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Investor Presentaiton

Capital adequacy ratio and ROE The consolidated capital adequacy ratio remained acceptable at 10.89%. Against the backdrop of a steady increase in net assets, consolidated ROE maintained at the 5% level. Trends in consolidated capital adequacy ratio and the balance of subordinated financing Trend in consolidated ROE 11.10% 11.07% 11.01% 10.89% Consolidated capital adequacy ratio -0.12 points 6.9% 5.5% 5.3% 5.0% Reference: BIS Standard 11.54% Consolidated ROE -0.3 points 482.3 484.5 462.1 Net assets (consolidated) 447.2 15.0 15.0 15.0 15.0 Balance of subordinated financing * (Billion yen) (Billion yen) End of March End of March End of March End of March 2019 2017 2018 End of March End of March End of March End of March 2017 2020 2018 2019 Net income attributable to owners of the parent [Total term-beginning balance of net assets (excluding share acquisition rights) + Total term-ending balance of net assets (excluding share acquisition rights)] /2 2020 *Redemption date: December 2021 Consolidated ROE = 30
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