SBI Shinsei Bank : Financial Documents Composition of Capital Disclosure (3qfy25capital e)

About this update from Sbi Shinsei Bank, Limited

‌Items December 31, 2025 September 30, 2025 Core capital: instruments and reserves Directly issued qualifying common share capital or preferred share capital with a compulsory conversion clause plus related capital surplus and retained earnings 1,153,712 1,008,662 of which: capital and capital surplus 592,522 493,962 of which: retained earnings 567,517 545,966 of which: treasury stock (6,327) (31,267) of which: earnings to be distributed - - of which: other than above - - Accumulated other comprehensive income (amount allowed to be included in Core capital) 13,909 12,380 of which: foreign currency translation adjustment 2,848 1,025 of which: amount related defined benefit 11,061 11,355 Share award rights and stock acquisition rights to common shares and preferred shares with a compulsory conversion clause 8 - Adjusted noncontrolling interests (amount allowed to be included in Core capital) - - Total of reserves included in Core capital: instruments and reserves 1,129 1,109 of which: general reserve for loan losses included in Core capital 1,129 1,109 of which: eligible provision included in Core capital - - Eligible noncumulative perpetual preferred shares subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) - - Eligible capital instruments subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) - - Capital instruments issued through measures for capital enhancement by public institutions (amount allowed to be included in Core capital: instruments and reserves) - - Land revaluation excess after 55% discount (amount allowed to be included in Core capital: instruments and reserves) - - Noncontrolling interests subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) - - Core capital: instruments and reserves (A) 1,168,760 1,022,152 Core capital: regulatory adjustments Total amount of intangible assets (excluding those relating to mortgage servicing rights) 41,113 40,620 of which: goodwill (including those equivalent) 6,580 6,573 of which: other intangibles other than goodwill and mortgage servicing rights 34,532 34,046 Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) 3,618 6,366 Shortfall of eligible provisions to expected losses 36,851 35,401 Gain on sale of securitization 10,847 10,122 Gains and losses due to changes in own credit risk on fair valued liabilities - - Net defined benefit asset 25,802 25,444 Investments in own shares (excluding those reported in the net assets section) - - Reciprocal cross-holdings in common equity - - Investments in the capital banking, financial and insurance entities that are outside the scope of regulatory consolidation ("Other Financial Institutions"), net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above the 10% threshold) - - Amount exceeding the 10% threshold on specific items - - of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions - - of which: mortgage servicing rights - - of which: deferred tax assets arising from temporary differences (net of related tax liability) - - Amount exceeding the 15% threshold on specific items - - of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions - - of which: mortgage servicing rights - - of which: deferred tax assets arising from temporary differences (net of related tax liability) - - Core capital: regulatory adjustments (B) 118,233 117,954 Capital Capital ((A)-(B))(C) 1,050,527 904,197 Risk-weighted assets, etc. Total amount of credit risk-weighted assets 9,390,415 9,037,257 of which: total amount included in risk-weighted assets by transitional arrangements - - of which: significant investments in the common stock of Other Financial Institutions (net of eligible short positions) - - of which: other than above - - Market risk (derived by multiplying the capital requirement by 12.5) 122,919 142,731 Operational risk (derived by multiplying the capital requirement by 12.5) 702,158 702,158 Output floor applied - - Total amount of Risk-weighted assets(D) 10,215,493 9,882,146 Capital adequacy ratio (consolidated) Capital adequacy ratio (consolidated) (C)/(D) 10.28% 9.14% Total required capital (Consolidated) 408,619 395,285 For reference: Common Equity Tier1 Ratio (International Standard) 10.21% 9.09% ‌Items December 31, 2025 September 30, 2025 Core capital: instruments and reserves Directly issued qualifying common share capital or preferred share capital with a compulsory conversion clause plus related capital surplus and retained earnings 1,035,887 902,517 of which: capital and capital surplus 599,030 500,469 of which: retained earnings 443,184 433,315 of which: treasury stock (6,327) (31,267) of which: earnings to be distributed - - of which: other than above - - Share award rights and stock acquisition rights to common shares and preferred shares with a compulsory conversion clause 8 - Total of reserves included in Core capital: instruments and reserves 9 6 of which: general reserve for loan losses included in Core capital 9 6 of which: eligible provision included in Core capital - - Eligible noncumulative perpetual preferred shares subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) - - Eligible capital instruments subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) - - Capital instruments issued through measures for capital enhancement by public institutions (amount allowed to be included in Core capital: instruments and reserves) - - Land revaluation excess after 55% discount (amount allowed to be included in Core capital: instruments and reserves) - - Core capital: instruments and reserves (A) 1,035,904 902,523 Core capital: regulatory adjustments Total amount of intangible assets (excluding those relating to mortgage servicing rights) 13,598 13,882 of which: goodwill (including those equivalent) 10 27 of which: other intangibles other than goodwill and mortgage servicing rights 13,587 13,854 Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) 436 2,109 Shortfall of eligible provisions to expected losses 11,284 10,448 Gain on sale of securitization 709 722 Gains and losses due to changes in own credit risk on fair valued liabilities - - Prepaid Pension Cost 10,449 9,962 Investments in own shares (excluding those reported in the net assets section) - - Reciprocal cross-holdings in common equity - - Investments in the capital banking, financial and insurance entities that are outside the scope of regulatory consolidation ("Other Financial Institutions"), net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above the 10% threshold) - - Amount exceeding the 10% threshold on specific items - - of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions - - of which: mortgage servicing rights - - of which: deferred tax assets arising from temporary differences (net of related tax liability) - - Amount exceeding the 15% threshold on specific items - - of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions - - of which: mortgage servicing rights - - of which: deferred tax assets arising from temporary differences (net of related tax liability) - - Core capital: regulatory adjustments(B) 36,478 37,125 Capital Capital ((A)-(B))(C) 999,426 865,397 Risk-weighted assets, etc. Total amount of credit risk-weighted assets 7,372,772 7,113,506 of which: total amount included in risk-weighted assets by transitional arrangements - - of which: significant investments in the common stock of Other Financial Institutions (net of eligible short positions) - - of which: other than above - - Market risk (derived by multiplying the capital requirement by 12.5) 81,521 105,897 Operational risk (derived by multiplying the capital requirement by 12.5) 321,413 321,413 Output floor applied - - Total amount of Risk-weighted assets(D) 7,775,707 7,540,816 Capital adequacy ratio (nonconsolidated) Capital adequacy ratio (nonconsolidated) (C)/(D) 12.85% 11.47% Total required capital (nonconsolidated) 311,028 301,632

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