SBI Sumishin Net Bank and Sumitomo Mitsui Trust Bank Advance Business Collaboration

SBI Sumishin Net Bank, Ltd. (Headquarters: Minato-ku, Tokyo; President & CEO: Noriaki Maruyama; hereinafter "SBI Sumishin Net Bank") and Sumitomo Mitsui Trust Bank, Limited (President: Kazuya Oyama; hereinafter "Sumitomo Mitsui Trust Bank") announce the launch of initiatives to provide SBI Sumishin Net Bank customers with specialized services from the Sumitomo Mitsui Trust Bank Group, based on the business partnership agreement concluded on December 19, 2025.

SBI Sumishin Net Bank has leveraged cutting-edge technology to offer highly convenient financial services closely integrated into daily life, including home loans and asset building. Meanwhile, Sumitomo Mitsui Trust Bank has aimed to become the "best partner" for the 100-year life era by providing highly specialized services in asset management, real estate, wills, and inheritance.

SBI Sumishin Net Bank and Sumitomo Mitsui Trust Bank will expand their service integration and leverage their respective strengths to meet the diverse needs of their customers.

1. Launch of Sumitomo Mitsui Trust Bank's Discretionary Investment Service "Sumitomo Mitsui Trust Fund Wrap"

＜Purpose and Background＞

This initiative begins offering SBI Sumishin Net Bank customers the Sumitomo Mitsui Trust Bank fund wrap service—where Sumitomo Mitsui Trust Bank representatives provide online consultations (※1) and manage and operate assets as a discretionary investment manager according to each customer's asset management policy. SBI Sumishin Net Bank has previously offered robo-advisor services, and this initiative further expands the service lineup in the asset management domain. It provides new asset management options for those anxious about investing a lump sum or those who wish to start investing with guidance. SBI Sumishin Net Bank customers who use the Sumitomo Mitsui Trust Fund Wrap program through SBI Sumishin Net Bank can receive Smapro Points based on their Sumitomo Mitsui Trust Fund Wrap contract amount. Please check the SBI Sumishin Net Bank website for details.