SBI Sumishin Net Bank and Sumitomo Mitsui Trust Bank Promote Collaboration

SBI Sumishin Net Bank Co., Ltd. (Headquarters: Minato-ku, Tokyo; Representative Director, President (CEO): Noriaki Maruyama; hereinafter "SBI Sumishin Net Bank") and Sumitomo Mitsui Trust Bank, Limited (President: Kazuya Oyama; hereinafter "Sumitomo Mitsui Trust Bank") have announced that they have begun initiatives to provide specialized services from the Sumitomo Mitsui Trust Bank Group to SBI Sumishin Net Bank customers, based on a business alliance agreement concluded on December 19, 2025. SBI Sumishin Net Bank has been providing highly convenient financial services closely linked to daily life, such as mortgages and asset formation, by utilizing cutting-edge technology. Meanwhile, Sumitomo Mitsui Trust Bank has aimed to be the "best partner" for the 100-year life era by offering highly specialized services in asset management, real estate, and wills/inheritance. SBI Sumishin Net Bank and Sumitomo Mitsui Trust Bank will expand their service collaboration and meet the diverse needs of customers by leveraging their respective strengths. 1. Introduction of Sumitomo Mitsui Trust Bank's Discretionary Investment Management Service "Sumitomo Mitsui Trust Fund Wrap" We will begin offering Sumitomo Mitsui Trust Bank's fund wrap service to SBI Sumishin Net Bank customers. In this initiative, Sumitomo Mitsui Trust Bank representatives will provide online consulting (*1), and Sumitomo Mitsui Trust Bank will manage and administer assets as a discretionary investment manager based on the customer's asset management policy. While SBI Sumishin Net Bank has already been providing robo-advisor services, this initiative further expands its service lineup in the asset management domain. It provides a new asset management option for those who are concerned about managing a lump sum of funds or who want to start investing while receiving consultation. Customers of SBI Sumishin Net Bank can receive Sumapro Points according to the contract amount of the Sumitomo Mitsui Trust Fund Wrap by utilizing the program. For details, please check the SBI Sumishin Net Bank website. [Fund Wrap Program] (Link: https://www.netbk.co.jp/contents/cmp/20260326_005192/)