Initiatives to Improve Corporate Value

Strengthening of Value Creation Capabilities: Business and Asset Succession Accommodate emerging needs associated with succession via the provision of diverse solutions backed by our strength as a retail commercial bank equipped with full-line trust banking capabilities [# of SMEs owners*1] [Changes in ratio of business owners without successors 2] Commercial bank Trust bank [Succession related income] 1stop SMEs owners Approx. 3.81 million Of which, over 70 years old 66.4% 65.2% 65.1% Surfacing business succession needs (JPY bn) Loan, M&A, Asset Real estate, Trust 33.0 61.5% 57.2% Approx. 2.45 million '18 '19 '20 '21 '22 management Wide Customer Base/Network Increasing succession related human resources 25.0 FY'22 FY'25 (Act.) (Plan) Act as a "running partner" for as many customers as possible by further enhancing our portfolio of specialist human resources Supporting Smooth Succession Buisiness Resona Corporate Investment Cumulative number of investment FY'22 3 companies Trust Treasury stock succession trust # of acquisitions FY'22 75 M&A Fee income Asset Real estate sale/effective use Fee income FY'22 JPY15.4 bn Trust Will trust/ Disposition of inherited assets Asset succession trust # of acquisitions FY'22 Approx. 8,000 Insurance Utilize insurance as one of the preparatory steps for inheritance planning FY'22 JPY3.5 bn FY'25 14 companies FY'25 180 FY'25 Approx. JPY7.5 bn Accompanying loan FY'25 Approx. JPY19.0 bn FY'25 Approx. 9,000 Succession related human resources: '23/3 (Act.) 1,023 staffs ⇒ '26/3 (Plan) Approx. 1,090 staffs Continue to act as a “running partner" for customers to enable them to better navigate business activities/life events after succession *1. The Comprehensive Package of Measures for Supporting SMEs in Business Succession to Third Parties formulated by the Small and Medium Enterprise Agency *2. TEIKOKU DATABANK (2022) Resona Holdings, Inc. 31

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