7177 Q2 2026 Earnings Presentation

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Note : This document has been translated from the Japanese original for reference purposes only . In the event of any discrepancy between this translated document and the Japanese original , the original shall prevail . FY2026 Q2 Financial Results Presentation Strong CFD revenue and increased financial revenue drove record - high first - half results August 5 , 2026 GMO Financial Holdings , Inc.

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© 2026 GMO Financial Holdings, Inc. 3 ● Operating revenue reached ¥29.54 billion and operating profit ¥10.35 billion, resulting in record-high first-half results ● CFD revenue declined from the record high recorded in Q1’26 but remained at a high level, while growth in financial revenue also contributed to the results ● Securities & FX Business OTC FX: Trading volume decreased due in part to lower volatility in the foreign exchange market, resulting in a year-on-year decline in revenue CFD: Revenue decreased from Q1’26 due to changes in the sales mix, while both trading value and revenue remained at high levels Equities: Trading value increased sharply amid active market conditions, with cross-selling to other products expected as equities serve as an entry point for investment Financial Revenue: In addition to growth in returns on customer deposits driven by rising interest rates, revenue from margin trading also increased ● Crypto Asset Business Revenue and profit decreased as the market, led by Bitcoin, remained weak, while staking revenue also declined in line with market conditions The number of crypto asset accounts exceeded 800 thousand in April 2026, with the customer base continuing to expand steadily ● Enhancement of Shareholder Returns (Introduced a minimum payout ratio of 65% and a DOE floor of 10%) In light of the dividend amount calculated based on the 65% dividend payout ratio exceeding the DOE floor of 10%, the Company revised its dividend forecast upward. The dividend per share for Q2 FY2026 has been increased to ¥14.45 (up ¥0.76 per quarter and ¥2.26 per year from the forecast announced in April 2026) FY26 Q2 Highlights Executive Summary

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© 2026 GMO Financial Holdings, Inc. 4 Strong CFD revenue and financial revenue drove record-high first-half results Q2 FY2026 (Jan-Jun) | Earnings Summary (YoY) Q2'25 （Jan–Jun） Q2'26 （Jan–Jun） Y/Y (JPY mn) Change % Change Operating Revenue 26,893 29,544 +2,650 +9.9% Net Operating Revenue 25,026 27,095 +2,069 +8.3% Operating Profit 9,776 10,350 +573 +5.9% 　（Operating Margin） 36.4% 35.0% ー ▲1.3pt Ordinary Profit 9,054 10,261 +1,207 +13.3% Net Profit 6,211 6,524 +312 +5.0%

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© 2026 GMO Financial Holdings, Inc. 5 +17.5% ▲40.8% 29,544 百万円 ■ Securities & FX 88.0 %（+5.9pt） ■ Crypto Asset 7.0 %（▲5.7pt） ■ Others 5.1 %（+0.2pt） +23.8% ▲64.5% （40.1%）（28.0%）（-%） Q2 FY2026 (Jan-Jun) | Segment Breakdown (YoY) ■ Securities & FX Business (JPY mn) ■ Crypto Asset Business (JPY mn) Operating Revenue Breakdown Operating Profit（OPM） (JPY mn) Operating Revenue Operating Revenue Operating Profit Operating Profit (Jan–Jun) (Jan–Jun) (Jan–Jun) (Jan–Jun) (Jan–Jun) (Jan–Jun) (Jan–Jun) (Jan–Jun) ■ Securities & FX ■ Crypto Asset ■ Others ※Percentages are rounded to the nearest displayed unit.

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© 2026 GMO Financial Holdings, Inc. 6 ▲3.8 ▲35.9 +65.6 +1.2 ▲3.7 Strong CFD revenue offset the decline in OTC FX and crypto asset revenue, while growth in financial revenue also contributed to the increase in profit ▲3.3 ▲14.1 +4.0+7.7 ▲6.9 ▲4.9 103.597.7 Q2 FY2026 (Jan-Jun) | Operating Profit Change (YoY) Q2 FY2025 (Jan-Jun) Operating Profit Q2 FY2026 (Jan-Jun) Operating Profit Equities FX / FX Options CFD / Equity BO Crypto Assets Net Financial Revenue Provision for Doubtful Accounts Other CostsTrading- related Expenses Others / Adjustment Personnel Expenses Office Expenses (JPY bn) FY2025 Q2: 0.39bn FY2026 Q2: ▲0.01bn

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© 2026 GMO Financial Holdings, Inc. 7 FY2026 Dividend Policy Introduced a DOE floor of 10%, setting the minimum annual DPS at JPY 42.08; targeting a payout ratio of 65% or more of net income attributable to owners of parent, with quarterly dividends The dividend amount based on the 65% payout ratio for Q2 FY2026 exceeded the DOE floor by JPY 2.26, with the excess allocated evenly to Q2–Q4 at JPY 0.76 per quarter * The minimum dividend per share of ¥42.08 is calculated based on 10% of consolidated shareholders’ equity at the end of the previous fiscal year. 32.80 27.38 57.58 At Q1 Dividend 54.76 Dividend forecast revised upward, with the Q2'26 dividend per share increased to JPY 14.45 (JPY 57.04 annualized) Actual Declared Forecast FY2026 Q1 Q2 Q3 Q4 Annual DOE10% Floor 10.52 10.52 10.52 10.52 42.08 Announced in April 2026 13.69 13.69 13.69 13.69 54.76 Announced in July 2026 ー 14.45 14.45 14.45 57.04 　vs. DOE 10% Floor ＋3.17 ＋3.93 ＋3.93 ＋3.93 ＋14.96 Q1 Q2 Q4 Q3 floor 42.08 FY2023 FY2024 FY2025 FY2026 DOE 10% floor FY2026 Announced in April 2026 Further upward revisions possible from Q3 onward, depending on performance FY2026 Jul. (rev.) Revised 57.04 Shareholder Returns | Dividends DPS Trend & Forecast (JPY)

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© 2026 GMO Financial Holdings, Inc. 8 CFD revenue remained at a high level, while growth in financial revenue also supported earnings 13,309 16,234 13,916 14,191 10,597 ▲25.3% 4,250 10,815 +154.4% 550 161 ▲70.7% 2,856 4,115 +44.1% 3,468 2,054 ▲40.8% 1,576 1,800 +14.2% 26,893 29,544 +9.9% Q2'25 (Jan-Jun) Q2'26 (Jan-Jun) % Change Quarterly Trends | Operating Revenue by Segment / Product (JPY mn) ◼FX/FX Options ◼CFD/Equity BO ◼Equities etc. ◼Fin. Revenue ◼Crypto Assets ◼Other Total

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© 2026 GMO Financial Holdings, Inc. 9 Quarterly Trends | Operating Profit / Operating Margin CFD revenue declined from Q1’26 due to a reactionary decline The operating profit margin declined due to a higher fixed cost ratio Q2 YoY ▲30.0% QoQ ▲39.8% ◼Operating Profit 　● Operating Margin ◼Operating Revenue (JPY mn) Operating Profit

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© 2026 GMO Financial Holdings, Inc. 10 Quarterly Trends | SG&A Expenses 8,555 8,1897,402 ▲9 ▲596 ▲120 SG&A expenses progressed largely as expected Q3’26 Fcst. (Q2 actual) (JPY mn) 390 ▲11 ー 2,960 2,707 ▲8.6% 3,284 3,916 +19.2% 2,600 3,291 +26.6% 1,999 2,078 +3.9% 1,570 2,066 +31.6% 982 984 +0.2% 1,461 1,711 +17.2% 15,249 16,745 +9.8% Approx. JPY 8.1bn (8.18bn) Securities & FX Business: Approx. JPY 6.5bn (6.71bn) Crypto Asset Business: Approx. JPY 0.8bn (0.69bn) Other: Approx. JPY 0.8bn (0.78bn) SG&A excluding provision for doubtful accounts 8.67bn7.57bn7.2bn7.41bn7.44bn8.75bn7.28bn7.06bn 8.07bn ◼Provision for Doubtful Accounts ◼Transaction-related Expenses (excl. Advertising Expenses) ◼Advertising Expenses ◼Personnel Expenses ◼Real Estate Expenses ◼Office Expenses ◼Depreciation and Amortization ◼Other Costs T otal Q2'25 (Jan-Jun) Q2'26 (Jan-Jun) % Change *Forecast excludes provision for doubtful accounts.

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© 2026 GMO Financial Holdings, Inc. 12 2,403 3,510 3,884 524 761836 21.8%21.7%21.5% Trading Value share remained stable ◼Trading Value　● Domestic Trading Value Share ◼Total Industry Trading Value Q2’26 Trading Value Share 　21.8% (JPY tn) Source: FFAJ OTC FX Monthly Report; compiled by the Company. Trading Value represents the combined total of GMO Click Securities, GMO Gaika, and GMO Coin. Through Q3 FY2023, figures include FX PRIME byGMO (merged into GMO Coin in Sep. 2023). Domestic trading volume share is calculated using figures published by the FFAJ as total market volume. Total Industry Trading Value is displayed at half scale on the chart for visibility, with actual figures shown alongside. ＜Initiatives to Stimulate Trading Activity＞ GMO CLICK: Implemented an FX trading promotion campaign GMO Gaika: Implemented a spread reduction campaign GMO Coin: Added a total of seven currency pairs, including high-interest-rate currency pairs and currency pairs well suited for automated trading Securities & FX | Domestic OTC FX Trading Value Share Trends

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© 2026 GMO Financial Holdings, Inc. 13 Securities & FX | OTC FX Quarterly Active Traders (QAU) Share Q1’26 QAU Share Over 15% Trading user share continued to increase gradually Source: Financial Futures Association of Japan (FFAJ) Quarterly Statistical Data; compiled by the Company. *QAU share (share of quarterly unique active traders) is calculated on a combined basis for GMO CLICK Securities, GMO Gaika, and GMO Coin, using figures published by the FFAJ as total market figures. ＜Initiatives to Increase Brand Awareness＞ GMO CLICK: Implemented a campaign to encourage new FX account openings and trading through the common ID "1 Account"

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© 2026 GMO Financial Holdings, Inc. 14 Securities & FX | OTC FX Customer Margin Balance Trends 1,9671,869 411 20.2% 380 20.3% Continued to increase gradually GMO Gaika continued to contribute to growth in Q2’26, following Q1 YoY at Quarter-End +8.2% 397 ◼Margin Balance　● Margin Balance Share　◼Total Industry Margin Balance (JPY bn) Industry data for Q2’26 not yet published Prepared by the Company based on “Quarterly Statistical Data” published by the Financial Futures Association of Japan (latest quarter, Apl.–Jun. 2026, not yet published). *Margin Balance are shown on a combined basis for GMO CLICK Securities, GMO Gaika, and GMO Coin. Figures through Q3 FY2023 include FX PRIME byGMO (merged with GMO Coin in Sep. 2023), while figures from Q4 FY2023 onward include GMO Coin. *Margin Balance share is calculated using figures published by the Financial Futures Association of Japan as total market figures. *Total industry Margin balance is shown at half scale in the chart for visibility, with actual values also displayed. GMO CLICK Securities: +JPY 17.15bn GMO Gaika: +JPY 14.28bn GMO Coin: ▲JPY 0.37bn

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© 2026 GMO Financial Holdings, Inc. 15 Securities & FX | CFD Trading Value & Revenue Trends Maintained strong revenue of over JPY 4.0 billion in Q2’26 Due to changes in the sales mix, revenue declined more than trading value compared with Q1’26 42 54 37 +13.0% 4,312 6,404 2,408 +79.1% Trading Value Revenue Q2 YoY◼Trading Value (JPY tn)　● Revenue (JPY mn) *Revenue represents CFD revenue based on the Company’s consolidated statements of income.

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© 2026 GMO Financial Holdings, Inc. 16 Slightly lower than Q1 FY2026 while remaining at a high level +9.1% 7475 68 Securities & FX | CFD Customer Margin Balance Trends (JPY bn) ＜Initiatives to Improve Convenience＞ GMO CLICK: Added three JPY-denominated precious metals CFDs (Gold/JPY, Silver/JPY, and Platinum/JPY) to the product CFD lineup (from June 2026) YoY at Quarter-End

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© 2026 GMO Financial Holdings, Inc. 17 Securities & FX | No.1 in Domestic OTC CFD Trading Volume for 12 Consecutive Years Domestic OTC CFD Trading Volume Trend OTC Commodity CFD Trading Volume Trend GMO CLICK Securities has offered OTC CFD services since 2010, the early stage of the domestic OTC CFD market Ranked No.1 in domestic trading volume for 12 consecutive years and has maintained its market share even after major competitors entered the market from 2021 onward 2025 Market Share 61.6% vs. 2014 ◼Total Market Approx. 13 × Approx. 15 × ◼GMO CLICK Securities (JPY tn) 76 123 68 *Domestic OTC CFD trading volume share is calculated based on statistics published by the JSDA and the Japan Commodity Futures Industry Association (Jan. 2014–Dec. 2024). Coverage includes OTC securities CFDs (individual equities, stock indices, bonds, and other securities) and OTC commodity CFDs (energy, precious metals, and agricultural products). 66 117 2025 Market Share 56.4% (JPY tn) 32 vs. 2014 ◼Total Market ◼GMO CLICK Securities Approx. 30 × Approx. 37 ×

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© 2026 GMO Financial Holdings, Inc. 18 266,628 182,173 6,174 4,044 2,432 384,733 +111.2% Securities & FX | Equities Trading Value Trends Trading value increased for the fifth consecutive quarter amid active market conditions GMO CLICK Securities continued to grow faster than the market +153.9% ◼Trading Value ◼Two-Market Equity Brokerage Trading Value (JPY bn) Q2 YoY Compiled by the Company based on data published by Japan Exchange Group. *Two-market equity brokerage trading value is shown at 1/20 scale on the chart for visibility alongside the Company’s figures, with actual values also displayed. *Trading value share is calculated using figures published by Japan Exchange Group as total market figures. Q2 YoY Q2'26 Trading Val. Share: 1.6% (Q1'26: 1.5%)

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© 2026 GMO Financial Holdings, Inc. 19 Securities & FX | Financial Revenue Trends 693 790 662 537 1,200 1,483 1,874 1,101 772 Higher interest rates increased returns on the management of segregated customer trust assets, while revenue from margin trading also increased amid active stock market conditions, resulting in record-high financial revenue +56.2% ◼Other (incl. segregated trust account income) ◼Margin Trading Income (JPY mn) Q2 YoY Increase due to higher investment income: +JPY 0.38bn

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© 2026 GMO Financial Holdings, Inc. 20 Securities & FX | Status of Receivables at Thai Securities Receivables * 7,126 Coverage Ratio 213.5 % Allowance for Doubtful Accounts 760 Maximum Risk Amount 6,365 ■ As of the End of June 2026 11,188 3,852 176 15,216 ◼Receivables under Agreed Repayment Contracts (THB mn) *Some receivables under agreed repayment contracts are classified as bankruptcy/reorganization claims and doubtful receivables. Stocks Real Estate Corporate Bonds Total Collateral Breakdown (JPY mn) 10.9bn 9.1bn 8.3bn 7.5bn 7.9bn 7.2bn 7.1bn The outstanding balance of claims under the settlement agreement declined to approximately JPY 7.1 billion as of the end of June 2026 Remained broadly flat quarter on quarter due to the timing of repayments of large claims

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© 2026 GMO Financial Holdings, Inc. 21 Crypto Asset | Performance Trends 697710 819 Operating margin declined due to lower trading volume amid sluggish markets and deterioration in the hedging environment, while maintaining a lean operating structure through cost optimization Equipment expenses increased as a result of the transfer of system-related assets associated with the company split effective April 1 ◼Operating Revenue　◼Operating Profit　● Operating Margin (JPY mn) ◼Transaction-related Expenses (excl. Advertising) ◼Advertising Expenses　◼Personnel Expenses　◼Real Estate Expenses ◼Office Expenses　◼Other Costs *In Q4 FY2025, the accounting treatment for the customer-borne portion of staking operation fees was changed from Company expenses to advances paid by the Company. This change affects operating revenue and expenses, with no impact on operating profit. Although the change was recorded collectively in Q4 FY2025, the graph on this page reflects the impact on an incurred-quarter basis for comparability. *As a result of, among other things, a revision to the expense allocation method between the Crypto Assets segment and the FX segment at GMO Coin, Inc. in June 2026, Q2'26 includes a portion of expenses attributable to Q1'26

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© 2026 GMO Financial Holdings, Inc. 22 0.9 1.5 19.0 7.9 4.7 21.1% 6.9% 1.3 ▲23.8% Crypto Asset | Trading Value Trends (JPY tn) ◼GMO Coin Trading Value　◼Total Industry Trading Value ●Domestic Trading Value Share Q2 YoY Prepared by the Company based on “Statistical Information” published by the Japan Virtual and Crypto assets Exchange Association. *GMO Coin trading value is based on monthly figures reported to the Japan Virtual and Crypto assets Exchange Association. *Trading value share is calculated using figures published by the Association as total market figures. *Total industry trading value is shown at half scale in the chart for visibility, with actual values also displayed. ＜Initiatives to Improve Convenience＞ Implemented a campaign to commemorate the launch of the Zipang Coin (ZPG) series linked to gold, silver, and platinum Despite a decline in industry-wide trading value, GMO Coin's market share expanded to 21.1%

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© 2026 GMO Financial Holdings, Inc. 23 77 94 71 Growth was limited due to a decline in assets under custody resulting from lower crypto asset prices, rate competition with competitors, lower rewards (yields), and the impact of fee rebates under campaigns to promote usage ▲24.6% Crypto Asset | Staking Revenue Trends (JPY mn) Q2 YoY

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© 2026 GMO Financial Holdings, Inc. 24 The number of accounts exceeded 800 thousand, with the customer base continuing to expand steadily Crypto asset holdings under custody increased in quantity, while assets under custody trended downward due to lower prices 281 325 431 813799 743 +70k accounts ▲34.9% Crypto Asset | Account & Customer Asset Trends Accounts YoY at Quarter-End Customer Assets ◼Customer Assets (JPY bn)　●Accounts (000 accounts) ●Reference: Bitcoin Price (Quarter-End) *Bitcoin price (at each quarter-end) is based on the closing mid-rate quoted by GMO Coin.

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© 2026 GMO Financial Holdings, Inc. 25 July 15 Enactment ●The Act Partially Amending the Financial Instruments and Exchange Act and the Payment Services Act was enacted on July 15, 2026, and promulgated on July 23, 2026 Second Half of 2026 onwardDevelopment of Detailed Regulations ● Reserve funds will be required as compensation resources in the event of unauthorized outflows of crypto assets ● The specific reserve ratio, which is expected to have a significant impact on business operations, will be stipulated by Cabinet Office Order, taking into account the balance of crypto assets under management and security standards Within One Year After PromulgationRevised Act Scheduled to Take Effect ● The regulatory framework for crypto asset exchange service providers will be transferred from the Payment Services Act to the Financial Instruments and Exchange Act ● Strengthening user protection and improving market transparency and integrity 2028 onwardTax Reform (Expected) ● Eligible crypto assets are expected to transition from the current comprehensive taxation system (maximum 55%) to a flat 20% separate self-assessment taxation system ● Some expectation for increased crypto asset trading as a result of improvements to the tax environment Crypto Assets | Changes in the Regulatory Environment ● The Act Partially Amending the Financial Instruments and Exchange Act and the Payment Services Act was enacted and promulgated in July 2026, marking the full-scale development of a regulatory framework to enhance user protection and market integrity for crypto assets ● We will closely monitor regulatory developments and respond appropriately, contributing to the development of a sound and open crypto asset market *The timing of enforcement, scope of application, and other details of the regulatory framework are subject to change depending on future developments in laws, regulations, and the tax system.

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© 2026 GMO Financial Holdings, Inc. 26 Other | New Services Under the Common ID "1 Account" ● Adopted a market-linked pricing plan Lower electricity charges can be expected by using electricity during lower-priced periods ● Current electricity rates and usage can be checked through the app Easy and secure login with the common ID "1 Account" ● Earn 1 point for every JPY 100 (tax included) spent on electricity charges Points can be redeemed for gift cards and other rewards Lifestyle Infrastructure Service Released on July 13, 2026 Household Budget Management Service Launched the "1 Account Denki" electricity service and the "Kakei Board byGMO" household budgeting app in July 2026 Expanded the range of services available through the common ID "1 Account," creating ongoing customer touchpoints in daily life Released on July 1, 2026 ● ll features available free of charge, with automatic integration with bank accounts, credit cards, and other services No limit on the number of linked accounts ● Automatically visualizes household finances Automatically categorizes transaction details and centrally manages income, expenses, and assets ● Proprietary "Uruoi Check" feature Classifies spending into three categories in a game-like manner to visualize spending patterns

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© 2026 GMO Financial Holdings, Inc. 27 Other | Integration with Group Services Under the Common ID "1 Account" Integrated Services Seamless access with a single ID Began integration with three GMO Pepabo services on July 28, 2026 Expanded opportunities to use "1 Account" through integration with GMO Pepabo's user base, while promoting cross-usage among group services to enhance the appeal of the common ID ※As of the end of June 2026 SUZURI Original merchandise creation and sales service Members: 2.49 million* minne One of Japan's largest handmade marketplaces App downloads: 17.78 million* MuuMuu Domain One of Japan's largest domain registration services Contracts: 1.01 million*

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© 2026 GMO Financial Holdings, Inc. 29 Vision & Growth Strategy | Toward Sustainable Growth Maximize Earnings from Core Businesses Invest in New Businesses Actively investing in high-growth sectors with significant potential for technology utilization, aiming to create No.1 platforms and achieve sustainable growth Pursue affordability and convenience to create new value and drive growth in high-growth sectors Business Portfolio Diversification Pursue synergies and operational efficiency, build a strong customer base, and generate resources for future growth ×

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© 2026 GMO Financial Holdings, Inc. 30 Q2 FY2026 (Apr-Jun) | Earnings Summary (QoQ) Q1'26 （Jan-Mar） Q2'26 （Apr-Jun） Q/Q (JPY mn) Change % Change Operating Revenue 16,234 13,309 ▲2,925 ▲18.0% Net Operating Revenue 15,017 12,078 ▲2,939 ▲19.6% Operating Profit 6,462 3,888 ▲2,573 ▲39.8% 　（Operating Margin） 39.8% 29.2% ー ▲10.6pt Ordinary Profit 6,435 3,825 ▲2,610 ▲40.6% Net Profit 4,205 2,318 ▲1,886 ▲44.9%

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© 2026 GMO Financial Holdings, Inc. 31 Q2 FY2026 (Apr-Jun) | Segment Breakdown (QoQ) Q1'26（Jan-Mar） Q2'26（Apr-Jun） (JPY mn) Securities & FX Operating Revenue 14,261 11,729 （▲17.8%） Operating Profit 6,388 4,028 （▲36.9%） (Operating Margin) 44.8% 34.3% （▲10.4pt） Crypto Asset Operating Revenue 1,185 868 （▲26.7%） Operating Profit 428 145 （▲65.9%） (Operating Margin) 36.1% 16.8% （▲19.3pt） Figures in parentheses are QoQ changes

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© 2026 GMO Financial Holdings, Inc. 32 Q2 FY2026 (Apr-Jun) | Operating Profit Change (QoQ) 38.8 ▲20.8 ▲0.3 +0.6▲2.3 ▲8.0 CFD revenue declined from the record-high level in Q1 FY2026, while lower revenue from OTC FX and Crypto Assets also resulted in lower profit +5.8 +3.0 64.6 ▲3.1 ▲1.0 +0.4 (JPY bn) Q1 FY2026 (Jan-Mar) Operating Profit Q2 FY2026 (Jan-Mar) Operating Profit Equities / Net Financial Revenue FX / FX Options CFD / Equity BO Crypto Assets Trading- related Expenses Others / Adjustment Personnel Expenses Provision for Doubtful Accounts Other CostsOffice Expenses

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© 2026 GMO Financial Holdings, Inc. 33 Volatility in commodity markets, including gold, silver, and crude oil, increased amid heightened geopolitical risks Securities & FX | History of CFD Business ● In April 2010, GMO CLICK Securities launched a CFD trading service using Japan’s first in-house developed trading system. ● The Company has continuously expanded its product lineup and enhanced trading tools, while steadily increasing Margin Balance and the number of active traders, achieving growth in trading volume and revenue during periods of active market conditions. Trading Value & Revenue Trends Since FY2018 ◼Trading Value (JPY tn)　● Revenue (JPY bn) Market volatility increased due to factors including the spread of COVID-19 and U.S.-China tensions (crude oil futures prices turned negative for the first time in Apr. 2020). Market volatility increased amid surging crude oil prices following Russia’s invasion of Ukraine, rate hikes by major central banks, and economic uncertainty caused by the spread of the Omicron variant. Aug. 2024 Markets were highly volatile as recession concerns in the U.S. intensified; after the Nikkei Stock Average recorded its largest-ever drop on Aug. 5, 2024, it rebounded sharply the next day. Apr. 2025 Volatility rose amid intensified U.S.-China trade tensions triggered by Trump tariffs and concerns over a global economic slowdown Launch Phase Platform development & product setup Expansion Phase Product lineup expansion & mobile support *Domestic OTC CFD trading volume share is calculated based on statistics published by the JSDA and the Japan Commodity Futures Industry Association (Jan. 2014–Dec. 2024). Coverage includes OTC securities CFDs (individual equities, stock indices, bonds, and other securities) and OTC commodity CFDs (energy, precious metals, and agricultural products). 2010/4 : Launched CFD trading services (stock index futures CFDs) 2010/7 : Added commodity futures CFDs (gold, crude oil, etc.) 2011/5 : Added major Asian and European stock index products 2011/8 : Major revamp of CFD trading interface 2011/11 : Launched “Platinum Chart CFD” 2011/11 : Major product lineup overhaul; gradually shifted to no-expiry products Evolution & Accelerated Growth Phase Continuous enhancement of trading tools and product competitiveness 2014/12 : Launched foreign equity CFD trading 2015/4 : Released “CFDroid” mobile app 2015/6 : Released “iClickCFD” mobile app 2016/1 : Added two products, including natural gas 2016/3 : Launched overseas ETF CFD trading 2016/8 : Added six leveraged ETF/ETN products 2018/3 : Released rich-client trading tool “Hatchukun CFD” 2023/10 : Added five agricultural commodity CFDs, including wheat 2023/11 : Added three commodity products, including gasoline 2023/12 : Added 12 index-related products 2024/6 : Added Apple Watch support for “GMO Click CFD” 2024/9 : Added 10 U.S. equity products, achieving full Dow coverage 2026/4 : Resumed offering “Platinum Spot” 2026/6 ：Added three JPY-denominated precious metals CFDs 2020/12 : Unified legacy mobile apps and launched “GMO Click CFD” with fully redesigned functionality and UI/UX.Continued enhancing features including charts and technical indicators 2021/9 : Added seven products, including equity-related instruments 2022/4 : Added nine semiconductor -related products 2023/9 : Lowered minimum trade size to support small-lot trading No.1 Share in Domestic OTC CFD Trading Volume 12 consec. yrs No.1 (2014–2025) 150+ Products Access to diverse global asset classes Mobile & PC Continuously evolving, user-friendly tools Small-Lot Trading Available Product design tailored to diverse customer needs

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© 2026 GMO Financial Holdings, Inc. 35 Securities & FX | Status of Receivables at Thai Securities Item Receivables under Agreed Repayment Contracts* Other Non-performing Receivables Balance 7,126 18,404 Collateral Equities 11,188 ー Real Estate 3,852 ー Corporate Bonds 176 　ー Total 15,216 ー Coverage Ratio 213.5% ー Allowance for Doubtful Accounts 760 18,404 Method for Recording Allowance for Doubtful Accounts Allowance is recorded for each debtor based on the amount obtained by deducting the collateral valuation from the loan balance, regardless of delinquency status. Collateral Valuation Method Equities: Number of pledged shares multiplied by the quarter-end share price Real estate: Appraised value by an SEC-registered real estate appraiser multiplied by a prescribed haircut Other: Face value Maximum Risk Exposure 6,365 Coverage Ratio Balance Allowance for Doubtful Accounts 0〜100% 1,361 760 100%〜150% 750 ー 150%〜200% 233 ー 200%〜 4,780 ー合計 7,126 760 ■ Status of All Receivables and Collateral ■ Receivables under Agreed Repayment Contracts by Coverage Ratio(JPY mn) ■ Collection Plan for Receivables under Agreed Repayment Contracts ● Five counterparties fully repaid their obligations during 2025, reducing the number of counterparties under agreed repayment contracts from 15 to 10. ● Collections will continue in accordance with the agreed repayment contracts, with the Company planning to recover more than 90% of total principal during 2026. *All figures in Japanese yen are converted at the exchange rate as of Jun. 30, 2026. Reference Share price decline rates at the time of forced sales of pledged shares over the past two fiscal years Maximum: -79.3%　Average: -47.0%　Minimum: -11.4% (Receivables under agreed repayment contracts − allowance for doubtful accounts related to agreed repayment contracts + collateral value for other non-performing receivables) *Some receivables under agreed repayment contracts are classified as bankruptcy/reorganization claims and doubtful receivables. The outstanding balance of claims under the settlement agreement declined to approximately JPY 7.1 billion as of the end of June 2026 Remained broadly flat quarter on quarter due to the timing of repayments of large claims

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© 2026 GMO Financial Holdings, Inc. 37 Quarterly Trends | Revenue by Segment / Product *Equities / ETFs, etc. include brokerage commissions and other fees related to transactions in equities / ETFs, etc.; fees for handling offerings, secondary distributions, and solicitations for sales to professional investors; and other fees related to investment trusts.

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© 2026 GMO Financial Holdings, Inc. 40 Securities & FX | OTC FX Business Model Pursuing efficient matching and rigorous risk management to hedge position exposure Customer Matching GMO CLICK Securities Acceptable Risk Limit for Own Position Display rate Display rate Sell Orders Buy Orders Cover orders exceeding risk tolerance Cover trade Display rate Customer Cover Counterparties (Foreign Financial Institutions, etc.) Sell Orders Buy Orders

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© 2026 GMO Financial Holdings, Inc. 42 Crypto Asset | Business Model OTC Trading Model Exchange Trading Model GMO Coin acts as counterparty to customer trades, while positions are hedged through cover transactions. GMO Coin provides a marketplace for matching customer trades and earns transaction fees. Liquidity Provider Customer Trades Cover transactions Trades Main revenue source: spread income (difference between ask and bid) Buy Sell Main revenue source: transaction fees Broker Exchange

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© 2026 GMO Financial Holdings, Inc. 43 Other | Ecosystem Built Around Common ID “1 Account” Medical Services Pharmacy FinanceHealthcare IT Infrastructure Lifestyle Infrastructure eSIM Shopping An open ecosystem where companies across industries participate and co-create Toward becoming the No.1 ID integration platform that accelerates business growth for partner companies Partner companies to be expanded in phases External Companies By positioning “1 Account” as a hub connecting group services, the Group aims to achieve efficient customer acquisition and deliver a highly convenient user experience. Securities Banking Crypto Assets Insurance Cards Electricity Gas EC Convenience Stores Shops Servers Internet Access Domains

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© 2026 GMO Financial Holdings, Inc. 44 Customer Demographics | GMO CLICK Securities – Securities Trading Accounts As of June 30, 2026 Gender Ratio Male Female 20s 30s 40s50s 60s Other Age Groups 30s 20s 40s50s 60s Other Age Groups Femaleratioby age Maleratioby age

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© 2026 GMO Financial Holdings, Inc. 45 Customer Demographics | GMO CLICK Securities – FX Trading Accounts Femaleratioby age Maleratioby age Gender Ratio Female Male 20s 30s 40s 50s 60s Other Age Groups 30s 20s 40s 50s 60s Other Age Groups As of June 30, 2026

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© 2026 GMO Financial Holdings, Inc. 46 As of June 30, 2026 20s 30s 40s50s 60s Other Age Groups Female Male Femaleratioby age Maleratioby age Gender Ratio 30s 20s 40s 50s 60s Other Age Groups Customer Demographics | GMO Gaika

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© 2026 GMO Financial Holdings, Inc. 47 Customer Demographics | GMO Coin Femaleratioby age Maleratioby age Gender Ratio20s 30s 40s 50s 60s Other Age Groups Female Male 30s 20s 40s 50s 60s Other Age Groups As of June 30, 2026

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© 2026 GMO Financial Holdings, Inc. 48 Disclaimer and Forward-looking Statements This document contains forward-looking statements, assumptions, forecasts, and plans based on information available as of Aug. 5, 2026. Actual results may differ materially from those described herein due to various risks and uncertainties, including changes in the global economy, competitive conditions, foreign exchange fluctuations, natural disasters, and other unpredictable factors. In addition, certain figures, including market share data, contain estimates calculated by the Company and may differ from figures published by third-party research organizations. The information contained in this material is provided solely for informational purposes and is not intended as a solicitation for investment. The Company assumes no liability whatsoever for any damages arising from the use of this information, regardless of the reason.

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