Investor Meeting on Financial Results for FY2011

from the beginning

Investor Meeting on Financial Results for FY2011

• Table of Contents(slide only)

• Overviews

FY2011 financial results and financial condition

• FY2011financial results: Consolidated

• FY2011financial results: Non-consolidated (Three-company total)

• Financial results and contribution of major group companies

• Breakdown of profit by business: Non-consolidated (Three-company total)

• Breakdown of net interest income: Non-consolidated (Two-company total)

• Breakdown of net fees and commissions

• General and administrative expenses

• Breakdown of total credit costs and migration analysis

Forecast for FY2012

• Forecastfor FY2012

Policy on business initiatives for FY2012

• FY2012 initiatives policy

• Strengthen fee businesses1: Investment trust and insurance sales

• Strengthen fee businesses1: Investment trust and insurance sales(Business strategy)

• Strengthen fee businesses 2: Fiduciary services

• Strengthen fee businesses 2: Fiduciary services (Business strategy)

• Strengthen fee businesses 3: Real estate

• Strengthen fee businesses 3: Real estate (Business strategy)

• Enhancing basic earnings power: Credit portfolio strategy 1

• Enhancing basic earnings power: Credit portfolio strategy 2

Balance sheet

• Problem assets based on the Financial Reconstruction Act: Non-consolidated (Two-company total)

• Effect of European sovereign debt crisis

• Securities portfolio and interest rate risk

Status of capital, financial and capital policies

• Status of capital and public funds(slide only)

• Preparation for new Basel regulations

• Financial and capital policies

<Supplement (1)>Summary of Midterm Management Plan (slides only)

• Summary of Midterm Management Plan

• Business Strategy and Growth Indication

<Supplement (2)>Credit portfolio

• International credit investment

• Loans to nonbank financial industry:Non-consolidated (Two-company total)

• Real estate-related loans: Non-consolidated (Two-company total)

<Supplement (3)>Financial results and finance-related

• Non-consolidated financial results

• Contribution of major group companies to consolidated financial results

• Breakdown of profits by business

• General and administrative expenses

• Securities portfolio (Details)

• Status of capital (Details)

• Deferred tax assets

• B/S as of effective date of the share exchange (simulation)

<Supplement (4)>Performance by Business Sections

• Retail financial services/ Wholesale financial services

• Treasury and financial products

• Fiduciary services business

• Financial related business in group companies 1. Nikko AM (Consolidated)

• Financial related business in group companies 2. SBI Sumishin Net Bank (Consolidated)

• Financial related business in group companies 3.Leasing, real estate-related finance, housing loans