Graeme Knowd Managing Director, Financial Institutions Moody's Investors Service

Graeme Knowd is a Managing Director in the Financial Institutions Group based in Singapore. He manages a team of analysts in Japan and Singapore.The team has responsibility for rating financial institutions, including banks, securities firms and other non-bank financial institutions in North Asia (ex-Greater China) , South and South East Asia. Graeme has analyzed financial institutions globally for more than 20 years.

Before joining Moody’s, Graeme worked as a sell-side equity analyst at CLSA and Morgan Stanley. Prior to that, Graeme worked for The Bank for International Settlements, where he was involved in risk management and regularly conducted training for central banks throughout the world, particularly in Latin America. He has also worked for other leading financial institutions, such as UBS and S&P, and began his career at the Bank of England. He has worked in London, Switzerland, Tokyo and Singapore.

Graeme has Master’s degrees from the School of Oriental and African Studies, University of London, and Kobe University, where he studied Economics.

本間 隆宏 氏 野村アセットマネジメント株式会社 執行役員／最高運用責任者（債券）

早稲田大学政治経済学部卒業。

国内大手生命保険会社にて一般勘定の外国債券運用に従事、その後生保系アセットマネジメント会社に移り年金顧客向け外国債券運用のシニアポートフォリオマネージャーを担当。

野村アセットマネジメント入社後はプロダクトマネージャーや、機関投資家向けソリューション提供に特化した運用グループのチーフ・インベストメント・オフィサーを担当。

2019年より野村アセットマネジメント株式会社の執行役員と債券運用グループ、及びインデックス＆ソリューションズ運用グループのチーフ・インベストメント・オフィサーを兼務。

森田 俊平 氏 SBIホールディングス株式会社 専務取締役

略歴：

1998年ソフトバンク株式会社に新卒で入社、1999年SBIグループ発足に際して転籍、2000年社内ベンチャーとしてオフィスワーク株式会社（現SBIビジネス・ソリューションズ株式会社）を創業し代表取締役社長に就任、2009年よりSBIホールディングス株式会社の取締役、2011年10月から2020年6月までSBIホールディングス株式会社のCFOを務め、現在SBIホールディングス株式会社専務取締役、SBI地銀ホールディングス株式会社代表取締役、島根銀行社外取締役などを兼務し、地方銀行の事業モデル再構築に従事する。

Soichiro Makimoto Vice President - Senior Credit Officer, Financial Institutions Moody's Ratings

Soichiro Makimoto is a Vice President and Senior Credit Officer with Moody’s Japan K.K. He covers Japanese banks and insurance companies.

Soichiro has around 20 years of analytical experience and expertise in a variety of areas in the financial services industry.

Before joining Moody’s, he worked as a consultant on the banking and insurance industries for PwC and other firms, providing services related to M&A strategy, regulatory and rating agency advisory, risk/profit management, auditing and assurance and financial product development and sales strategy.

Soichiro holds a Master’s in physics from the University of Tokyo. He is a CFA charterholder and also a Fellow of the Institute of Actuaries of Japan.

Graeme Knowd Managing Director, Financial Institutions Moody's Investors Service

Graeme Knowd is a Managing Director in the Financial Institutions Group based in Singapore. He manages a team of analysts in Japan and Singapore.The team has responsibility for rating financial institutions, including banks, securities firms and other non-bank financial institutions in North Asia (ex-Greater China) , South and South East Asia. Graeme has analyzed financial institutions globally for more than 20 years.

Before joining Moody’s, Graeme worked as a sell-side equity analyst at CLSA and Morgan Stanley. Prior to that, Graeme worked for The Bank for International Settlements, where he was involved in risk management and regularly conducted training for central banks throughout the world, particularly in Latin America. He has also worked for other leading financial institutions, such as UBS and S&P, and began his career at the Bank of England. He has worked in London, Switzerland, Tokyo and Singapore.

Graeme has Master’s degrees from the School of Oriental and African Studies, University of London, and Kobe University, where he studied Economics.

Takahiro Homma Senior Managing Director and Chief Investment Officer, Fixed Income, Index & Solutions Nomura Asset Management

Takahiro Homma has served as Senior Managing Director and Chief Investment Officer for Fixed Income and Index & Solutions.

He most recently served as Chief Investment Officer for Solutions investment group where he was responsible for leading the team focused on providing investment solutions for institutional clients. He has a long experience with both global fixed income investment and product management.

Prior to joining Nomura Asset Management, he was a senior portfolio manager of global fixed income in Meiji Dresdner Asset Management. He began his career in the asset management industry in 1990 at Meiji Life insurance company where he managed global fixed income portfolio in the general account.

He graduated from the Waseda University with a BA in Economics.

Hidetoshi Sakuma Chairman & CEO Chiba Bank

PERSONAL HISTORY

1. Name: Hidetoshi Sakuma

2. Title: Chairman (Representative Director)

3. Date of Birth: October 1, 1952

4. Education: Graduated from Waseda University in 1976, BA Political Science and Economics

5. Employment:

April 1976: Joined The Chiba Bank, Ltd.

June 2000: General Manager, Treasury Division

June 2002: General Manager, Corporate Planning Division

June 2003: Director, General Manager, Corporate Planning Division

June 2006: Director and Managing Executive Officer, General Manager, Head Office

June 2007: Director and Managing Executive Officer

March 2009: President (Representative Director)

June 2021: Chairman (Representative Director)

Toru Yamasaki President and Representative Director San-in Godo Bank

Toru Yamasaki

Past experience, positions, responsibilities, and significant concurrent positions:

Shumpei Morita Senior Managing Director SBI Holdings

Shumpei Morita joined SOFTBANK CORP. as a new graduate in 1998, and transferred to the SBI Group when it was established in 1999. He founded Office Work Co., Ltd (now SBI Business Solutions Co., Ltd.) as an in-house venture and became President and Representative Director in 2000. He became the director of SBI Holdings, Inc. in 2009, served as the CFO from October 2011 to June 2020, and currently serves as Senior Managing Director. He also currently serves as the Representative Director of SBI Regional Bank Holdings Co., Ltd and External Director of The Shimane Bank, where he is working to rebuild the business model of regional banks.

Tomoya Suzuki Vice President – Senior Credit Officer, Financial Institutions Moody's Ratings

Tomoya Suzuki is a Vice President – Senior Credit Officer with Moody’s Financial Institutions Group in Tokyo.

He covers ratings across a portfolio of Japanese banks and property and casualty insurers.

Before joining Moody’s, Tomoya worked in credit risk management at Credit Suisse in Tokyo and previously in credit investment at a Japanese bank.

Tomoya holds a Bachelor of Arts degree in Finance and International Business from the University of South Carolina.

Takahiro Homma Senior Managing Director and Chief Investment Officer, Fixed Income, Index & Solutions Nomura Asset Management

Takahiro Homma has served as Senior Managing Director and Chief Investment Officer for Fixed Income and Index & Solutions.

He most recently served as Chief Investment Officer for Solutions investment group where he was responsible for leading the team focused on providing investment solutions for institutional clients. He has a long experience with both global fixed income investment and product management.

Prior to joining Nomura Asset Management, he was a senior portfolio manager of global fixed income in Meiji Dresdner Asset Management. He began his career in the asset management industry in 1990 at Meiji Life insurance company where he managed global fixed income portfolio in the general account.

He graduated from the Waseda University with a BA in Economics.

Hidetoshi Sakuma Chairman & CEO Chiba Bank

PERSONAL HISTORY

1. Name: Hidetoshi Sakuma

2. Title: Chairman (Representative Director)

3. Date of Birth: October 1, 1952

4. Education: Graduated from Waseda University in 1976, BA Political Science and Economics

5. Employment:

April 1976: Joined The Chiba Bank, Ltd.

June 2000: General Manager, Treasury Division

June 2002: General Manager, Corporate Planning Division

June 2003: Director, General Manager, Corporate Planning Division

June 2006: Director and Managing Executive Officer, General Manager, Head Office

June 2007: Director and Managing Executive Officer

March 2009: President (Representative Director)

June 2021: Chairman (Representative Director)

Toru Yamasaki President and Representative Director San-in Godo Bank

Toru Yamasaki

Past experience, positions, responsibilities, and significant concurrent positions:

Shumpei Morita Senior Managing Director SBI Holdings

Shumpei Morita joined SOFTBANK CORP. as a new graduate in 1998, and transferred to the SBI Group when it was established in 1999. He founded Office Work Co., Ltd (now SBI Business Solutions Co., Ltd.) as an in-house venture and became President and Representative Director in 2000. He became the director of SBI Holdings, Inc. in 2009, served as the CFO from October 2011 to June 2020, and currently serves as Senior Managing Director. He also currently serves as the Representative Director of SBI Regional Bank Holdings Co., Ltd and External Director of The Shimane Bank, where he is working to rebuild the business model of regional banks.

Graeme Knowd Managing Director, Financial Institutions Moody's Investors Service

Graeme Knowd is a Managing Director in the Financial Institutions Group based in Singapore. He manages a team of analysts in Japan and Singapore.The team has responsibility for rating financial institutions, including banks, securities firms and other non-bank financial institutions in North Asia (ex-Greater China) , South and South East Asia. Graeme has analyzed financial institutions globally for more than 20 years.

Before joining Moody’s, Graeme worked as a sell-side equity analyst at CLSA and Morgan Stanley. Prior to that, Graeme worked for The Bank for International Settlements, where he was involved in risk management and regularly conducted training for central banks throughout the world, particularly in Latin America. He has also worked for other leading financial institutions, such as UBS and S&P, and began his career at the Bank of England. He has worked in London, Switzerland, Tokyo and Singapore.

Graeme has Master’s degrees from the School of Oriental and African Studies, University of London, and Kobe University, where he studied Economics.

Tomoya Suzuki Vice President – Senior Credit Officer, Financial Institutions Moody's Ratings

Tomoya Suzuki is a Vice President – Senior Credit Officer with Moody’s Financial Institutions Group in Tokyo.

He covers ratings across a portfolio of Japanese banks and property and casualty insurers.

Before joining Moody’s, Tomoya worked in credit risk management at Credit Suisse in Tokyo and previously in credit investment at a Japanese bank.

Tomoya holds a Bachelor of Arts degree in Finance and International Business from the University of South Carolina.