Resona Group at a Glance

Today, the Resona Group’s customer base and network are more robust than ever thanks to the creation of Kansai Mirai Resona’s Position Financial Group (KMFG). As ’s largest retail financial services group with full-line trust banking capabilities, the 1 1 Resona Group will strive to provide optimal solutions to the greatest number of customers possible. Loan Portfolio (As of March 31, 2019) Interest Margin Comparison (FY2018) The Resona Group focuses on retail loans. Loans to individuals and With few generally low-yield loans to large corporations, the Resona SMEs account for about 85% of its loan portfolio. Group is able to garner relatively higher yields and appropriately control credit risk by dispersing loans with a portfolio of small loans. Group Structure As of April 1, 2019 (Total assets and trust assets are as of March 31, 2019) (%) (%) 14 29 1.02 1.01 Resona Holdings 40 40 0.82 37 85 51% 37 45 32 21

100 % 100 % KMFG Resona Average for Average for top Resona Average for Average for top 3 megabank groups 10 regional banks 3 megabank groups 10 regional banks Loans to individuals Loans to SMEs Other 100 % 100 % Consolidated Cost to Income Ratio Comparison2 (FY2018) Branch Network Comparison1 (As of March 31, 2019)

Resona Bank Resona Bank Kansai Mirai Bank* Minato Bank Rolling out its wealth of know-how accumulated in the course of opera- Thanks to the creation of KMFG, the Resona Group’s domestic tional reforms, the Resona Group is striving to help all Group banks, branch network is the largest of its kind. Total assets: ¥32,781.1 billion Total assets: ¥14,576.3 billion Total assets: ¥8,138.9 billion Total assets: ¥3,515.4 billion Trust assets: ¥27,852.9 billion including KMFG, accelerate digitalization and pursue low-cost operations. (%) 837 * Kansai Urban Banking Corporation and Kinki Bank merged to become Kansai Mirai Bank on April 1, 2019 (Kansai Mirai Bank’s total assets represent the sum of its two predecessor banks’ 70.4 assets as of March 31, 2019) 68.2 642

63.9 Resona Group Network

Japan 255

(As of March 31, 2019)

Resona3 Average for Average for top Resona Average for Average for top 3 megabank groups4 10 regional banks1 3 megabank groups 10 regional banks

Manned branches Hokkaido, Loan and Deposit Market Share5 (As of March 31, 2019) Tohoku 837 3 Individual customers Approx. 16 million The Resona Group has a strong customer base in the metropolitan and Kansai areas, where economic activity and population are concentrated. The Group’s loan and deposit market share is particularly strong in , where it exceeds 40%, and the addition of KMFG has increased its presence in Osaka, Hyogo, and Shiga prefectures. Koshinetsu, Corporate customers Approx. 500 thousand companies Kita Kanto Market Share (As of March 31, 2019) Tokyo Kansai 8 metropolitan Deposits Approx. ¥51 trillion Deposits Loans area area 4.3% Tokyo 4.6% GDP 1st in Japan 519 293 Loans Approx. ¥36 trillion Chubu, 4.0% Kanagawa 9.4% GDP 4th in Japan Chugoku, Tokai Shikoku Kyushu 8 44.1% Saitama 44.8% GDP 5th in Japan 1 Tokyo metropolitan area 5 22.5% Osaka 25.8% GDP 3rd in Japan

Overseas 18.9% Hyogo 30.8% GDP 6th in Japan Kansai area Our network of overseas bases and partner banks Overseas representative offices: 19.0% Shiga 20.3% Per capita income 12th in Japan covers Asia and the United States 4 in Asia (Shanghai, Hong Kong, Bangkok and Ho Chi Minh City) Resona Bank and Saitama Resona Bank Kansai Urban Banking Corporation, Kinki Osaka Bank and Minato Bank Resona Merchant Bank Asia 1 Resona: Total of Group banks (Resona Bank + Saitama Resona Bank + Kansai Urban Banking Corporation + Kinki Osaka Bank + Minato Bank); 3 megabank groups: MUFG Bank + Mitsubishi UFJ Trust and Banking; Mizuho Bank + Mizuho Trust & Banking; Sumitomo Banking Corporation and SMBC Trust Bank; Top 10 regional banking groups: Fukuoka FG, Concordia FG, Mebuki FG, Resona Perdania (joint venture in Indonesia) Bank, Hokuhoku FG, , Hachijuni Bank, Nishi-Nippon FH, Kyushu FG, and Yamaguchi FG. Figures are based on financial statements from each company. Head Office, Branches: 2: Sub-branches: 5 2 Consolidated cost-to-income ratio=general and administrative expenses / gross operating profit 3 Resona Holdings Resona Indonesia Finance 4 MUFG, SMFG, and Mizuho FG 5 Total of Group banks, market share based on deposits, and loans and bills discounted by prefecture (domestic banks licensed by BOJ).

4 Resona Group Integrated Report 2019 Resona Group Integrated Report 2019 5