Overview of Structured Finance Credit Office (“SFCO”)

SFCO (formally known as Investment Banking Credit Division) is a 2LoD function responsible for analysing,

approving, sanctioning and monitoring the credit quality of structured finance transactions, including;

Project Finance

Structured Trade Finance

Aircraft Finance

Asset-backed Finance (inc. Securitisation)

SFCO is a global department, office being located in Tokyo, New York, Los Angeles, Singapore and

London. London office (SFCO (EMEA)) is responsible for the EMEA region and we work closely to ensure

global consistency in credit approvals.

Overview of Credit Office for EMEA (“ECrO”):

ECrO is a 2 nd Line of Defence (“2LoD”) function responsible for corporate banking credit for non-Japanese

corporates, non-Japanese FIs, and non- Japanese Sovereigns (collectively Global Corporates).

Its major functions are outlined as follows:

A...