Initiatives to Improve Corporate Value

Reflection on the Previous Medium-term Management Plan (FY'20 - FY'22) Made steady progress in promptly tackling foreign bond portfolio management and other issues despite our struggles with profit- related challenges in the first two years Our CET1 ratio reached "Approx. 10%", laying the groundwork for the future shift to a new phase of capital utilization While we failed to meet our target for ROE, we halted the ongoing downward trend and now aim for further improvement through capital utilization FY'19 Act FY'20 FY'21 FY'22 FY'22 Act. Act. Act. MMP (JPY bn) Net income 160.4 160.0 152.4 attributable 124.4 ROE*2 to owners of 109.9 parent FY'19 FY'20 FY'21 Act. Act. Act. FY'22 Act. FY'22 MMP 8.91% 8% level 7.66% 6.88% 5.63% (JPY bn) 17.0 22.2 Approx. 10% 10% level 20.0 11.2 KMFG 3.9 CET1 ratio*3 Approx. 9.1% Approx. 9.0% Approx. 9.3% 34.6% 34.7% Over 35% Consolidated fee income 28.8% ratio 29.9% ESG index selected by GPIF Adopted for all indices Aim to be adopted for all indices 31.1%*1 32.4%*1 (domestic stock)*4 69.1% (Reference) 67.4% (JPY bn) 138.1 Consolidated cost income ratio 65.0% 129.9 63.3% Third consecutive 60% level 115.6 116.3 Core income year of profit 62.2%*1 62.9%*1 growth *1. Excluding impact of restore soundness of securities portfolio *2. Net income attributable to owners of parent / Total shareholders equity (simple sum of the balance at the beginning and the end of the term/2) *3. Based on the full enforcement of the finalized Basel 3 regulations under the international standard; excluding net unrealized gains on available-for-sale securities *4. FTSE Blossom Japan Index, FTSE Blossom Japan Sector Relative Index, MSCI Japan ESG Select Leaders Index, S&P/JPX Carbon Efficient Index series, MSCI Japan Empowering Women Index and Morningstar Japan ex-REIT Gender Diversity Tilt Index, Resona Holdings, Inc. 24

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