Business and Financial Highlights

Third Quarter Ended December 31, 2021

January 2022

Agenda

Highlights ------------------------------------------------------------

P3

Financial Update -------------------------------------------------

P8

Business Update -------------------------------------------------

P17

Segment Information -------------------------------------------

P30

Appendix -----------------------------------------------------------

P36

2

Highlights

Financial Highlights:

EPS increased by +52.3% YoY

Net Income1

EPS

37.4bn 176.85yen

YoY

+43.3%

YoY

+52.3

%

Progress Toward

Profit2 Contribution

FY21 Forecast

from Nonbank

Businesses

94 %

75%

BPS

4,516.64yen

YoY +8.6%

CET1 Ratio

12.0%

1

Profit attributable to owners of the parent

4

2

OBP after Net Credit Costs

Hybrid Business Model:

Bank business sharply recovered from the impact by Covid-19 last year

  • Bank business increased by JPY+6.4bn YoY
  • Overseas nonbank businesses drove the increase in OBP after net credit costs

OBP after Net Credit Costs

UnitJPY billion

23.5% 39.9

32.310.1

3.7

25.3

27.1

Bank Businesses

25.3%

39.9

11.3%

Overseas

Domestic

Nonbank

Businesses1

63.4%

1.5

4.5

Nonbank

Businesses2

20.4-1221.4-12

  1. Shinsei Financial, APLUS, Showa Leasing
  2. Profit contribution from UDC finance is accounted from 4QFY2020

5

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Shinsei Bank Ltd. published this content on 28 January 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 28 January 2022 06:45:02 UTC.