August 11, 2021 Company Name: Resona Holdings, Inc.

Director, President and Representative Executive Officer: Masahiro Minami (Code No.: 8308, 1st Section of the Tokyo Stock Exchange)

Capital Adequacy Ratio as of June 30, 2021

The capital adequacy ratios as of the end of June 2021 were calculated as follows.

[Resona Holdings]

(Amount in billions of yen)

Domestic Standard

June 30, 2021

March 31, 2021

Change

Capital adequacy ratio

11.60%

0.06%

11.54%

Total capital

2,013.8

10.4

2,003.4

Risk weighted assets

17,353.8

1.8

17,351.9

Total required capital

1,388.3

0.1

1,388.1

Reference

International Standard

June 30, 2021

March 31, 2021

Change

Common Equity Tier 1 capital ratio

13.69%

0.38%

13.31%

(Excluding net unrealized gains on

11.00%

0.19%

10.81%

available-for-sale securities)

Tier 1 capital ratio

13.71%

0.21%

13.50%

Total capital ratio

14.25%

0.11%

14.14%

Capital Structure Information is also available on our website "Basel 3 Report (Capital Adequacy

Information)". (https://www.resona-gr.co.jp/holdings/english/investors/financial/basel3/)

Consolidated subsidiary of Resona Holdings

Resona Bank

[Consolidated]

[Non-consolidated]

Domestic Standard

June 30, 2021

March 31, 2021

Change

Capital adequacy ratio

11.05%

0.17%

10.88%

Total capital

1,127.7

15.3

1,112.3

Risk weighted assets

10,201.4

(18.8)

10,220.3

Total required capital

816.1

(1.5)

817.6

Saitama Resona Bank [Non-consolidated]

June 30, 2021

11.00%

1,116.8

10,147.1

811.7

Domestic Standard

June 30, 2021

March 31, 2021

Change

Capital adequacy ratio

14.90%

0.45%

14.45%

Total capital

381.3

8.3

373.0

Risk weighted assets

2,558.6

(21.4)

2,580.1

Total required capital

204.6

(1.7)

206.4

Kansai Mirai Financial Group [Consolidated]

Domestic Standard

June 30, 2021

March 31, 2021

Change

Capital adequacy ratio

8.48%

0.08%

8.40%

Total capital

462.9

4.6

458.3

Risk weighted assets

5,452.9

3.1

5,449.7

Total required capital

436.2

0.2

435.9

Kansai Mirai Bank

[Consolidated]

[Non-consolidated]

Domestic Standard

June 30, 2021

March 31, 2021

June 30, 2021

Change

Capital adequacy ratio

8.90%

0.11%

8.79%

8.29%

Total capital

335.9

3.5

332.3

307.0

Risk weighted assets

3,772.5

(4.2)

3,776.7

3,699.9

Total required capital

301.8

(0.3)

302.1

295.9

Minato Bank

[Consolidated]

[Non-consolidated]

Domestic Standard

June 30, 2021

March 31, 2021

June 30, 2021

Change

Capital adequacy ratio

8.36%

0.05%

8.31%

7.97%

Total capital

151.0

1.4

149.6

144.8

Risk weighted assets

1,806.3

6.1

1,800.2

1,816.4

Total required capital

144.5

0.4

144.0

145.3

ReferenceRisk weighted assets are calculated by using the methods shown in the box below.

Amount of credit risk

Amount equivalent to

Amount equivalent to

weighted assets

operational risk

market risk

Resona Holdings

Advanced

Resona Bank

Internal Ratings-Based

The

Approach

The

Saitama Resona Bank

Standardized

Standardized

Approach

Kansai Mirai Financial Group

Foundation

Approach

Kansai Mirai Bank

Internal Ratings-Based

Approach

Minato Bank

Not included

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Disclaimer

Resona Holdings Inc. published this content on 11 August 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 11 August 2021 07:05:06 UTC.