Hundreds of millions of yen / Ordinary Expenses 460 Hundreds of millions of yen / Ordinary income 108 Hundreds of millions of yen / Profit attributable to owners of parent for the quarter 65 Hundreds of millions of yen / EBITDA 174 Hundreds of millions of yen
Full-year earnings forecast	Consolidated ordinary revenues 2,355 Hundreds of millions of yen / Consolidated ordinary expenses 2,020 Hundreds of millions of yen / Consolidated ordinary income 335 Hundreds of millions of yen / Profit attributable to owners of the parent 200 Hundreds of millions of yen / Seven Bank standalone ordinary revenue 1,490 Hundreds of millions of yen / Seven Bank standalone ordinary expenses 1,200 Hundreds of millions of yen / Seven Bank standalone ordinary profit 290 Hundreds of millions of yen / Seven Bank standalone net income 200 Hundreds of millions of yen / Seven Bank standalone EBITDA 499 Hundreds of millions of yen
Self-assessment against the plan	The number of domestic retail accounts, deposits and personal loan balances are all tracking in line with the plan
Segment results	Domestic ATM business Total Q1 transactions 286 Million transactions / Average Q1 transactions 110.5 transactions/day/ATM / Domestic retail business Number of accounts 3,502 Thousand accounts / Deposits 6,429 Hundreds of millions of yen / Personal loans outstanding at fiscal year-end 831 Hundreds of millions of yen / Overseas Operations United States Ordinary revenue 79.5 Hundreds of millions of yen / Ordinary income 10.6 Hundreds of millions of yen / Indonesia Ordinary revenue 16.6 Hundreds of millions of yen / Ordinary income 0.3 Hundreds of millions of yen / Philippines Ordinary revenue 23.6 Hundreds of millions of yen / Ordinary income 1.3 Hundreds of millions of yen
Key KPIs	Indicator name Domestic ATM count at period-end / Value 28,614 Units / Year on year against the same period last year +532 ATMs, Indicator name Total domestic ATM transactions / Value 286 Million transactions / Year on year against the same period last year +8 million transactions, Indicator name Average domestic ATM transactions / Value 110.5 transactions/day/ATM / Year on year against the same period last year +1.2 transactions, Indicator name ATM acceptance fee per transaction / Value ¥106.4 / Year on year against the same period last year +¥0.6, Indicator name Number of accounts / Value 3,502 Thousand accounts / Year on year against the same period last year +65 thousand accounts, Indicator name Deposits / Value 6,429 Hundreds of millions of yen / Year on year against the same period last year +¥31.7 billion, Indicator name Personal loans outstanding at fiscal year-end / Value 831 Hundreds of millions of yen / Year on year against the same period last year +¥17.1 billion, Indicator name Deferred payment service transactions / Value 160.9 ten thousand items / Year on year against the same period last year +95,000 transactions, Indicator name Deferred payment service transaction value / Value 276 Hundreds of millions of yen / Year on year against the same period last year +¥4.0 billion, Indicator name Credit card members / Value 305 10,000 people / Year on year against the same period last year Not disclosed, Indicator name Electronic money members / Value 8,499 10,000 people / Year on year against the same period last year Not disclosed
Unit price and quantity metrics	Indicator name ATM acceptance fee per transaction / Value ¥106.4, Indicator name Average ATM transactions / Value 110.5 transactions/day/ATM, Indicator name Deferred payment service transactions / Value 160.9 ten thousand items, Indicator name Deferred payment service transaction value / Value 276 Hundreds of millions of yen
Number of stores and locations	Domestic ATM count at period-end 28,614 Units / ATMs in FamilyMart stores 21 Units / Number of store openings and closures during the period Not disclosed
Assumptions Underlying the Business Outlook	Exchange rate assumed in the consolidated earnings plan US$1 = ¥154.00
New initiatives	Started installing ATMs at FamilyMart, with approximately 16,000 ATMs scheduled to be installed at stores nationwide by 2030, Renewed the nanaco credit card, with the new card scheduled to become available from late August, ATM out-of-hours fee waiver campaign, Summer time deposit campaign

Items this document does not state (18)

Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesProgress against full-year forecastBreakdown of Factors Affecting the ChangeNumber of employeesRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsAnnual DividendPayout ratioAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / ShareKey points of the Q&A

These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.

The reasons the company gives

The company's own explanation, not something inferred from the numbers.

The full-year forecast for ordinary expenses was lowered, mainly reflecting lower depreciation, following the change in the useful life of ATMs in the domestic ATM business from 5 years to 7 years. In Q1, profit increased due to higher revenue and lower expenses at Seven Bank.

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