Initiatives to Improve Corporate Value

Capital Management of the MMP (2) Up to now [Management emphasis vis-à-vis each indicator] Capital RWA CET1 ratio*1 ROE*2 "Improving soundness" through "accumulation" of capital In the future Utilize capital to improve profitability (building a positive cycle of capital creation via capital utilization) Growth invest- ment Circulation to enhance corporate value Capital increase Up to now In the future [Target figures] Two previous MMP Previous MMP New MMP FY'19 Target results FY'22 results Target ROE increase Profitability ROE*2 8.9% 8% 7.6% Aim for 8% Financial soundness CET1 ratio*1 Approx. 10% 9.1% Approx. 10% 10% level Shareholder return Total shareholder return ratio Middle 40% 38.3% 40.6% 50% level range *1. Based on the full enforcement of the finalized Basel 3 regulations under the international standard; excluding net unrealized gains on available-for-sale securities *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) Resona Holdings, Inc. 45 45

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