Money Forward : Presentation Material for FY11/22 2Q Financial Results

Financial Results for the
2nd Quarter of Fiscal Year
Ending November 30, 2022	July 13, 2022

			Our Business	P.4
			Highlights in FY11/22 Q2	P.11
			Financial Performance of Each Business Domain in FY11/22 Q2	P.23
			Progress on Growth Strategy	P.45
			Other Initiatives	P.77
			Guidance for FY11/22 on and later	P.82
			Appendix	P.88

Extending Gratitude on Our 10th Anniversary

Money Forward, Inc. celebrated its 10th anniversary on May 18, 2022.

Our business, which kicked off in a studio apartment, has evolved over this decade with the support of

all of our stakeholders, represented by our users, business partners, and shareholders. I would like to take this opportunity to once again express my sincere gratitude.

Our mission "Money Forward. Move your life forward" embodies our wish to alleviate to any extent possible the financial

concerns and hassles of individuals and companies by offering our services, helping people to spend time on what they genuinely want to do. We thereby hope to encourage everyone to take on challenges and create a forward-looking and optimistic society.

Currently, there are 13.3 million-plusMoney Forward ME users, 210,000-plus businesses using our back-office cloud services, and 40-plus financial institutions with whom we engage in co-creation. Meanwhile, the cumulative amount of receivables purchased in our financing service has topped ¥50 billion. Furthermore, having acquired six companies, we have grown into a diverse group with over 1,600 members from 20 countries.

The year 2022 has brought about drastic changes in the external environment, including Russia's invasion of Ukraine, the rise in US long-term interest rate, and a rapidly depreciating yen, making the economic outlook uncertain. While preparing for any unforeseen circumstances, we will continue to engage in growth and innovation with the aim of maximizing our medium- to long-term cash flow and corporate value, and thus strive to meet the expectations of our stakeholders.

All Money Forward members will make a concerted effort to provide services that move society forward as much as possible, while embracing our mission, vision, values, and culture (MVVC). To this end, we ask for your ongoing support and guidance.

Yosuke Tsuji, Representative Director, President and CEO

Money Forward, Inc.

3

Launched Website to Commemorate 10th Anniversary (https://10th.moneyforward.com/)

The website introduces our efforts to date under the theme "10 Forwards."	Move forward
with global members
		(Since 2018)	2022
	Move finance forward
Move safety and usability forward		10th
to spur business growth		anniv.
in the new era of fintech
(Since 2017)
(Since 2015)
Move financial experiences forward	Move forward
to drive further challenges
by co-creating with partners
(Since 2017)
(Since 2015)
Move services forward	Move organizations forward
by spreading corporate culture
to empathize with users'	(Since 2016)
financial concerns
(Since 2012)
		Move forward with various
	Move forward with regions:	companies
	that share a common future vision
Move services forward	from Fukuoka to Hokkaido
(Since 2017)
to fortify back offices	(Since 2015)

(Since 2013)

2012

Founded

* The website is only available in Japanese.

Our Business