Shinsei Bank : Business and Financial Highlights First Quarter Ended June 30, 2021

Business and Financial Highlights

First Quarter Ended June 30, 2021

July 2021

Agenda

 Highlights ------------------------------------------------------------	P3
 Financial Update -------------------------------------------------	P8
 Business Update -------------------------------------------------	P17
 Segment Information -------------------------------------------	P31
 Reference -----------------------------------------------------------	P37

2

Highlights

Financial Highlights:

29% progression toward FY21 forecast is tracking well

Net Income1

EPS

11.6bn 53.88yen

YoY +97%

YoY +110%

Progress Toward	Profit2 Contribution
FY21 Forecast	from Nonbank
	Businesses
29%	68%

BPS

4,321.33yen

YoY +10%

CET1 Ratio

11.7%

1	Profit attributable to owners of the parent	4
2	OBP after Net Credit Costs

Hybrid Business Model:

Profit1 contribution from stable nonbank businesses continue to improve

• Bank businesses recovered from the impact of COVID-19 infection last fiscal year
• Overseas nonbank businesses mainly includes UDC Finance profits

OBP after Net Credit Costs

（Unit:JPY billion）

14.8

4.7

Bank Businesses

32%

Domestic

Nonbank

Businesses2

56%

7.8

14.8

		8.3
7.9			12%
					Overseas
		1.8			Nonbank
	0.4			Businesses3
-0.5
20.4-6	21.4-6	1	OBP after Net Credit Costs

• Shinsei Financial, APLUS FINANCIAL, Showa Leasing

3 Profit and loss on UDC finance is accounted from 4QFY2020

5