Investor Presentaiton

DS R&C JCIB GCB GCIB Global Markets AM/IS Vision of mass-market business Business environment Diversification of Declining and aging population with low values birthrate Advancement of Direction of mass-market business • Monetizing from a mid to long term perspective (LTV*1) is an important concept for the mass-market business • Maximize revenue from two axis: LTV x customer base Image of transaction with customer Direction for maximizing revenue Deposit Credit card Housing loan Asset management Vision digitization and real Ο value Trend of customers shifting to less fee services Revenue LTV Current O Changes in perceptions of trust and confidence Strengths and challenges. BCNB Market participation by platform operators, other industries and emerging businesses Massive bank account base Various financial services Strengths Trust and confidence Challenges Strengthening data marketing Enhance cooperation among group entities *1 Life Time Value *2 Banking as a Service High-quality operation Acquisition of new accounts Competitiveness of credit cards business Teens 30s 50s 70s Customer base Key initiatives for mass-market business Become a company that customers want to connect for life by expanding customer touchpoints and deepening customer experience • Maximize "LTV x customer base" through digital data management Expansion of customer touchpoints through BaaS*2 Challenges for "To B" business Accumulated data from "To C" business (1) Maintain and expand customer touchpoints Personalized proposal Corporate infrastructure transformation (3) Enhance data marketing and "To C" business (2) Evolve customer experience and propose LTV management personalization MUFG 5

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