SBI Shinsei Bank : Financial Documents Composition of Capital Disclosure (4qfy25capital e)

About this update from Sbi Shinsei Bank, Limited

Items March 31, 2026 March 31, 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 1,138,646 981,480 of which: capital and capital surplus 592,352 493,962 of which: retained earnings 589,875 520,584 of which: treasury stock (6,327) (31,267) of which: earnings to be distributed (37,254) (1,800) of which: other than above - - Accumulated other comprehensive income (amount allowed to be included in Core capital) 23,274 13,520 of which: foreign currency translation adjustment 3,518 1,422 of which: amount related defined benefit 19,756 12,097 Share award rights and stock acquisition rights to common shares and preferred shares with a compulsory 8 - Adjusted noncontrolling interests (amount allowed to be included in Core capital) 77 - Total of reserves included in Core capital: instruments and reserves 1,162 1,022 of which: general reserve for loan losses included in Core capital 1,162 1,022 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 - - Noncontrolling interests subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) 1,210 - Core capital: instruments and reserves (A) 1,164,380 996,022 Core capital: regulatory adjustments Total amount of intangible assets (excluding those relating to mortgage servicing rights) 41,907 41,728 of which: goodwill (including those equivalent) 6,318 7,052 of which: other intangibles other than goodwill and mortgage servicing rights 35,589 34,675 Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) 2,691 1,003 Shortfall of eligible provisions to expected losses 37,898 32,182 Gain on sale of securitization 11,498 8,652 Gains and losses due to changes in own credit risk on fair valued liabilities - - Net defined benefit asset 35,049 25,797 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 - 3,486 of which: significant investments in the common stock of Other Financial Institutions, net of eligible short - 3,486 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 - - of which: mortgage servicing rights - - of which: deferred tax assets arising from temporary differences (net of related tax liability) - - Core capital: regulatory adjustments (B) 129,045 112,852 Capital Capital ((A)-(B))(C) 1,035,334 883,170 Risk-weighted assets, etc. Total amount of credit risk-weighted assets 9,834,694 8,639,944 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) 132,112 126,821 Operational risk (derived by multiplying the capital requirement by 12.5) 726,707 695,273 Output floor applied - - Total amount of Risk-weighted assets(D) 10,693,514 9,462,039 Capital adequacy ratio (consolidated) Capital adequacy ratio (consolidated) (C)/(D) 9.68% 9.33% Total required capital (Consolidated) 427,740 378,481 For reference: Common Equity Tier1 Ratio (International Standard) 9.54% 8.68% Items March 31, 2026 March 31, 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 1,013,763 914,346 of which: capital and capital surplus 599,030 500,469 of which: retained earnings 458,314 446,944 of which: treasury stock (6,327) (31,267) of which: earnings to be distributed (37,254) (1,800) of which: other than above - - Share award rights and stock acquisition rights to common shares and preferred shares with a compulsory conver 8 - Total of reserves included in Core capital: instruments and reserves 8 6 of which: general reserve for loan losses included in Core capital 8 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 res - - Core capital: instruments and reserves (A) 1,013,780 914,353 Core capital: regulatory adjustments Total amount of intangible assets (excluding those relating to mortgage servicing rights) 13,703 14,596 of which: goodwill (including those equivalent) - 60 of which: other intangibles other than goodwill and mortgage servicing rights 13,703 14,536 Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) 136 199 Shortfall of eligible provisions to expected losses 10,200 7,127 Gain on sale of securitization 686 1,097 Gains and losses due to changes in own credit risk on fair valued liabilities - - Prepaid Pension Cost 11,175 9,387 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 sho - - 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 sho - - of which: mortgage servicing rights - - of which: deferred tax assets arising from temporary differences (net of related tax liability) - - Core capital: regulatory adjustments(B) 35,902 32,408 Capital Capital ((A)-(B))(C) 977,877 881,944 Risk-weighted assets, etc. Total amount of credit risk-weighted assets 7,709,987 6,893,844 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) 83,247 85,751 Operational risk (derived by multiplying the capital requirement by 12.5) 348,525 322,537 Output floor applied - - Total amount of Risk-weighted assets(D) 8,141,760 7,302,132 Capital adequacy ratio (nonconsolidated) Capital adequacy ratio (nonconsolidated) (C)/(D) 12.01% 12.07% Total required capital (nonconsolidated) 325,670 292,085

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