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Investor Presentaiton

0.0% 2.0% Sep-06 Sep-07 Sep-08 Sep-09 Japan Source: Moody's UK Sep-10 4.0% Sep-11 Sep-12 Historical trend of delinquency and prepayment rate Delinquency rate in the Japanese RMBS market has been low supported by the strong job market and stringent underwriting practices. Current Prepayment rate of Japanese RMBS market is low compared to other developed countries. RMBS 90+ Days Delinquency 6.0% 30% Prepayment Rate Sep-13 Sep-14 Sep-15 Sep-16 Sep-17 Sep-18 Sep-19 Germany France Italy Australia Sep-20 Sep-21 Murley 4.97% 1.08% 0.68% 0.44% 0.03% 0.01% 0% 10% 20% Sep-06 Sep-07 Sep-08 Sep-09 Sep-10 Sep-11 Sep-12 Sep-13 Sep-14 Sep-15 Sep-16 Note: Japan UK Germany France UK data between Sep 2006 and May 2007 is not available Source: Moody's Sep-17 Sep-18 Sep-19 Sep-20 Copyright ©2022 Sumitomo Mitsui Financial Group. All Rights Reserved. Italy Sep-21 67 9.91% 7.14% 2.99% 2.71% 14.91%
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