Retail Banking Group

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2000 3 3

4

Empowerment 5

24 365 6

7

8

- ATM / * * 1,000 30 5 9

10

11

Only One We Care! 12

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2005 6 100% 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

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

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(SFC) ATM : ATMs 20

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: 60 ( 年 度 収 益 / セールススタッフ : 百 万 円 ) 50 40 30 20 10 0 2002 年 度 2003 年 度 2004 年 度 22

: 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 3 3.35 2 1.89 1 1.3 0.63 0.49 0 0 100 200 300 400 500 600 700 800 支 店 数 UFJ ( 社 ) 金 融 財 政 事 情 研 究 会 2004 23

2001 6 9 17 24

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-05 6 25

450,000 400,000 350,000 300,000 250,000 200,000 150,000 100,000 50,000-2001 2002 2003 2004 26

1,200 1,000 800 600 400 200 0 2003 2004 27

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IDEA-FULL 30

リスク - - - - - - - - - - - - - - - - - - - <3 3 < < 7 7 < 31 投 資 期 間

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

100 90 80 70 60 50 40 30 20 10 2001.11 2002.06 2003.06 2004.07 2004.12 2005.06 0 Shinsei Bank Citibank Sony Bank BOTM 35

(2005 6 ) 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

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

: 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

: 1 3 2 1 2004 2005 39

: 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

: 2004 1 87.68 21 68.03 2 83.26 22 67.42 3 82.60 23 Wacoal 67.06 4 81.95 24 SHOP99 67.03 5 77.72 25 66.70 6 76.87 26 66.61 7 76.21 27 one's 66.46 8 Afternoon Tea TEAROOM 75.99 28 (JAL) 66.22 9 75.54 29 DUO 66.13 10 100YEN PLAZA 73.07 30 66.09 11 72.38 31 65.97 12 72.10 32 65.96 13 71.45 33 (ANA) 65.92 14 71.21 34 a.v.v 65.42 15 70.58 35 65.23 16 70.28 36 ACTUS 64.74 17 70.08 37 64.40 18 68.84 38 64.33 19 68.54 39 64.19 20 MUJI 68.19 40 Triumph 64.05 500 41

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

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

4.00 1,600,000 3.50 1,400,000 3.00 1,200,000 2.50 1,000,000 2.00 800,000 1.50 600,000 1.00 400,000 0.50 200,000 0.00 0 June September December March June September December March June September December March June September December March June FY2001 FY2002 FY2003 FY2004 FY2005 46

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

400,000 350,000 300,000 250,000 200,000 150,000 100,000 50,000 0 Apr-03 Jun-03 Sep-03 Dec-03 Mar-04 Jun-04 Sep-04 Dec-04 Mar-05 Jun-05 48

3,500 3,000 2,500 2,000 1,500 1,000 500 0 49 2003 12 2004 3 2004 6 2004 9 2004 12 2005 3 2005 6 2003 9 ( ) 14,000 12,000 10,000 8,000 6,000 4,000 2,000 0 2002 9 2002 12 2003 3 2003 6 2002 3 2002 6

( ) 40,000 30,000 20,000 10,000 0 2002 2003 2004 50

( ) 40,000 30,000 20,000 10,000 0 2002 2003 2004 51

( ) 10,000 5,000 0 2002 2003 2004 (5,000) (10,000) 52

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