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Investor Presentaiton

Progress With Medium-term Management Plan (2) Financial Conditions TOKAI expects to achieve the plan targets for improving financial conditions by the end of the first half of FY2015 ■ The improvement in financial conditions has now exceeded the IP16 pace. TOKAI expects to achieve targets for both capital adequacy ratio and interest-bearing liabilities in FY2015, due to increased net income in FY2014 and to increased operating cash flows. 81.8 IP16 results and plan 74.1 73.1 72.5 64.7 63.1 FY2014 FY2015 FY2016 IP16 results and plan 30.1 28.6 26.1 25.7 25.1 23.0 FY2014 FY2015 FY2016 Interest-bearing liabilities (¥ billion) Capital adequacy ratio (%) * IP16 was disclosed in June 2014. Actual and Planned denote FY2014 actual results and forecasts for FY2015 (disclosed in May 2015) and FY2016 (figures disclosed in June 2014 from beginning of the period for actual results and reflecting forecasts) 7
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