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Investor Presentaiton

Loans to SMEs and personal loans The average balance of loans to SMEs continued to increase at a steady pace, supported by factors including enhancements in consulting sales based on evaluations of business potential. Due to efforts to strengthen the business centered on home loans, including Hirogin Home Loan Flat 35 (Guaranteed), personal loans increased by 71.4 billion yen (YoY +4.7%). In the apartment loan sector, we assumed loans judged to have sufficient stress tolerance based on a recognition of these loans as effective inheritance tax shelters or reliable property investments. Trends in the average balance of and number of business loans Trends in the number of business loans Number of business loan borrowers Trends in the average balance of personal loans +71.4 billion yoy +4.7% Yield on lending (stock rate) 30,840 31,091 30,365 29,948 +251 FY2019 H2 26,580 26,942 27,345 27,544 Major companies 0.34% 1,582.7 8.5 Mid-sized 1,511.3 +199 0.58% companies Number of retail clients (Less than 1 billion yen in sales) SMES 1.04% (Customers) End of March End of March 2017 2018 Total 1.03% 1,372.5 1,447.8 7.2 88.2 7.2 101.6 114.4 End of March End of March 2019 2020 8.0 71.1 450.7 3,757.6 3,631.2 3,430.7 3,498.2 427.2 402.6 Loans to major and 1,123.3 1,153.7 371.1 mid-sized 1,192.3 1,129.5 companies +30.4 billion yen (YOY +2.7%) 2,238.4 2,368.7 2,507.9 2,604.0 Loans to SMEs +96.1 billion yen (YOY +3.8%) 949.7 975.2 1,009.1 922.3 Other +1.3 billion (yoy +18.1%) Consumer loans +12.8 billion (yoy +12.6%) Apartment loans +23.4 billion (yoy +5.5%) Surpassed 1 trillion yen Housing loans +33.9 billion (yoy +3.5%) FY2016 FY2017 FY2018 FY2019 (Billion yen) Ratio of loans to SMEs in business 65.2% 67.7% 69.1% 69.3% FY2016 FY2017 FY2018 FY2019 (Billion yen) loans 27
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