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10 June,2013 Zenshinren National Federation of Trust Bank Employees’ Unions,Japan 1 0. Outline of our organization An organization with which the enterprise unions of two trust banks in Japan are affiliated. 2 0. Outline of our organization ➣ Membership As of 31 July 2012 Union Name Form of union security clause Member Sumitomo Mitsui Trust Bank Employees’ Union union shop 9,030 Mitsubishi-UFJ Trust & Banking Employees’ Union Zenshinren SMTB Union Staff ship MUTB Union Staff union shop 6,004 15,034 3 0. Outline of our Organization Chairman（SMTB） Secretariat General Secretary（MUTB） Vice Chairman（MUTB) Deputy Secretary（SMTB) Central Committee (The highest legislative organ) SMTB（1） Advisory Committee Wage Labor environment MUTB（1） Accounting Auditor Meeting of General Secretaries of SMTB union & MUTB union 4 1. About the financial market of Japan ➣ The background of the banking sector reform① 1970’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. 5 1. About the financial market of Japan ➣ The background of the banking sector reform② 1990’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. 6 1. About the financial market of Japan The transition of the major Japanese Banks 1992 ～ 1996 1997 1998 2000 2001 2002 2003 2005 2006 ～ 2012 Mitsubishi Tokyo Mitsubishi UFJ 東京三菱 Tokyo Nippon trust Mitsubishi UFJ trust 三菱信託 Mitsubishi trust Mitsubishi UFJ Financial Group Sanwa UFJ Tokai Toyo trust UFJ信託 Sumitomo Sumitomo Mitsui Sumitomo Mitsui Financial Group Taiyo-kobe さくら Mitsui Fuji Mizuho Daiichi-kangyo MizuhoCB IBJ Mizuho Financial Group Yasuda trust Saitama Risona あさひ Kyowa SaitamaRisona Risona Holdings Daiwa Sumitomo trust Sumitomo Mitsui trust Chuo trust 中央三井信託 Sumitomo Mitsui Trust Holdings Mitsui trust Hokkaido-takusyoku 破綻 LTCB 破綻 NCB 破綻 Shinsei Aozora 7 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） 8 2. About Trust Banks of Japan ➣ The only two Trust Banks ・ The others are actually “trust company”. As of 31 March 2012 non-consolidated Mitsubishi-UFJ Trust & Sumitomo Mitsui Banking(MUTB) Trust 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) 9 3. Labor-Management Relation ➣ 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. 10 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 issue 11 5. The activities of Zenshinren Rebuilding our members’ social skills The Project Adventure(for only 2years members) 12 5. The activities of Zenshinren Rebuilding our members’ social skills Seminars for union’s members (about Career,Leadership,Communicaton・・・) 13 5. The activities of Zenshinren Widening our members’ knowledge Seminars for members of executive committee in affiliates (about Leadership, Personnel management system・・・) 14