V. Progress with Medium-Term Business Plan

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1 1. Group (under IFRS) Operating revenue 11,100 10, % Domestic financial Operating profit 3,200 4, % Operating asset *1 48,700 53, % Financial Business in South Korea Financial Business in Southeast Asia *2 General entertainment Real estate Other non-financial Operating revenue 30,000 25, % Operating profit 2, % Operating asset *1 250, , % Operating revenue 12,000 12, % Operating profit 1,500-1,755 - Operating asset 109,500 85, % Sales 15,000 16, % Operating profit 1, Sales 6,500 6, % Operating profit % Sales 3,500 4, % Operating profit ,667 - Operating revenue 81,900 74, % Operating profit 7,500 2, % Group total *3 Operating profit ratio 9.2% 2.9% EPS (yen) ROE 2.5% -0.1% Note 1: Excluding principal balance of purchased receivables in receivable collection (operating assets in domestic financial refer to size of guarantees) Note 2: Regarding Bank J Trust Indonesia, under J-GAAP, if the difference in accounting period between a subsidiary and a parent company is within three months, financial results of a subsidiary during subsidiary s accounting period can be reflected in consolidated financial statement. Therefore, the consolidated financial statement for reflects the financial result of Bank J Trust Indonesia from January 1, 2015 till December 31, Under IFRS, the reflection of different accounting period is not permitted and consolidated figures reflect the financial result of Bank J Trust Indonesia from April 1, 2015 till March 31, Note 3: After consolidation adjustment 11

2 2. Domestic Financial Business (under IFRS) Operating revenue *1 11,100 10, % 11,037 Credit guarantee *2, *3 6,700 6, % Receivable collection *3 3,800 3, % Operating profit *1 3,200 4, % 3,799 Operating profit ratio 29% 43.0% Credit guarantee *2, *3 2,000 2, % Operating profit ratio 30% 35.2% Receivable collection *3 1,200 1, % Operating profit ratio 32% 32.5% Size of guarantees 48,700 53, % Apartment Loan balance 12,300 12, % Credit guarantee fee % *1: Total operating revenue and operating profit include figures for credit card in addition to credit guarantee and receivable collection. *2: Figures in credit guarantee include figures of financial and to collect off-balance receivable at Nihon Hoshou. *3: Since it is difficult to calculate figures for each under IFRS, figures under J-GAAP are provisionally stated. (unit: million yen) Mar Mar till Mar Property related credit guarantee Size of guarantees 22,500 37,978 85,000 Purchased receivables Principal balance 340, , ,000 12

3 3. Financial Business in South Korea (under IFRS) Operating revenue 30,000 25, % 25,480 Operating profit 2, % 260 Operating profit ratio 8% 2.1% Operating assets 250, , % Average lending interest rate *1 14.9% 15.6% Average deposit interest rate *1 2.8% 2.5% Net interest margin * % 8.2% Average lending interest rate *2 14.6% 14.8% Average funding interest rate *2 3.4% 3.1% BIS ratio *1-12.3% *1: Weighted average of two savings banks (JT Chinae Savings Bank and JT Savings Bank) *2: Weighted average of three companies (two savings banks and JT Capital) Note: Items on balance sheet are translated using the exchange rate of 1 won = yen for 12 months of. Items on statement of income are translated using the exchange rate of 1 won = yen for 12 months of FY (unit: 100 million won, %) Mar Mar till Mar Savings bank and capital company Consumer loan balance 7,564 8,084 18,000 Credit ratings (average) Cost to obtain a customer (10 thousand won) Ratio of loan to large corporations, secured loan and loan with government guarantees 50% 55% 55% 9,000 10,863 22,000 Receivable collection Principal balance 2,600 Principal balance per employee 40 Return on investment *2 *1 2,068 10,000 * % Maintain 250% *1: Reduction is because no additional NPLs were purchased and the collection of remaining NPLs continued. *2: figures for the average collection period of months. If adjusted with 60 months, the assumption of numerical target, 450% is obtained. 13

4 4. Financial Business in Southeast Asia (under IFRS) Operating revenue 12,000 12, % 12,292 Operating profit 1,500-1, ,898 Operating asset 109,500 85, % Average lending interest rate 12.7% 11.37% Average deposit interest rate 8.2% 7.84% Net interest margin 4.5% 2.10% Capital Adequacy Ratio (CAR) % Note 1: Exchange rate of 1 rupiah = yen and 1 rupiah = yen (period average) is used for items on balance sheet and income statement respectively. Note 2: Regarding Bank J Trust Indonesia, under Japanese GAAP, if the difference in accounting period between a subsidiary and a parent company is within three months, financial result of a subsidiary during subsidiary s accounting period can be reflected in consolidated financial statement. Therefore, the consolidated financial statement of 12 months (from April 1, 2015 till March 31, 2016) reflects the financial result of Bank J Trust Indonesia from January 1, 2015 till December 31, Under IFRS, the reflection of different accounting period is not permitted and consolidated figures reflect the financial result of Bank J Trust Indonesia from April 1, 2015 till March 31, (unit: trillion rupiah, %) Mar Mar till Mar SME loan Multi finance Average deposit interest rate 8.85% 7.84% 7.0% CASA ratio 10.3% 13.5% 29.2% Balance of loan to overseas Fee income 0.09 * figures till the current quarter *

5 5. Other Non-Financial Business (under IFRS) i. General Entertainment Business Operating revenue 15,000 16, % 16,559 Operating profit 1, ii. Real estate Business Operating revenue 6,500 6, % 6,224 Operating profit % 500 iii. Other Non-Financial Business Operating revenue 3,500 4, % 4,686 Of which Investment 2,634 2,828 Operating profit ,667-2,368 Of which Investment 2,707 2,562 Note: Investment, a reportable segment added in the second quarter of, is included. Mar Mar till Mar General entertainment Number of content facilities * Number of collaborative events * Number of ready-built housing sold * Real estate Ratio of in-house construction *2 12.0% 35.2% 75.0% Number of commercial facility construction orders * *1: figures till the current quarter (cumulative) 15