Further strengthening of the ATM business and maximizing network utilization

「We will continue to advance our ATM platform strategy by evolving the social value of ATMs from a cash platform into a service platform and responding flexibly to changes in society and customer needs.」

「The replacement of all fourth-generation ATMs, which we had been undertaking since September 2019, was completed as of the end of March 2025. Fourth-generation ATMs use newly implemented functions, including identity authentication and scanning, to provide +Connect (Plus Connect), a service enabling procedures for financial institutions and others. The number of services is gradually expanding. We will continue working to expand partners and enhance the services provided, aiming to realize a world in which our ATMs, as service platforms, serve as access points for all types of procedures and authentication.」

「In addition to creating an environment in which services can be accessed anytime and anywhere, we are steadily advancing a service-platform strategy that expands the potential of ATMs through the Mynaportal information-linkage service and +Connect (Plus Connect), a service for accepting procedures for financial institutions and others at ATMs.」

「In addition to creating an environment in which services can be accessed anytime and anywhere through jointly operated ATMs and active installations outside the Group, we are steadily advancing a service-platform strategy that expands the potential of ATMs through services including applications at ATMs to use My Number cards as health insurance cards, the Mynaportal information-linkage service, and the new +Connect (Plus Connect) service for accepting various procedures for financial institutions and others at ATMs.」

「In addition to creating an environment in which services can be accessed anytime and anywhere through jointly operated ATMs and active installations outside the Group, we are steadily advancing a service-platform strategy that expands the potential of ATMs through services including applications at ATMs to use My Number cards as health insurance cards, the Mynaportal information-linkage service, and the new +Connect (Plus Connect) service for accepting various procedures for financial institutions and others at ATMs.」

「During the first nine months of the fiscal year, total ATM transactions remained above the previous year's level due to an increase in transactions with deposit-taking financial institutions and the continued steady growth in cash-charging transactions for various cashless payments using our ATMs.」

「As of the end of September 2023, the number of ATMs installed was 27,099, up 2.1% from September 2022. The average number of transactions per ATM per day during the first six months was 104.7, up 5.0% from the same period of the previous year, while total ATM transactions were 515 million, up 7.4%. As of the end of September 2023, the number of partner financial institutions and other organizations was 658 (Note), and fourth-generation ATMs totaled 15,982, up 27.8% from September 2022.」

「Although the business environment is expected to remain uncertain due to the impact of COVID-19, trends in personal consumption and other factors, we will continue pursuing an ATM platform strategy that evolves the social value of ATMs from a cash platform into a service platform and responds flexibly to changes in society and customer needs.」

「In addition to creating an environment in which services can be accessed anytime and anywhere through jointly operated ATMs and active installations outside the Group, we are steadily advancing the evolution toward ATM+, which expands the potential of ATMs through services including applications at ATMs to use My Number cards as health insurance cards, the launch of the Mynaportal information-linkage service, and the full-scale rollout of services accepting various procedures for financial institutions and others at ATMs.」

「As of the end of December 2022, the number of ATMs installed was 26,731, up 2.7% from December 2021. The average number of transactions per ATM per day during the first nine months was 101.6, up 4.8% from the same period of the previous year, while total ATM transactions were 737 million, up 7.4%. As of the end of December 2022, the number of partner financial institutions and other organizations was 641 (Note), and fourth-generation ATMs totaled 12,627, up 39.3% from December 2021.」

「As of the end of September 2022, the number of ATMs installed was 26,525, up 2.2% from September 2021. The average number of transactions per ATM per day during the first six months was 99.7, up 4.7% from the same period of the previous year, while total ATM transactions were 479 million, up 7.1%. As of the end of September 2022, the number of partner financial institutions and other organizations was 632 (Note), and fourth-generation ATMs totaled 12,496, up 51.7% from September 2021.」

「As of the end of June 2022, the number of ATMs installed was 26,364, up 2.2% from June 2021. The average number of transactions per ATM per day during the first quarter was 99.7, up 4.1% from the first quarter of the previous fiscal year, while total ATM transactions were 237 million, up 6.5%. As of the end of June 2022, the number of partner financial institutions and other organizations was 626 (Note), and fourth-generation ATMs totaled 11,558, up 54.2% from June 2021.」

「Through jointly operated ATMs and active installations outside the Group, we are creating an environment in which services can be accessed anytime and anywhere. In addition, we are steadily advancing the evolution toward ATM+ (Plus) by accepting applications at ATMs to use My Number cards as health insurance cards and launching an ATM identity verification service as a proof-of-concept trial.」

「To accelerate the evolution from a cash platform to ATM+ (Plus), we began the second phase of a proof-of-concept trial for an ATM identity verification service on 29 November 2021. In the second phase, in addition to use for procedures at financial institutions, we are testing applications by non-financial companies, such as identity verification registration for secondhand transactions and advance hotel check-in. Including the first phase, trials are currently under way with 6 companies.」

「Although the business environment is expected to remain uncertain due to the impact of COVID-19 and other factors, we will continue pursuing an ATM platform strategy that evolves the social value of ATMs from a cash platform into a service platform and responds flexibly to changes in society and customer needs.」

「We will continue pursuing an ATM platform strategy that evolves the social value of ATMs from a cash platform into a service platform and responds flexibly to changes in society and customer needs.」

「We will continue pursuing an ATM platform strategy that evolves the social value of ATMs from a cash platform into a service platform and responds flexibly to changes in society and customer needs.」

「As of the end of December 2020, the number of ATMs installed was 25,548, up 1.3% from the end of December 2019. The average number of transactions per ATM per day during the first nine months was 89.9, down 2.4% from the same period of the previous year, while total ATM transactions were 624 million, down 2.3%. As of the end of December 2020, the number of partner financial institutions and other organizations was 611 (Note), and replacement installations of fourth-generation ATMs were progressing steadily, reaching 4,594 units as of the end of December 2020.」

「Under the My Number Point program implemented by the Ministry of Internal Affairs and Communications, we were selected as a private-sector provider of application support terminals and began accepting applications for My Number Points at our ATMs in August 2020. As of the end of September 2020, the number of ATMs installed was 25,382, up 0.1% from the end of September 2019.」

「As of the end of June 2020, the number of ATMs installed was 25,260, unchanged from June 2019. The average number of transactions per ATM per day during the first quarter was 85.4, down 4.6% from the first quarter of the previous fiscal year, while total ATM transactions were 195 million, down 4.8%. As of the end of June 2020, the number of partner financial institutions and other organizations was 613 (Note).」

「To encourage more customers to use our ATM services, in addition to providing services to partners traditionally centered on financial institutions, we have responded to changing customer needs by providing services such as charging transportation e-money and QR-code payments. We will continue implementing measures to increase both partner businesses and customers who use our services.」

「We continued pursuing new partnerships with non-financial funds transfer service providers and others as a new category to further expand ATM usage. As cash-charging transactions for various cashless payments using our ATMs increased significantly, mainly due to the expansion of cashless payments accompanying the Cashless Consumer Rebate Program launched in October 2019, total ATM transactions during the first nine months were 638 million, up 1.0% from the first nine months of the previous fiscal year. As a result of these initiatives, the number of partner financial institutions and other organizations totaled 614 as of the end of December 2019. The number of ATMs installed was 25,207, up 1.2% from the end of December 2018.」

「During the first six months of the fiscal year, we continued pursuing new partnerships with non-financial funds transfer service providers and others as a new category to further expand ATM usage, and began ATM usage for PayPay in July 2019. As a result, as of the end of September 2019, our partners comprised 124 banks, 255 credit unions, 125 cooperative financial institutions, 13 labor banks, 1 JA Bank category, 1 JF Marine Bank category, 1 Shoko Chukin Bank, 10 securities companies, 7 life insurance companies, and 77 other financial institutions and organizations, for a total of 614 (Note).」

「We continued actively pursuing new partnerships with non-financial funds transfer service providers and others as a new category to further expand ATM usage. In June 2019, we began ATM usage for au WALLET, bringing the number of partner financial institutions and other organizations to 617 as of the end of June 2019. As a result of these initiatives, the number of ATMs installed as of the end of June 2019 was 25,252, up 3.0% from June 2018. However, affected by revisions to ATM usage fees by some partner financial institutions and other factors, the average number of transactions per ATM per day during the first quarter was 89.6, down 4.4% from the first quarter of the previous fiscal year, while total transactions were 205 million, down 1.4%.」

「For ATM installations, we expanded within the Group in line with new Seven-Eleven store openings, steadily increasing the number of units. Outside the Group, we continued actively installing ATMs at transportation, retail and tourism facilities in response to customer needs. In March 2019, as part of a broad-area outsourcing contract from The Nanto Bank, we simultaneously installed 5 jointly operated ATMs around major terminal stations in Nara and Osaka prefectures. As a result of these initiatives, the number of ATMs installed reached 25,152, up 3.1% from the end of the previous consolidated fiscal year.」

「In the domestic business, ordinary revenue was ¥91,278 million, up 3.3% from the first nine months of the previous fiscal year, and ordinary profit was ¥34,178 million, up 4.6%. In addition to continuing to actively promote ATM installations at Seven & i Holdings Group companies and elsewhere, we began charging transportation e-money and other services in October 2018 as a new ATM usage format unconstrained by conventional concepts, in order to further expand ATM usage. These initiatives steadily increased total transactions, resulting in higher revenue and higher profit.」

「In the domestic business, ordinary revenue was ¥60,498 million, up 3.9% from the first six months of the previous fiscal year, and ordinary profit was ¥22,802 million, up 5.9%. In addition to continuing to actively promote ATM installations at Seven & i Holdings Group companies and elsewhere, we continued promoting ATM usage by non-financial institutions, including funds transfer service providers with which we formed usage partnerships as a new category, to further expand the number of ATM users. These initiatives steadily increased total transactions, resulting in higher revenue and higher profit.」

「In addition to continuing to actively promote ATM installations at Seven & i Holdings Group companies and elsewhere, we promoted ATM usage by non-financial institutions, including funds transfer service providers with which we formed usage partnerships as a new category, to further expand the number of ATM users. These initiatives steadily increased total transactions, resulting in higher revenue and higher profit.」

「Positioning our nationwide infrastructure of more than 24,000 ATMs as a platform, we will implement measures to increase both partner businesses and customers who use our services. To encourage more customers to use our ATM services, in addition to enhancing services for partners traditionally centered on financial institutions, we have begun providing services to new entrants in the payments sector. We will continue working to develop new markets, including preparations to provide the new Cash Receipt Service, which is intended to create new ways of using ATMs unconstrained by conventional concepts.」

「During the first nine months of the fiscal year, we continued working to improve convenience for customers using ATMs by promoting ATM installations at Seven & i Holdings Group companies and elsewhere. As a result, the number of ATMs installed as of the end of December 2017 was 24,032, up 2.8% from the end of the previous fiscal year. The average number of transactions per ATM per day during the first nine months was 95.3, down 1.6% from the first nine months of the previous fiscal year, while total transactions were 618 million, up 2.0%. As of the end of December 2017, the number of partner financial institutions and other organizations was 602 (Note).」

「To enhance our ATM services, we are expanding partnerships with ATM users in new categories. During the first six months of the fiscal year, we newly entered into a partnership with SoftBank Payment Service Co., Ltd. As a result, as of the end of September 2017, our partners comprised 124 banks, 261 credit unions, 129 cooperative financial institutions, 13 labor banks, 1 JA Bank category, 1 JF Marine Bank category, 1 Shoko Chukin Bank, 12 securities companies, 8 life insurance companies, and 52 other financial institutions and organizations, for a total of 602. The number of ATMs installed was 23,873, up 2.1% from the end of the previous fiscal year, while total transactions were 409 million, up 1.9% from the first six months of the previous fiscal year.」

「During the first quarter of the fiscal year, we continued working to improve convenience for customers using ATMs by promoting ATM installations at Seven & i Holdings Group companies and elsewhere. As a result, the number of ATMs installed as of the end of June 2017 was 23,553, up 0.7% from the end of the previous fiscal year. The average number of transactions per ATM per day during the first quarter was 95.7, down 1.7% from the first quarter of the previous fiscal year, while total transactions were 203 million, up 2.0%. As of the end of June 2017, the number of partner financial institutions and other organizations was 601 (Note).」

「During the fiscal year, we continued working to improve convenience for customers using ATMs by actively promoting ATM installations at Seven & i Holdings Group companies and elsewhere.」

「During the first nine months of the fiscal year, we continued working to improve convenience for customers using ATMs by promoting ATM installations at Seven & i Holdings Group companies and elsewhere. As a result, the number of ATMs installed as of the end of December 2016 was 23,177, up 3.1% from the end of the previous fiscal year. As of the end of December 2016, the number of partner financial institutions and other organizations had increased by 4 from the end of the previous fiscal year, to 599 (Note), as a result of new partnerships.」

「During the first six months of the fiscal year, we continued working to improve convenience for customers using ATMs by actively promoting ATM installations at Seven & i Holdings Group companies and elsewhere. As a result, as of the end of September 2016, our partners comprised 124 banks, 261 credit unions, 129 cooperative financial institutions, 13 labor banks, 1 JA Bank category, 1 JF Marine Bank category, 1 Shoko Chukin Bank, 11 securities companies, 8 life insurance companies, and 48 other financial institutions and organizations, for a total of 597. The number of ATMs installed was 23,029, up 2.4% from the end of the previous fiscal year.」

「During the first quarter of the fiscal year, we continued working to improve convenience for customers using ATMs by promoting ATM installations at Seven & i Holdings Group companies and elsewhere. As a result, the number of ATMs installed as of June 2016 was 22,686, up 0.9% from the end of the previous fiscal year. As of the end of June 2016, the number of partner financial institutions and other organizations had increased by 1 from the end of the previous fiscal year, to 596 (Note), as a result of a new partnership.」

「In the ATM business, in addition to approaching financial institutions with which we do not yet have partnerships, we will work to maximize utilization of the ATM network by providing new services to existing partner financial institutions. We will continue steadily expanding installations within the Group while actively rolling them out outside the Group.」