Strategic Business Innovator

1

SBISBI

2

. 20183

. SBI

.

. SBI2017727

3

20183

28.7%3,370

66.5%71843.8%467IFRS

639+30.6%565+307.6%

ALA20193

2018335851570

4

20173 2016420173

20183 2017420183

%

261,939 337,017 +28.7

43,139 71,810 +66.5

28,303 55,958 +97.7

32,455 46,684 +43.8

20133IFRS

20183 IFRS

R O E , % 8.7 11.6 +2.9

5

5IFRS

20183

20181 600 / PREMIUM 550

389

631

522

431

718

192

0

200

400

600

20143 20153 20163 20173 20183

SBI

6

20173 2016420173

20183 2017420183

%

179,941 217,272 +20.7

77,441 117,572 +51.8

5,530 4,199 24.1

1 SBI2015367,309 2

20183 IFRS

20173 2016420173

20183 2017420183

%

48,932 63,888 +30.6

13,861 56,491 +307.6

9,574 37,252

1

7

20183 1

20183 15 70 85 20173 10 40 50

1

20182 70 / PREMIUM 70

40%

2018130708540.1%

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8

20193

40 CF

9

1 2018331

1,00010

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1001

90 1 1 20 1 1 270 1 1 1 10 1

2018331

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90

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270

10

10

11

1 SBI 2 SBI 3 SBISBI3

1.

12

1 SBI 20183

13

20173 2016420173

20183 2017420183

%

90,464 116,716 +29.0

83,907 106,997 +27.5

37,972 53,570 +41.1

37,973 53,798 +41.7 27,798 36,812 +32.4

SBI 20183

SBI

14

SBI

%

SBI 35.1 36.4 4,261 12.9 53,570

1 16.4 16.7 2,372 5.0 20,643

11.2 14.3 1,136 2.5 18,532

8.8 10.4 1,087 2.3 7,934

2 5.3 3.7 1,761 4.2 9,302

1 2017920179 2

20183

SBI

15

4,261

5,318

2,838

2,000

2,400

2,800

3,200

3,600

4,000

4,400

4,800

5,200

5,600

6 12 6 12 6 12 6 12 6 12 6 12 6 12

SBI

SMBC

2011 2012 2013 2014

1.1

9.7

CAGR% 20116-201712

1.3

2015

SBI3 20116-20183

SBI20183

2016

20176

SBI20179400

2017

201733,886 2.3%20116-20173 20173

SBI

16

IPO

IPO20174-20183

20174-20183 79

(%)

SBI 75 94.9

SMBC 62 78.5

54 68.4

38 48.1

37 46.8

36 45.6

35 44.3

IPO94.9% 20167

SBI17120183

SBI

20176

SBIM&A

17

SBISBI SBBO-X

SBI

SBI

SBBO SBI Best Bid Offer -X SORSmart Order Routing1SBISBIToSTNeT

2

1 2 PTSPTS

ToSTNeT

18

SBI

SBISBIIFRS 18.4%3,770 201851120183J-GAAP

201833214.4

19

SBIIFRS SBIIFRS20183 18.4 %3,770

3,185

3,770

0

400

800

1,200

1,600

2,000

2,400

2,800

3,200

3,600

4,000

20173 20183

+ 18.4%

IFRS

2 SBI

20

44,252

34,060

21,61518,239

8,390

7,1290

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

50,000

3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3

SBI20079

20115

20016

20017

20087

200010

2001320183

SBI

SBI

321 20183

2 SBI

2001 2003 2005 2007 2009 2011 2013 2015 2017 2018

21

31,874

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

20,000

22,000

24,000

26,000

28,000

30,000

32,000

3 3 3 3 3 3 3 3 3 3 3

2008 2010 2012

1 2008320183

4.2 201849

2

2

1

2014 2016

SBI

20166

SBI

20079

MR.REAL20153

20121

3520159

2 SBI

2018

22

329

2017

MX201710

18.6 201813

20183

2 SBI

23

3 SBISBI3 SBIIFRS20.3%2,263

SBIIFRS172.7%360

SBI

24

163

174

150

160

170

180

2017 3

2018 3

20173

20183 %

1,881 2,263 +20.3

2008SBI

SBI

SBIIFRS 6.7%

20081 20152

20123 20133 20169

SBI

SBI5

25

SBI

90 132

360

0

100

200

300

400

20163

20173

20183

SBI IFRS

20163 20173 20183

1 74.7 71.8 72.4

2 20.8 19.4 18.6

95.5 91.2 91.0

1 %100 2 %= 100 3

172.7%

SBI

26

0

20

40

60

80

100

120

2011 3

2012 3

2013 3

2014 3

2015 3

2016 3

2017 3

2018 3

28

SBI 100

20118

201610

2011320183 CAGR20.1%

SBI

100

27

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

70%

SBI

20184

SBI

SBI

7(4) SBI

20183

SBI

28

SBI 20183

5

1,113.0%201712

117,210

SBI

SBI

SBI

20176

33,161

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

20164 20167 201610 20171 20174 20177 201710 20181

20176

29

SBI

4

SBI

20183

16,502 ANP():1,021

REAL 35

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

0

200

400

600

800

1,000

1,200

20176 20179 201712 20183

ANP()

2018

ANP

SBI

20183

SBI20186

SBI

30

375 390

2,798 3,354

4,926

5,285

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

10,000

20173 20183

13

[] 2

[]

[] 2

11.5%

1

15,4883.4%

69,66122.1 %

539,5725.9%

31

20183 456,491

FinTechIPOM&A

SBISBI IFRS140SBI

.

32

20173 20183 %

774 1,176 +51.8 139 565 +307.6

SBI 56 140 +148.1 68 444 +549.6

IFRS

20183

20183

74 370

33

IPOM&A 2018FinTechIPO

20183

IPOM&A 13 2018310IPO3M&A

EXIT

2017418 Toebox Korea M&A

2017720 JASDAQ

201783

201784 Motrex KOSDAQ

201795 Global Tax Free M&A

2017914 Pearl Abyss KOSDAQ

2017915 SAMCO KOSDAQ

EXIT

2017927 UTI Korea KOSDAQ

2017929

2017929 YAS KOSDAQ

20171214

20171219 Eloxx Pharmaceuticals M&A

2018327 RPA

FinTechIPO SBIFinTech67 FinTech240SBI160 20171 20184 201912 202021 202114 15

20193

34

2018419TP Bank

TPBank19.9%

32,450153 2.5

2018376 20193

20098

Best Digital Banking Award 2017 (Vietnam bank Association)

1 = 0.0047

890 35425

35

AI SBI AI&BlockchainSBI A&B

20181 SBI AI&Blockchain

200500

FinTech

AI

1AI

36

20136

20146

20156

201512 6

201612

201712

5,292 3,292 202 172 740 889

SBI

()

8,434

31,596 3,160

15,200

50,296 5,030

0

10,000

20,000

30,000

40,000

50,000

60,000

3 6 9 12 3 6 9 12 3 6 9 12 3 6 9 12 3

2014 2015 2016 2017 2018 1=0.10

SBI

()

37

45.3

51.6 51.2

46.7

41.3

33.8 29.9

26.8 26.0 22.4

18.5 16.2

13.5 11.7

9.6 8.8 7.5 7.1 5.9 5.3

18.3 21.2

18.9 21.1 21.3 20.4

18.0 16.5 13.9

12.0 9.7 8.5 7.6 6.6 5.7 5.0 3.8 3.8

4.0 4.2

0.0

10.0

20.0

30.0

40.0

50.0

60.0

6 9 12 3 6 9 12 3 6 9 12 3 6 9 12 3 6 9 12 3

%

SBI

2018123.65

2013 2014 2015 2016 2017 2018

38

20183

20173 2016420173

20183 2017420183

4,790 - 5,967 - +24.6

1,560 32.6 1,638 27.5 +5.0

1,618 33.8 1,757 29.5 +8.6

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9 7

39

1ALA ALA 2 270

40

20183 IFRS

20183

20173 20183 SBI 737 432 Quark Pharmaceuticals 8,270 7,902 ALA 298 58

SBI 91 42 SBI 233 40 41 55 SBI ALApharmaSBI ALA Hong Kong 69 15 46 64

2AKI

SBI1.5g20183MENA1.5g2

SBI

41

233

40

-240

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60

20173 20183

1,00020182H&B20184309201632430

TRUE DATA TRUE DATA5,000

SBI20183

822

1,065

0

400

800

1200

20173 20183

29.6

IFRS

20183SBI

42

20173 20183

9,574 37,252

26,985

20183 IFRS

57

211

20183

43

1

2

3

4 1135

5

1.

. SBI

1SBI

2NASDAQ 3 ALA20183

2.

44

1-1

20193RPARobotic Process Automation

45

46

AI

WealthNavi for SBI

THEO+ SBI

AINEC

AIOCR

303 42018424

62 1.92018424

SBI

FXAI

SBISBI FX

SBIIBM

47

AI201711

AI201711

AI201712

NECAI20184

WealthNavi for SBI

THEO+SBI

AI

106 1.1 2018424

19 62018424

-1

48

API20163

20175 201612

finbee finbee

7

1.6

20179

1.8

APIApplication Programming Interface API ID

-2

API

49

50

SBI

/ASV

LINE

Apple Pay

IoT

AEBAutonomous Emergency Braking/ASV20181

LINELINE

SBIApple Pay

ASV Advanced Safety Vehicle

51

SBI

SBI

FiNC

AI

52

SBI

FinTech

Finance App

Wefox

Wefox

AI

53

IoT 20172

JVSBI Cosmoney 2018321

Global Mobility Service

IoT

Coinplug, Inc.

Ripple-20176

54

20193RPARobotic Process Automation

55

SBIRPARobotic Process Automation

NICENASDAQ15025,0001,2003,500

RPA

2016

20171RTSNICE

20177RPA 201712UiPathUiPath Job-

Robo!RPASBIOEM2

73RTSUiPathJob-Robo! 3336

56

RPASBI73 36

3RPA

130RPA 510

510

/

/

78 27,396 11 3,600 6 1,932 5 1,524 4 1,476

104 35,928

RPA

57

RPA

RPA Robo-Work! / Job-Robo!

10

BPRPoC 2

PoC

RPA SBI

RPA

1

2

RPA OEM

RPA

58

RPA

RPA

RPA

RPA

59

RPAAI

RPA

AIRPA

BtoCBtoBAI

RPA+AI

1

2

3

RPAAI

RPA

AI

RPA

60

61

RippleXRP DLTDistributed

Ledger Technology

RippleSBI100

0.05

66

2

58

16 17 0.000

4

0.96

0.26 0.64

0.37

1,500

16 16 24 10 56

1$

1 28.23

62

RippleSBI Ripple Asia20165

60% ()

40% (20165)

24

8DLT24RipplexCurrentRC2.0

63

20173 RC - PoC

201712 RC2.0 - - 237

20183 RC2.0Money Tap

64

Money Tap

(UX)

RC2.0

APIGW

Money Tap

Ripple xCurrent

SBI3

65

DLT

9

20184 SBI35 KYCAML

66

DLTAI

DLT

AI / AIRPA PoC()/

BaaS

PoC KYC

KYCWG WG DLTWG KYCKYC

AI/AIRPA

DLT

67

SSBI

S

SBI

S

QR

S

68

S

UCUC

20184UC

UCSBIHOrbOrb DLT

69

1-2

70

SBI

28

35.7

21.7

40.3

78.3

79.5

85.5

PHS

PC

PC

PHS

2016%

PC

9.9%20143 32.6%20183

SBI

21.5%20143 52.3%20183

34.4%20143

45.4%2015/3

27.2%2015/3

64.1%20183

59.3%2018/3

44.9%2018/3

40.8%20143 61.1%20183

71

2018420

My 1,600

CoinDesk

72

20112013

Moven

TD

Moven UI/UX

SBI

SBIMoven7:3

73

Decentralized Mobile Applications

SBI

Decentralized Mobile Application

PayKey

24WestpacGaranti6

SBI PayKey Asia PayKey

SBI PayKey Asia

PayKeyDecentralized Mobile Applications

74

FinTech

IoT

Synergy Synergy

FX

KYC

Synergy

75

SBI

1-3

76

SBI

77

FinTech

RPA

FinTech FinTech

SBI FinTech

78

FinTech

SBI

FinTech

79

i) SBI

(ii) SBI

(iii)

(iv) SBI

80

IPO A 316

B 133

C 141 D 205

10527

2018416

64 26 41 1

SBI2,6141,282 2018416

201520177720173

272017355

(i)SBI

81

SBI

SBI

16 20173 20177

201710 201710

201712 201712

201712 20181

20182 20182

20182 20183

20184 20184

20184 20184

1614630

(i)SBI

82

SBI

20151220183298

20183

+55.1% 2.7

+671.2% 4.0

+470.2% +59

+472.3% +35

20167

(i)SBI

83

SBI 201710

SBI

SBI

IPOPO 2,500

()

SBI

1

(ii)SBI

84

4.3

1

9.2

0

2

4

6

8

10

201711 20181 20183

2017111

SBI

20183 4.3 9.2

201710

(ii)SBI

85

SBI34

etc.

(ii)SBI

86

10,007

23,014

41,314

46,004

52,656

37

49 57

70

127

0

30

60

90

120

150

0

10,000

20,000

30,000

40,000

50,000

2014 3

2015 3

2016 3

2017 3

2018 3

INDEX

4412752,656

(iii)

INDEX

87

18

20202421

1 A.T.Kearny2015 Hype vs. Reality: The Coming Waves of "Robo" Adoption 2 3 1110

(iii)

88

SBI

SBI

6 SBI

2018417

15

(iv)SBI

89

1-4

1135

90

91

92

131

424

0

100

200

300

400

500

20173 16/0417/03

20183 17/0418/03

86

1,262

0200400600800

1,0001,2001,400

20173 16/0417/03

20183 17/0418/03

SBI

ETF 2017320183

()

1 15.8

2 SBI 14.7

3 BNY 13.7

4 10.7

5 8.2

6 7.0

7 JP 6.1

8 4.2

9 3.2

3.2

10 2.9

()

()

14.7

3.2

SBI

93

SBI

201512

SBI 2016320166 SBIPIMCO

104 104

359 391 404 399 459

558 571 605 607 658 723

772 928 967

1,077 1,168 1,209

1,312 1,421

1,575 1,712

1,794 1,844

20164 20166 20168 201610 201612 20172 20174 20176 20178 201710 201712 20182 20184

SBI

1,000

94

SBIFinTech

SBI

1,000

SBI20181

95

80 117 155 100

359

181 68

57

340

283

400

0

100

200

300

400

500

600

700

20133 20143 20153 20163 20173 20183

FinTech

3CVC

1108 1=0.101=17

3CVC SBI AI&Blockchain

20163

96

M&A

2,012 1,916 1,877 1,528 2,188

1,835 2,306 2,590 3,479

6,280

0

2,000

4,000

6,000

8,000

20143 20153 20163 20173 20183

1 3 2 3 4 SBI

97

1-5

SBISBI

SBI

98

SBI SBI SBISBI

99

100

2016

SBI

SBI Capital Base

SBI Crypto

Global Max

()

CoVenture

GP ()

SBI CoVenture

Asset Management

T1R ()

CoolBitX

SBI

ICO

ICO

100% 100% 100% 100% 100%

40%

20%

Everspin

6% 30%GP

70%

Sepior ()

Templum ()

TAO

SBI SBI100%

OBook ()

49% 20%

22%

Tokenized Asset Offering

101

SBISBI

102

SBISBI

SBI

SBI

ICO

Synergy

Synergy

Synergy

SBI

FinTech

AB

103

CoVenture 6% GP30%SBI CoVenture Asset Management

T1R ICO 20% SBIICO

CoolBitX 40%

Sepior 49%

Everspin 22%

OBook 20%

E 41%

Othera 20%

B

N -

C -

Templum TAO

P AI

P2

R

S

D

104

SBI

SBI SBI

105

SBI

106

SBI

2017929 2018130 XRP

SBI

SBI426 SBI321SBI 105 SBI FX

107

SBI

20181 20183 20184

FSHO 20183 20184 20183 20184 LastRoots 20184 20184 20184 BMEX 20184 20183 Payward Japan (Kraken) 20184 CAMPFIRE 20184 20183 20184 bitExpress 20183

20183 20184

GMO 20183 Zaif 20183

108

0

5

10

15

20

25

30

35

40

45

0

50

100

150

200

250

300

350

2017111 2017121 201811 201821 201831 201841

BTC

BCH

ETH

XRP

(10)

(10)

(24)

coinmarketcap

4

SBI

109

4/23

SBI 16

SBI

110

20184

2018

SBI

111

SBI

112

FXSBI

20093 8.4

4

20093

SBI LM18.3

SBI LM 8

20093

20081117 2012530

SBI LM

1

Synergy Synergy

SBI SBISBI FX

113

bitFlyer QUOINEx

SBI

SBI SBI

SBI SBI SBI

SBISBI

SBI SBI

27,675 27,304 30,867 33,232

40,734

64,222

47,188 36,276

010,00020,00030,00040,00050,00060,00070,000

2017 1Q

2017 Q

201710 201711 201712 20181 20182 20183

22,465 22,930 25,265 27,277

47,526

64,129

48,228 34,091

010,00020,00030,00040,00050,00060,00070,000

2017 1Q

2017 Q

201710 201711 201712 20181 20182 20183

114

Global Max

Global Max

XRP

etc.

Multi Virtual Currencies

Exchange Service

Digital Asset Management Product

2018130SBI XRP

SBI Crypto

XRP

115

BCH

201811 3

BCH SBI

BCH

SBI5.6%419 3

SBI Crypto 20178BCH

116

1

nChain

CoolBitX

Sepior

Everspin

B

CoolBitXCoolWallet

CoolBitX40%SBI

SBI

117

2013 Financial TimesAPI

1,000PV5,000SNS

6015

(Consensus)

CoinDesk

CoinDesk

My

1,600

118

119

SBI

Service-backed token - SBI

Asset-backed token - (IP) -

-

PTS ()

ICO 2017PwCICO

ICO

ICO

120

2-1 SBI

121

MEDI7734Anti-ILT7

20089

SBI-9674 201612

Cdc7

20145

2018

GNKS356

SLE

AMED20183

SBI-3150

pDC/B

1SBI

20193

122

2-2 NASDAQ

123

QPI-1002

DGF 75

AKI

QPI-1007

NAION

66

PF-655

a

:670

IPOSBI

SBI95.5%

124

3NASDAQNASDAQ

NASDAQ

AKI

2 QPI-1002

QPI-1007

2

310

125

2-3 ALA20183

126

3 I II III

PDD

1

2

3

4

5

iPDT 6

201712

5 1.5g20139 UAE201610 1.5g

20173 MENA1.5g

20183

SBIALA 3ALA SBI

127

2007 Gliolan2007EMA40

20176 FDA

201712

2013 SBI1.5g

SBI ALApharmaALA Gliolan

2018

ALA

2018426 NX Development Corp.52018 Gleolan

128

201820NatuALA

SBI ALApharma ALA

49% 51%

SBI Neopharma FZ-LLC

2003UAE50MENA

6

400NMC Health PLC

2016

5050

ALA201610 MENA1.5gALA 20183

ALA 20175 2017121.2 80201820NatuALA

SBI Neopharma ALA

129

ALA 15,000

603

15,803

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

1 7 1 7 1 7 1 7 1

201412018417

2018417 1,424 1,552 1,114 1,062 890 867 820 780

2014 2015 2016 2017 2018

SBI ALA

130

2018

20183

ALA

ALA3010

201512

SBI

201712

SBI

ALASBI

10 12 12

2018 2019

131

SBI

TVCM

ALA ALA10 12 12

2018 2018 2019

ALA SBI 20172018

ALA

OEMOriginal Equipment Manufacturer OEM ALA752017

ALASBI

132

. SBI2017727

133

35415532

201772736315622

1 25 3

639

8 565

7 373

5

270

SBIFinTech

IPO

IPOALA

IFRS

SBI2017727

134

ROE10%

1

1100

2018311.6% 2019310%

6,108 2018425

20183185

SBI2017727

20177273,300

6,4652,879 2018423

1 25 3

20183 IFRS 718

121,000

201772723

135

1

136

2018425

8,340 2,626 771

11,738+ 2018.3B/SSBIH 3,327

8,411+

SBI1

15 20183 72

- 1 5,227 - 1 3,746

137

6,6452018425

SBI 20183 A 1

SBI 32018.3 B

2ABSBI

1 201731 2 2017121 3 SBI

1 SBI-i

SBI

SBI

Comparable Public Company Analysis

2

138

SBI? SBI 20183 SBI 6,645 2,722 20183 12.9 2.5 20183 426 114 35.1% 11.2%

536 41.1%

185 24.1%

No.1

No.1

No.1

2018425

No.1

1 SBI-ii

139

1 SBI

SBI

SBI50.0%

1,266 6332018425

201734

201734

SBI Comparable Public Company Analysis

SBI 20183

4PER

802 2,772

500 1,000 1,500 2,000 2,500 3,000

1,266

140

1 SBI

SBISBI FXT

5812018425

SBI Comparable Public Company Analysis

SBI LM 20183

+

201731

2

SBI

150 80 SBI48.8% * 2018425

141

1 SBI FinTech Solutions

SBI

SBIIFRS

SBI FinTech Solutions

2282018425

SBI Comparable Public Company Analysis

SBIH 20183

201831

+ 2

* 2018425

SBI %

2018425

SBI

SBI FinTech Solutions 77.5 KOSDAQ 224* 173

142

SBI

SBI FinTech Solutions

SBI 6,645 2018425

SBI FinTech SolutionsSBI 173 2018425

1,266 633 SBI50.0%

8,340 SBI

1

SBI 581 2018425

SBI

228 2018425

SBI 150 80 SBI48.8%

2018425

2018425

143

1

2 SBIIFRS

3

3

2018/3

SBI %

SBI 28 100.0

SBI 1 5 100.0

3 100.0

1 IFRSJ-GAAP

144

2 -

iiv

2,626

iiSBI2018425 103

Comparable Public Company Analysis JAFCO SBI JAFCO

i20183 1,527

JAFCO201831 1PREMIUM

JAFCO 1,628 2018425

145

iiiSBI2018425

2 -

1 1 2 SBI 3 SBIIFRS

SBI

Comparable Public Company Analysis

1 SBI 2 2018.3

732 724 SBI99.0%

146

2 -

SBI %

2018425

SBI

49.1 JASDAQ 340 167 SBI Investment KOREA 43.9 KOSDAQ 239* 105

579 272

2018/3

SBI %

SBI 5 100.0

* 2018425

iv

SBIIFRS

147

3

SBI

SBI ALApharma SBISBIALA SBI ALApharma 1 SBIH

2018395.5%697

SBI771

SBIIFRS

SBI %

2018425

SBI

HD 38.1 194 74

148

149

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

20,000

4 5 6 7 8 9 101112 1 2 3 4 5 6 7 8 9 101112 1 2 3 46,000

10,000

14,000

18,000

22,000

()

()

JASDAQ

+22.4%

20173 20183

2

20183

2849,276 20173

2328,376

13

SBI

150

5

SBI

20183

12.9

5.0 4.2

2.5 2.3

0

2

4

6

8

10

12

SBI

SBI

10 201611

4,261

2,372

1,761

1,136

1,087 500

1,000

1,500

2,000

2,500

3,000

3,500

4,000

3 9 3 9 3 9 3 9 3 9 3 9 3

SBI

5

20179

2012320183

400 2017926

2012 2013 2014 2015 2016

2017

SBI

151

SBI % %

SBI 35.1

16.4

5.3

8.8

11.2

23.2 SBI 36.4

14.3

3.7 10.4

16.7

18.5

20183 20174-20183

20183 20174-20183

1,2ETF/REIT WEB

2017312ETF/REIT

SBI

152

92.5

111.2

0

20

40

60

80

100

120

28,466

34,521

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

SBI

+20.2%

20183 20183

+21.3%

20173 20173

SBI

153

SBI

13,23012,163

11,550

16,753

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q

2016 3

2017 3

2018 3

2015 3

MMF MRF

20183 20173

4,215

5,181

0

1,000

2,000

3,000

4,000

5,000

+22.9%

SBI

154

7,873

6,780

7,991

10,011

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

10,000

1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q

2017 3

2015 3

2016 3

/

2018 3

20183 20173

SBI/

SBI

26,563

38,159

31,543

44,713

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

50,000

+43.7%

Graph1

3154326563

4471338159

Sheet1

6,057

31,54326,563

44,71338,159

155

SBI

39.9 29.5

30.0 38.3

5.0 4.7

15.5 16.5

9.6 10.9

0

20

40

60

80

100

20133 20183

%

SBI5

FX

SBI

156

iDeCo SBIiDeCo2017519iDeCo

iDeCo

20182iDeCo192,140201751.6

27

127

0

20

40

60

80

100

120

140

2012 2013 2014 2015 2016 2017

SBI401k +

65

296

0

50

100

150

200

250

300

350

2012 2013 2014 2015 2016 2017

SBI

+

SBI

157

iDeCo SBI

0

2,000

4,000

6,000

8,000

10,000

5 6 7 8 9 10 11 12 1 2

iDeCo +

SBI

A B

C

D

2017 2018

SBI

158

SBI 20182100

20133-20183

10,554

0

2,000

4,000

6,000

8,000

10,000

3 6 9 12 3 6 9 12 3 6 9 12 3 6 9 12 3 6 9 12 3

/ NISA

2013 2015 2016 2017 2014

2018

SBI

159

NISA 2018 3 SBI1 1 1

2 120 16 14 164 80

56.8 43.2

NISA56.8%67.7%

SBINISA4.5NISANISA3

SBINISA36.0%

NISA%

1 NISA 2 1 3 20183201712

100130

20181NISA 20181

SBI

160

FXSBISBISBI FXSBI3

1,052

200

300

400

500

600

700

800

900

1,000

1 4 7 10 1 4 7 10 1

SBI

GMO

DMM.com

FX

FX20182

1 SBI 216,137

2 GMO 149,578

3 DMM.com 121,809

4 120,261

5 FX 102,960

6 FX 63,309

7 62,309

8 48,941

9 FX by GMO 17,654

10 12,528

11 11,727

2 11,171

938,765

2015 2016

2017 FX 16

FX

FX5 20154-20182

100 201711

2018

161

162

688

228

447

14

226

54

352

60

119

2188

659

194

165

54

133

75

11

113

659

125

2188

3,431

4,900

1,380

6,280 1 20183 2 3 4 SBI 389

3 1,243

4

(20183)

163

IFRS

20173 20183

FVTPL

107 68

5 34

472 444

8 20

(66) (53) 41 409 (7) 333

(2) 235 (5) 98

IFRS

5(SBISBI)FVTPL

20173 20183

350 294 1,139 1,906 101 185

1,590 2,385 308 327 126 210

434 537 874 1,299

282 549

1,156 1,848 1,590 2,385

164

SBI 2018

343024.3

IFRS

20173 20183

522 631

61 134

70 127

69 126

1 1

IFRS

SBISBI

SBISBI Bank

20173 20183

474 336 4,365 5,247 1,109 1,122 545 562

6,493 7,267 4,858 5,370 111 177

4,969 5,547 1,514 1,705 10 15

1,524 1,720 6,493 7,267

165

SBI

IFRS

20173 20183

43 73 14 22 6 14

2 9 4 5

IFRS

SBI

20173 20183

66 103

154 142

73 76

56 32

349 353

122 127

182 178

45 48

227 226

349 353

166

4

167

36.7 43.3 41.2 43.8

47.9

18.3 19.0 20.0 19.3

27.5

1.0

0.6 0.6 0.4

0.4 37.3 31.3 27.8 23.8

20.8

6.7 5.7 10.3 12.7 3.4

0

20

40

60

80

100

20143 20153 20163 20173 20183

1.7%

125,33450,411 75.4% 76.7%

SBI

168

201831,2

SBI

SBI 426.1 SBIH 894.6 239.3 MoneyLook 94.3 3 79.5

SBI 1.3

SBI 321.1 SBI 4 100.1 SBI 10.9

SBI 180.0

2,347.2

2 3

1

4 SBI

1,480.6

1,690.6

1,883.3

2,178.9

2,347.2

1,200

1,400

1,600

1,800

2,000

2,200

2,400

16 3 15 3 14 3 17 3 18 3

12.2

2014320183

169

SBI

20173 20183

166 180 21 17 187 197 36 33 223 230

20173 20183

4,455 5,391

170

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