Bank of the Ryukyus Management Briefing for FY2014 › common › uploads-archives › 2016 › 02...

By Chie Tengan

Winner of the 23nd (fiscal 2014) Bingata Design Contest presented by the Bank of the Ryukyus

Bank of the Bank of the RyukyusRyukyus Management BriefingManagement Briefing

for FY2014for FY2014

The Financial and Economic Environment of Okinawa Prefecture

■Overview of Okinawa Prefecture

Savings per Household

Prefectural Income (per person)

Divorce Rate* Per 1,000 of population 2.59 divorces (worst in Japan, 2013)

Population growth rate 0.44% (Ranked second in Japan, 2013)* No. 1 ranked Tokyo: 0.53%

Forecast rate of economic growth

1.07% (highest in Japan: 2007-2020 forecast rate of real economic growth (Japan Center for Economic Research))

(Source: ALL NIPPON AIRWAYS CO., LTD)

Sources: Okinawa Prefecture, Cabinet Office, Ministry of Internal Affairs and Communications

1% EconomyJapanese Resorts

●Global Resorts

¥2.03 million (worst in Japan, 2012)* National average: ¥2.97 million

¥6.28 million (worst in Japan, 2014)* No. 1 ranked Tokyo Metropolitan Area: ¥25.15 million

National average: ¥17.98 million

●Beach Resorts & Business Resorts

■Regional Economic Climate Chart (May 2015)2014 2015

May ～ May Personal consumption

Residential construction

Facility investment Public works Exports Production

activities Tourism Employment conditions

HOKKAIDOAREA

TOHOKUAREA

KANTOARE

KOSHINETSUAREA

HOKURIKUAREA

TOKAIAREA

KINKIAREA

CHUGOKUAREA

SHIKOKUAREA

KYUSYUAREA

OKINAWAPREFECTURE

Source: Regional Banks Association of Japan

■Economic Trends (Bank of Japan Tankan)

Bank of Japan Tankan

-60

-50

-40

-30

-20

-10

0

10

20

30

40

Feb.’92 Feb.’93 Feb.’94 Feb.’95 Feb.’96 Mar.’97 Mar.’98 Mar.’99 Mar.’00 Mar.’01 Mar.’02 Mar.’03 Mar.’04 Mar.’05 Mar.’06 Mar.’07 Mar.’08 Mar.’09 Mar.’10 Mar.’11 Mar.’12 Mar.’13 Mar.’14 Mar.’15

Japan OkinawaMar.2015

+24

Mar.2015+7

（ Business condition diffusion index : Strong-Week）

Source: Bank of Japan, Naha Branch* Drawn up using “new base” numerical values from December 2014

Level exceeded 20 over five periods for first time in 23 years

■Projected Population

Projected Population

100.0 101.0

100.0103.5

106.9109.4 110.7 111.3 111.0 110.3 109.2 107.5

101.7 101.9 100.898.8

92.889.2

85.4

96.0

65

75

85

95

105

115

1995 2000 2005 2010 2015 2020 2025 2030 2035 2040

Japan Okinawa（1995＝100）

Okinawa Prefecture’s population is projected to increase for the foreseeable future

Peak

10 Years

(Source: Prepared from census figures provided by Japan’s Ministry of Internal Affairs and Communications through to 2010 as well as estimates for 2015 and beyond provided by the National Institute of Population and Social Security Research)

■Projected Population

Okinawa Prefecture Popuration Trends

0

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1,400,000

1,600,000

1980 1985 1990 1995 2000 2005 2010 2015 2020 2025 2030 2035 2040

Total population

Working-age population

Elderly population

Youth population

Estimated value

(References) Compiled from National Population Census (Ministry of Internal Affairs and Communications), Regional Population Projections for Japan , March 2013 projections(National Institute of Population and Social Security Research)

Actual values

Working-Age Population Already in Decline(Persons)

■Employment

Trends in the overall unemployment rate

3.6%

5.4%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

9.0%

1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

Japan

Okinawa

Improving trend in Employment

(Source: Labor force survey by Japan’s Ministry of Internal Affairs and Communications)

Aeon Mall Okinawa Rycom opened April 25, 2015

■Trends in Land PricesUpward trend in prices within the Prefecture for both commercial- and residential-use land

Commercial-use land (YoY)

+0.8%

-12.0%

-10.0%

-8.0%

-6.0%

-4.0%

-2.0%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

Jan.1991 Jan.1994 Jan.1997 Jan.2000 Jan.2003 Jan.2006 Jan.2009 Jan.2012 Jan.2015

Japan Okinawa

0.0％

Residential-use land (YoY)

+0.6%

-12.0%

-10.0%

-8.0%

-6.0%

-4.0%

-2.0%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

Jan.1991 Jan.1994 Jan.1997 Jan.2000 Jan.2003 Jan.2006 Jan.2009 Jan.2012 Jan.2015

Japan Okinawa

-0.4％

(Source: Land prices published by Japan’s Ministry of Land, Infrastructure, Transport and Tourism)

Actual and forecast numbers of international tourists by arrival point

177.3304.1

475.3620

74482

204

355

535

109

149.7

199

248

50.3

85

134

101

149

22.862.3

60.9

277

528

940

1,360

1,809

0

200

400

600

800

1,000

1,200

1,400

1,600

1,800

2,000

1980 1995 2010 2020 2030

（Millions）

Middle East

Africa

America

Asia-Pacific

Europe

Estimated values　Actual values

■Long-Term Forecasts for Tourists from Overseas

(Source) United Nations World Tourism Organization (UNWTO)

In 2013, the global number of overseas tourists is expected to reach 180 million

■Tourism

251 230 284 280 376

5,793 5,420 5,5705,135

5,4595,862

6,164

550 893

436.4

390.4407.0

373.4390.5

433.9

6,0465,650 5,855

5,415

7,058

6,413

5,835

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

2008 2009 2010 2011 2012 2013 2014

(Thousands)

0

50

100

150

200

250

300

350

400

450

500(Billions of Yen)

Visitors from overseas (Left scale) Visitors from other parts of Japan (Left scale) Revenues from tourism (Right scale)

(12.7%)(8.6%)(5.2%) (6.5%)(4.1%) (4.9%)(4.2%)

(87.3%)

(91.4%)

(93.5%)(94.8%)

(95.9%) (95.1%)(95.8%)

（Source: Statistical overview of the number of tourists entering Okinawa Prefecture）

For two years in succession, visitor numbers to Okinawa have been all-time highs of more than 7 million!

？

* Figures inside ( ) show rate of increase

Financial Results for FY2014

■Financial Highlights

* The above-mentioned “consolidated net income for fiscal year ending March 2016” is “net income for the period attributable to parent company shareholders.”

On consolidated basis, record highs for ordinary revenue/ordinary income

On non-consolidated basis, increased revenue and earnings for two consecutive periods

On consolidated basis, record highs for ordinary revenue/ordinary income

On non-consolidated basis, increased revenue and earnings for two consecutive periodsResultsResults

DividendsDividends Dividend increase planned for first time in four years

Annual cash dividend of 35 yen per share (increase of 5 yen)

Dividend increase planned for first time in four years

Annual cash dividend of 35 yen per share (increase of 5 yen)

TopicsTopics Ryukyu Leasing Co., Ltd. made into consolidated subsidiaryLoan interest increased for first time in five periodsConsolidated net income for fiscal year ending March 2016 expected to be all-time high

Ryukyu Leasing Co., Ltd. made into consolidated subsidiaryLoan interest increased for first time in five periodsConsolidated net income for fiscal year ending March 2016 expected to be all-time high

■Factors Contributing to Non-consolidated /Consolidated Differences in Net Income for Current Fiscal Year

Factors Contributing to Non-consolidated/Consolidated Differences in Net Income for Current Fiscal Year

4,296

5,553

1,067

559 -120-250

Non-connsoridated Connsoridated

（Millions of Yen)

Non-consolidated/consolidated scale factor attributable to making Ryukyu Leasing a consolidated subsidiary: 1.29 times

+ ¥1,257 millionGain on negative goodwill

Total profit from subsidiaries

Minority interest

Others

4.2

3.4

2.42.3

4.2

0

1

2

3

4

5

6

End Mar.'11 End Mar.'12 End Mar.'13 End Mar.'14 End Mar.'15

(Billions of Yen）

■Factors Behind the Change in Net Income (Non-Consolidated)

Factors Behind the Change in NetIncome (Non-Consolidated)

4,296

931

603

3,414

7149

-808

End Mar.'15End Mar.'14

(Millions of Yen)

　

Increase in total income taxes

Others

Increase in earnings due to such factors as increase in net business profits, decrease in credit limit costs

Decrease in net credit costs

Increase in real net business profit

Improvem

ent in gains/losses on shares

+ ¥882 million

7.0 7.27.8

8.59.1

0

1

2

3

4

5

6

7

8

9

10

11

12


(Billions of Yen)

■Factors Behind the Change in Real Net Business Profit (Non-Consolidated)

Factors Behind the Change in Real Net BusinessProfit (Non-Consolidated)

354

217166

12778

8,564 9,167

-339

End Mar.'15End Mar.'14

(Millions of Yen)

Decrease in interest on deposits

Increase in service profit

Increase in interest on loans and bills discounted

Increase in interest anddividend incom

e on securities

Increase in expenses

Others

Four consecutive periods of increases due to such factors as increases in interest and dividends on securities

+ ¥603 million

■Loans (Non-Consolidated)

■Loans (Non-Consolidated)

120.7

694.5518.7 540.3 572.3 611.1 649.1

584.0

566.0542.3

529.7520.7

559.7

124.7 127.9 114.5109.7

121.1

13,9921,330.0

1,209.5 1,210.6 1,216.6 1,241.6

0

200

400

600

800

1,000

1,200

1,400

End Mar.'10 End Mar.'11 End Mar.'12 End Mar.'13 End Mar.'14 End Mar.'15

(Billion of Yen)

Corporations

Indiv iduals

Local publicauthoritiesand other

Favorable increases in both private and corporate businesses

1,399.2

Business Loans (Non-Consolidated)

246.0 265.9 298.7 320.7 349.4

114.1 108.9 104.2 102.2 105.9 97.376.6 69.3 62.5 60.4 59.8 59.153.4 52.0 53.8 49.6 61.8 67.769.8 67.7 65.0 50.252.5 49.5

175.9 163.8 153.6 144.3151.6 166.5

254.6

736.0 716.5 705.3 705.67,525

789.8

0

200

400

600

800

1,000


(Billions of Yen)

Real estate, rental and leasing Wholesale and retail Construction Medical and welfare Manufacturing Others

■Business Loans (Non-Consolidated)

* Individual business loans are handled in a different manner and as such data does not reconcile with data for loans to corporations on page 16

Increase mainly in loans to the real estate sector including apartment loans as well as the medical and welfare sector

Medical and welfare

Real estate, rental and leasing

■Estimates of the Number of Households

Estimates of the Number of Households

100.0

106.5100.0

110.3

120.8

128.9135.1

139.6143.0 145.5

111.7114.5 115.2 114.8

111.1113.5

65

75

85

95

105

115

125

135

145

1995 2000 2005 2010 2015 2020 2025 2030

Japan Okinawa（1995＝100）

Continued increase in the number of households

Peak

(Source: Prepared from estimates as of March 2014 provided by the National Institute of Population and Social Security Research)

■Consumer Loans (Non-Consolidated)

* Data does not include individual business loans and as such does not reconcile with data for loans to individuals on page 16* Figures inside ( ) show rate of increase

Consumer Loans (Non-Consolidated)

310.6 323.6 347.1 370.4 390.7

382.2406.2

430.7454.9

476.1

406.5

58.8 58.659.0

60.364.1

69.6

369.4

0

50

100

150

200

250

300

350

400

450

500


(Billions of Yen)

Favorable increase due to sales of new products and other factors

（4.0％）

（8.5％）

（6.7％）（7.3％）

（4.2％）

（5.5％）

（4.3％）

（6.3％）

（▲0.3％）（0.7％）

（0.2％）

（2.3％）

Other loans

Mortgage loans

■Deposits (Non-Consolidated)

Deposits (Non-Consolidated)

529.2126.2

141.0165.2

129.3161.9

179.4

1,021.7 1,087.2 1,155.9

1,199.6

1,226.2 12,585

376.1412.4

437.7468.8 494.6

1,882.8

1,524.11,640.7

1,758.9 1,797.8

0

200

400

600

800

1,000

1,200

1,400

1,600

1,800

2,000

2,200


(Billions of Yen)

(4.5%)(4.7%)

(2.2%)(7.2%)

(7.7%)

(7.3%)

Increases in personal, corporate and public funds, exceeding ¥1,900 billion yen

* Figures inside ( ) show rate of increase

Corporations

Individuals

Public funds1,967.2

■Assets in Custody (Non-Consolidated)

79.0 69.7

38.0 28.1

79.970.2

62.066.8

61.569.9

36.9

40.7

47.038.3

45.555.5

51.6 64.5

162.5

151.1150.7164.6

180.7195.9

0

50

100

150

200


（Billions of Yen）

* Single-premium insurance: Contract value of single-premium individual pension insurance, single-premium whole life insurance, and single-premium medical care insurance* Not simply comparable as the aggregation method for single-premium insurance up to and including March 31, 2012, was different to that from March 31, 2013, onward

Balance of assets in custody increased due to favorable sales of insurance and investment trusts

Cumulative sales total Balance

Aggregation method for single-premium insurance

(25.0%)

(13.6%)

(▲26.0%)

* Figure within ( ) for March 31, 2014, shows rate of increase

(7.5%)

Single-premium insurance

Investment trusts

JGBs

■Securities (Non-Consolidated)

Securities (Non-Consolidated)

180.5223.3

304.6251.5 279.2 262.9

122.7

29.0

26.4

22.6 15.3

107.7

176.5 187.5204.0

58.3

102.013.5

16.1 12.619.4

13.1

16.6

29.0

577.6525.5

456.1466.2

365.4

284.5

0

100

200

300

400

500

600

700

800


（ Billions of Yen）

Balance buildup while operations diversified

Other (foreign bonds, etc.)

Local government bonds

Bonds

JGBs

■Earnings Forecasts for FY2015 (Non-Consolidated)


Four consecutive periods of increased earnings forecast for current fiscal year

39.137.5 37.9 38.7 38.7

5.2 4.56.3

8.0 7.3

2.3 2.4 3.4 4.2 4.8

0.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

40.0

45.0

FY2011 FY2012 FY2013 FY2014 FY2015 (Forecasts)

Ordinary revenue

Net income

Ordinary profit

■Earnings Forecasts for FY2015 (Consolidated)Significant increase in earnings ultimately expected following the making of OCS, Ltd. into a subsidiary

40.5 39.3 39.9

55.057.4

5.7 5.6 7.49.5 8.9

2.3 2.74.9 5.5

9.9

0.0

10.0

20.0

30.0

40.0

50.0

60.0

FY2011 FY2012 FY2013 FY2014 FY2015 (Forecasts)

Net income

Ordinary profit

Ordinary revenue

* “Consolidated net income for fiscal year ending March 2016” is “net income for the period attributable to parent company shareholders.”


Bank of the Ryukyus Strategy

■Long-Term Vision

Providing Our Customers with the Three “S’s” (Value)

By providing value that is unmatched by other financial institutions and unique to us, we aim to remain “the Bank of the Ryukyus Group that is our customers’ bank of preference and enjoys the overwhelming support of the local community.”

Providing zero lead-time services

A partner that sympathizes with customers’ thoughts and feelings

SympathySympathy

SpeedSpeed

The Bank of the Ryukyus Group that is our customers’ bank of preference and enjoys

the overwhelming support of the local community.”

Unique solutions from a bank that possesses local knowledge

SolutionSolution

■Strategic Systems

Firm stance on compliance with laws, etc., strengthening of risk management, governance

A bank that is cherished and enjoys the trust of those in the local area and contributes to the development of local communities

While providing the three “S’s,” the Bank of the Ryukyus Group is our customers’ bank of preference and enjoys the overwhelming support of the local community

Promote comprehensive trading by building solid customer relations

Rebuild value creation capabilities by strengthening IT/human resources, etc.

Growth Strategies

Capability Strategy

Management Philosophy

Long-Term Vision

Speed Solution Sympathy

Shared Value 2015-Establishing value provided to customers by displaying the Group’s comprehensive capabilities-

(April 2015 to March 2018)

New Medium-Term Management Plan

■New Medium-Term Management Plan (April 2015 to March 2018)

Shared Value 2015－Establishing value provided to customers by displaying the Group’s comprehensive capabilities－

Boost growth strategies

Corporate Business StrategyGrowth Strategies

Promote comprehensive trading by building solid customer relations

‐Review BPR/organizations from perspectives that maximize customer relations‐

‐Create business opportunities that utilize information‐

‐Strategic rebuilding of human resources and promotion of diversity‐

‐Provide one-stop services that leverage Group capabilities－

Capability StrategyRebuild value creation capabilities

by strengthening IT/human resources, etc.

Individual Business Strategy

‐Provide growth-field support and comprehensive solutions‐

‐Establish life-plan sales stance by omni-channel processes‐

Group Strategy

IT/Sales Information Strategy

Organizational / Business Process Reengineering

(BPR) StrategyHuman Resource Strategy

In top class of nationwide banks in terms of number of holders of medical manager examination qualifications

■Medical/Welfare Field (Corporate Business Strategy)

52.053.8

49.6

61.8

67.7

40

45

50

55

60

65

70



Medical and Welfare PromotionGroup established December 2014

Trends in Outstanding Loans for Medical/Welfare Field Development of Human Resources Familiar with Medical Management

Holding of Medical Seminars

Based on declining birth rate and growing proportion of elderly people, strengthen support systems geared toward medical/welfare field

■Support for Ryugin Sixth Industrialization Fund (Corporate Business Strategy)Proactively support business development, etc. by Ryugin Sixth Industrialization Fund

Fund Composition

Bank of the Ryukyus

Agriculture, Forestry and Fisheries Fund Corporation for Innovation,

Value-chain and Expansion Japan (A-FIVE)

Yamada Business Consulting Co., Ltd.

Ryugin Sixth Industrialization

Fund¥500 million

Agricultural, forestry, and fishery business operators

Partner corporations

Holding of Seminars

Capital injection

NOMURA Agri-Planning and Advisory

Moku Moku Rural Industry Research Laboratories Co., Ltd.

Seminars held at five venues in

Okinawa, including Sakishima Islands

First Project

Utilizing the manufacture and sale of Japanese food for followers of Islam as well as logistics hub to export to Southeast Asia

Agricultural Business Revitalization Seminars

2nd There is still time!

Ryugin Sixth Industrialization Fund and Halal Market

Limited liability associationmember

Bank of the Ryukyus

Three other Okinawa banks for deposits Collaboration

■Support for Manufacturing (Corporate Business Strategy)

Okinawa Manufacturing Promotion Fund

Injection of capital into fund to support manufacturing industry development in Okinawa

Okinawa Manufacturing

Promotion Fund

¥1,525 million

Collaboration

State

Capital injection

Prefecture

Subsidies

Public corporation

Assistance payments

Experts from Okinawa/outside Okinawa

Capital injectionManagement support

First Project

Point Pyuru Company LimitedStrengthening domestic and overseas sales of mainstay products from Okinawa Prefecture and natural cosmetic products from Kume Island

■ Industry-Academia Collaboration (Corporate Business Strategy)

Industry-Academia-Government Partnership Agreement with University of the Ryukyus

Utilizing Bank of the Ryukyus networks to match University of the Ryukyus with local companies

Areas of joint research：Composition (mixing) of concrete repair material made with fly ash (coal ash) and performance-related research, including resistance to salt damage

Zero-emission Technology Okinawa

First Project

in Okinawa

Seeds of Each Faculty’s Research

I want to make use of my foreign language knowledge

Find out about latest management strategies/theories

Provision of new technologies/intellectual property

I need personnel capable of dealing with overseas customers

I want to boost sales

I want the latest technology

Sales Store Trading Needs

Okinawa-based Organization for the Promotion of Industry, University and Government Collaboration

Bank of the Ryukyus Consulting Sales Department

Objectives

New products, business creation, human resource hiringNew products, business creation, human resource hiring

■Sales Channel Expansion Support (Corporate Business Strategy)

【Overview】

Participating companies

68 Companies◇Operators of food-related businesses 49◇Tourism company operators 19

Invited buyers 29 Companies◇Operators of food-related businesses 26◇Tourism company operators 3

Third Business Forum to Convey Okinawa’s Culinary and Visual Charms Held June 4

Support for overseas development by joint holding of business forum by three Okinawanfinancial institutions

■Overseas NetworksBuilding frameworks capable of responding to various overseas development needs

Nippon Asia Halal Association

JETRO Singapore Representative Office

Chinatrust Financial Holding Co.,Ltd (Taiwan)

Halalbusiness support

Overseas development

support

Foreign bank partners

Bank of the Ryukyus

Okinawa Prefectural International Logistics and Commerce Division

Okinawa Prefectural International Logistics and Commerce Division

Okinawa Prefectural Government Hong Kong Representative Office

Okinawa Prefectural Government Hong Kong Representative Office

Nippon Export and Investment Insurance

DBJ Asia Financial Support Center

Aioi Nissay Dowa Insurance Co.,LtdAioi Nissay Dowa Insurance Co.,Ltd

Mitsui Sumitomo Insurance Company, LimitedMitsui Sumitomo Insurance Company, Limited

Tokio Marine & Nichido Fire Insurance Co., Ltd.Tokio Marine & Nichido Fire Insurance Co., Ltd.

Joint Stock Commercial Bank for Foreign Trade of Vietnam

Metropolitan Bank and Trust Company (Philippines)

Metropolitan Bank and Trust Company (Philippines)

Kasikornbank PCL. (Thailand)

MHC Co., Ltd.MHC Co., Ltd.

Brand Research Institute, Inc.Brand Research Institute, Inc.

Halal Japan Business Association

Employee dispatch

An Okinawan Bank First!

■Expansion of Product/Service Lineups (Individual Business Strategy)

Products that meet customer needs

An Okinawan Bank First!

Expansion of product/service lineups in tune with customers’ varying life plans

Cashback loan sales commenced January 2015!

Reverse mortgage sales commenced March 2015!!

An Okinawan Bank First!Pet insurance sales commenced June 2015!!!

Hugely Popular

■Group StrategyProvide comprehensive services that leverage Group capabilities

April 2014Ryukyu Leasing Co., Ltd. made consolidated subsidiary

April 2015Okinawa Credit Service Co., Ltd. made wholly owned subsidiary

April 2014Ryugin Hosho Co., Ltd . made wholly owned subsidiary

Ryukyu Leasing Co., Ltd.

Okinawa Credit Service Co., Ltd.

Ryugin Hosho Co., Ltd.

Ryugin DC Co., Ltd. Ryugin Research Institute., Ltd.

Ryugin Business Service Co., Ltd.

Ryugin Office Service Co., Ltd.*

■IT/Sales Information Strategy

SNSTel

Range of workplaces

Branch / Loan Center

Home visits

Mobile

PC

Seminar

Evolution of One-to-One marketing

May 2015 Ryugin Azukari Archive fully operational at all branches

May 2014 BankNeo sales support system fully operational

From February 2014 Distribution of iPad600 devices

April 2015 Introduction of mobile printers

Multi-Channel

Omni-Channel

Sales support systems

■Organizational/Business Process Reengineering (BPR) StrategyDevelop branches that make customers feel at home

Café Sty

le

Chatan Loan Center opened September 2013

Makabi Branch opened March 2013

Ohjana Branch openedFebruary 2015

■ Human Resource Strategy

3338

4557

1920

24

233

35

4

25

25

21

2

1

1

3

0

20

40

60

80

100

120

140

End Mar.'12 End Mar.'13 End Mar.'14 End Mar.'15

(Staff)

Personal PropertyAssessment Adv isors

Medical ManagementConsultants

Small/Medium EnterpriseConsultants

FP1 Class

AgriculturalManagement Adv isors

Dispatch of individual award winners for overseas training

Of the 10 award winners in fiscal 2014, seven were

women

Train human resources who have provided expertise based on high level of their capabilitiesTrends in Numbers of Professionally Qualified Personnel

Azukari Archive Meisters

All enquiries regarding this presentation should be addressed to:Bank of the Ryukyus,Limited

General Planning DepartmentTelephone: +81-98-860-3787

Fax: +81-98-862-3672E-mail: [email protected]

The information in this presentation is on a non-consolidated basis unless otherwise specified.

Information is based on summaries of published data, and some totals presented in this presentation may not add up due to rounding.

This material contains information about the future(forward-looking information)such as forecasts, outlooks, objectives and plans concerning the Bank. The forward-looking information was created based on information available as of May 14,2015 and does not represent a guarantee of future performance. Certain assumptions and hypotheses are used for the description of forward-looking information, but these assumptions and hypotheses could be inaccurate from an objective perspective and may not materialize in the future. Forward-looking information involves risks and uncertainties, and we ask readers to refer to the brief notes on the settlement of accounts and securities report of the Bank for more details. The Bank will not update the forward-looking information contained in this material.

■About This Presentation

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