Initiatives to Improve Corporate Value

(Reference) Outline of Financial Results of Customer Divisions Personal Banking Segment Actual net operating profit: Up JPY13.3 bn, YoY HD Consolidated (exclude KMFG) Corporate Banking Segment Actual net operating profit Up JPY2.8 bn, YoY (JPY bn) Gross operating profit +9.0 (JPY bn) Gross operating profit +5.7 Real estate items, Operating expenses +4.2 Segment interest Asset formation support +0.5 Real estate (0.1) Other items, net Actual net interest spread +0.3 Segment (excluding equity investments) +2.0 Corporate Trust net solution related (1.5) +0.7 Other Operating expenses (2.9) +4.2 Actual +4.4 operating profit net operating profit spread 38.3 Actual net Loans +1.1 Deposits (0.7) Foreign exchange related, etc. 136.3 +4.3 +4.1 operating Domestic exchange +1.0 Actual profit net Loans +0.1 Foreign exchange operating Deposits +4.0 profit 133.5 related, etc. +2.1 Housing loan related +1.0 25.0 +13.3 +2.8 FY2021 FY2022 Gross operating profit Segment Asset interest formation spread support Real estate Operating Other expenses 188.7 126.6 24.2 3.3 34.5 (150.4) FY2022 FY2021 FY2022 Gross operating Segment profit interest spread Real Corporate Trust estate solution related Operating Other expenses 288.7 122.1 11.5 25.3 28.2 101.5 (152.4) FY2022 Resona Holdings, Inc. 20

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