Earnings Presentation Material

Table of contents 1. Key Point of Full-Year Results 2. Overview of FY2017 3. Performance and Results by Segment 4. Full-Year Plan for FY2018 5. Initiatives toward future growth APPENDIX (IFRS-unaudited and others) 2

Disclaimer The information published in this material, including forecasts, is recognition, opinion, judgment or projection of the Company at the time of creation of this material and the Company does not guarantee its achievement. As such, please be aware that actual results may differ from the forecasts provided in this material as a result of various factors. The earnings presentation and this material are prepared to provide information to facilitate greater understanding of the Company. It is not intended for use in soliciting investments in the securities issued by the Company or its subsidiaries. Financial Business in Southeast Asia reflects the results for 15 months from January 1, 2016 to March 31, 2017. Please note that figures based on IFRS in this material are unaudited figures prepared by the Company as a reference. This material is an English translation of the original Japanese document, prepared solely for the convenience of and reference by overseas investors. If there exist any discrepancies between the original Japanese language and English translation, the Japanese language will always prevail. The issuer shall not be liable for this translation or any loss or damage arising from this translation. 3

1. Key Point of Full-Year Results 4

Key Point Unrealized loss on the option part of Group Lease s (GL) CB -3.4bn J Trust Bank recorded allowance for doubtful accounts due to negative legacies in the former operations -4.6bn Eliminated the 3-month timing difference in account closing for Financial Business in Southeast Asia. FY2017 reflects their 15-month results -1.1bn Operating loss of 5.7bn for FY2017 * = JPY 5

Key Point Without accounting loss which does not affect cash flow Business profit increased by 9.0bn 6

Analysis in FY2017 Business profit increased by 9.0bn, without accounting loss which does not affect cash flow Operating loss is 5.7bn, caused by the below totaling 10.6bn 60 40 +90-34 (in 100 million yen) 20 0 Unrealized loss on GL s CB -46-20 -40-60 -80-41 FY2016 Actual Improvement of business profit Allowance for doubtful accounts etc. at J Trust Bank 15-month results in FY2017 at J Trust Bank Increased the head office expenses +IFRS cost -106-11 -15-57 FY2017 Actual 7

Business profit without accounting loss (estimate) Profit from our business before valuation allowances and unrealized loss on investments is 13.8bn, increase by 2.8 times from FY2016 (Increased 9.0bn) Operating profit/loss (A) Valuation Allowance (B) FY2016 1Q 2Q 3Q 4Q FY2016 Total FY2017 1Q 2Q 3Q 4Q (in 100 million yen) FY2017 Total -19-3 2-20 -40 11-51 73-90 -57 44 18 30 23 115 34 78 32 49 193 Unrealized P&L on Investments (C) 0 8 18 1 27 13-7 71-79 -2 Reference figures (A+B-C) 25 7 14 2 48 33 34 34 38 138 138 48 FY2016 FY2017 Valuation Allowance (B) = Goodwill amortization + Provision for doubtful accounts + Depreciation expenses 8

Segment summary Domestic Financial Business Recorded 4.6bn in operating profit (Increased by 1.2 times from FY2016) Financial Business in South Korea Recorded 1.6bn in operating profit for FY2017, despite the loss 1.5bn from negative goodwill offset and unrealized loss from TAA (Increased by 8 times from FY2016) Financial Business in Southeast Asia Investment Business Recorded 4.6bn of past negative legacies of allowance for doubtful accounts Resolved timing difference in reporting period for IFRS implementation Recorded 3.4bn as unrealized loss on GL s CB 9

2. Overview of FY2017 10

Full-year progress for operating revenue & profit Quarterly average of operating revenue is 21.2bn, generated stable revenue Out of the total operating loss in 4Q, 7.0bn is unrealized loss on GL s CB because the share price plummeted J-GAAP Consolidated Summary (in 100 million yen) 900 Operating revenue 850 40 Operating profit 60 of unrealized gain 800 700 600 500 400 300 196 251 198 20 0-20 -40 11-51 73-90 200 100 0 205 FY2017-60 -80 14 of unrealized loss FY2017 70 of unrealized loss -57 1Q 2Q 3Q 4Q TOTAL 1Q 2Q 3Q 4Q TOTAL 11

Compared with FY2016 (consolidated summary) Operating revenue increased by 9.6bn to 85.0bn Operating loss increased by 1.6bn to 5.7bn J-GAAP Consolidated Summary (in 100 million yen) FY2016 FY2017 Difference Operating revenue 754 850 +96 Operating profit -41-57 -16 Ordinary profit -46-67 -21 Profit attributable to owners of parent EBITDA after adjustment -57-98 -41 4 7 +3 EBITDA after adjustment: operating profit + amortization of goodwill + depreciation 12

Compared with FY2016 (operating revenue by segment) Operating revenue increased in Domestic Financial Business, Financial Business in South Korea, and Financial Business in Southeast Asia J-GAAP Operating revenue by segment (in 100 million yen) FY2016 FY2017 Difference Domestic Financial Business 108 109 +1 Financial Business in South Korea Financial Business in Southeast Asia 254 291 +37 122 177 +55 Investment Business 26 25-1 Non-Financial Business 227 221-6 Others 14 24 +10 Total 754 850 +96 *Non-Financial Business: real estate business and general entertainment business *Others: commercial facility constructing business, IT system, etc. 13

Compared with FY2016 (operating profit by segment) Operating profit increased in both Domestic Financial Business and Financial Business in South Korea Operating profit decreased in Financial Business in Southeast Asia and Investment Business J-GAAP Operating profit by segment (in 100 million yen) FY2016 FY2017 Difference Domestic Financial Business 37 46 +9 Financial Business in South Korea Financial Business in Southeast Asia 2 16 +14-78 -86-8 Investment Business 25-1 -26 Non-Financial Business 0 3 +3 Others -27-35 -8 Total -41-57 -16 *Non-Financial Business: real estate business and general entertainment business *Others: commercial facility constructing business, IT system, etc. 14

Net cash trend Net cash increased by 1.1bn to 59.5bn Y-O-Y Net cash (in 100 million yen) 600 500 400 Cash and securities (A) End of Mar. 2016 End of Mar. 2017 1,470 1,531 300 534 595 Total interest bearing debt (B) 531 562 200 Net cash banking (C) 405 374 100 0 end of Mar. 2016 end of Mar. 2017 Net cash (A)-(B)-(C) 534 595 *interest bearing debt includes discount on commercial notes 15

3. Performance and Results by Segment 3-1. Domestic Financial Business 16

Operating revenue & profit Operating profit is 4.6bn, increased by 1.2 times from FY2016 Improving productivity by reducing selling general and administrative expenses will lead to generate profits J-GAAP Domestic Financial Business (in 100 million yen) Operating revenue Operating profit 120 50 100 40 80 30 60 40 108 109 20 37 46 20 10 0 FY2016 FY2017 0 FY2016 FY2017 17

Operating revenue & profit (continued) Operating profit ratio exceeded 40% in FY2017 J-GAAP Change in operating revenue & profit margin ratio (in 100 million yen) 50 45 43.4% 42.8% 44.6% 42.2% 50.0% 45.0% 40 35 30 33.5% 29.0% 34.7% 35.0% 13 40.0% 35.0% 30.0% 25 20 15 10 5 0 9.9% 46 13 37 11 6 18 9 11 FY2015 1Q 2Q 3Q FY2016 1Q 2Q 3Q FY2017 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% 18

Credit guarantee business The occupancy rate of our guaranteed apartments is over 97% Our Apartment loan guarantee is steadily growing even with careful credit screening considering risks Amount of credit guarantee by Nihon Hoshou Amount of guarantee for approved Apartment Loan 1000 900 800 700 600 500 400 300 200 100 Apartment loans Other guarantees (in 100 million yen) 859 803 763 774 683 713 650 625 597 472 466 502 533 549 558 570 387 700 600 500 400 300 200 100 42 82 135 211 270 317 368 425 (in 100 million yen) 633 565 514 481 0 16/01 02 03 04 05 06 07 08 09 10 11 12 17/01 02 03 0 16/04 05 06 07 08 09 10 11 12 17/01 02 03 19

Control risks of guarantee for Apartment Loans Nihon Hoshou controls risks of guarantee for Apartment Loans 1Select areas at major cities 2Nearest station within 10 minutes walk 3Well-selected housing developers Initiatives of guarantee for Apartment Loans 1Selection of areas 98% of the properties we guarantee are in Tokyo, Nagoya, Osaka and Fukuoka 2Guarantee properties are within 10 minutes walk to their nearest stations 10 MIN. 3Well-selected housing developers Trustworthy housing developers which maintain and repair properties appropriately, can mitigate risk of subleasing related problems 20

Trend of credit guarantee Expect an increase in credit guarantee amount in particular Apartment Loan guarantee Started guarantee on reverse mortgage type from this February Future trend of credit guarantee (in 100 million yen) 3,000 2,500 2,000 1,500 1,400 approx. 2,000 approx. 2,600 approx. Nihon Hoshou started guarantee on reverse mortgage type loan Published by Kinyu Keizai Shimbun (Japanese newspaper) February 20, 2017 1,000 859 500 533 0 FY2016 FY2017 FY2018 FY2019 FY2020 21

Servicer business Purchased NPL receivables of approx. 13.0bn in total during 4Q The amount in FY2017 is 730.6bn, significantly increased by 1.6 times from FY2016 Amount of receivables (in 100 million yen) 8,000 7,306 7,000 6,000 5,000 4,679 4,000 3,492 3,000 2,572 2,833 2,000 1,000 1,196 1,251 1,471 0 FY2010 FY2011 FY2012 FY2013 FY2014 FY2015 FY2016 FY2017 22

3-2. Financial Business in South Korea 23

Operating revenue & profit Operating profit is 1.6bn, increased by 8 times from FY2016 J-GAAP Financial Business in South Korea (in 100 million yen) Operating revenue Operating profit 350 18 300 250 16 14 12 200 10 150 100 50 0 254 FY2016 291 FY2017 8 6 4 2 0 2 FY2016 16 FY2017 24

*4 companies in total Under K-GAAP, which shows the real earning power, operating profit greatly leap to 41.1bn Financial Business in South Korea (in 100 million won) <in 100 million yen> Operating revenue Operating profit 3,500 3,000 2,500 2,000 1,500 1,000 500 0 450 400 350 300 250 3,083 3,092 200 <309> <310> 150 <41> 100 50 0 FY2017 FY2017 J-GAAP K-GAAP 172 <17> 411 FY2017 FY2017 J-GAAP K-GAAP Reference rate: 1 won=0.1004yen *4 companies of South Korea=JT Chinae Savings Bank, JT Savings Bank, JT Capital, TA Asset = KRW 25

The gap between K-GAAP & J-GAAP The difference in accounting formula of allowance for doubtful accounts is 9.0bn The difference of offsetting negative goodwill etc. is 14.9bn The gap between K-GAAP & J-GAAP (in 100 million won) 450 400 350 90 300 250 200 411 Allowance for doubtful accounts Difference in accounting formula 149 150 100 50 Offsetting negative goodwill etc. 172 0 FY2017 operating profit K-GAAP FY2017 operating profit J-GAAP Reference rate: 1 won=0.1004yen 26

Negative goodwill Offset 1.2bn in FY2017, 0.3bn remains As a result, the gap between K-GAAP and J-GAAP will decrease J-GAAP Impact of negative goodwill on operating profit (in 100 million yen) 95 80 Offset 8.0bn in FY2016 Offset 1.2bn in FY2017 15 12 3 Negative goodwill as of FY2015 Result of FY2016 Result of FY2017 (JT Capital and JT Savings Bank were acquired) 27

Other key indicators Net interest income is steadily increasing by accumulating loan assets Avg. lending interest rate and Avg. deposit interest rate Net interest income Avg. lending interest rate (in 100 million won) 18.06% Avg. deposit interest rate 13.70% 389 381 390 384 404 476 482 520 2.71% 2.29% 15/ 16/ 17/ 15/ 16/ 17/ 6 9 12 3 6 9 12 3 4~6 7~9 10~12 1~3 4~6 7~9 10~12 1~3 Reference rate: 1 won=0.1004yen 28

New loan balance Achieve high quality loan portfolio by tightening credit screening under sluggish economy Amount of new loan disbursed per month (in 100 million won) 2,900 JT Capital 2,400 1,900 1,400 JT Savings Bank JT Chinae Savings Bank 1,508 1,493 1,166 1,893 1,645 1,585 Avg. 1,708 2,058 2,012 2,154 1,805 Avg. 1,958 2,618 2,460 Avg. 2,410 2,267 2,059 1,987 Avg. 2,104 900 Avg. 1,389 400 16/01 02 03 04 05 06 07 08 09 10 11 12 17/01 02 03 Reference rate: 1 won=0.1004yen 29

Loan balance Average M-O-M net increase in loan balance in 4Q is 65.7bn Loan balance (in 100 million won) 31,000 29,000 27,000 25,000 23,000 21,000 19,000 17,000 18,806 19,403 19,662 Avg. 394 21,376 20,622 20,148 Avg. 571 22,823 23,316 21,937 Avg. 647 26,486 25,789 24,234 Avg. 1,056 27,169 27,811 28,457 Avg. 657 15,0000 16/01 02 03 04 05 06 07 08 09 10 11 12 16/01 02 03 Reference rate: 1 won=0.1004yen Avg. figures are 3 month period 30

Operating assets and delinquency ratio Further increase in excellent receivables originated by JT Group Delinquency ratio stays at low levels Revenue base is solid Loan balance and NPLs* at savings banks/capital company (in 100 million won) 30,000 17.70% 25,000 20,000 Loan disbursed by group companies Purchased receivables Deliquency ratio 28,457 19,663 2,065 20.00% 15.00% 15,000 10.00% 26,392 10,000 5.01% 5.00% 5,000 0 15/ 16/ 17/ 0.00% 01 02 03 04 05 06 07 08 09 10 11 12 01 02 03 04 05 06 07 08 09 10 11 12 01 02 03 Reference rate: 1 won=0.1004yen * definition of NPL: loans that are delinquent for 30 days or more 31

Introduction of new regulations in South Korea Korean financial authorities announced the new regulation on maximum loan amount and cap interest rate on March 30, 2017 Instructions from Korean authorities I. Receivables with lending interest rate of 20% or more: Adding 50% of the allowance for doubtful accounts to the current rate Main changes II. Restrict lending amount to individuals (both secured and unsecured) compared to the end of 2016 III. Receivables with lending interest rate of less than 20%: Change the criteria of NPL and rules for allowance for doubtful accounts tighten 32

Loan portfolio Low risk and low interest rate loan increased by 60% Y-O-Y High risk and high interest rate loan increased by 19% Y-O-Y Large corporate loans and investment opportunities increasing, due to the growing social status of savings banks 30,000 Loan portfolio Lease loans (in 100 million won) 25,000 20,000 15,000 10,000 10,505 10,544 11,592 12,267 13,675 15,195 17,907 19,629 Installment loans Loans and investment for large enterprises Secured loans (real estate, government guarantee etc.) Unsecured loans other than consumer loans (below 20%) Consumer loans (below 20%) 5,000 0 6,609 6,751 6,888 7,394 7,701 8,120 8,577 8,826 2015/6 9 12 2016/3 6 9 12 2017/3 Unsecured loans other than consumer loans (20% and over) Consumer loans (20% and over) Reference rate: 1 won=0.1004yen 33

Collecting purchase of receivables After purchasing of receivables, TA Asset collects the full purchase price within 2 years (12 th months to 20 th months) IRR (internal rate of return) of delinquent receivables is high at 44% Purchase book value ratio Recovery rate for receivables against purchase price (Amount of collection / Book value) 250.0% Company A 200.0% 150.0% Company B Company C Company D 100.0% 50.0% 0.0% Time after purchasing the receivables 34

Future trend of loan balance As the average of loan balance goes up, operating revenue increases Future trend of loan balance in Financial Business in South Korea (in 100 million won) 45,000 42,000 approx. 40,000 35,000 33,000 approx. 36,000 approx. 30,000 28,457 25,000 20,000 19,662 15,000 10,000 5,000 0 FY2016 FY2017 FY2018 FY2019 FY2020 Reference rate: 1 won=0.1004yen *Three business in total: JT Chinae Savings Bank, JT Savings Bank, and JT Capital 35

Image of operating profit for 3 years Servicer business and accumulation of excellent receivables by changing the loan portfolio mix will increase profit IFRS (unaudited) 120 Image of operating profit for 3 years (in 100 million yen) 100 80 Impact of the new regulation from FY2018 60 40 20 30 32 55 approx. 73 approx. 0 5 FY2016 FY2017 FY2018 FY2019 FY2020 36

3-3. Financial Business in Southeast Asia 37

Resolved the timing difference in accounting period Consolidated FY2017 reflects 15-month results from Financial business in Southeast Asia (in 100 million yen) Consolidated Results (under J-GAAP) 1Q FY2017 (Apr.-June 2016) 2Q FY2017 (July-Sept. 2016) 3Q FY2017 (Oct.-Dec. 2016) 4Q FY2017 (Jan.-Mar. 2017) Full-Year Financial Business in Southeast Asia (under J-GAAP) Jan.-Mar. 2016 Apr.-June 2016 July-Sept. 2016 Oct.-Dec. 2016 Jan.-Mar. 2017 Jan. 2016- Mar. 2017 Operating revenue 35 33 36 35 38 177 Operating profit (of which Goodwill) -6 (4.5) -54 (4.5) -5 (4.5) -10 (4.5) -11 (4.5) -86 (22) 38

Operating revenue & profit Operating revenue is 13.9bn, increased by 1.1 times from FY2016 Operating profit in FY2017 decreased due to: 1 4.6bn as allowance for doubtful accounts to past negative legacies in 2Q 2 0.45bn as additional goodwill cost J-GAAP Financial Business in Southeast Asia (in 100 million yen) 200 Operating revenue 177 0 Operating profit 150 100 50 0 122 FY2016 38 139 FY2017 2017/ Jan.-Mar. 2016/ Jan.-Dec. -20-40 -60-80 -100-58 -58-6 -20-22 -78-86 FY2016 FY2017 Operating loss for additional 3 months Goodwill 39

Monthly net profit Full-year target is 2.4bn, improving in monthly net income under the local accounting standard Local accounting standard (unaudited) Monthly net income of Bank J Trust Indonesia (in 100 million rupiah) <in 100 million yen> 350 300 250 200 150 100 50 0 297 <2> 129 96 <1> <0.8> 2017/ January February March reference rate: 1 IDR=0.0084 yen *Monthly results can be viewed from the website of J Trust Bank Indonesia 40

Other key indicators Net interest income steadily increased as a result of changing the loan portfolio mix Avg. lending interest rate Avg. deposit interest rate Net interest income 12.33% 11.37% 11.89% 10.55% 11.22% 10.35% 9.99% 9.89% 8.43% 8.04% 7.84% 7.43% 7.51% 7.64% 683 896 887 (in 100 million rupiah) 940 990 1,003 7.69% 7.51% 412 200 15/ 16/ 17/ 15/ 16/ 17/ 15/ 16/ 17/ 6 9 12 3 6 9 12 3 6 9 12 3 6 9 12 3 4~6 7~9 10~12 1~3 4~6 7~9 10~121~3 reference rate: 1 IDR=0.0084 yen 41

Loan balance & NPL ratio Accumulating excellent receivables by reducing large lot loans and increasing medium-small lot loans NPL ratio is stable at low levels as a result of changing the loan portfolio mix 120,000 100,000 80,000 60,000 40,000 20,000 Loan balance and NPL ratio (in 100 million rupiah) 8.00% 107,360 7.00% 6.00% 5.00% 4.00% 3.15% 3.00% 2.00% 1.00% 0 15/ 4 5 6 7 8 9 10 11 12 16/ 1 2 3 4 5 6 7 8 9 10 11 12 17/ 1 2 3 0.00% reference rate: 1 IDR=0.0084 yen 42

Our efforts for Financial Business in Southeast Asia 1 About 1,300 full-time employees were reduced to 789 as of the end of September 2016 Closed 18 branches and 41 branches are available Reduce to 700 full-time employees in FY2018 J Trust Bank Located in Jakarta and its surroundings as of the end of March 2017 Karawan café scheduled to open 43

Our efforts for Financial Business in Southeast Asia 2 Started marketing activities such as TV commercials which will enhance competitiveness with other banks in Indonesia Expect a surplus of 2.4bn, though the advertising cost is 0.5bn New advertisement and photo shooting scenery Advertising poster Wrap advertising Advertisement in train Pay TV Gambir station Advertisement on pillars 44

Our efforts for Financial Business in Southeast Asia 3 (GLFI / POS) The balance of GLFI exceeded Rp100bn in 7 months No delinquent receivables as of the end of April, 2017 Number of POS Balance of GLFI (in 100 million rupiah) 19 20 21 23 23 23 24 998 1,169 14 709 462 2 6 102 179 223 328 16/ 17/ 16/ 17/ 7 8 9 10 11 12 1 2 3 4 9 10 11 12 1 2 3 4 reference rate: 1 IDR=0.0084 yen 45

Business profit without accounting loss (estimate) Business profit steadily increases as changing the loan portfolio mix and cut the cost including the headcount cost FY2016 FY2017 FY2018 Operating profit / loss(a) -78-83 6 Recorded additional allowance for doubtful accounts temporary(b) (in 100 million yen) 32 46 - Impact on goodwill(c) 19 22 18 Business profit (A+B-C) 27 15 24 24-27 -15 FY2016 FY2017 FY2018 46

3-4. Investment Business 47

Operating revenue & profit Decreased due to the unrealized loss on the option part of GL s CB J-GAAP Investment Business (in 100 million yen) Operating revenue Operating profit 30 30 25 25 20 20 15 10 5 0 26 25 FY2016 FY2017 15 10 5 0-5 25 FY2016-1 FY2017 48

Fair value of GL s CB As the GL s CB approaches maturity, the option part gets close to 0, however CB of 130 million USD will not impair its value Value of CB (image) 130 million USD Option time value Bond 2016/8/1 Subscription 2021/7/31 maturity 49

Investment securities J Trust Asia holds 6.43% of GL s common shares Number of CB into common shares: 98.1 million Exercised price: 5,349 million yen (1 share=18 baht as of Dec. 30, 2015) Current share value: 6,971 million yen (1 share = 21.8 baht as of Mar. 31, 2017) 1.6bn (estimated) Unrealized gain Reference: underwriting of GL s convertible bond 1. May 2015 30,000,000 USD Interest rate: 5% Subscribed and converted into common shares on Dec. 30, 2015 2. August 2016 130,000,000 USD Interest rate: 5% Subscribed 3. March 2017 50,000,000 USD Interest rate: 5% Subscribed 50

3-5. Non-Financial Business 51

Operating revenue & profit Operating profit is 0.3bn, increased by 3 times from FY2016 J-GAAP Non-Financial Business (in 100 million yen) Operating revenue Operating profit 250 4 200 3 150 100 227 221 2 3 50 1 0 FY2016 FY2017 0 0 FY2016 FY2017 *Non-Financial Business: real estate business and general entertainment business 52

4. Full-year plan for FY2018

Changes in accounting standards IFRS will be introduced from 1Q FY2018 J-GAAP I F R S ~2017.03 2017.04~ 54

Plan for FY2018 / consolidated highlights Increase both in operating revenue and profit IFRS (unaudited) Plan for FY2018 (42 nd term) (in 100 million yen) FY2017 Actual FY2018 Plan Difference Operating revenue 791 894 +103 Operating profit 9 100 +91 Net profit -22 81 +103 55

Plan for FY2018 / segment revenue & profit Financial Business in Southeast Asia expect to turn into surplus The share price of GL premises to 23.5THB in Investment Business Plan for FY2018 segment revenue and profit (in 100 million yen) Plan for FY2017 Operating revenue Operating profit Remarks Domestic Financial Business 107 46 Steadily increase profit Financial Business in South Korea 341 32 Less impact of goodwill, real earning power will be reflected in operating profit Financial Business in Southeast Asia 167 24 Non-Financial Business 245 8 Investment Business 27 25 Other business / head office and consolidation adjustment 5-36 Total 894 100 No more allowance for doubtful accounts to past negative legacies, and time to prove our real earning power Profit from real estate and general entertainment businesses increase The share price of GL premises 23.5 THB, it will contribute to profit if the share price rises Strengthen the management of head office expenses 56

5. Initiatives toward future growth 57

Future initiatives growth Impact on change in auditor Huge fall in GL s share price 58

Future initiatives growth 3 initiatives in FY2018 Introduce IFRS Record highest profits since the establishment Preparation for listing in the First Section of the Tokyo Stock Exchange 59

Future initiatives growth Expand Financial Business in Southeast Asia 60

Microfinance market in Indonesia Individual net income in Indonesia Upper class: <USD 22.10 a day 1-2 million people Conventional banking and insurance markets Middle class: <USD 4.50-22.10 a day 44 million people Poor: <USD 4.50 a day 203 million people Microfinance market 203 million or 81.5% of Indonesians are at the bottom of the economic pyramid. They need to access microfinance. Reference: World Bank estimates, Individual net income 2014 61

APPENDIX

Reference from magazine Japan grows for three reasons according to an investment magazine 1 Drastically reducing NPL and excess production 2 3 Increasing overseas Recovered Research and investment with high development expenses growth potential which declined for a while Able to concentrate on expanding investment capacity 43tn FY2001 NPL 9tn FY2014 Disclosed Claims under the Financial Reconstruction Law from the Financial Services Agency *Reference DiamondZai issued: June 2017 M&A for foreign companies increased by 3.3 times in 3 years Foreign portfolio investment 11.2tn FY2012 36.9tn FY2015 Balance of Payments from Ministry of Finance Invest in technology for innovation and start a new business (in trillion yen) 14 13 12 11 10 Research and Development expenses 05 06 07 08 09 10 11 12 13 14 15 Research in Science and Technology from Ministry of Internal Affairs and Communications 65

Profit in FY2018 (image) (in 100 million yen) 167 183 Share price of GL (THB) Unrealized gains / losses of option part of GL s CB (in 100 million yen) 108 8 121 21 136 36 143 43 151 51 67 83 50 +83 45 +67 40 +51 38 +43 35 +36 137 30 +21 25 +8 100 100 100 100 100 100 100 100 21.8 ±0 20-4 15-15 10-24 FY2014 21.8THB 25THB 30THB 35THB 38THB 40THB 45THB 50THB *Not including the warrant Record Highest profit Plan for FY2018 66

Consolidated highlights J-GAAP Plan for FY2018 (42 nd ) FY2017 Actual FY2018 Plan (in 100 million yen) Operating revenue 850 901 Operating profit -57 80 Net income -98 61 J-GAAP Operating revenue and profit by segment in FY2018 (in 100 million yen) Plan for FY2018 Operating revenue Operating profit Domestic Financial Business 113 47 Financial Business in South Korea 343 34 Financial Business in Southeast Asia 168 6 Non-Financial Business 246 8 Investment Business 22 20 Others / Head office and consolidation adjustment 5-36 Total 901 80 67

Operating revenue by segment (Plan vs Actual) J-GAAP Operating revenue (compared with plan) (in 100 million yen) FY2018 Plan FY2017 Actual Difference Achievement rate Domestic Financial Business Financial Business in South Korea Financial Business in Southeast Asia 107 109 +2 102% 312 291-21 93% 130 177 +47 136% Investment Business 72 25-47 34% Non-Financial Business 260 221-39 85% Others 6 24 +18 400% Total 889 850-46 95% *Non-Financial Business: real estate business and general entertainment business *Others: commercial facility constructing business, IT system, etc. 68

Operating profit by segment (Plan vs Actual) J-GAAP Operating profit (compared with plan) (in 100 million yen) FY2018 Plan FY2017 Actual Difference Factor Domestic Financial Business Financial Business in South Korea Financial Business in Southeast Asia 42 46 +4-31 16-15 -65-86 -21 Not acquire DH savings bank Impact of tighter regulations from financial authorities 15-month financial results due to the elimination of the 3-month delay, recorded 4.5bn goodwill Investment Business 55-1 -56 GL s share price decline Non-Financial Business 4 3-1 Highlights Entertainment couldn t achieve the plan Others -25-35 -10 Head Office costs (lawyer / audit cost / personnel expenses / shareholder perks etc.) Total 42-57 -99 *Non-Financial Business: real estate business and general entertainment business *Others: commercial facility constructing business, IT system, head office cost, etc. 69

Financial Results for FY2017 / Consolidated summary (Y-O-Y) IFRS (unaudited) (in 100 million yen) FY2016 FY2017 Difference Operating revenue 746 791 +45 Operating profit 22 9-13 Profit attributable to owners of parent -2-22 -20 70

Financial Results for FY2017 / Operating revenue by segment Y-O-Y IFRS (unaudited) Domestic Financial Business Financial Business in South Korea Financial Business in Southeast Asia (in 100 million yen) FY2016 FY2017 Difference 94 98 +4 255 279 +24 128 142 +14 Investment Business 26 25-1 Non-Financial Business 227 221-6 Others 16 24 +8 Total 746 791 +45 Note: *Non-Financial Business: real estate business and general entertainment business *Actual figures in FY2016 are results posted on the material at the time 71

Financial Results for FY2017 /Operating profit by segment Y-O-Y IFRS (unaudited) Domestic Financial Business Financial Business in South Korea Financial Business in Southeast Asia (in 100 million yen) FY2016 FY2017 Difference 43 55 +12 5 30 +25-17 -42-25 Investment Business 27-1 -28 Non-Financial Business -3 5 +2 Others -33-38 -5 Total 22 9-13 *Non-Financial Business: real estate business and general entertainment business *Others: Headquarters, IT system, consolidated adjustments etc *Actual figures in FY2016 are figures posted on the results at that time 72

Monthly financial data from FY 2016 to FY 2017 <<Preliminary figures>> Domestic Financial Business in 100 million yen (rounded down to the nearest 100 million) Nihon Hoshou Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. Size of credit guarantee FY 2016 367 374 384 392 398 407 424 435 453 466 502 533 FY 2017 548 558 569 597 624 649 683 712 763 774 803 859 Proportion of Apartment Loan FY 2016 6 7 14 20 21 28 38 48 63 77 92 121 FY 2017 145 156 186 212 240 264 287 317 373 386 408 472 Financial Business in South Korea in 100 million won (rounded down to the nearest 100 million) Financial Business in South Korea Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. FY 2016 17,376 17,340 17,175 17,212 17,267 17,296 17,801 18,291 18,480 18,806 19,403 19,662 Total FY 2017 20,148 20,622 21,376 21,936 22,823 23,315 24,234 25,789 26,485 27,169 27,811 28,457 Loans by banking business Total Accounts receivable - operating loans JT Chinae Savings Bank JT Savings Bank JT Capital Financial Business in Southeast Asia Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. FY 2016 11,027 10,814 10,674 10,762 10,723 10,705 11,049 11,434 11,524 11,715 12,085 12,143 FY 2017 12,265 *1 12,494 11,815 13,215 13,806 14,232 14,919 16,215 16,249 16,678 16,977 17,157 FY 2016 2,310 2,426 2,588 2,595 2,696 2,796 2,956 3,069 3,138 3,169 3,278 3,399 FY 2017 3,681 3,868 *1 5,243 5,626 5,754 5,725 5,783 5,846 6,311 6,437 6,630 6,767 FY 2016 13,338 13,241 13,262 13,357 13,420 13,502 14,006 14,504 14,662 14,884 15,364 15,542 FY 2017 15,946 16,362 17,059 18,842 19,560 19,957 20,703 22,061 22,560 23,115 23,607 23,925 *1 In June 2016, JT Chinae Savings Bank transferred its receivables of 130.8 billion won to JT Savings Bank to optimize capital efficiency within group companies in South Korea. Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. FY 2016 4,038 4,099 3,912 3,854 3,847 3,793 3,794 3,787 3,818 3,922 4,039 4,119 FY 2017 4,202 4,259 4,317 *2 3,094 3,262 3,358 3,531 3,728 3,925 4,053 4,203 4,532 *2 In July 2016, JT Capital transferred consumer credit loans receivable of 149.1 billion won to its group savings banks. The purpose was to comply with the lending criteria stipulated by the Specialized Credit Financial Business Act, which was revised and enforced in September 2016. in 100 million rupiah (rounded down to the nearest 100 million) PT Bank JTrust Indonesia Tbk. (BJI) Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. FY 2016 80,735 83,157 82,922 84,081 86,344 87,851 83,664 86,477 93,672 93,186 97,457 99,924 Loans by banking business* FY 2017 101,798 105,232 107,323 104,318 106,729 105,174 106,033 107,092 111,843 109,295 109,969 107,360 *Since a timing difference in account closing is corrected, the figures do not match those in the Consolidate Financial Results for the Supplementary Materials. For example, the March 2016 data in the Supplementary Materials is based on the balance sheet as of December 2015. PT Group Lease Finance Indonesia (GLFI) Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. GLFI s balance BJI s loan balance (related to GLFI) in 100 million rupiah (rounded down to the nearest 100 million) FY 2016 - - - - - - - - - - - - FY 2017 - - - - - 102 179 223 328 462 709 998 FY 2016 - - - - - - - - - - - - FY 2017 - - - - - 25 91 132 232 359 591 864 73