IR Material for 1HFY2012

from the beginning

IR Material for 1HFY2012

@

• Table of Contents

• Overviews

Financial results and financial condition of 1HFY2012

• 1HFY2012 financial results: Consolidated

• 1HFY2012 financial results: Non-consolidated(slide only)

• Contribution of major group companies / Effects of purchase accounting method(slide only)

• Breakdown of profit by business: Non-consolidated

• Breakdown of net interest income: Non-consolidated

• Breakdown of net fees and commissions

• General and administrative expenses

• Breakdown of total credit costs and migration analysis(slide only)

Forecast for FY2012

• Forecast for FY2012

Policies on business initiatives for 2HFY2012

• 2HFY2012 initiatives policy

• Progress for Management integration and Midterm Management Plan

• Strengthen fee businesses 1: Investment trust and insurance sales

• Strengthen fee businesses 1: 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

• Enhancing basic earning power: Credit portfolio strategy 1

• Enhancing basic earning power: Credit portfolio strategy 2

Balance sheet

• Problem assets based on the Financial Reconstruction Act: Non-consolidated(slide only)

• Effect of European sovereign debt crisis(slide only)

• Securities portfolio and interest rate risk

Capital condition, 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 below)

• Summary of Midterm Management Plan

<Supplement 2>Credit portfolio

• International credit investment

• Loans to nonbank financial industry: Non-consolidated

• Real estate-related loans : Non-consolidated

<Supplement 3>Financial results and related information

• Breakdown of profit by business

• Contribution of major group companies to consolidated financial results

• Securities portfolio (Details)

<Supplement 4>Performance by Business Sections

• Retail financial services / Wholesale financial services / Stock transfer agency services

• Global markets

• 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