10 　 June,2013

Zenshinren

National　Federation　of　Trust　Bank　Employees’　Unions,Japan

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0. Outline of our organization An organization with which the enterprise unions

of two trust banks in Japan are affiliated.

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0. Outline of our organization 　 ➣ Membership

Union NameForm of union

security clause

Member

ship

Sumitomo Mitsui Trust Bank Employees’

Union

union shop 9,030

Mitsubishi-UFJ Trust & Banking

Employees’ Union

union shop 6,004

Zenshinren 15,034

As of 31 July 2012

SMTB Union Staff

MUTB Union Staff

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Advisory　Committee

0. Outline of our Organization

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1. About the financial market of Japan

➣ The background of the banking sector reform①1970’s

Rapid economic growth

> Due to rich capital investment, real Economy was short of Capital.

> Financial institutions move in lockstep under the convoy system

administered by the Ministry of Finance.

1980’s

Bubble economy

>From 1985-1990 there was an asset bubble.

> Not only the financial institutions, but the nonfinancial companies

were into financial investment. Which was called “Zaiteku” in Japanese.

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1. About the financial market of Japan

➣ The background of the banking sector reform②1990’s

Bad loan Problems

　 >After the bubble, Japan has been suffering from the bad loans.

>At the time, the mission of Japanese Banks were to recover from

the crucial issue.

2000’s

Financial Big Bang

> After time of the bad loans, Japanese Financial market was to

prepare for global competition.

> The Answer was the deregulation of the Japanese Financial Market.

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1. About the financial market of Japan

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The transition of the major Japanese Banks1992 ～ 1996 1997 1998 2000 2001 2002 2003 2005 2006 ～ 2012

Mitsubishi東京三菱 Tokyo Mitsubishi UFJ

Tokyo

Nippon trust三菱信託 Mitsubishi UFJ trust

Mitsubishi trust

SanwaUFJ

Tokai

Toyo trust UFJ 信託

Sumitomo

Sumitomo MitsuiTaiyo-kobe

さくらMitsui

Fuji

MizuhoDaiichi-kangyo

MizuhoCBIBJ

Yasuda trust

Saitamaあさひ Risona

Kyowa

SaitamaRisonaDaiwa

Sumitomo trust

Chuo trust Sumitomo Mitsui trust中央三井信託

Mitsui trust

Hokkaido- takusyoku 破綻

LTCB 破綻 Shinsei

NCB 破綻 Aozora

Mitsubishi UFJ Financial Group

Sumitomo Mitsui Financial Group

Risona Holdings

Sumitomo Mitsui Trust Holdings

Mizuho Financial Group

2. About Trust Banks of Japan➣ Outlook for Trust Banks

✓ Trust banks are unique among Japanese financial

institutions in that they combine financing services with

asset management services.

✓ In addition to providing conventional banking services like

city banks, trust banks use their specialized knowledge

effectively to provide a broad range of financial services,

via such businesses as the trust and concurrent

businesses, to accommodate the need for more diversified

and sophisticated financial and asset management services.

（ Trust Companies Association of Japan ）

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2. About Trust Banks of Japan ➣ The only two Trust Banks

・　 The others are actually “trust company”.

Mitsubishi-UFJ Trust & Banking(MUTB)

Sumitomo MitsuiTrust Bank(SMTB)

Group Mitsubishi-UFJ financial group

operated independently

Total Asset 0.32 trillion USD 0.40 trillion USD

Trust Asset 1.36 trillion USD 1.45 trillion USD

Risk-Adjusted Capital Ratio

15.76% 16.68%

Tier 1 Ratio 11.71% 11.87%

Rating Aa3(Moody’s) A1(Moody’s)

As of 31 March 2012non-consolidated

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➣ Labor‐Management Discussion Meetings

Labor-management discussion meetings are held to share issues and discuss ways to improve situations. Such meetings are held at various levels of SMTB or MUTB. These meetings serve as opportunities for us to express the voice of employees.

3. Labor-Management Relation

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4. The Role of Trade Union in Trust Bank sector・ Dumping competition of commission is

intense Protracted deflation, Declining working population,

Oligopolization in our indutstry ・・・

・ In order to raise our treatment there is the only one way, to raise and educate our members, and for talented people to claim and look for the frontier. Our most important

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5. The activities of Zenshinren

Rebuilding our members’ social skillsThe Project Adventure(for only 2years

members)

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5. The activities of ZenshinrenRebuilding our members’ social skills Seminars for union’s members(about Career,Leadership,Communicato

n ・・・ )

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5. The activities of ZenshinrenWidening our members’ knowledge Seminars for members of executive

committee in affiliates (about Leadership, Personnel management system ・・・ )

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