FINANCIAL SUPPLEMENT Q1/3M FY03/2019

FINANCIAL SUPPLEMENT Q1/3M FY03/2019 August 10, 2018 J Trust Co., Ltd. 1

IMPORTANT INFORMATION This document is for information purposes only and does not constitute an offer to sell or solicit an offer to buy J Trusts securities to any person in any jurisdiction. J Trust shall not be held liable for any damages such as direct, indirect, incidental, special, or consequential damages including loss of profits, arising out of the use of information contained herein, including through errors whether caused by negligence or otherwise. J Trust Group has adopted the International Financial Reporting Standards () since Q1 of the fiscal year ended March 31, 2018. The information contained in this document is based on company data available at the time of creation of this document. J Trust does not undertake an obligation to, and disclaim any duty to, update any of the information provided. The future performance is subject to risks and uncertainties. This English-translated document was prepared solely for the convenience of English speaking investors. If any discrepancies exist, the original Japanese version always prevails. J Trust shall not be liable for any loss or damages arising from this translation. For any inquiries, Please contact PR & IR Division, Corporate Planning Department, J Trust Co., Ltd. Tel: +81 3 4330 9111 URL: https://www.jt-corp.co.jp/en 2

Table of Contents 1. Changes in Key Management Indices 2. Consolidated Financial Results for Full-Year FY03/2019 YOY Comparison By Segment 3. Progress in FY03/2019 4. Data Book Summary: Consolidated Statement of Financial Position, Consolidated Income Statement Financial in Japan (Statement of Financial Position, Income Statement) Nihon Hoshou Partir Servicer J TRUST Card Financial in South Korea and Mongolia (Statement of Financial Position, Income Statement) JT Chinae Savings Bank JT Savings Bank JT Capital TA Asset Management Financial in Southeast Asia (Statement of Financial Position, Income Statement) Bank J Trust Indonesia J TRUST INVESTMENTS INDONESIA Investment (Statement of Financial Position, Income Statement ) J TRUST ASIA Other Non-Financial es (Income Statement ) Keynote P4 P5 P6 P7 P8 P10 P12 P14 P16 P18 P20 P22 P24 P26 P28 P30 [Reference] Overseas subsidiaries (in local currency) P31 (Statement of Financial Position, Income Statement) 3

1. Changes in Key Management Indices Market cap (million yen) June 30, 2018 103,033 Shares outstanding 112,605,110 Share price (yen) 915 revenue breakdown (Q1 FY03/2019) FY03/2016 Full-Year J-GAAP FY03/2017 Full-Year * 1 FY03/2018 Full-Year * 2 Q1 FY03/2019 * 2 revenue 75,478 66,453 76,266 17,834 expenses 38,957 38,116 50,224 10,793 Gross operating profit 36,521 28,336 26,042 7,041 Selling, general and administrative expenses 40,635 26,431 25,493 6,634 Other income - 1,254 2,258 246 Other expenses - 2,552 451 59 profit/loss -4,114 606 2,355 593 Non-operating income 652 - - - Non-operating expenses 1,216 - - - Financial income - 282 47 1,149 Financial expenses - 1,320 1,974 38 Income (Loss) from Equity Method - -2-12 1 Investments Ordinary income (loss) -4,678 - - - Extraordinary income 1,753 - - - Extraordinary losses 2,676 - - - Profit/loss before tax *3-5,602-433 416 1,705 Profit/loss attributable to owners of parent -5,712-1,270-731 1,492 profit ratio -5.45% 0.91% 3.09% 3.33% ROA* 4-1.09% -0.23% -0.11% 0.90% ROE* 5-3.25% -0.83% -0.50% 4.22% Key Initiatives of J Trust Group ( JTG ) in Q1 FY03/2019 (some of them are ongoing) I. Developments in Japan (Nihon Hoshou, NH ) April 2018 NH signed a loan guarantee agreement with Shinhan Bank Japan (SBJ) Launched a loan guarantee for real estate-backed loans by SBJ Bank. Expanding the guarantee regions of Overseas Real Estate Secured Loans provided by Saikyo Bank Ltd. July 2018 NH signed an alliance agreement with The Shonan Shinkin Bank. (KeyHolder, KH ) Started providing a loan guarantee for real estate-backed loans (Reverse Mortgage "Security life" Keikyu Collaboration Plan) by Shonan Shinkin since July 2, 2018 based on the agreement concluded on March 2018 to revitalize the local economy along the Keikyu railway line. Live Entertainment (KeyStudio): June 2018 July 2018 KH signed a collaboration agreement with ALLFUZ INC., and a basic agreement with SHOWROOM, Inc. KH established a joint venture named FA Project, Inc. with Mr. Yasushi Akimoto, Mr. Nobuyuki Akimoto, Mr. Yoshihiro Akatsuka, Y&N brothers, Inc., and A.M. Entertainment, Inc. TV Program Production (KeyProduction): II. Non-Financial 13% Financial in Southeast Asia 18% May 2018 Financial in Japan 13% Financial in South Korea and Mongolia 56% KH signed an absorption-type split agreement by way of company split (absorption split) to succeed BIGFACE's television program production business and succeeded on July 1, 2018. Developments Overseas April 2018 Resolved to acquire 60% of outstanding shares of PT OLYMPINDO Multi Finance ( OMF ), a multi finance company in Indonesia, and signed a share transfer agreement. OMF will expand the size and scope of financial service by handling new products such as finance in agricultural equipment and microfinance (group loan). May 2018 Acquired 100% ownership of Capital Continent Investment NBFI, a finance firm in Mongolia * 1 FY03/2017 results are reclassified and based on. * 2 Figures other than profit/loss attributable to owners of parent do not include those of discontinued operations. * 3 Account title under J-GAAP: Profit (loss) before income taxes * 4 ROA (Annualized) = Profit attributable to owners of parent / Total assets Note: Total assets = (Beginning assets + Ending assets) / 2 * 5 ROE (Annualized) = Profit attributable to owners of parent / Equity attributable to owners of parent (%) Note: Equity attributable to owners of parent = (Beginning assets + Ending assets) / 2 The Mongolian finance market offers industry players great benefits such as no regulations on the maximum cap on the interest rate and lower corporate tax rates than the level of Japan. May 2018 Resolved to acquire 55% of outstanding shares of ANZ Royal Bank (Cambodia) Ltd., a commercial bank in Cambodia and signed a share transfer agreement. ANZ ROYAL aims for further growth by continuing to target blue chip companies and the wealthy while focuses on expanding the retail finance business and its target markets to the more substantial and higher growth SME segments. JTG will help grow the business of ANZ ROYAL by leveraging its distinctive debt collection expertise, developing new products such as leasing, and utilizing strong network and relationship with Japanese corporates. 4

2. Consolidated Financial Results for Full-Year FY03/2019 YOY Comparison Q1 FY03/2018 (Apr. - June 2017) Q1 FY03/2019 (Apr. - June 2018) Result (%) Result (%) YOY Change YOY (%) Major factors behind the changes + In South Korea, interest income increased because of the increases in loans mainly for corporates; and securities in the banking business. Interest income increased by changing the presentation of revenue on purchased receivables in TA Asset Management (TAA). revenue 17,655 100.0 17,834 100.0 179 1.0 - Although loans in the banking business are gradually increasing, interest income decreased because the average lending interest rate was lowered in Bank J Trust Indonesia (BJI). Sales revenue in Keynote decreased because some detached housing deliveries were postponed to after July. Interest income in JTA decreased. expenses 9,444 53.5 10,793 60.5 1,348 14.3 + expenses increased in the banking business in South Korea and Indonesia because provision for doubtful accounts increased upon the introduction of 9 from FY03/2019. SG&A expenses 6,198 35.1 6,634 37.2 436 7.0 + Commission fee increased because of the increases in M&A and litigation costs in J Trust and BJI. Commission fee increased in J Trust Asia (JTA) because of the increase in litigation costs on GL. Other income and expenses profit (loss) Financial income and expenses Income (loss) from Equity Method Investments Profit (loss) before tax 445 2.5 186 1.0-258 -58.1 2,457 13.9 593 3.3-1,864-75.9-311 -1.8 1,110 6.2 1,421 - + 1 0.0 1 0.0-0 -4.4 2,148 12.2 1,705 9.6-443 -20.6 Foreign exchange gain of 1,132 million yen was recorded mainly in JTA due to the appreciation of the USD against SGD compared to the previous year in which related losses were recorded due to the depreciation. Income tax expense Profit (loss) attributable to owners of parent 368 2.1 213 1.2-155 -42.2 1,779 10.1 1,492 8.4-287 -16.1 Note: Figures other than profit/loss attributable to owners of parent do not include those of discontinued operations. 5

2. Consolidated Financial Results for Full-Year FY03/2019 By Segment Financial in Japan Financial in South Korea and Mongolia Financial in Southeast Asia Q1 Q1 FY03/2018 FY03/2019 Difference Difference (Apr. - June (Apr. - June (%) 2017) 2018) Major factors behind the changes revenue 2,314 2,370 56 2.4 Remained almost the same level as Q1 FY03/2018. profit 1,121 970-150 -13.4 revenue 8,820 10,172 1,352 15.3 profit 1,647 1,458-188 -11.4 revenue 3,592 3,139-452 -12.6 profit 154-783 -938 - expenses increased as a result of an increase in provision for doubtful accounts by reviewing the future cash flows of purchased receivables. Interest income increased because of the increases in loans mainly for corporates, and securities in the banking business in South Korea. Interest income increased by changing the presentation of revenue on purchased receivables in TAA. expenses increased due to the increase in provision for doubtful accounts upon introduction of 9 from FY03/2019. (Please refer to p.17 and 19.). Interest income fell because the average lending rate was lowered although the loans in the banking business are gradually increasing in BJI. revenue decreased. expenses increased in BJI because provision for doubtful accounts increased due to the deterioration in credit ratings of receivables upon the introduction of 9 from FY03/2019. (Please refer to p. 25.) General Entertainment Real Estate revenue 484 451-33 -6.9 Although Highlights Entertainment (HE) recorded inventory valuation losses, operating revenue increased and operating profit -318-228 90 - expenses decreased through the effects of sales campaign excluding the contract work for 117 million yen in HE in the previous term. revenue 1,526 1,199-326 -21.4 Both operating revenue and profit were down. This is because some profit 93 11-81 -87.9 detached housing deliveries were postponed to after July, although the number of transactions increased. Investment revenue 676 322-354 -52.4 Interest income decreased in JTA. (Please refer to p.29.) profit 295 186-109 -36.9 SG&A expenses increased along with an increase in litigation cost on GL. Other business Consolidated revenue 444 332-112 -25.4 revenue and profit decreased compared to the previous profit 10-19 -30 - revenue 17,655 17,834 179 1.0 profit 2,457 593-1,864-75.9 year in which Keynote recorded revenue from a long-term contract that spanned FY2017- FY2018 in its commercial facility construction business. Note: Figures other than profit/loss attributable to owners of parent do not include those of discontinued operations. 6

3. Progress in FY03/2019 FY03/2019 (Forecast) Q1 FY03/2019 (Actual) Achievement rate (%) revenue 83,378 17,834 21.4 Milestones Financial in Japan 9,923 2,370 23.9 Focus on both credit guarantee and receivables collection business. Financial in South Korea and Mongolia Financial in Southeast Asia General Entertainment 37,995 10,172 26.8 19,230 3,139 16.3 As a measure against a decline in interest income caused by sluggish growth of the loan balance after South Korean authorities strengthen regulations on loan disbursements, we will secure revenue by: (1) Changing loan portfolio mix Increase customers with good credit score by reviewing the screening process. (2) Strengthening corporate loan portfolio. (3) Diversifying revenue sources other than interest income by starting credit guarantee on assigned accounts receivables and developing other guarantee schemes, etc. (1) Ensure profitability and achieve higher interest income. Focus on acquiring good quality receivables through tighter credit screening. (2) Aim for increasing lower risk, stable income other than interest on loans by increasing the ratio of high rated bonds while reinforcing liquidity management through means such as obtaining deposits (interest rate: 6.5% - 6.75%) from BPR (people s credit bank). (3) Enhance branding and marketing, and improve customer service with a new core banking system. 6,719 451 6.7 Expect revenue contribution from new business in KeyHolder Group. Real Estate 6,679 1,199 18.0 Increase the number of deliveries of ready-built houses. Investment 1,257 322 25.6 Pursue investments with high returns. Expand business by investing proactively in projects that create synergies with JTG s business. Other business 2,232 332 14.9 Focus on the commercial facility construction business in Keynote. profit 7,073 593 8.4 Financial in Japan 4,515 970 21.5 Secure stable operating revenue. Select properties with a good location and high occupancy in condominium loans in the credit guarantee business to maintain the quality of guaranteed loans. Financial in South Korea and Mongolia 2,427 1,458 60.1 Change loan portfolio and aim for stable revenue base. Expect the increase in provision for doubtful accounts due to the introduction of 9 from FY03/2019. Anticipate lower profit through the effects of tighter regulations in South Korea. Financial in Southeast Asia 2,618-783 - (1) Secure stable operating revenue. (2) Reduce COF (Cost of Funds) by further lowering deposit interest rates. Curtail high-interest term deposits, gain low-interest deposits through enhanced promotion and increase CASA ratio (liquidity ratio). (3) Strengthen post-disbursement monitoring to collect NPLs and keep them low. Exclusive teams or loan collection specialists (advisor) are assigned the task. Reduce bad debt expenses through controlling related risks. (4) Pursue cost-cutting efforts through management of G&A expenses. General Entertainment 217-228 - Expect profit contribution from new business in KeyHolder Group. Real Estate 249 11 4.5 Improve profit margin through enhanced sales performance and higher inhouse construction ratios. Investment 560 186 33.3 Focus on M&A activities to maximize ROI. Other business 234-19 - 7

The data in excel version is on our website: https://www.jt-corp.co.jp/en/ir/library/ir_data_00/ 1) Summary: Consolidated Statement of Financial Position (unaudited) FY03/2019 Ended 2018/03 2018/06 2018/09 2018/12 2019/03 2018/03 Difference Difference Assets Cash and cash equivalents 82,683 84,723-2,040-2.4% (a) Loan balance 435,459 423,786 11,672 2.8% Accounts receivable - operating loans 63,406 63,485-79 -0.1% Loans by banking business 368,844 357,779 11,064 3.1% Advances paid - installment 2,437 2,274 162 7.2% Finance lease receivables 771 246 525 213.1% Purchased receivables 16,571 16,332 239 1.5% Other accounts receivables 16,372 15,188 1,183 7.8% Operational investment securities 2,132 3,242-1,109-34.2% Securities 37,915 37,367 547 1.5% Other financial assets 56,737 52,331 4,406 8.4% Provision for doubtful accounts -30,741-25,214-5,527 - Assets held for sale 2,282 1,807 474 26.3% Tangible assets 3,019 3,028-8 -0.3% Investment property 609 610-1 -0.2% Goodwill 29,474 29,578-104 -0.4% Intangible assets 2,888 3,087-198 -6.4% Other assets 12,304 11,089 1,214 11.0% Total assets 667,708 656,961 10,747 1.6% Liabilities Deposit 416,507 403,509 12,997 3.2% Total interest-bearing liabilities 80,860 78,727 2,132 2.7% Loans 48,747 45,906 2,841 6.2% Corporate bond 32,113 32,821-708 -2.2% Other liabilities 25,914 23,947 1,967 8.2% Total liabilities 523,282 506,184 17,097 3.4% Equity Attributable to owners of parent 138,314 144,366-6,052-4.2% Non-controlling interest 6,111 6,409-297 -4.7% Total equity 144,426 150,776-6,349-4.2% Total liabilities and equity 667,708 656,961 10,747 1.6% (Size of guarantees)* 1 163,702 145,718 17,984 12.3% * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL 23,951 22,821 1,130 5.0% (c) Provision for doubtful accounts 30,741 25,214 5,527 21.9% [1] Provision for doubtful accounts 23,534 18,688 4,846 25.9% NPL ratio (gross) (b) / (a) 5.5% 5.4% 0.1% - NPL ratio (net) ((b) - [1]) / (a) 0.1% 1.0% -0.9% - [2] Provision for doubtful accounts (for others) 7,207 6,526 681 10.4% * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 8

1) Summary: Consolidated Income Statement (unaudited) 2019/03 Q1 FY03/2018 Q1 2018/03 Q1 Q2 Q3 Q4 Difference Difference revenue 17,834 17,834 17,655 179 1.0% Total Interest income 14,112 14,112 12,238 1,873 15.3% Interest income (loan, credit card, etc.) 12,896 12,896 11,080 1,816 16.4% Book value adjustment gain/loss 614 614 289 325 112.5% Interest on securities 600 600 868-268 -30.9% Total operating revenue other than interest income 3,722 3,722 5,417-1,694-31.3% Guarantee commission received 468 468 435 33 7.7% Gain on sale of securities 6 6 80-73 -91.9% Gain on bad debts recovered 55 55 869-813 -93.6% Commission income 497 497 586-89 -15.2% Sales in Real Estate 1,199 1,199 1,526-326 -21.4% Sales in General Entertainment 451 451 484-33 -6.9% Other operating revenue 1,043 1,043 1,434-391 -27.3% expenses 10,793 10,793 9,444 1,348 14.3% Total interest expenses 4,477 4,477 4,033 444 11.0% Interest on deposits 3,707 3,707 3,461 246 7.1% Interest on loans 457 457 477-20 -4.2% Interest on bonds 26 26 33-7 -22.5% Other interest expenses: 286 286 60 225 372.1% Total operating expenses other than interest expenses 6,316 6,316 5,411 904 16.7% Loss on sale of securities 71 71 6 64 997.2% Expenses related to bad debts 3,929 3,929 2,498 1,430 57.3% Other cost of sales 1,602 1,602 2,154-552 -25.6% Other operating expenses 712 712 751-38 -5.2% Selling, general and administrative expenses 6,634 6,634 6,198 436 7.0% Personnel expenses 3,300 3,300 3,075 225 7.3% Depreciation 341 341 420-78 -18.7% Other selling, general and administrative expenses 2,992 2,992 2,702 290 10.7% Other income 246 246 455-209 -45.9% Other expenses 59 59 10 49 485.4% profit 593 593 2,457-1,864-75.9% Financial income 1,149 1,149 18 1,130 - Financial expenses 38 38 329-291 -88.3% Income from Equity Method Investments 1 1 1-0 -4.4% Loss from Equity Method Investments Profit/loss before tax 1,705 1,705 2,148-443 -20.6% Income tax expense 358 358 469-111 -23.7% Profit/loss (continuing operations) 1,347 1,347 1,679-331 -19.8% Profit/loss (discontinued operations) - - 103-103 -100.0% Profit/loss 1,347 1,347 1,783-435 -24.4% Profit/loss attributable to owners of parent 1,492 1,492 1,779-287 -16.1% Non-controlling interest -145-145 3-148 - ROA (Annualized)* 1 (%) 0.90% 0.90% 1.15% -0.25% - * 1 ROA = Profit attributable to owners of parent / total assets (%) Note: Total assets=(beginning assets + ending assets) / 2 9

2) Financial in Japan: Nihon Hoshou Statement of Financial Position (unaudited) FY03/2019 Ended 2018/03 2018/06 2018/09 2018/12 2019/03 2018/03 Difference Difference Assets Cash and cash equivalents 5,738 7,106-1,367-19.2% (a) Loan balance 2,378 2,504-125 -5.0% Accounts receivable - operating loans 2,378 2,504-125 -5.0% Loans by banking business - - - - Advances paid - installment - - - - Finance lease receivables - - - - Purchased receivables 11,688 11,370 318 2.8% Other accounts receivables 11,707 10,875 831 7.7% Operational investment securities - - - - Securities 67 67 - - Other financial assets 1,623 1,598 25 1.6% Provision for doubtful accounts -851-611 -239 - Assets held for sale - - - - Tangible assets 57 60-2 -4.4% Investment property 76 76 0-0.2% Goodwill 126 126 - - Intangible assets 111 109 1 1.7% Other assets 839 843-3 -0.5% Total assets 33,564 34,126-561 -1.7% Liabilities Deposit - - - - Total interest-bearing liabilities 5,813 6,226-412 -6.6% Loans 5,543 5,956-412 -6.9% Corporate bond 270 270 - - Other liabilities 10,998 10,030 968 9.7% Total liabilities 16,812 16,256 555 3.4% Equity Attributable to owners of parent 16,752 17,869-1,117-6.3% Non-controlling interest - - - - Total equity 16,752 17,869-1,117-6.3% Total liabilities and equity 33,564 34,126-561 -1.7% (Size of guarantees)* 1 159,757 141,881 17,876 12.6% * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL 366 366 0 0.1% (c) Provision for doubtful accounts 851 611 239 39.2% [1] Provision for doubtful accounts 96 108-11 -10.5% NPL ratio (gross) (b) / (a) 15.4% 14.6% 0.8% - NPL ratio (net) ((b) - [1]) / (a) 11.3% 10.3% 1.0% - [2] Provision for doubtful accounts (for others)* 2 754 503 251 49.9% * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 10

2) Financial in Japan: Nihon Hoshou 2019/03 Q1 FY03/2018 Q1 2018/03 Q1 Q2 Q3 Q4 Difference Difference revenue 2,066 2,066 2,104-37 -1.8% Total Interest income 1,439 1,439 574 864 150.4% Interest income (loan, credit card, etc.) 1,223 1,223 382 840 219.7% Book value adjustment gain/loss 216 216 192 23 12.4% Interest on securities Total operating revenue other than interest income 627 627 1,529-902 -59.0% Guarantee commission received 468 468 419 48 11.6% Gain on sale of securities Gain on bad debts recovered 5 5 804-798 -99.3% Commission income 115 115 90 24 27.3% Sales in Real Estate Sales in General Entertainment Other operating revenue 37 37 214-177 -82.6% expenses 347 347 200 147 73.6% Total interest expenses 31 31 37-6 -17.1% Interest on deposits Interest on loans 25 25 30-5 -18.8% Interest on bonds Other interest expenses: 6 6 6-0 -9.3% Total operating expenses other than interest expenses 315 315 162 153 94.6% Loss on sale of securities Expenses related to bad debts 277 277 52 225 431.4% Other cost of sales - - 86-86 -100.0% Other operating expenses 38 38 23 14 59.9% Selling, general and administrative expenses 697 697 677 19 2.9% Personnel expenses 255 255 258-3 -1.3% Depreciation 10 10 9 0 6.2% Other selling, general and administrative expenses 431 431 409 22 5.5% Other income 13 13 10 2 21.1% Other expenses 0 0 0-0 -34.3% profit 1,034 1,034 1,236-202 -16.4% Financial income 30 30 10 20 202.8% Financial expenses 1 1-1 - Income from Equity Method Investments Loss from Equity Method Investments Profit/loss before tax 1,064 1,064 1,247-182 -14.7% Income taxes 199 199 243-43 -17.8% Profit/loss 864 864 1,003-139 -13.9% ROA (Annualized)* 1 (%) 10.21% 10.21% 12.80% -2.59% - Income Statement (unaudited) * 1 ROA = Profit attributable to owners of parent / total assets (%) Note: Total assets=(beginning assets + ending assets) / 2 11

2) Financial in Japan: Partir Servicer Statement of Financial Position (unaudited) FY03/2019 Ended 2018/03 2018/06 2018/09 2018/12 2019/03 2018/03 Difference Difference Assets Cash and cash equivalents 695 635 59 9.4% (a) Loan balance - - - - Accounts receivable - operating loans - - - - Loans by banking business - - - - Advances paid - installment - - - - Finance lease receivables - - - - Purchased receivables 1,347 1,399-51 -3.7% Other accounts receivables - - - - Operational investment securities - - - - Securities - - - - Other financial assets 214 230-15 -6.6% Provision for doubtful accounts -62 - -62 - Assets held for sale - - - - Tangible assets 38 26 11 42.9% Investment property - - - - Goodwill - - - - Intangible assets 49 56-7 -13.1% Other assets 32 33-1 -4.6% Total assets 2,315 2,382-67 -2.8% Liabilities Deposit - - - - Total interest-bearing liabilities 567 606-38 -6.3% Loans 567 606-38 -6.3% Corporate bond - - - - Other liabilities 668 649 19 3.0% Total liabilities 1,236 1,255-18 -1.5% Equity Attributable to owners of parent 1,078 1,126-48 -4.3% Non-controlling interest - - - - Total equity 1,078 1,126-48 -4.3% Total liabilities and equity 2,315 2,382-67 -2.8% (Size of guarantees)* 1 - - - - * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL - - - - (c) Provision for doubtful accounts 62-62 - [1] Provision for doubtful accounts - - - - NPL ratio (gross) (b) / (a) - - - - NPL ratio (net) ((b) - [1]) / (a) - - - - [2] Provision for doubtful accounts (for others)* 2 62-62 - * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 12

2) Financial in Japan: Partir Servicer 2019/03 Q1 FY03/2018 Q1 2018/03 Q1 Q2 Q3 Q4 Difference Difference revenue 356 356 251 105 41.9% Total Interest income 147 147 60 86 143.1% Interest income (loan, credit card, etc.) 107 107 37 70 188.9% Book value adjustment gain/loss 40 40 23 16 70.3% Interest on securities Total operating revenue other than interest income 209 209 190 18 9.7% Guarantee commission received Gain on sale of securities Gain on bad debts recovered 11 11 17-6 -36.4% Commission income 195 195 170 24 14.4% Sales in Real Estate Sales in General Entertainment Other operating revenue 2 2 2 0 17.2% expenses 76 76 3 72 - Total interest expenses 4 4 2 2 112.7% Interest on deposits Interest on loans 3 3 1 2 175.1% Interest on bonds Other interest expenses: 0 0 0 0-17.5% Total operating expenses other than interest expenses 71 71 1 70 - Loss on sale of securities Expenses related to bad debts 71 71 1 70 - Other cost of sales Other operating expenses 0 0-0 - Selling, general and administrative expenses 332 332 316 15 5.1% Personnel expenses 200 200 196 3 1.7% Depreciation 10 10 8 1 21.6% Other selling, general and administrative expenses 121 121 110 10 9.7% Other income 2 2 2 0 46.3% Other expenses 0 0-0 - profit -48-48 -66 17 - Financial income 0 0-0 - Financial expenses Income from Equity Method Investments Loss from Equity Method Investments Profit/loss before tax -48-48 -66 17 - Income taxes -15-15 -17 1 - Profit/loss -32-32 -48 15 - ROA (Annualized)* 1 (%) -5.60% -5.60% -8.82% 3.22% - Income Statement (unaudited) * 1 ROA = Profit attributable to owners of parent / total assets (%) Note: Total assets=(beginning assets + ending assets) / 2 13

2) Financial in Japan: J TRUST Card Statement of Financial Position (unaudited) FY03/2019 Ended 2018/03 2018/06 2018/09 2018/12 2019/03 2018/03 Difference Difference Assets Cash and cash equivalents 296 484-187 -38.8% (a) Loan balance 2,444 2,283 160 7.0% Accounts receivable - operating loans 6 9-2 -28.8% Loans by banking business - - - - Advances paid - installment 2,437 2,274 162 7.2% Finance lease receivables - - - - Purchased receivables - - - - Other accounts receivables - - - - Operational investment securities - - - - Securities - - - - Other financial assets 134 141-6 -4.9% Provision for doubtful accounts -31-37 6 - Assets held for sale - - - - Tangible assets 44 45-0 -1.5% Investment property - - - - Goodwill - - - - Intangible assets 28 31-2 -8.6% Other assets 15,000 15,015-15 -0.1% Total assets 17,916 17,963-47 -0.3% Liabilities Deposit - - - - Total interest-bearing liabilities 1,363 1,449-86 -6.0% Loans 1,363 1,449-86 -6.0% Corporate bond - - - - Other liabilities 443 414 29 7.0% Total liabilities 1,806 1,863-57 -3.1% Equity Attributable to owners of parent 16,110 16,100 10 0.1% Non-controlling interest - - - - Total equity 16,110 16,100 10 0.1% Total liabilities and equity 17,916 17,963-47 -0.3% (Size of guarantees)* 1 - - - - * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL 0 0 0-27.8% (c) Provision for doubtful accounts 31 37-6 -17.0% [1] Provision for doubtful accounts 30 30 0 1.7% NPL ratio (gross) (b) / (a) 0.0% 0.0% -0.0% - NPL ratio (net) ((b) - [1]) / (a) 0.0% 0.0% 0.0% - [2] Provision for doubtful accounts (for others)* 2 0 7-6 -92.0% * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 14

2) Financial in Japan: J TRUST Card 2019/03 Q1 FY03/2018 Q1 2018/03 Q1 Q2 Q3 Q4 Difference Difference revenue 93 93 107-13 -12.6% Total Interest income 3 3 10-6 -67.4% Interest income (loan, credit card, etc.) 3 3 10-6 -67.4% Book value adjustment gain/loss Interest on securities Total operating revenue other than interest income 90 90 96-6 -6.8% Guarantee commission received Gain on sale of securities Gain on bad debts recovered Commission income 90 90 96-6 -6.8% Sales in Real Estate Sales in General Entertainment Other operating revenue 0 0 0-0 -9.3% expenses 7 7 23-15 -67.2% Total interest expenses 6 6 11-5 -47.8% Interest on deposits Interest on loans 6 6 11-5 -47.8% Interest on bonds Other interest expenses: Total operating expenses other than interest expenses 1 1 11-9 -87.9% Loss on sale of securities Expenses related to bad debts 1 1 10-9 -90.3% Other cost of sales Other operating expenses 0 0 0-0 -22.1% Selling, general and administrative expenses 77 77 72 5 7.0% Personnel expenses 33 33 29 3 13.1% Depreciation 3 3 3 0 2.6% Other selling, general and administrative expenses 40 40 39 1 2.8% Other income 2 2 0 1 125.4% Other expenses profit 10 10 12-1 -14.7% Financial income - - 0-0 -100.0% Financial expenses Income from Equity Method Investments Loss from Equity Method Investments Profit/loss before tax 10 10 12-1 -14.7% Income taxes 0 0 3-3 -85.3% Profit/loss 10 10 8 1 17.5% ROA (Annualized)* 1 (%) 0.22% 0.22% 0.18% 0.04% - Income Statement (unaudited) * 1 ROA = Profit attributable to owners of parent / total assets (%) Note: Total assets=(beginning assets + ending assets) / 2 15

3) Financial in South Korea and Mongolia: JT Chinae Savings Bank Statement of Financial Position (unaudited) FY03/2019 Ended 2018/03 2018/06 2018/09 2018/12 2019/03 2018/03 Difference Difference Assets Cash and cash equivalents 29,270 20,246 9,023 44.6% (a) Loan balance 183,471 175,445 8,026 4.6% Accounts receivable - operating loans - - - - Loans by banking business 183,471 175,445 8,026 4.6% Advances paid - installment - - - - Finance lease receivables - - - - Purchased receivables - - - - Other accounts receivables 1,417 1,336 80 6.0% Operational investment securities - - - - Securities 10,443 7,570 2,872 38.0% Other financial assets 10,876 10,821 54 0.5% Provision for doubtful accounts -10,435-8,568-1,867 - Assets held for sale - - - - Tangible assets 390 459-68 -15.0% Investment property - - - - Goodwill 929 940-10 -1.1% Intangible assets 614 668-53 -8.0% Other assets 45 67-22 -32.8% Total assets 227,024 208,988 18,036 8.6% Liabilities Deposit 205,298 185,511 19,786 10.7% Total interest-bearing liabilities 1,976 1,998-22 -1.1% Loans - - - - Corporate bond 1,976 1,998-22 -1.1% Other liabilities 4,386 5,144-757 -14.7% Total liabilities 211,661 192,654 19,006 9.9% Equity Attributable to owners of parent 15,363 16,333-970 -5.9% Non-controlling interest - - - - Total equity 15,363 16,333-970 -5.9% Total liabilities and equity 227,024 208,988 18,036 8.6% (Size of guarantees)* 1 - - - - * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL 11,046 10,935 111 1.0% (c) Provision for doubtful accounts 10,435 8,568 1,867 21.8% [1] Provision for doubtful accounts 10,394 8,545 1,848 21.6% NPL ratio (gross) (b) / (a) 6.0% 6.2% -0.2% - NPL ratio (net) ((b) - [1]) / (a) 0.4% 1.4% -1.0% - [2] Provision for doubtful accounts (for others)* 2 41 22 19 85.5% * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 16

3) Financial in South Korea and Mongolia: JT Chinae Savings Bank Income Statement (unaudited) 2019/03 Q1 FY03/2018 Q1 2018/03 Q1 Q2 Q3 Q4 Difference Difference revenue 5,782 5,782 5,393 388 7.2% Total Interest income 5,220 5,220 5,072 148 2.9% Interest income (loan, credit card, etc.) 5,098 5,098 5,052 45 0.9% Book value adjustment gain/loss Interest on securities 122 122 20 102 504.2% Total operating revenue other than interest income 561 561 321 240 74.9% Guarantee commission received Gain on sale of securities Gain on bad debts recovered Commission income 111 111 68 43 63.2% Sales in Real Estate Sales in General Entertainment Other operating revenue 450 450 253 197 78.1% expenses 3,408 3,408 2,920 488 16.7% Total interest expenses 1,236 1,236 1,053 183 17.4% Interest on deposits 1,183 1,183 1,002 180 18.0% Interest on loans 51 51 50 1 2.7% Interest on bonds Other interest expenses: 2 2 1 1 102.6% Total operating expenses other than interest expenses 2,171 2,171 1,866 305 16.4% Loss on sale of securities Expenses related to bad debts 1,799 1,799 1,683 116 6.9% Other cost of sales Other operating expenses 371 371 182 188 103.4% Selling, general and administrative expenses 1,532 1,532 1,544-11 -0.7% Personnel expenses 832 832 753 79 10.5% Depreciation 123 123 191-68 -35.8% Other selling, general and administrative expenses 576 576 598-21 -3.7% Other income 65 65 5 59 - Other expenses 27 27 0 27 - profit 878 878 934-55 -5.9% Financial income Financial expenses 2 2-2 - Income from Equity Method Investments Loss from Equity Method Investments Profit/loss before tax 876 876 934-57 -6.2% Income taxes -5-5 - -5 - Profit/loss 882 882 934-51 -5.6% ROA (Annualized)* 1 (%) 1.62% 1.62% 1.84% -0.22% - * 1 ROA = Profit attributable to owners of parent / total assets (%) Note: Total assets=(beginning assets + ending assets) / 2 17

3) Financial in South Korea and Mongolia: JT Savings Bank Statement of Financial Position (unaudited) FY03/2019 Ended 2018/03 2018/06 2018/09 2018/12 2019/03 2018/03 Difference Difference Assets Cash and cash equivalents 7,422 12,366-4,944-40.0% (a) Loan balance 92,106 91,523 582 0.6% Accounts receivable - operating loans - - - - Loans by banking business 92,106 91,523 582 0.6% Advances paid - installment - - - - Finance lease receivables - - - - Purchased receivables - - - - Other accounts receivables 601 569 32 5.6% Operational investment securities - - - - Securities 6,046 2,648 3,398 128.3% Other financial assets 6,525 5,627 898 16.0% Provision for doubtful accounts -2,679-2,104-575 - Assets held for sale - - - - Tangible assets 138 146-7 -5.3% Investment property - - - - Goodwill - - - - Intangible assets 273 291-17 -6.1% Other assets 44 87-43 -49.5% Total assets 110,480 111,157-677 -0.6% Liabilities Deposit 97,223 98,640-1,417-1.4% Total interest-bearing liabilities - - - - Loans - - - - Corporate bond - - - - Other liabilities 3,631 2,629 1,002 38.1% Total liabilities 100,854 101,270-415 -0.4% Equity Attributable to owners of parent 9,625 9,887-261 -2.6% Non-controlling interest - - - - Total equity 9,625 9,887-261 -2.6% Total liabilities and equity 110,480 111,157-677 -0.6% (Size of guarantees)* 1 - - - - * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL 2,682 2,949-267 -9.1% (c) Provision for doubtful accounts 2,679 2,104 575 27.3% [1] Provision for doubtful accounts 2,660 2,092 567 27.1% NPL ratio (gross) (b) / (a) 2.9% 3.2% -0.3% - NPL ratio (net) ((b) - [1]) / (a) 0.0% 0.9% -0.9% - [2] Provision for doubtful accounts (for others)* 2 19 12 7 61.6% * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 18

3) Financial in South Korea and Mongolia: JT Savings Bank Income Statement (unaudited) 2019/03 Q1 FY03/2018 Q1 2018/03 Q1 Q2 Q3 Q4 Difference Difference revenue 2,417 2,417 1,581 836 52.9% Total Interest income 2,227 2,227 1,519 707 46.6% Interest income (loan, credit card, etc.) 2,135 2,135 1,501 634 42.3% Book value adjustment gain/loss Interest on securities 91 91 18 73 408.9% Total operating revenue other than interest income 190 190 62 128 204.3% Guarantee commission received Gain on sale of securities 0 0-0 - Gain on bad debts recovered Commission income 82 82 12 69 537.1% Sales in Real Estate Sales in General Entertainment Other operating revenue 108 108 49 58 117.8% expenses 1,366 1,366 746 619 83.0% Total interest expenses 603 603 380 222 58.4% Interest on deposits 602 602 380 222 58.4% Interest on loans Interest on bonds Other interest expenses: 0 0 0 0 69.3% Total operating expenses other than interest expenses 762 762 365 397 108.6% Loss on sale of securities Expenses related to bad debts 585 585 287 297 103.5% Other cost of sales Other operating expenses 177 177 78 99 127.2% Selling, general and administrative expenses 646 646 497 149 30.1% Personnel expenses 358 358 278 79 28.6% Depreciation 26 26 21 5 24.0% Other selling, general and administrative expenses 262 262 197 64 32.8% Other income 2 2 3-1 -36.4% Other expenses 2 2 2 0 30.5% profit 404 404 339 65 19.2% Financial income Financial expenses 0 0-0 - Income from Equity Method Investments Loss from Equity Method Investments Profit/loss before tax 404 404 339 65 19.1% Income taxes 88 88 79 9 12.0% Profit/loss 316 316 260 55 21.3% ROA (Annualized)* 1 (%) 1.14% 1.14% 1.31% -0.17% - * 1 ROA = Profit attributable to owners of parent / total assets (%) Note: Total assets=(beginning assets + ending assets) / 2 19

3) Financial in South Korea and Mongolia: JT Capital Statement of Financial Position (unaudited) FY03/2019 Ended 2018/03 2018/06 2018/09 2018/12 2019/03 2018/03 Difference Difference Assets Cash and cash equivalents 7,012 6,824 188 2.8% (a) Loan balance 55,182 55,262-80 -0.2% Accounts receivable - operating loans 54,647 55,256-609 -1.1% Loans by banking business - - - - Advances paid - installment - - - - Finance lease receivables 535 6 529 - Purchased receivables - - - - Other accounts receivables 305 268 36 13.7% Operational investment securities - - - - Securities - - - - Other financial assets 2,081 2,113-32 -1.5% Provision for doubtful accounts -2,481-2,112-368 - Assets held for sale - - - - Tangible assets 203 221-18 -8.2% Investment property - - - - Goodwill - - - - Intangible assets 135 150-15 -10.0% Other assets 458 471-12 -2.7% Total assets 62,897 63,199-302 -0.5% Liabilities Deposit - - - - Total interest-bearing liabilities 48,285 48,544-259 -0.5% Loans 18,780 18,307 473 2.6% Corporate bond 29,504 30,237-732 -2.4% Other liabilities 663 436 226 51.9% Total liabilities 48,949 48,981-32 -0.1% Equity Attributable to owners of parent 13,948 14,218-270 -1.9% Non-controlling interest - - - - Total equity 13,948 14,218-270 -1.9% Total liabilities and equity 62,897 63,199-302 -0.5% (Size of guarantees)* 1 33 21 11 54.1% * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL 4,145 3,887 257 6.6% (c) Provision for doubtful accounts 2,481 2,112 368 17.5% [1] Provision for doubtful accounts 2,472 2,104 367 17.5% NPL ratio (gross) (b) / (a) 7.5% 7.0% 0.5% - NPL ratio (net) ((b) - [1]) / (a) 3.0% 3.2% -0.2% - [2] Provision for doubtful accounts (for others)* 2 9 7 1 16.3% * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 20

2019/03 Q1 FY03/2018 Q1 2018/03 Q1 Q2 Q3 Q4 Difference Difference revenue 1,423 1,423 1,594-170 -10.7% Total Interest income 1,345 1,345 1,233 111 9.1% Interest income (loan, credit card, etc.) 1,345 1,345 1,233 111 9.1% Book value adjustment gain/loss Interest on securities Total operating revenue other than interest income 78 78 361-282 -78.3% Guarantee commission received 0 0-0 - Gain on sale of securities Gain on bad debts recovered - - 25-25 -100.0% Commission income 77 77 47 30 65.7% Sales in Real Estate Sales in General Entertainment Other operating revenue 0 0 288-288 - expenses 851 851 743 108 14.6% Total interest expenses 541 541 402 139 34.6% Interest on deposits Interest on loans 306 306 368-62 -16.9% Interest on bonds 25 25 33-8 -23.7% Other interest expenses: 209 209-209 - Total operating expenses other than interest expenses 310 310 341-30 -9.0% Loss on sale of securities Expenses related to bad debts 310 310 331-20 -6.3% Other cost of sales Other operating expenses - - 9-9 -100.0% Selling, general and administrative expenses 498 498 559-61 -10.9% Personnel expenses 303 303 331-28 -8.6% Depreciation 33 33 52-18 -35.8% Other selling, general and administrative expenses 161 161 175-13 -7.9% Other income 0 0 0 0 201.8% Other expenses profit 74 74 292-218 -74.7% Financial income Financial expenses 0 0-0 - Income from Equity Method Investments Loss from Equity Method Investments Profit/loss before tax 73 73 292-218 -74.7% Income taxes 4 4 64-59 -93.4% Profit/loss 69 69 227-158 -69.5% ROA (Annualized)* 1 (%) 0.44% 0.44% 1.60% -1.16% - 3) Financial in South Korea and Mongolia: JT Capital Income Statement (unaudited) * 1 ROA = Profit attributable to owners of parent / total assets (%) Note: Total assets=(beginning assets + ending assets) / 2 21

3) Financial in South Korea and Mongolia: TA Asset Management Statement of Financial Position (unaudited) FY03/2019 Ended 2018/03 2018/06 2018/09 2018/12 2019/03 2018/03 Difference Difference Assets Cash and cash equivalents 2,647 4,415-1,768-40.0% (a) Loan balance 5,140 5,723-582 -10.2% Accounts receivable - operating loans 5,140 5,723-582 -10.2% Loans by banking business - - - - Advances paid - installment - - - - Finance lease receivables - - - - Purchased receivables 2,468 2,558-89 -3.5% Other accounts receivables 32 36-4 -12.4% Operational investment securities - - - - Securities - - - - Other financial assets 2,888 110 2,778 - Provision for doubtful accounts -2,352-2,068-284 - Assets held for sale - - - - Tangible assets 40 44-4 -10.5% Investment property - - - - Goodwill - - - - Intangible assets 29 31-1 -6.0% Other assets 670 662 7 1.1% Total assets 11,565 11,515 49 0.4% Liabilities Deposit - - - - Total interest-bearing liabilities - - - - Loans - - - - Corporate bond - - - - Other liabilities 139 81 57 70.3% Total liabilities 139 81 57 70.3% Equity Attributable to owners of parent 11,425 11,433-8 -0.1% Non-controlling interest - - - - Total equity 11,425 11,433-8 -0.1% Total liabilities and equity 11,565 11,515 49 0.4% (Size of guarantees)* 1 - - - - * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL 2,409 2,337 72 3.1% (c) Provision for doubtful accounts 2,352 2,068 284 13.8% [1] Provision for doubtful accounts 2,207 2,065 141 6.9% NPL ratio (gross) (b) / (a) 46.9% 40.8% 6.0% - NPL ratio (net) ((b) - [1]) / (a) 3.9% 4.8% -0.8% - [2] Provision for doubtful accounts (for others)* 2 145 2 143 - * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 22

3) Financial in South Korea and Mongolia: TA Asset Management Income Statement (unaudited) 2019/03 Q1 FY03/2018 Q1 2018/03 Q1 Q2 Q3 Q4 Difference Difference revenue 559 559 369 190 51.7% Total Interest income 516 516 291 224 76.9% Interest income (loan, credit card, etc.) 223 223 85 138 161.8% Book value adjustment gain/loss 292 292 172 120 69.7% Interest on securities - - 33-33 -100.0% Total operating revenue other than interest income 43 43 77-33 -43.6% Guarantee commission received Gain on sale of securities Gain on bad debts recovered 10 10 15-4 -31.7% Commission income 0 0 0 0 42.0% Sales in Real Estate Sales in General Entertainment Other operating revenue 32 32 62-29 -46.8% expenses 219 219-2 221 - Total interest expenses Interest on deposits Interest on loans Interest on bonds Other interest expenses: Total operating expenses other than interest expenses 219 219-2 221 - Loss on sale of securities Expenses related to bad debts 219 219-2 221 - Other cost of sales Other operating expenses Selling, general and administrative expenses 206 206 178 27 15.4% Personnel expenses 105 105 112-7 -6.2% Depreciation 6 6 3 2 89.0% Other selling, general and administrative expenses 94 94 62 31 50.5% Other income 8 8 4 3 65.8% Other expenses - - 0-0 -100.0% profit 142 142 196-54 -27.8% Financial income 142 142 58 84 143.6% Financial expenses 0 0-0 - Income from Equity Method Investments Loss from Equity Method Investments Profit/loss before tax 284 284 255 29 11.5% Income taxes 61 61 55 6 10.9% Profit/loss 222 222 199 23 11.7% ROA (Annualized)* 1 (%) 7.72% 7.72% 7.08% 0.64% - * 1 ROA = Profit attributable to owners of parent / total assets (%) Note: Total assets=(beginning assets + ending assets) / 2 23

4) Financial in Southeast Asia: Bank J Trust Indonesia Statement of Financial Position (unaudited) FY03/2019 Ended 2018/06 2018/09 2018/12 2019/03 2018/03 Difference 2018/03 Difference Assets Cash and cash equivalents 4,914 5,696-781 -13.7% (a) Loan balance 93,244 90,791 2,452 2.7% Accounts receivable - operating loans - - - - Loans by banking business 93,244 90,791 2,452 2.7% Advances paid - installment - - - - Finance lease receivables - - - - Purchased receivables - - - - Other accounts receivables 985 994-9 -0.9% Operational investment securities - - - - Securities 21,263 26,939-5,676-21.1% Other financial assets 15,154 12,675 2,478 19.6% Provision for doubtful accounts -10,066-8,022-2,043 - Assets held for sale 2,279 1,804 474 26.3% Tangible assets 1,253 1,269-16 -1.3% Investment property - - - - Goodwill - - - - Intangible assets 636 661-24 -3.7% Other assets 2,467 2,182 284 13.1% Total assets 132,133 134,994-2,860-2.1% Liabilities Deposit 119,257 119,588-330 -0.3% Total interest-bearing liabilities 4,418 4,266 151 3.6% Loans 2,763 2,656 107 4.1% Corporate bond 1,655 1,610 44 2.8% Other liabilities 3,337 2,981 356 12.0% Total liabilities 127,014 126,836 177 0.1% Equity Attributable to owners of parent 5,119 8,157-3,038-37.2% Non-controlling interest - - - - Total equity 5,119 8,157-3,038-37.2% Total liabilities and equity 132,133 134,994-2,860-2.1% (Size of guarantees)* 1 3,911 3,911 - - * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL 3,249 2,335 913 39.1% (c) Provision for doubtful accounts 10,066 8,022 2,043 25.5% [1] Provision for doubtful accounts 5,735 3,807 1,928 50.6% NPL ratio (gross) (b) / (a) 3.5% 2.6% 0.9% - NPL ratio (net) ((b) - [1]) / (a) 0.0% 0.0% 0.0% - [2] Provision for doubtful accounts (for others)* 2 4,330 4,215 115 2.7% * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 24

2019/03 Q1 FY03/2018 Q1 2018/03 Q1 Q2 Q3 Q4 Difference Difference revenue 3,010 3,010 3,424-413 -12.1% Total Interest income 2,765 2,765 2,893-128 -4.4% Interest income (loan, credit card, etc.) 2,378 2,378 2,584-205 -8.0% Book value adjustment gain/loss Interest on securities 386 386 309 77 25.0% Total operating revenue other than interest income 245 245 530-284 -53.7% Guarantee commission received -5-5 15-21 - Gain on sale of securities 6 6 80-73 -91.9% Gain on bad debts recovered 28 28 5 22 370.5% Commission income 16 16 265-249 -93.8% Sales in Real Estate Sales in General Entertainment Other operating revenue 200 200 162 37 22.9% expenses 2,860 2,860 2,415 444 18.4% Total interest expenses 2,029 2,029 2,162-132 -6.1% Interest on deposits 1,940 1,940 2,095-155 -7.4% Interest on loans 22 22 14 7 51.6% Interest on bonds Other interest expenses: 67 67 51 15 30.3% Total operating expenses other than interest expenses 830 830 253 577 228.0% Loss on sale of securities 71 71 6 64 997.2% Expenses related to bad debts 603 603 102 500 486.2% Other cost of sales Other operating expenses 155 155 143 11 8.2% Selling, general and administrative expenses 1,069 1,069 1,000 68 6.9% Personnel expenses 570 570 483 86 17.8% Depreciation 47 47 30 17 55.9% Other selling, general and administrative expenses 451 451 485-34 -7.1% Other income 127 127 105 22 20.9% Other expenses 4 4 1 3 242.7% profit -796-796 112-908 - Financial income Financial expenses - - 8-8 -100.0% Income from Equity Method Investments Loss from Equity Method Investments Profit/loss before tax -796-796 104-900 - Income taxes -8-8 -5-3 - Profit/loss -787-787 109-897 - ROA (Annualized)* 1 (%) -2.36% -2.36% 0.34% -2.70% - 4) Financial in Southeast Asia: Bank J Trust Indonesia Income Statement (unaudited) * 1 ROA = Profit attributable to owners of parent / total assets (%) Note: Total assets=(beginning assets + ending assets) / 2 25

4) Financial in Southeast Asia: J TRUST INVESTMENTS INDONESIA Statement of Financial Position (unaudited) FY03/2019 Ended 2018/03 2018/06 2018/09 2018/12 2019/03 2018/03 Difference Difference Assets Cash and cash equivalents 247 272-24 -9.1% (a) Loan balance - - - - Accounts receivable - operating loans - - - - Loans by banking business - - - - Advances paid - installment - - - - Finance lease receivables - - - - Purchased receivables 849 773 75 9.8% Other accounts receivables - - - - Operational investment securities - - - - Securities - - - - Other financial assets 41 63-22 -34.9% Provision for doubtful accounts -25 - -25 - Assets held for sale 2 2-0 -1.3% Tangible assets 590 600-9 -1.7% Investment property - - - - Goodwill - - - - Intangible assets 0 0-0 -12.9% Other assets 546 546-0 -0.1% Total assets 2,252 2,259-6 -0.3% Liabilities Deposit - - - - Total interest-bearing liabilities 2,042 2,072-29 -1.4% Loans 2,042 2,072-29 -1.4% Corporate bond - - - - Other liabilities 80 54 25 46.7% Total liabilities 2,123 2,126-3 -0.2% Equity Attributable to owners of parent 129 132-3 -2.3% Non-controlling interest - - - - Total equity 129 132-3 -2.3% Total liabilities and equity 2,252 2,259-6 -0.3% (Size of guarantees)* 1 - - - - * 1 Includes size of guarantees in banking business. Provision for doubtful accounts and others (b) Balance of NPL - - - - (c) Provision for doubtful accounts 25-25 - [1] Provision for doubtful accounts - - - - NPL ratio (gross) (b) / (a) - - - - NPL ratio (net) ((b) - [1]) / (a) - - - - [2] Provision for doubtful accounts (for others)* 2 25-25 - * 2 Provision for doubtful accounts (for others) is the provision for purchased receivables, subrogation receivables, some membership, investments and other assets. 26