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Investor Presentaiton

ROA ROE Numerical Data 3 (%) FY2016 FY2017 FY2018 FY2019 FY2020 YoY change Sep. 2016 Sep. 2017 Sep. 2018 Sep. 2019 Sep. 2020 0.27 0.24 0.25 0.23 0.21 0.23 0.22 0.18 0.14 0.13 -0.05 4.17 3.83 4.11 3.83 3.57 3.77 3.40 2.93 2.42 2.31 -0.62 Net interest margin (Domestic operation) 0.31 0.31 0.28 0.29 0.27 0.30 0.28 0.30 0.25 0.27 -0.03 Yield on interest-earning assets 1.18 1.15 1.10 1.09 1.04 1.07 1.07 1.07 0.94 0.94 -0.13 Loans 1.25 1.22 1.14 1.12 1.08 1.07 1.04 1.04 1.00 1.00 -0.04 Securities 1.30 1.26 1.25 1.24 1.16 1.26 1.40 1.42 1.05 1.07 -0.35 Total funding cost 0.87 0.84 0.82 0.80 0.77 0.77 0.79 0.77 0.69 0.67 -0.10 Deposits 0.06 0.06 0.05 0.05 0.03 0.03 0.02 0.02 0.02 0.02 0.00 ā—‹ Assets (Non-consolidated basis) (Million yen) Sep. 2016 Mar. 2017 Sep. 2017 Mar. 2018 Sep. 2018 Mar. 2019 Sep. 2019 Mar. 2020 Sep. 2020 Change from Mar. 2021 Cash and due from banks 694,488 551,352 526,257 562,846 550,020 Call loans 7,274 36,142 4,488 3,718 1,135 766,292 332 788,863 568,491 658,394 871,417 Mar. 2020 302,926 1,295 Debt purchased 8,037 8,754 8,657 9,197 9,183 9,629 9,828 Trading securities 229 Money held in trust 6,519 Securities 1,915,770 Loans and bills discounted 2,680,805 224 3,996 1,922,061 2,822,492 306 4,005 1,863,275 2,903,883 117 4,000 1,848,466 3,016,546 107 4,008 1,697,591 57 3,036,341 4,000 1,600,463 3,121,051 86 4,973 1,570,722 3,157,824 9,826 89 4,955 1,656,038 9,105 156 4,980 1,776,346 9,639 -187 -89 4,978 1,809,181 23 153,143 3,353,056 3,484,685 3,583,995 230,939 Foreign exchange 2,724 4,317 4,354 4,556 3,017 5,957 4,069 6,324 9,223 9,494 3,170 Other assets 12,321 23,123 44,572 64,147 56,764 53,223 53,153 53,777 50,827 54,870 1,093 Tangible fixed assets 35,287 34,445 34,295 34,191 33,888 33,600 33,275 32,769 31,995 31,725 -1,044 Intangible fixed assets 1,756 1,805 1,656 2,340 2,712 5,205 6,026 5,568 5,159 4,839 -729 Prepaid pension cost 4,783 4,288 4,247 4,299 4,532 4,768 5,171 5,548 5,133 4,643 -905 Deferred tax assets 1,409 -1,409 Customers' liabilities for acceptances and guarantees 17,511 16,456 16,107 14,665 16,476 16,394 14,964 14,290 14,275 13,943 -347 Reserve for possible loan losses -39,430 Reserve for investment loss -69 -37,621 -91 -36,781 -85 -34,159 -23 -34,746 -45 -36,922 -44 -37,144 -40 Total assets 5,348,009 5,391,748 5,379,241 5,534,909 5,380,989 5,584,011 5,613,067 -39,907 -38 5,672,201 -42,393 -42,190 -2,283 -36 -115 6,007,854 6,356,422 -77 684,221
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