August 10, 2022 Company Name: Resona Holdings, Inc.

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

Capital Adequacy Ratio as of June 30, 2022

The capital adequacy ratios as of the end of June 2022 were calculated as follows.

[Resona Holdings]

(Amount in billions of yen)

Domestic Standard

June 30, 2022

March 31, 2022

Change

Capital adequacy ratio

12.15%

0.33%

11.82%

Total capital

2,063.8

36.0

2,027.7

Risk weighted assets

16,985.0

(165.1)

17,150.2

Total required capital

1,358.8

(13.2)

1,372.0

Reference

International Standard

June 30, 2022

March 31, 2022

Change

Common Equity Tier 1 capital ratio

13.46%

0.03%

13.43%

(Excluding net unrealized gains on

11.58%

0.32%

11.26%

available-for-sale securities)

Tier 1 capital ratio

13.48%

0.03%

13.45%

Total capital ratio

13.86%

0.05%

13.81%

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, 2022

March 31, 2022

June 30, 2022

Change

Capital adequacy ratio

11.46%

0.32%

11.14%

11.32%

Total capital

1,169.4

20.5

1,148.8

1,158.7

Risk weighted assets

10,204.4

(99.1)

10,303.5

10,235.7

Total required capital

816.3

(7.9)

824.2

818.8

Saitama Resona Bank

[Consolidated]

[Non-consolidated]

Domestic Standard

June 30, 2022

March 31, 2022

Change

Capital adequacy ratio

14.53%

(0.75)%

15.28%

Total capital

361.8

(19.0)

380.9

Risk weighted assets

2,489.2

(3.5)

2,492.8

Total required capital

199.1

(0.2)

199.4

Kansai Mirai Financial Group [Consolidated]

June 30, 2022

14.65%

363.1

2,477.0

198.1

Domestic Standard

June 30, 2022

March 31, 2022

Change

Capital adequacy ratio

8.93%

0.19%

8.74%

Total capital

473.8

6.0

467.8

Risk weighted assets

5,303.3

(43.9)

5,347.3

Total required capital

424.2

(3.5)

427.7

Kansai Mirai Bank

[Consolidated]

[Non-consolidated]

Domestic Standard

June 30, 2022

March 31, 2022

June 30, 2022

Change

Capital adequacy ratio

9.26%

0.17%

9.09%

8.57%

Total capital

344.6

4.7

339.9

313.5

Risk weighted assets

3,719.3

(17.7)

3,737.0

3,658.8

Total required capital

297.5

(1.4)

298.9

292.7

Minato Bank

[Consolidated]

[Non-consolidated]

Domestic Standard

June 30, 2022

March 31, 2022

June 30, 2022

Change

Capital adequacy ratio

8.66%

0.18%

8.48%

8.26%

Total capital

153.8

1.8

152.0

147.3

Risk weighted assets

1,776.2

(15.8)

1,792.0

1,783.4

Total required capital

142.1

(1.2)

143.3

142.6

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 10 August 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 10 August 2022 07:15:20 UTC.