Investor Presentaiton

Definitions Financial accounting 2 Banks Consolidated Net Business Profits Net Gains (Losses) related to ETFs and others G&A Expenses (excl. Non-Recurring Losses and others) Net Income Attributable to FG Consolidated ROE CET1 Capital Ratio (excl. Net Unrealized Gains (Losses) on Other Securities) CET1 Capital Ratio (Basel III finalization basis) Management accounting : BK + TB on a non-consolidated basis (financial accounting) : Consolidated Gross Profits - G&A Expenses (excl. Non-Recurring Losses) + Equity in Income from Investments in Affiliates and certain other consolidation adjustments Net Gains (Losses) related to ETFs (2 Banks) + Net Gains on Operating Investment Securities (SC Consolidated) : G&A Expenses (excl. Non-Recurring Losses) - Amortization of Goodwill and other items : Profit Attributable to Owners of Parent : Calculated dividing Net Income by (Total Shareholders' Equity + Total Accumulated Other Comprehensive Income (excluding Net Unrealized Gains (Losses) on Other Securities)) : Includes the effect of partially fixing unrealized gains on Japanese stocks through hedging transactions [Numerator] Calculated by excluding Net Unrealized Gains (Losses) on Other Securities and its associated Deferred Gains or Losses on Hedges [Denominator] Calculated by excluding RWA associated with Net Unrealized Gains (Losses) on Other Securities (stocks) : Estimated figures reflecting the effect of Basel III finalization. The capital floor is calculated after deducting the associated reserves from RWA using the standardized approach - Customer Groups - Markets : RBC + CIC + GCC + AMC : GMC - Consolidated Net Business Profits, Net Business Profits by In-house Company - Stable revenue - Upside Banking : Recurring customer-related revenue + ALM revenue (comprehensive management of assets and liabilities in the banking account) : Non-recurring customer-related revenue + trading-related revenue : Revenue in the banking account excluding ALM revenue As for Net Business Profits, expenses are calculated based on the expenses allocation based on initial plan. - Group aggregate - - In-house company management basis Net Business Profits by In-house Company Internal risk capital - ROE by In-house Company : BK + TB + SC + AM-One + other major subsidiaries on a non-consolidated basis : Figure of the respective in-house company : Gross Profits - G&A Expenses (excluding Non-Recurring Losses) + Equity in Income from Investments in Affiliates - Amortization of Goodwill and other items : Risk capital calculated taking account of factors such as regulatory risk-weighted assets (RWA) and interest rate risk in the banking account. Internal risk capital of RBC, CIC, GCC are calculated from Basel III finalization fully-effective basis : Calculated dividing Net Income by each company's internal risk capital

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