Slides
Page 1
Strategic Business Innovator SBI Holdings, Inc. Financial Results for the Three-month Period Ended June 30, 2026 (Fiscal Year Ending March 31, 2027) July 31, 2026
Page 2
1[Unauthorized reproduction is prohibited] 1 Note: Fiscal Year (“FY”) ends on March 31 of the following year The items in this document are provided as information related to the financial results and the business strategy of the SBI Group companies and not as an invitation to invest in the stock or securities issued by each company. The business collaboration with SBI Shinsei Bank described in this document only takes place when SBI Shinsei Bank determines that it is in the best interests of its minority shareholders to do so through measures adopted by SBI Shinsei Bank to prevent conflicts of interest. None of the Group companies guarantee the completeness of this document in terms of information and future business strategy. The contents of this document are subject to revision or cancellation without notice.
Page 3
2[Unauthorized reproduction is prohibited] 2 Ⅰ. Consolidated financial results for the three-month period ended June 30, 2026 Ⅱ. Other key topics in April to July 2026
Page 4
3[Unauthorized reproduction is prohibited] 3 Ⅰ. Consolidated financial results for the three-month period ended June 30, 2026
Page 5
4[Unauthorized reproduction is prohibited] 4 1Q FY2026 Consolidated Performance (IFRS) (Unit: JPY billion) 1Q FY2025 （Apr. 2025 – June 2025) 1Q FY2026 （Apr. 2026 – June 2026) YoY change (%) Revenue 443.2 571.0 +28.8 Profit before income tax expense 90.4 225.8 +149.9 Profit for the period 82.0 156.8 +91.3 Profit attributable to owners of the Company 84.6 148.1 +75.0 Record high* *Compared with past 1Q results Revenue increased 28.8% year-on-year to JPY 571.0bn, profit before income tax expense rose 149.9% to JPY 225.8bn, and quarterly net profit attributable to owners of the company grew 75.0% to JPY 148.1bn, each marking a record high for 1Q The annualized ROE for 1Q reached 29% Record high* Record high* Record high*
Page 6
5[Unauthorized reproduction is prohibited] 5 (JPY: billion) 1Q FY2025 1Q FY2026 YoY (%) SBIHD (IFRS) 90.4 225.8 +149.9 Nomura HD (US-GAAP) 160.3 211.5 +32.0 Mitsubishi UFJ Securities HD (J-GAAP) 14.5 49.4 +240.0 1Q FY2025 1Q FY2026 YoY (%) 84.6 148.1 +75.0 104.6 145.6 +39.2 8.3 24.8 +200.2 Quarterly profit attributable to owners of the Company (*1) Comparison with major securities groups that have disclosed their financial results prior to our company’s earnings announcement (*2) From Q3 FY2025, overseas securities subsidiaries have been excluded from the scope of consolidation (*3) Compiled by SBI Holdings from the information of each company Comparison of Consolidated Performance with Major Securities Groups(*1) (*2) Daiwa Securities Group Inc. and SMBC Nikko Securities are scheduled to announce their financial results on Aug. 3; Mizuho Securities has not yet announced its disclosure date. Profit before Income tax expense
Page 7
6[Unauthorized reproduction is prohibited] 6 1Q FY2025 (Apr. 2025– June 2025) 1Q FY2026 (Apr. 2026– June 2026) YoY change (%) Financial Services Business 384.8 404.8 +5.2 Asset Management Business 8.6 12.5 +45.5 PE Investment Business 42.1 136.1 +223.0 Crypto-asset Business 11.1 13.9 +25.9 Next Gen Business 6.6 13.2 +98.7 (JPY billion) 1Q FY2026 Performance by Segment (IFRS) 1Q FY2025 (Apr. 2025– June 2025) 1Q FY2026 (Apr. 2026– June 2026) YoY change (%) 72.7 116.0 +59.5 1.3 2.7 +103.6 28.0 119.9 +328.0 -0.5 -1.4 - 1.0 3.6 +262.5 Revenue Profit before Income Tax Expense Record high*1 [Year-on-year comparison] Against the backdrop of a buoyant stock market, the Financial Services Business and Asset Management Business grew significantly PE Investment Business benefited significantly from valuation gains recorded on multiple portfolio companies Record high*1 Record high*1 Record high*1 Record high*1 Record high*1 Record high*1 Record high*1 *1 Comparison with1Q results for the FY2021 and beyond, for which financial results are disclosed under the current segment structure. Financial Service Business is also at a record high in comparison with the results since FY2012 when IFRS was adopted *2 Figures are before elimination of the inter-segment transactions
Page 8
7[Unauthorized reproduction is prohibited] 7 The Interim Dividend per Share Is Scheduled to Be JPY30, an Increase of JPY10 from the Same Period Last Year Interim Year-end Annual FY2026 JPY30 TBD TBD (JPY95 or more) FY2025 (result) JPY20 JPY75 JPY95 ■ Dividend per share Note: Dividend amounts in this slide are presented after reflecting a 2- for-1 stock split of common shares, effective December 1, 2025 In light of the strong performance of the Financial Services Business in 1Q FY2026 and the current favorable market conditions, SBIH has decided in advance to increase the interim dividend for FY2026 by JPY10 compared to the same period last year As performance has also been strong compared to the full-year financial results for the previous fiscal year, the SBI Holdings strive for an annual dividend level of JPY95 or more
Page 9
8[Unauthorized reproduction is prohibited] 8 [Business Overview of Each Business Segment]
Page 10
9[Unauthorized reproduction is prohibited] 9 1. Financial Service Business 1Q FY2025 （Apr. 2025 – June 2025） 1Q FY2026 （Apr. 2026 – June 2026） YoY (%) Banking business 41.8 66.3 +58.9 Securities business 22.4 35.2 +57.6 Insurance business 3.7 13.5 +262.7 Breakdown of Profit Before Income Tax Expense In the major segments of Financial Services Business (JPY billion)[Financial Service Business Consolidated Results (IFRS)] 1Q FY2025 （Apr. 2025 – June 2025） 1Q FY2026 （Apr. 2026 – June 2026） YoY (%) Revenue 384.8 404.8 +5.2 Profit before income tax expense 72.7 116.0 +59.5 Record high Record high (JPY billion)
Page 11
10[Unauthorized reproduction is prohibited] 10 • SBI Shinsei Bank (JGAAP) recorded year-on-year growth in profit before income tax expense, driven by an increase in operating assets as well as higher housing loan and other lending-related fees. Profit attributable to owners of the Company was JPY 38.4bn, down 13% YoY, mainly due to an increase in income taxes Profit before income tax expense on an IFRS basis, as recognized in the Company’s consolidated results, was JPY 37.7bn • SBI Shinsei Bank has decided to introduce interim dividends from FY2026 • From SBI SAVINGS BANK, which became an equity-method affiliate in April 2026 (SBI Group voting rights ownership ratio: 41.34%; SBI Group economic interest: 70%), the Company recognized JPY 2.3bn in equity in earnings of affiliates in 1Q FY2026 [Business Highlights] SBI Shinsei Bank Group, SBI ARUHI, SBI SAVINGS BANK (South Korea), SBI Bank (Russia), SBI BANK (CAMBODIA), TPBank (Vietnam), Solaris SE (Germany) etc. [Major constituent companies] 1. Financial Services Business: (1) Banking Business
Page 12
11[Unauthorized reproduction is prohibited] 11 SBI Shinsei Bank forecast profit before income tax expense of JPY 132.0bn for FY2026 (JGAAP) when it announced its full- year results for FY2025 on May 1, 2026, and progress toward the target has been extremely strong [J-GAAP] 1Q FY2025 1Q FY2026 YoY change(%) 87.0 104.3 +20 43.2 58.9 +36 36.6 52.0 +42 44.2 38.4 -13 (JPY billion) Gross operating profit Net operating profit before credit costs Profit before income tax expense Profit attributable to owners of the Company SBI Shinsei Bank 1Q FY2026 Consolidated Performance 1. (1) Banking Business: SBI Shinsei Bank Note: Units are rounded down to second decimals Record high* Record high* Record high* *For 1Q results since FY2004
Page 13
12[Unauthorized reproduction is prohibited] 12 6.3 9.9 11.5 14.6 17.5 304 316 353 387 446 100 200 300 400 0 10 20 End of Mar. 2022 End of Mar. 2023 End of Mar. 2024 End of Mar. 2025 End of Mar. 2026 End of June 2026 Total amount of deposits (Left) Number of accounts (Right) 433 SBI Shinsei Bank’s Retail Accounts Reached a Record High, while Total DepositsAlso Increased, Led by Liquid Deposits 17.3 1. (1) Banking Business: SBI Shinsei Bank Dec. 2021 Joined the SBI Group (JPY trillion) (10 thousand accounts)
Page 14
13[Unauthorized reproduction is prohibited] 13 0.13 0.87 1.29 1.43 47 270 460 581 0 0.2 0.4 0.6 0.8 1 1.2 1.4 1.6 End of Sept. 2025 End of Dec. 2025 End of Mar. 2026 End of June 2026 0 100 200 300 400 500 600 700 SBI Hyper Deposit balance Number of SBI Hyper Deposit accounts “SBI Hyper Deposit,” a Sweep Account Offered by SBI Shinsei Bank in Collaboration with SBI SECURITIES, Has Continued to Perform Strongly, with Both the Number of Accounts and Deposit Balances Increasing Significantly SBI Hyper Deposit launched on Sept. 24, 2025 (JPY trillion) (thousand accounts) 1. (1) Banking Business: SBI Shinsei Bank
Page 15
14[Unauthorized reproduction is prohibited] 14 8.1 10.3 11.4 14.3 18.0 2.6 1.8 0.5 5.7 2.4 0.6 0.5 0.4 3.8 0 2 4 6 8 10 12 14 16 18 End of Mar. 2022 End of Mar. 2023 End of Mar. 2024 End of Mar. 2025 End of Mar. 2026 End of June 2026 18.8 -Increased focus on corporate banking yielded positive results- (JPY trillion) Dec. 2021 Joined the SBI Group SBI Shinsei Bank’s Operating Assets Note1: Includes guarantees not requiring funding (customer’s liabilities for acceptances and guarantees) and marketable securities Note2: Rounded down to the second decimal place Retail banking (housing loans etc.) APLUS etc.* Corporate (corporations etc.) Structured finance Overseas business Marketable securities Shinsei Financial Showa Leasing Other Individual Business Institutional Business 1. (1) Banking Business: SBI Shinsei Bank *Includes lease receivables and installment receivables
Page 16
15[Unauthorized reproduction is prohibited] 15 Profitability Is Improving Amid Rising Domestic Interest Rates 0.33 0.57 0.63 0.63 0.63 0.75 0.85 0.90 1.02 1.05 1.07 1.17 1.30 1.40 End of Dec. 2024 End of Mar. 2025 End of June 2025 End of Sept. 2025 End of Dec. 2025 End of Mar. 2026 End of June 2026 Rate Hike 0.25%→0.50% 0.57% 0.45% 0.41% 0.44% 0.54% 0.55% 0.55% Rate Hike 0.50%→0.75% The interest rate on corporate loans rose to 1.52%, tracking the policy rate increase (+0.10 % points) The mortgage rate rose to 1.04% following the interest rate revision in May 2026 (+0.18 % points) The pass-through rate to retail demand deposits was below 40% of the 0.25 percentage point increase in the policy rate Rate Hike 0.75%→1.00% 1. (1) Banking Business: SBI Shinsei Bank Loan Deposit Interest Spread(Loan Interest Rate – Deposit Interest Rate)* *Banking operations (non-consolidated). Figures represent the weighted-average interest rates applied to outstanding loans/deposits at month-end, weighted by their respective balances
Page 17
16[Unauthorized reproduction is prohibited] 16 Seeking to establish SBI Shinsei Bank as the core of a wide-area regional platform within the SBI Group by pursuing the benefits of greater efficiency and an expanded scope of business through broad-based collaboration between the SBI Group and regional financial institutions nationwide, regardless of capital relationships Shimane Bank and Fukushima Bank Became Equity-method Affiliates of The Company, Further Advancing The “Fourth Megabank Concept” with SBI Shinsei Bank at Its Core Except for Chikuho Bank, with which the capital and business alliance was terminated, the Group maintains sufficient communication with the regional banks in which it has invested to build mutually beneficial relationships, and there is no truth to certain media reports that the Group requested revisions to the terms of the alliances 1. (1) Banking Business: SBI Shinsei Bank “Fourth Megabank Concept” SBI Group has already established various partnerships with more than 100 regional financial institutions nationwide ⇒ SBI Shinsei Bank: 92 financial institution partners Showa Leasing: 63 regional bank-affiliated leasing company partners Further promoting syndicated lending and loan asset distribution ⇒ SBI Shinsei Bank: 26 partner financial institutions; track record: 32 transactions totaling JPY 47.1bn* Showa Leasing: 13 partner financial institutions; track record: 74 transactions totaling JPY 3.9bn* *As of June 30, 2026
Page 18
17[Unauthorized reproduction is prohibited] 17 1. Financial Services Business: (2) Securities Business SBI SECURITIES, SBI Liquidity Market, SBI FXTRADE, SBI MONEYPLAZA, Osaka Digital Exchange, SBI Thai Online Securities (Thailand), SBI Royal Securities (Cambodia), BNI SECURITAS (Indonesia), FPT Securities (Vietnam) etc. [Major constituent companies] • For 1Q FY2026, SBI SECURITIES’ consolidated results (J-GAAP) reflected robust trading centered on domestic and overseas semiconductor-related stocks, together with the steady payoff of its ongoing efforts to diversify revenue sources. Operating revenue reached JPY 91.6bn (+47.5% YoY). Despite higher trading-related expenses accompanying the increase in trading volume, as well as higher personnel and system-related costs associated with business expansion, operating income rose to JPY 31.8bn (+67.4% YoY), a record high • Profit attributable to owners of the parent was record high despite an extraordinary loss of approximately JPY 5.2bn associated with a provision of reserve for financial instruments transaction liabilities [Business highlights]
Page 19
18[Unauthorized reproduction is prohibited] 18 1Q FY2025 (Apr. 2025 - June 2025) 1Q FY2026 (Apr. 2026 - June 2026) YoY (%) Operating Revenue 62.1 91.6 +47.5 Net Operating Revenue 53.3 76.9 +44.3 Operating Income 19.0 31.8 +67.4 Ordinary Income 22.0 32.0 +45.5 Profit attributable to Owners of the Parent 14.0 23.7 +69.3 (Unit: JPY billion) 1.(2) Securities Business: SBI SECURITIES 1Q FY2026 Consolidated Results (J-GAAP) [Year-on-year comparison] Record high Record high Record high Record high Record high Profit attributable to owners of the parent recorded an extraordinary loss of approximately JPY 5.2bn for the provision of reserve for financial instruments transaction liabilities
Page 20
19[Unauthorized reproduction is prohibited] 19 7.5 7.4 11.12.3 2.1 3.7 11.3 15.7 1715.6 12.8 21.720.1 24.1 38.0 0 10 20 30 40 50 60 70 80 90 100 1Q FY2024 1Q FY2025 1Q FY2026 (JPY billion) YoY +47.5%91.6 (41.5%) (35.4%) (3.4%) (25.3%) (20.6%) (38.8%) (11.9%) 62.1 56.8 (27.5%) (19.9%) (4.0%) (13.2%) (23.7%) (4.0%) (12.1%) (18.6%) SBI SECURITIES Achieved Revenue Increase by Strengthening and Diversifying Its Revenue Sources 1.(2) Securities Business: [Comparison of SBI SECURITIES’ Consolidated Operating Revenue (Net Sales) Breakdown] * Based on J-GAAP Commissions Trading revenues Other commissions Financial revenues (Investment trust fees, advisory fees, bank agency business fees, management fees for margin accounts etc.) (Domestic stocks (face to face transaction), foreign stocks, futures, options etc.) Underwriting/Offering commissions/Sales commissions
Page 21
20[Unauthorized reproduction is prohibited] 20 7.4 7.7 8.7 8.9 11.1 2.1 1.4 7.8 2.9 3.7 15.7 14.7 15.4 14.8 17.0 12.8 10.7 17.0 16.0 21.7 24.1 32.1 29.4 34.9 38.0 0.0 10.0 20.0 30.0 40.0 50.0 60.0 70.0 80.0 90.0 100.0 1Q FY2025 2Q FY2025 3Q FY2025 4Q FY2025 1Q FY2026 78.3 62.1 66.7 77.4 Commissions Trading revenues Underwriting/Offering commissions/Sales commissions Financial revenues (Domestic stocks (face to face transaction), foreign stocks, futures, options etc.) (Investment trust fees, advisory fees, bank agency business fees, management fees for margin accounts etc.) Other commissions (JPY billion) 1.(2) Securities Business: Quarterly Revenues at SBI SECURITIES Have Remained Robust [Comparison of SBI SECURITIES’ Quarterly Consolidated Operating Revenue (Net Sales) Breakdown] *Based on J-GAAP (Apr. – June 2025) （July – Sept. 2025) (Oct. – Dec. 2025) (Jan. – Mar. 2026) QoQ +18.3% (Apr. – June 2026) 91.6 * Based on J-GAAP
Page 22
21[Unauthorized reproduction is prohibited] 21 1,867 4,467 2,461 0 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Mar. Nomura SBI 2010 2012 2014 2016 CAGR*2：13.4% 2018 2020 2022 SMBC Nikko 2024 2026 (EOM) CAGR*2: 3.0 % CAGR*2:1.9% 16,383 Thousand accounts 4,057 Thousand accounts Number of Securities Accounts at the SBI Group Surpasses 16m for the First Time in the Industry with Contribution from the ZERO Revolution and Open Alliance [Number of Securities Accounts of the SBI Group* and Major Face-to-face Securities Companies] (End of Mar. 2009 - end of Mar. 2026) Sept. 30, 2023 Start of “ZERO Revolution” May 2022 Announced that fees will be eliminated during 1H FY2023 June 2019 Announced the concept of eliminating fees for online domestic stock trading (Thousand accounts) *1 Figures include accounts of FOLIO and SBI Neotrade Securities *2 CAGR is calculated from end of Mar.2009 - end of June 2026 6,136 Thousand accounts 1.(2) Securities Business: As of end of June 2026 Announcement Scheduled on August 3 (End of)
Page 23
22[Unauthorized reproduction is prohibited] 22 18.3 20.0 22.7 31.6 33.1 40.7 3.7 5.6 6.9 12.3 16.9 25.4 0.0 10.0 20.0 30.0 40.0 50.0 60.0 70.0 80.0 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q Assets Under Custody of SBI Group’s Securities Business Exceeded JPY 75tn Driven by Expansion of Accumulation Type Investment Centered on Investment Trusts FY2025FY2024FY2023FY2022FY2021FY2020 (JPY Trillion) -Target JPY 100tn in assets under custody by the end of Mar. 2029- Trend of Assets Under Custody*1 (End of 4Q FY2020 to End of 1Q FY2026) *1 Assets under custody include FOLIO, SBI Neotrade Securities, etc. *2 Investment trust balance shows the balance of SBI SECURITIES only (End of) Start of ZERO Revolution (September 2023) FY2026 Investment trust balance JPY 31.2tn Equities, bonds, others JPY 44.1tn *266.1 JPY 75.3tn 50.1 44.0 29.6 25.622.0 1.(2) Securities Business:
Page 24
23[Unauthorized reproduction is prohibited] 23 154.4 134.0 99.1 28.4 126.5 152.5 167.5 212.1 157.4 219.0 142.8 87.6 385.9 393.5 220.9 269.0 425.8 464.7 0 50 100 150 200 250 300 350 400 450 500 Jan. Feb. Mar. Apr. May June July Aug. Sept. Oct. Nov. Dec. 2025 2026 Growth in capital gains at SBI SECURITIES is boosting investors’ capacity to reinvest, and a virtuous cycle is expected in which this encourages additional investment and a shift of funds into other financial products *Covers only products eligible for specific accounts. *Excludes capital gains from general accounts, NISA accounts, etc. (JPY billion) Cumulative total for 2025 Jan.-June: JPY 694.9bn Cumulative total for 2026 Jan.-June: JPY 2,159.6bn Trend in capital gains in SBI SECURITIES’ withholding- type specific accounts (excluding dividends) Record high Capital Gains Realized by Retail Investors at SBI SECURITIES Reached a Record High 1.(2) Securities Business:
Page 25
24[Unauthorized reproduction is prohibited] 24 Ongoing efforts to diversify revenue sources are progressing steadily at SBI SECURITIES ① Financial revenues ② Trading revenues ③ Other commissions(Asset management fees for investment trusts, M&A advisory fees, etc.) ④ Commissions ⑤ Underwriting/Offering commissions/ Sales commissions [In order of revenue contribution]
Page 26
25[Unauthorized reproduction is prohibited] 25 13.0 15.5 16.3 18.2 21.6 0.0 5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0 1Q 2Q 3Q 4Q 1Q 0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. Apr May June 1Q 2Q 3Q 4Q 1Q YoY +57.7% 29.4 32.1 24.1 38.0 ■ Of which from margin trading 34.9 Open Interest Credit Balance at SBI SECURITIES Surpasses JPY 3.2tn and Financial Revenues Achieved an All-Time High ① Financial revenues: [Open Interest Credit Balance (EoM)] [Financial Revenues] (JPY billion)(JPY trillion) FY2025 FY2026 FY2025 FY2026 End of 1Q FY2026 JPY 3.26tn End of 1Q FY2025 JPY 1.92tn (End of) Record high Record high
Page 27
26[Unauthorized reproduction is prohibited] 26 0.4 2.3 3.8 4.9 2.7 3.6 1.7 1.7 2.4 3.7 6.86.5 8.3 8.3 6.4 11.3 0 5 10 15 20 25 1Q 1Q 1Q 1Q 1Q (JPY billion) SBI SECURITIES’ Trading Revenues Achieved a Record High FY2022 *Crypto asset trading revenue is not included from 3Q FY2022 onward 12.8 15.6 10.9 13.8 Equity-related revenue rose sharply on the back of a strong Japanese stock market, while revenue from foreign bonds remained flat amid the U.S. interest-rate environment While spot revenue was in line with the same period a year earlier, swap revenue reached a record high on strong investment demand for high- yielding currencies FX revenue Bond-related revenue, Equity-related revenue, etc. 11.9 13.1 14.3 23.3 0 10 20 30 2Q 3Q 4Q 1Q FY2025 (JPY billion) Trend in customer profit and loss*1 in the SBI Group’s FX business*2 21.7 *1 Includes unrealized gains *2 Total of SBI SECURITIES SBI FXTRADE and MONEY SQUARE ② Trading revenues: Record high FY2026 FY2024 FY2025 FY2026FY2023 FX Revenue Equity-related revenue, etc. Bond-related revenue Crypto asset trading revenue*
Page 28
27[Unauthorized reproduction is prohibited] 27 Investment Trust Fees at SBI SECURITIES Reached Record High, Driven by an Increase in Investment Trust Balance -Monthly investment savings deposits surpasses JPY 330bn- [Investment Trust Fees][Quarterly Investment Trust Balance at SBI SECURITIES ] 5.6 8.2 14.6 19.0 31.2 0.32 0.27 1.06 0.72 1.33 0.0 0.5 1.0 1.5 2.0 0.0 5.0 10.0 15.0 20.0 25.0 30.0 35.0 1Q2Q3Q4Q1Q2Q3Q4Q1Q2Q3Q4Q1Q2Q3Q4Q1Q Quarterly Investment Trust Balance Net increase (purchases - cancellations) 4.0 4.7 5.3 5.7 6.4 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 5.0 5.5 6.0 6.5 7.0 1Q 2Q 3Q 4Q 1Q FY2022 FY2023 (JPY trillion) (JPY billion) FY2024 FY2025 YoY +60.0% (End of) (JPY trillion) FY2025 FY2026 Record high YoY +64.2% Record high FY2026 ③ Other commissions
Page 29
28[Unauthorized reproduction is prohibited] 28 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 5.0 1Q FY2023 1Q FY2024 1Q FY2025 1Q FY2026 Spot Margin Revenue from Foreign Stocks at SBI SECURITIES Grew Substantially 100 167 169 319 1Q FY2023 1Q FY2024 1Q FY2025 1Q FY2026 Trend in revenue from foreign stocks • In addition to 5,400 U.S. stocks—among the largest lineups in the industry— SBI SECURITIES handle stocks from China, South Korea, Russia, Vietnam, Indonesia, Singapore, Thailand, and Malaysia. • This quarter saw active trading in U.S.-listed SpaceX (SPCX) and memory ETF (DRAM), both newly added in June, as well as increased trading in Korean semiconductor-related stocks • In July, applications for the U.S. stock lending service were changed from once a month to every domestic business day. Plans are underway to support pre- market trading of U.S. equities (pre-market and after-market) going forward. Trend in trading value of U.S. stocks *Revenue for 1Q FY2023 indexed to 100 (JPY trillion) JPY 4.4tn JPY 1.4tn JPY 2.8tn JPY 0.2tn Sept. 2023 Start of ZERO Revolution ④ Commissions: Foreign stocks Record high Record high Sept. 2023 Start of ZERO Revolution
Page 30
29[Unauthorized reproduction is prohibited] 29 100 116 118 149 164 1Q 2Q 3Q 4Q 1Q 100 102 114 143 151 1Q 2Q 3Q 4Q 1Q SBI SECURITIES’ Institutional Investor Business is Growing Rapidly as a New Pillar of Revenue -Rapid expansion driven by client growth and market tailwinds- YoY +64.1% YoY +51.3% *Core revenue: Trading Commissions on Japanese equities, etc. FY2025 FY2026 ④ Commissions: Institutional investor business Trends in Institutional Investor Trading Value at SBI SECURITIES Trends in Institutional Investor Core Revenue* at SBI SECURITIES (1Q FY2025 indexed as 100) (1Q FY2025 indexed to 100) FY2025 FY2026
Page 31
30[Unauthorized reproduction is prohibited] 30 15.2 18.3 29.7 26.7 36.9 35.6 26.6 35.6 31.5 31.6 52.0 141.5 151.9 0 20 40 60 80 100 120 140 160 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q FY2023 FY2024 FY2025 FY2026 -Quarterly sales renewed its record high- Trend in SBI SECURITIES’ retail JGB sales and the 10-year JGB yield (JPY billion) (1Q FY2023-1Q FY2026) 0.0 0.5 1.0 1.5 2.0 2.5 3.0 （%） ■ Retail JGB sales value (left axis) ー 10-year JGB yield (right axis) With further rate hikes anticipated, demand is expected to continue for retail JGBs, whose investment appeal is increasing 3.5 SBI SECURITIES Is Strategically Focusing on Retail JGBs ⑤ Underwriting/Offering commissions/Sales commissions: Retail JGBs
Page 32
31[Unauthorized reproduction is prohibited] 31 Company name Number of cases Underwriting share (%) SBI 10 90.9 Monex 9 81.8 Okasan 8 72.7 Iwai Cosmo 6 54.5 Matsui 6 54.5 Rakuten 6 54.5 SMBC Nikko 5 45.5 Tokai Tokyo 5 45.5 Daiwa 4 36.4 Mizuho 4 36.4 Mitsubishi UFJ eSmart 4 36.4 Underwriting amount of corporate bonds and public bonds at SBI SECURITIES 24.4 79.0 114.8 135.5 105.1 1Q FY2022 1Q FY2023 1Q FY2024 1Q FY2025 1Q FY2026 100 1,225 1,842 2,140 2,460 1Q FY2022 1Q FY2023 1Q FY2024 1Q FY2025 1Q FY2026 (1Q FY2022 indexed to 100) (Unit: JPY billion) *Revenue from corporate bonds and public bonds ⑤ Underwriting/Offering commissions/Sales commissions: IPO, bond underwriting SBI SECURITIES Is Strengthening Its Primary and Secondary Underwriting Business for Stocks and Bonds IPO Underwriting Ranking (Apr. 2026-June 2026) 11 companies were listed during Apr. 2026 to June 2026 • The above IPOs represent issues underwritten in Japan only and do not include additional secondary or overseas issues • The data was compiled by SBI Holdings based on each company's published information Revenue from JPY bonds* at SBI SECURITIES
Page 33
32[Unauthorized reproduction is prohibited] 32 1. Financial Services Business: (3) Insurance Business • For 1Q FY2026, consolidated results for the SBI Insurance Group (J-G AAP, preliminary figures) were driven by a steady increase in insurance policy contracts across the Group, with ordinary revenues increasing 20.6% YoY to JPY 42.1bn, a record high • Ordinary profit increased 23.3% YoY to JPY 6.0bn, and profit attributable to owners of the parent also reached a record high, increasing 9.8% YoY to JPY 2.4bn • A business contribution of approx. JPY 8.9bn due to the inclusion of equity in earnings of Kyobo Life Insurance (became an equity-method affiliate in Jan. 2026, SBI Group’s voting rights ratio: 20.4%) [Major constituent companies] SBI Insurance Group, SBI Insurance, SBI Life Insurance, Small- amount short-term insurance companies, LY HOUR SBI Insurance, Kyobo Life Insurance [Business highlights]
Page 34
33[Unauthorized reproduction is prohibited] 33 SBI Insurance Group’s Consolidated Performance (Preliminary Figures) *Final consolidated figures for 1Q FY2026 to be released on Aug. 6th Consolidated results for 1Q FY2026 (J-GAAP) 1. (3) Insurance Business： 1Q FY2025 (Apr. 2025 – June 2025) Result 1Q FY2026 (Apr. 2026 – June 2026) Preliminary YoY change (%) Ordinary revenue 34.9 42.1 +20.6 Ordinary profit 4.9 6.0 +23.3 Profit attributable to owners of the Company 2.2 2.4 +9.8 (JPY billion) Record high Record high Record high
Page 35
34[Unauthorized reproduction is prohibited] 34 SBI Insurance Group’s Total Number of In-Force Contracts SBI IG CAGR (End of Mar. 2016 to end of June. 2026) 13.6% Sept. 2020, SBI JOGUCHI SAFETY SSI joined the Group June 2019, SBI PRISM SSI joined the GroupSept. 2016, SBI Nihon SSI joined the Group (million contracts) Sept. 2023, SBI Pet SSI joined the Group 1.00 1.61 1.73 1.87 2.08 2.33 2.46 2.60 2.82 2.99 3.18 3.25 0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 Mar. 2016 Mar. 2017 Mar. 2018 Mar. 2019 Mar. 2020 Mar. 2021 Mar. 2022 Mar. 2023 Mar. 2024 Mar. 2025 Mar. 2026 June 2026 End of Apr. 2025 Surpassed 3m contracts! 1. (3) Insurance Business： Nippon Life (Non-consolidated) (CAGR) (End of Dec. 2015 – End of Mar. 2026) (Reference) Dai-ichi Life (Non-consolidated) (CAGR) (End of Dec. 2015 – End of Mar. 2026) 6.8% 2.9%
Page 36
35[Unauthorized reproduction is prohibited] 35 Business Progress and Operational Status of Kyobo Life Insurance, Which Became an Equity- Method Associate in Jan. 2026 • Became an equity-method associate in Jan. 2026 (investment ratio: 20.42%) • Recorded approx. JPY 8.9bn as investment profit under the equity method on an IFRS basis at SBI Holdings for 1Q FY2026 • In addition to profit growth in the investment business due to a favorable stock market, profit increased in the core insurance business, the only such increase among the top three Korean life insurance • Total assets stood at approx. JPY 16.34tn as of the end of Mar. 2026 *Converted at 1 KRW = JPY 0.11 The transfer was completed on Apr. 6, 2026 (SBI Group’s voting rights ownership ratio after the transfer: 41.34%) Although SBI SAVINGS BANK transitioned to an equity-method affiliate of the SBI Group, the Group retains a 70% economic interest (from Apr. 2026, its financial performance is recognized as “share of profit on investments accounted for using the equity method”) Partial transfer of shares of SBI SAVINGS BANK to Kyobo Life Insurance: 1. (3) Insurance Business ：
Page 37
36[Unauthorized reproduction is prohibited] 36 2. Asset Management Business [Asset Management Business Consolidated Results (IFRS)] [Business Highlights] [Major constituent companies] SBI Global Asset Management (SBIGAM), SBI Asset Management (SBIGAM subsidiary), Wealth Advisor (SBIGAM subsidiary), SBI Okasan Asset Management (SBIGAM subsidiary), Rheos Capital Works (SBIGAM subsidiary) • Assets under management grew steadily amid a strong Japanese stock market, resulting in substantial YoY increases in revenue and profit. Revenue and profit before income tax expense both reached record highs • SBI Global Asset Management raised its interim dividend to JPY9.50 per share. For the year-end dividend, the basic policy is to continue increases for the 18th consecutive fiscal year (JPY billion) 1Q FY2025 （Apr. 2025 – June 2025） 1Q FY2026 （Apr. 2026 – June 2026） YoY change （%） Revenue 8.6 12.5 +45.5 Profit before income tax expense 1.3 2.7 +103.6 Record high Record high
Page 38
37[Unauthorized reproduction is prohibited] 37 Consolidated Results of SBI Global Asset Management (J-GAAP) (Unit: JPY billion) 1Q FY2025 (Apr. 2025–June 2025) 1Q FY2026 (Apr. 2026–June 2026) YoY change (%) Revenue 2.8 12.8 +350.9 Ordinary income 0.8 2.7 +240.6 Profit attributable to Owners of the Company 0.5 1.4 +177.2 Record High Record High Record High 2. Asset Management Business： (Note) SBI Okasan Asset Management was consolidated as a subsidiary in Sept. 2025, and its financial results have been included from the same month. In addition, SBI Rheos Hifumi was merged into SBI Global Asset Management as the surviving company in Dec. 2025, and the financial results of Rheos Capital Works have been included from the same month
Page 39
38[Unauthorized reproduction is prohibited] 38 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 11,000 12,000 13,000 14,000 Mar. 2015 Mar. 2016 Mar. 2017 Mar. 2018 Mar. 2019 Mar. 2020 Mar. 2021 Mar. 2022 Mar. 2023 Mar. 2024 Mar. 2025 Mar. 2026 June 2026 *1 Exchange rates as of the end of each month are applied *2 Amounts are rounded to the nearest JPY 100m *3 Figures for SBI Global Asset Management Group companies (hereinafter “asset management companies”) are recorded under both investment trusts and investment advisory, and therefore include some overlap *4 Figures for asset management companies include publicly offered investment trusts, bond investment trusts, and privately placed investment trusts ← ← ← 13,980（JPY billion） 2. Asset Management Business： SBI Global Asset Management Group’s AUM Reached Approximately JPY 14tn Rheos Capital Works JPY 1,791.1bn SBI Asset Management (including CARRET) JPY 9,402.0bn SBI Okasan Asset Management JPY 2,787.3bn -Targeting JPY 20tn During FY2026 and JPY 50tn by FY2029-
Page 40
39[Unauthorized reproduction is prohibited] 39 1Q FY2025 (Apr. 2025–June 2025) 1Q FY2026 (Apr. 2026–June 2026) YoY change (%) Revenue 42.1 136.1 +223.0 Profit before income tax expense 28.0 119.9 +328.0 Profit/loss from the change in fair value and profit/loss on sales of investment securities 30.3 116.1 +283.4 [PE Investment Business Consolidated Results (IFRS)] 3. PE Investment Business [Major constituent companies/businesses] SBI Investment, SBI Shinsei Corporate Investment, SBI Regional Business Investment, Overseas PE investment companies (Unit: JPY billion)
Page 41
40[Unauthorized reproduction is prohibited] 40 IPOs and M&As of the SBI Group’s Investee Companies*1 *1 Direct investments from SBI Holdings, etc., as well as portfolio companies of domestic and overseas funds managed by PE investment companies *2 Listed on the OTC market in FY2025 and officially listed on TPEx in FY2026 *3 SPAC listing under the same company name FY2025 Results FY2026 Prospects Number of IPO・ M&A deals 17 27 3. PE Investment Business: Listing Date Investee company Market Apr. 22, 2026 Innostar Service, Inc. TPEx*2 May 27, 2026 InPsytech, Inc. TPEx (OTC market) June, 1,2026 D-Fend Solutions AD Ltd. M&A June 26, 2026 AuthenX Inc TPEx (OTC market) July 2, 2026 Securitize Corp.*3 NYSE Initial prices of all three companies with set offer prices exceeded their offer prices
Page 42
41[Unauthorized reproduction is prohibited] 41 Promising Investee Companies Across a Range of Advanced Sectors Continue to Drive Strong Profit Contributions in FY2026 ① As of the beginning of the fiscal year, the portfolio comprised 13 investee companies expected to make significant profit contributions in FY2026, and more than 20 in total, including those expected to contribute from FY2027 onward [By Industry] Semiconductors 5 companies Fintech 2 companies AI, Energy, Defense, Digital Assets, Quantum Technology, and Cybersecurity 1 company each [By Region] North America 5 companies Europe 4 companies Asia 2 companies The portfolio spans a broad range of sectors and regions, making it less susceptible to any single market environment, while the results of investments made to date are expected to materialize progressively Japan and the Middle East Breakdown of the 13 Investee Companies Expected to Contribute to Profits in FY2026 1 company each
Page 43
42[Unauthorized reproduction is prohibited] 42 • Profits from 6 companies have already been recognized in 1Q • Profit contributions are expected from 7 companies with high or medium likelihood from 2Q onward 6 companies Recognized 5 companies High Likelihood 2 companies Medium Likelihood Unit: companies IPO M&A Fundraising Other Total Recognized ― 1 5 ― 6 High Likelihood 2 ― 2 1 5 Medium Likelihood ― 1 1 ― 2 Total 2 2 8 1 13 [FY2026 Profit Recognition Status and likelihood by Profit Recognition Driver] Promising Investee Companies Across a Range of Advanced Sectors Continue to Drive Strong Profit Contributions in FY2026 ②
Page 44
43[Unauthorized reproduction is prohibited] 43 Distribution of XRP Partly Held by Ripple, an SBI Group Investee Company 3. PE Investment Business Max supply: 100bn XRP [Burned] (Amount burned as transaction fees) Approx. 0.01bn XRP [XRP circulated in the market] Approx. 62.53bn XRP (Market Capitalization: approx. JPY 11.0tn) [Current Ripple’s holdings that are not in circulation] (Equivalent to approx. JPY 6.6tn) [Actual XRP] Approx. 5.15bn XRP [Under escrow] 32.3bn XRP *The quantities of various XRP holdings and the market value has been calculated based on XRP price, are as of July 30, 2026
Page 45
44[Unauthorized reproduction is prohibited] 44 Breakdown of operating investment securities by region Balance (JPY billion) Japan 261.3 China 6.4 Korea 4.7 Southeast Asia 33.9 India 6.6 U.S. 490.4 Europe 72.2 Others 254.1 Total 1,129.7 Breakdown of operating investment securities by Industry Balance (JPY billion) Internet/AI/IoT 186.8 Fintech services 89.1 Digital Asset/Blockchain 452.2 Finance 58.9 Biotechnology/Health/Medical 38.7 Environmental/Energy 180.9 Machine/Automobile 17.9 Services 27.7 Retail/Food 2.4 Materials/Chemicals 3.8 Construction/Real estate 8.4 Others 1.5 Equity interests in external and non- consolidated funds 61.3 Total 1,129.7 Private equity, etc. JPY 1,312.5 bn *1 Private equity investment balance derived from the balance for consolidated operating investment securities included in the balance from business segments without investment business, plus balance of investment from non-consolidated funds with low investment rate such as CVC fund despite involving in operation as GP etc. *2 Composed of cash in funds and unpaid capital which is to be paid on a capital call *3 Calculated by the exchange rate as of the end of June 2026 *4 Amounts are rounded to the nearest JPY 0.1bn (Excluding JPY 335.1bn of both cash and commitment amount to be paid in) Assets Under Management of the SBI Group (As of the end of June 2026) Investment from non-consolidated Group management funds Balance (JPY billion) Corporate venture capital (CVC) 38.0 Others (Overseas JV fund, etc.) 144.8 Total 182.8 3. PE Investment Business: (*1) (*2)
Page 46
45[Unauthorized reproduction is prohibited] 45 (Unit: JPY billion) 1Q FY2025 (Apr. 2025- June 2025) 1Q FY2026 (Apr. 2026- June 2026) YoY change (%) Revenue 11.1 13.9 +25.9 Profit before income tax expense -0.5 -1.4 - 4. Crypto-asset Business [Crypto-asset Business Consolidated Performance (IFRS)] [Major constituent companies / business] SBI VC Trade, B2C2, etc. • The crypto asset market remains sluggish, as if waiting to see the outcome of the CLARITY Act currently under deliberation in the U.S. Meanwhile, as legal frameworks in the U.S. continue to advance, including the GENIUS Act scheduled to take effect no later than Jan. 2027, SBI VC Trade, which operates a crypto asset exchange in Japan, and the UK’s B2C2, a global crypto asset market maker, are focusing on expanding their business foundations to maximize earnings during the next market upswing [Business highlights]
Page 47
46[Unauthorized reproduction is prohibited] 46 30.5 63.4 80.7 165.0 193.1 200.0 0 50 100 150 200 Mar. June Sept. Dec. Mar. June Sept. Dec. Mar. June Sept. Dec. Mar. June Sept. Dec. Mar. June Trends in the Number of the SBI Group’s Crypto Asset Accounts in Japan (Combined Total of VCTRADE and BITPOINT Services) 2025202420232022 2026 Including Bitbank’s figures (subsidiary in Aug.; scheduled to become wholly owned in Oct.), accounts will total approx. 3m* and assets under custody approx. JPY 870bn*, placing the SBI Group among industry leaders *As of the end of June 2026 End of June 2023- End of June 2026 CAGR: 44.2% July 2022 BITPoint Japan joins the Group (10 Thousand accounts) -As of Apr. 1, 2026, SBI VC Trade absorbed and merged with BITPoint Japan, with SBI VC Trade as the surviving company- Total deposit balance of VCTRADE and BITPOINT is approx. JPY 530bn *As of July 30, 2026 Mar. 2025 DMM Bitcoin accounts and custodial assets transferred to SBI VC Trade 4. Crypto-asset Business：
Page 48
47[Unauthorized reproduction is prohibited] 47 5. Next Gen Business • In addition to JPY 1.5bn in equity in earnings of affiliates from Mynavi, which became an equity-method affiliate in Nov. 2024, the Next Gen Business segment achieved record-high revenue and profit before income tax expense , partly reflecting the effects of business restructuring [Major constituent businesses] Biotechnology and healthcare businesses, Neo-media business, other businesses including Web3, Mynavi Corporation [Next Gen Business Segment Consolidated Performance (IFRS)] [Business highlights] 1Q FY2025 (Apr. 2025 – June 2025) 1Q FY2026 (Apr. 2026 – June 2026) YoY change (%) Revenue 6.6 13.2 +98.7 Profit before income tax expense 1.0 3.6 +262.5 Record high Record high (JPY billion)
Page 49
48[Unauthorized reproduction is prohibited] 48 Ⅱ. Other Key Topics from Apr. to July 2026 Key topics related to Three Key Strategic Objectives in anticipation of SBI Group’s 30th anniversary (FY2028) ・AI related…………………… 1 topic ・On-chain related……… 15 topics ・Neo-media related……4 topics Key topics related to other existing businesses …6 topics
Page 50
49[Unauthorized reproduction is prohibited] 49 Key Developments in On-Chain Financial Business ① June 10 Participated in the token issuance fundraising round by Morpho Association, a provider of an on-chain lending protocol May 1 Concluded a Memorandum of Understanding (MOU) with Visa to explore a collaboration in digital finance and payments. Also issued the “SBI VISA Crypto Card,” which allows users to accumulate crypto assets May 12 SBI Holdings participate in Circle’s ARC token presale June 18 Invested in UAE-based Fasset, an operator of stablecoin payments and crypto-asset trading platforms. SBI Remit signed an MoU for building next-generation international remittance infrastructure June 24 SBI VC Trade commenced handling “RLUSD,” a U.S. dollar-denominated stablecoin that is Japan’s first Type 4 Electronic Payment Instrument
Page 51
50[Unauthorized reproduction is prohibited] 50 Key Developments in On-Chain Financial Business ② June 24 Began issuance of “JPYSC,” Japan’s first trust-type (Type 3 Electronic Payment Instrument) yen-denominated stablecoin (the on-chain balance is approximately JPY 20bn, as of July 31, 2026) June 25 Concluded an MOU and share transfer agreement regarding the acquisition of shares in Bitbank ・ Number of accounts: 1,004,000; Deposit balance: approx. JPY 380bn *As of end of June 2026 July 8 Invested in U.S.-based EDX Markets, a crypto-asset exchange tailored for institutional investors July 10 Made U.S.-based Gauntlet, an on-chain data management and custody service provider, an equity-method affiliate July 13 Unveiled three core tactics for digital asset market strategy at WebX2026: 1. Aggressively expand the exchange business globally 2. Diversify crypto-asset products 3. Expand the institutional investor business
Page 52
51[Unauthorized reproduction is prohibited] 51 Key Developments in On-Chain Financial Business ③ July 16 SBI VC Trade began accepting applications for its JPYSC lending service July 15 Achieved the world’s first public on-chain tokenization of a Japanese equity fund. DigiFT tokenized the “SBI Japan High Dividend Equity Fund” managed by SBI Asset Management July 16 Entered a strategic partnership with Ondo Finance, a leading U.S. tokenization platform July 17 Made Coinhako, a major Singapore crypto-asset platform, a consolidated subsidiary ・ Investment ratio: SBI Group 51% ・ Number of accounts: 537,000; Deposit balance: approx. JPY 100bn *As of end of June 2026; converted at 1 SGD = JPY 126.773 July 13 Launched a strategic collaboration with Solana Foundation to build an on-chain financial market from Japan. As part of this effort, “SBI R3 Japan” plans to change its trade name to “SBI Solana Global”
Page 53
52[Unauthorized reproduction is prohibited] 52 Key Topics Related to the Neo-Media Business July 29 SBIH has entered into a capital and business alliance agreement with GENDA Inc., a company listed on the TSE Growth Market that operates a wide range of entertainment businesses, including amusement, karaoke, and film distribution June 1 SBI NEO MEDIA HOLDINGS(SBI NMH) enters into a strategic business alliance agreement with Dentsu Inc. and Dentsu Digital Inc. Endeavors to create new business opportunities spanning advertising, marketing, finance, AI, and other fields Apr. 17 SBI Investment establishes the “Cool Japan-SBI Content Investment Limited Partnership” jointly with Cool Japan Fund, Inc. June 26 SBIH and SBI NMH commence discussions toward a strategic capital and business alliance with Fuji Media Holdings, Inc. Broadly examines the potential for strategic collaboration that leverages both companies’ business platforms and expertise in the media and content fields to enhance corporate value
Page 54
53[Unauthorized reproduction is prohibited] 53 Key Topics Related to Other Existing Businesses ① June 2 SBI Group fully promotes AI transformation in collaboration with Anthropic as the first Japanese financial group together with Ridge-i The three companies are implementing cutting-edge security and introducing finance AI agent May 26 Olive Consulting, a company jointly funded and established by the SBI Group and SMBC Group, launches its new digital asset management service “Olive Consulting” In just one month since its launch, Assets Under Custody surpasses JPY 1tn and the number of accounts exceeds 100,000 May 1 Reach basic agreement to establish a joint venture with State Street Investment Management, one of the world’s largest index managers Strive for the provision of next-generation low-cost index investment products in Japan Asset Management Financial Services AI
Page 55
54[Unauthorized reproduction is prohibited] 54 June 4 SBI ALApromo holds a presentation about the business strategy centered on the new 5- ALA ingredient brand “SBI 5-ALA,” together with Kyowa Hakko Bio of the Kirin Group, a business alliance partner (collaboration and manufacturing outsourcing) Next Gen June 10 Decide to invest in the “IOWN AI Fund,” organized by NTT, its capital and business alliance partner Investment targets consist of a wide range of areas, ranging from photonics, semiconductors, advanced packaging, power optimization, and distributed computing infrastructure to AI software and application fields, that contribute to the development of next-generation AI infrastructure and industrial foundations PE Investment July 21 SBI Remit obtains the authorization for Type I Funds Transfer Services and begins preparations to launch its international remittance service “Remit Prime,” which sets a maximum transfer amount of JPY 1 bn per transaction Financial Services Key Topics Related to Other Existing Businesses ② July 30 FOLIO Holdings (SBI Group’s ownership ratio:69.42%) applied for a new listing on the TSE Financial Services
Page 56
55[Unauthorized reproduction is prohibited] 55 [Reference Materials]
Page 57
56[Unauthorized reproduction is prohibited] 56 0 500 1,000 1,500 2,000 2,500 3,000 June Aug. Oct. Dec. Feb. Apr. June Aug. Oct. Dec. Feb. Apr. June Aug. Oct. Dec. Feb. Apr. June 2023 2024 2025 2026 (Thousand accounts) 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 5,000 June Aug. Oct. Dec. Feb. Apr. June Aug. Oct. Dec. Feb. Apr. June Aug. Oct. Dec. Feb. Apr. June 2023 2024 2025 2026 Number of Accounts among Major FX Trading Companies （As the end of June 2023–June 2026） Customer Margin Deposits among Major FX Trading Companies （As the end of June 2023–June 2026） SBI Group Is the Top in the Industry for Numbers of FX Accounts and Margin Deposits Securities Business: (JPY 100m) SBI Group(*1) Gaitame.com(*3) GMO Group (*2) Hirose Tusyo SBI Group(*1) Gaitame.com(*3) GMO Group (*2) Hirose Tusyo Source: Compiled by SBI Holdings from the information on websites and disclosures of each (*2) Figures of GMO CLICK Securities, GMO Gaika (Formerly GaikaEX by GMO which joined the GMO Group in Sept. 2021) and GMO Coin (Merged with FX prime byGMO, with numbers added from January 2024) are combined and listed as “GMO Group” (*3) Gaitame.com transferred the FX service accounts of the former Money Partners to the company on June 28, 2025 (*1) “SBI Group” includes FX accounts of SBI SECURITIES, SBI FXTRADE, and MONEY SQUARE(which joined the SBI Group in Aug. 2025) (End of) (End of)
Page 58
57[Unauthorized reproduction is prohibited] 57 1,242 0 300 600 900 1,200 Nov. May Nov. May Nov. May Nov. May Nov. May Nov. May Nov. May Nov. May Nov. May SBI SECURITIES 2017 2019 2021 2023 2025 * Cumulative total number of subscribers and transfers announced by the National Pension Fund Association Source: Briefing paper of the National Pension Fund Association (partially includes estimates by SBI Holdings) SBI SECURITIES Continues to Enhance the Convenience of its Individual-Type Defined Contribution Pension (iDeCo) and Maintains its Position as the Industry Leader in Cumulative Customer Number <Cumulative Number of Customers (subscribers & transfers*) of iDeCo by Planning Administrator> (End of Nov. 2017 – End of May 2026) Company A Company C Company D Company B (thousand) 2024202220202018 2026(End of) Securities Business:
Page 59
58[Unauthorized reproduction is prohibited] 58 Striving to Further Expand iDeCo and Corporate- Type DC Plans Administered by SBI Benefit Systems, as a Strategic Product 121 1,581 0 500 1,000 1,500 Mar. 2016 Mar. 2018 Mar. 2020 Mar. 2022 Mar. 2024 Mar. 2026 CAGR (End of Mar. 2016 - End of June 2026） 28.5% (Thousand) [Cumulative Number of SBI Benefit Systems Subscribers for DC (individual type + corporate type)] [Balance of Investment Trust for 401K (individual type + corporate type) Distributed by SBI SECURITIES] 59 3,173 0 500 1,000 1,500 2,000 2,500 3,000 3,500 Mar. 2016 Mar. 2018 Mar. 2020 Mar. 2022 Mar. 2024 Mar. 2026 CAGR (End of Mar. 2016 - End of June 2026） 47.4% (JPY billion) (End of) SBI SECURITIES made administrative fees for iDeCo to be completely free of charge on May 19, 2017, to further expand iDeCo business Corporate type DC has 22,136 entrusted business locations and over than 240,000 participants as of the end of June 2026 Securities Business: (End of) June 2026 June 2026
Page 60
59[Unauthorized reproduction is prohibited] 59 (Million) 0 10 20 30 40 50 60 70 80 90 76.5 78.4 80.3 88.5 SBI Group’s Customer Base Has Expanded Dramatically 82.6 Breakdown of the Customer Base (as of the end of June 2026) *1,2 (Million) SBI SECURITIES, FOLIO, and SBI Neotrade Securities (No. of accounts) 16.4 SBI Holdings InsWeb (No. of customers) 11.7 E-Loan (No. of customers) 4.1 SBI Shinsei Bank (No. of accounts) 4.5 Wealth Advisor (Total no. of service users) *3 1.4 SBI Insurance (Total no. of contracts) 1.4 SBI Life Insurance (Total no. of contracts) *4 0.8 SBI ARUHI (No. of housing loan servicing creditors) *5 0.3 Others 10.3 Domestic total 50.8 TP Bank (No. of retail accounts) 17.4 Kyobo Life Insurance (No. of customers) 4.1 Other overseas financial services businesses 16.8 Overseas total － 37.8 Domestic customer base: approx. 50.8 million Overseas financial services business’ customer base： approx. 37.8 million Sept. 2025 Dec. 2025 June 2025 Mar. 2026 June 2026 *1 Customers who are not identified as the same person within each service website and overlapping customers among the Group companies may have been double counted *2 Owing to the reorganization, customer numbers of the Group companies, which were excluded from consolidation, are not included in the figures for the past customer bases *3 The number of smartphone app downloads, as provided by Wealth Advisor *4 The total number of contracts of SBI Life Insurance includes number of insured persons with group credit life insurance *5 Number of housing loan servicing creditors for SBI ARUHI includes one transferred from quality housing loans and its proprietary loans
Page 61
60[Unauthorized reproduction is prohibited] 60 End of Mar. 2026 End of June 2026 Consolidated subsidiaries (companies) 681 721 Consolidated partnerships (partnerships) 59 61 Total consolidated subsidiaries (companies) 740 782 Equity method companies (companies) 78 82 Total Group companies (companies) 818 864 End of Mar. 2026 End of June 2026 Total employees 18,669 18,445 Number of Companies and Employees of the SBI Group (Consolidated) Number of Group Companies Number of Employees (Consolidated) Overview of the Group
Page 62
61[Unauthorized reproduction is prohibited] https://www.sbigroup.co.jp