Retail Banking Group

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1

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6 Empowerment 5

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8 7

9 8

10 - ATM / * * 1,

11 10

12 11

13 Only One We Care! 12

14

15 14

16 % 90% 0.3% 16.5% 4.4% 2.6% 0.0% 23.5% 5.5% 80% 70% 60% 63.9% 61.8% 50% 40% 83.2% 95.6% 67.9% 30% 20% 10% 0% 33.5% 8.5% 32.7% (2004 ) 15

17 16

18 Q1 (10 1 ) Q2 ( ) Q3 (2 1 5 ) Q4 / (1 1 2 ) Q5 / (0 1 ) / / 17

19

20 19

21 (SFC) ATM : ATMs 20

22 21

23 : 60 ( 年 度 収 益 / セールススタッフ : 百 万 円 ) 年 度 2003 年 度 2004 年 度 22

24 : Share of Door - 効 率 性 指 数 4 Share of Door Index では 支 店 数 のシェアに 対 するマーケットシェアを 比 較 する 支 店 数 UFJ ( 社 ) 金 融 財 政 事 情 研 究 会

25

26 6,000,000 5,000,000 4,000,000 Web ATM 3,000,000 2,000,000 1,000,000 0 Mar-02 Sep-02 Mar-03 Sep-03 Mar-04 Sep-04 Mar-05 Apr-05 May-05 Jun-05 Jul

27 450, , , , , , , ,000 50,

28 1,200 1,

29

30 29

31 IDEA-FULL 30

32 リスク <3 3 < < 7 7 < 31 投 資 期 間

33

34 Why Shinsei? Color Your Life e-letter Weekly Power Go 33

35

36 Shinsei Bank Citibank Sony Bank BOTM 35

37 ( ) 97% 99% 81% 92% 2% 48% 1% 7% 2% 41% 1% 11% 29% 3% 16% 10% 20% 6% 13% 11% 22% 10% 4% 9% 8% 3% 2% 3% 8% 5% 3% 3% 36

38 : The Asian Banker The Asian Banker HSBC (Hong Kong) Bank Central Asia DBS Bank ANZ Bank - 37

39 : Retail Banker International Retail Banker International Benchmark intelligence on consumer financial services Credit Agricole Deutsche Postbank UniCredito Italiano Svenska Handelsbanken Banco Popular Espanol ING Bank of America Banco Itau BBVA ANZ Banking Group ICICI Bank OCBC Bank HSBC 38

40 :

41 : 20 s 30 s 40 s 50 s 60 s 1st 2nd Sony Bank 3rd 4th UFJ CITIBANK 5th 日 経 金 融 新 聞 2005 年 9 月 6 日 7 日 40

42 : Wacoal SHOP one's Afternoon Tea TEAROOM (JAL) DUO YEN PLAZA (ANA) a.v.v ACTUS MUJI Triumph

43 42

44 Color Your Life SHARE CARE IDEA-FULL - WAKUWAKU- 43

45 When I am feeling sad, or things don t go my way, I always look up into the sky. The big sky makes my troubles seem so small This encourages me to paint my dreams across the big blue sky 44

46

47 4.00 1,600, ,400, ,200, ,000, , , , , June September December March June September December March June September December March June September December March June FY2001 FY2002 FY2003 FY2004 FY

48 100% ( ) 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Apr-98 Apr-00 Mar-02 Sep-02 Mar-03 Sep-03 Mar-04 Sep-04 Mar-05 Apr-97 Apr-99 Apr-01 Jun-02 Dec-02 Jun-03 Dec-03 Jun-04 Dec-04 Jun-05 47

49 400, , , , , , ,000 50,000 0 Apr-03 Jun-03 Sep-03 Dec-03 Mar-04 Jun-04 Sep-04 Dec-04 Mar-05 Jun-05 48

50 3,500 3,000 2,500 2,000 1,500 1, ( ) 14,000 12,000 10,000 8,000 6,000 4,000 2,

51 ( ) 40,000 30,000 20,000 10,

52 ( ) 40,000 30,000 20,000 10,

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54 53

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