Copyright(C)2016 JTRUST Co.,Ltd. All Rights Reserved. 1

Briefing Session for Individual Investors Nobuyoshi Fujisawa, President & CEO

August 27, 2016

Tokyo Big Sight

J Trust Co., Ltd.

Nikkei IR/Investment Fair 2016

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Table of Contents

１．Company Overview ２．Business and Management strategy of J Trust

Nobuyoshi Fujisawa, President & CEO

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Disclaimer

• The information published in this material, including forecasts, is recognition, opinion, judgment or projection of the Company at the time of creation of this material and the Company does not guarantee its achievement. As such, please be aware that actual results may differ from the forecasts provided in this material as a result of various factors.

• Briefing Session For Individual Investors and this material are prepared to provide information to facilitate greater understanding of the Company. It is not intended for use in soliciting investments in the securities issued by the Company or its subsidiaries.

• This material is an English translation of the original Japanese document, prepared solely for the convenience of and reference by overseas investors. If there are any discrepancies between the original Japanese language and English translation, the Japanese language will always prevail. The issuer shall not be liable for this translation or any loss or damage arising from this translation.

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Company Overview

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Company Overview/Company History

1977

2008

2009

2010

2011

2012 2013

2014

Changed company’s name to J Trust

Established IKKO CORPORATION

TOB by

Nobuyoshi Fujisawa

2015 2016

Started savings bank business

Rights offering

Entered Indonesia and started

banking business

Expanded business to South Korea

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Company Overview/Quarterly results

195

183

201

175

754

205

0

100

200

300

400

500

600

700

800

FY20161Q 2Q 3Q 4Q TOTAL

FY20171Q

Operating revenue

-19

-41

11

-4 2

-20

-50

-40

-30

-20

-10

0

10

20

FY20161Q 2Q 3Q 4Q TOTAL

FY20171Q

Operating profit

Consolidated summary Under J-GAAP in 100 million yen

Note: The data is rounded off to the nearest unit

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Company Overview/Stock price movements after TOB

March 2008 TOB

May 2013 Rights Offering

As of Aug. 23, 2016 Stock price: 826 yen

Volume (avg.)

25-month moving average

5-month moving average

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Total number of shares acquired

Total share acquisition value

Percentage (%)*

August 15, 2016 J Trust 6,000,000 shares 4.926 billion yen 5.34

August 16, 2016 J Trust 3,188,300 shares 2.352 billion yen 2.84

Total 9,188,300 shares 7.278 billion yen 8.18

The latest share buybacks

* The percentage is calculated using 112,447,154 shares outstanding as the denominator.

President Fujisawa acquired a 1.01% stake or 1,135,300 shares (approximately 875 million yen)

(during August 16 and August 19, 2016 )

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J Trust’s Business

Domestic Financial Business

Non-Financial Business

Financial Business in Southeast Asia

Financial Business in South Korea

Investment Business

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Domestic Financial Business

Servicer Credit Card Credit Guarantee

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Financial Business in South Korea

Savings Banks Capital Company Servicer

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Financial Business in Southeast Asia

Banking service

Number of shares*: 213,150,000 shares Shareholding ratio: 12.99%

*The number of shares includes issuable shares.

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Financial Business in Southeast Asia

Funding from Bank JTrust Indonesia with the channeling scheme

Deployed with lighter POS for rural areas including over 13,000 islands in Indonesia

Motorcycle, agricultural equipment, solar panel, housing, white goods, etc.

PT Group Lease Finance

Indonesia

The business model with Group Lease (image)

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Financial Business in Southeast Asia

2018 2019 2020

BJI’s loan balance through GLFI 100 billion yen 200 billion yen 400 billion yen

Profit of BJI obtained from the loan balance (4%) …(1) 4 billion yen 8 billion yen 16 billion yen

Profit level of GLFI 20 billion yen 40 billion yen 80 billion yen

Equity in earnings of GLFI (2%) …(2) 4 billion yen 8 billion yen 16 billion yen

Profits from collaboration with GL …(1) + (2) 8 billion yen 16 billion yen 32 billion yen

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Financial Business in Southeast Asia

Vietnam

Laos Myanmar

Thailand

Cambodia

Malaysia

Singapore Indonesia

Brunei

Philippines

Distance from Japan

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Reference materials

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Corporate profile

Head office building (Tokyo Toranomon)

Corporate profile (as of March 31, 2016)

Trade name J Trust Co., Ltd.

Head office location Toranomon First Garden 1-7-12 Toranomon, Minato-Ku, Tokyo 105-0001

Description of business Corporate management of group company

Established on March 18, 1977

Capital 53.6 billion yen

Number of staff 3,226 (including consolidated subsidiaries)

Listed exchange Tokyo Stock Exchange, 2nd Section (Securities Code: 8508)

Number of shares outstanding 112,448,354 shares Dividend yield 1.31

Stock price 830 yen (as of August 24, 2016)

PBR (Price book-value ratio) 0.61

Market capitalization 103.1 billion yen EPS

(Projection for FY2017) 85.56 yen

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To sign on our e-mail notification service, please visit J Trust’s website below.

http://www.jt-corp.co.jp/en Then, press “New Registration” on the front page. For mobile phone users, please scan the QR Code below, fill out a form and press the submit button.

IR Application

How to download from App Store

How to download from Google Play

(1) Search “J Trust” in the App Store on your iPhone/iPad.

(2) Scan the QR code directly.

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(2) Scan the QR code directly.

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