UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16

OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of November 2010.

Commission File Number 333-170434

Chuo Mitsui Trust Holdings, Inc.

(Translation of registrant’s name into English)

33-1, Shiba, 3-chome

Minato-ku, Tokyo 105-8574

Japan

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F. Form 20-F:  x    Form 40-F:  ¨

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):  ¨

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):  ¨

Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.    Yes  ¨    No  ¨

If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): 82-             .

This report on Form 6-K contains the following:

1. Press release dated November  12, 2010: Consolidated Financial Statements for the 2nd Quarter (1st Half) of Fiscal Year 2010 [under Japanese GAAP]

2. Press release dated November 12, 2010: Reference Material for Financial Statements First Half FY2010

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	Chuo Mitsui Trust Holdings, Inc.
Date: November 12, 2010
	By:	/s/    MASARU HASHIMOTO
	Name:	Masaru Hashimoto
	Title:	Senior Executive Officer

Chuo Mitsui Trust Holdings, Inc.

Consolidated Financial Statements for the 2nd Quarter (1st Half) of Fiscal Year 2010 [under Japanese GAAP]

November 12, 2010

33-1, Shiba 3-chome, Minato-ku, Tokyo 105-8574 Japan

Stock Exchange Listings: Tokyo, Osaka, Nagoya

Securities Code: 8309

(URL http://www.chuomitsui.jp/)

President: Kazuo Tanabe

<Note>Amounts less than one million yen are rounded down

1. Consolidated Financial Highlights for the 2nd Quarter (1st Half) of Fiscal Year 2010 (from April 1, 2010 to September 30, 2010)

(1) Operating Results (%: Change from the same period in the previous year)

	Ordinary Income					Ordinary Profit				Net Income
	million yen		%			million yen		%		million yen		%
1st Half FY 2010		179,238		(1.4	)		50,104		45.7		32,071		68.0
1st Half FY 2009		181,802		(13.4	)		34,392		27.8		19,088		38.4

	Net Income per Common Share (Basic)		Net Income per Common Share (Diluted)
	yen		yen
1st Half FY 2010		19.34		—
1st Half FY 2009		14.41		—

Note: Net Income per Common Share (Diluted) was not stated as there were no potential dilutive securities.

(2) Financial Conditions

	Total Assets		Net Assets		Net Assets Ratio		Net Assets per Common Share		Consolidated Capital Adequacy Ratio (Uniform domestic standard)
As of	million yen		million yen		%		yen		%
September 30, 2010		14,265,161		850,115		4.6		399.73		15.02
March 31, 2010		14,977,966		846,556		4.4		397.69		13.80

(Reference) Shareholders’ equity as of September 30, 2010: 662,782 million yen; as of March 31, 2010: 659,394 million yen

Note1:	Net assets ratio = {(Net assets - Minority interest)/Total assets} ×100
Note2:	Consolidated Capital Adequacy Ratio (Uniform domestic standard) is calculated based on the “Standards for Bank Holding Company to Examine the Adequacy of Its Capital Based on Assets, etc. Held by It and Its Subsidiaries Pursuant to Article 52-25 of Banking Act” (Notification 20 issued by the Japanese Financial Services Agency in 2006).
	The ratio as of September 30, 2010 is the preliminary figure for immediate release purposes.

2. Dividends

Record Date	1st Quarter-end		2nd Quarter-end		3rd Quarter-end		Fiscal Year-end		Annual
	yen		yen		yen		yen		yen
FY 2009		—		0.00		—		8.00		8.00
FY 2010		—		4.00
FY 2010 (Outlook)						—		4.00		8.00

Note: There are no changes in the estimated figures in this quarter.

- 1 -

3. Outlook for Fiscal Year 2010 (from April 1, 2010 to March 31, 2011)

(%: Change from the same period in the previous year)

	Ordinary Income					Ordinary Profit				Net Income				Net Income per Common Share
	million yen		%			million yen		%		million yen		%		yen
Annual		360,000		(1.5	)		90,000		7.9		50,000		6.8		30.15

Note: Revision of the outlook in this quarter: None

4. Others

(1) Changes in significant Subsidiaries and Affiliates (Specified Subsidiary): None

(2) Changes in accounting principles, procedures, and presentation rules:

1) Changes due to revision of the accounting standards: Yes

2) Changes other than those in item 1): None

(3) Number of shares of common stock outstanding :

1) Number of shares of common stock outstanding (including treasury stock)

September 30, 2010: 1,658,426,267 shares; March 31, 2010: 1,658,426,267 shares

2) Number of shares of treasury stock

September 30, 2010: 378,777 shares; March 31, 2010: 366,149 shares

3) Average number of shares of common stock outstanding (for the 1st Half of Fiscal Year)

1st Half FY 2010: 1,658,055,685 shares; 1st Half FY 2009: 1,324,179,541 shares

(Summary of Non-consolidated Financial Results)

1. Non-consolidated Financial Highlights for the 2nd Quarter (1st Half) of Fiscal Year 2010 (from April 1, 2010 to September 30, 2010)

(1) Operating Results (%: Change from the same period in the previous year)

	Operating Income					Operating Profit					Ordinary Profit					Net Income					Net Income per Common Share
	million yen		%			million yen		%			million yen		%			million yen		%			yen
1st Half FY 2010		20,512		77.7			15,230		148.6			13,315		118.8			13,031		114.6			7.85
1st Half FY 2009		11,543		(26.4	)		6,126		(46.8	)		6,084		(46.7	)		6,073		(46.8	)		4.58

(2) Financial Conditions

As of	Total Assets		Net Assets		Net Assets Ratio		Net Assets per Common Share
	million yen		million yen		%		yen
September 30, 2010		804,723		612,138		76.1		369.19
March 31, 2010		805,149		612,375		76.1		369.33

(Reference) Shareholders’ equity as of September 30, 2010: 612,138 million yen; as of March 31, 2010: 612,375 million yen

Note: Net assets ratio = (Net assets /Total assets)×100

3. Outlook for Fiscal Year 2010 (from April 1, 2010 to March 31, 2011)

(%: Change from the same period in the previous year)

	Operating Income				Operating Profit				Ordinary Profit				Net Income				Net Income per Common Share
	million yen		%		million yen		%		million yen		%		million yen		%		yen
Annual		22,000		61.2		12,000		286.3		10,000		337.9		9,000		214.1		5.43

Indication regarding implementation status for interim audit procedure

At the time of this financial statement disclosure, procedure to audit the interim financial statement in accordance with the Financial Instruments and Exchange Act has not been completed yet.

Cautionary Statement Regarding Forward-Looking Statements

This document contains forecasts for the fiscal year ending March 31, 2011 and other forward-looking statements that reflect the plans and expectations of Chuo Mitsui Trust Holdings, Inc. Actual results may differ materially from the forecasts and other forward-looking statements in this document due to various factors, including but not limited to, changes in interest rates, stock or other market risks and the condition of the Japanese economy.

- 2 -

[Table of Contents of accompanying material]

1. Qualitative information regarding consolidated financial statements for 1st Half FY 2010

(1) Qualitative information regarding consolidated operating results

(2) Qualitative information regarding consolidated financial conditions

(3) Qualitative information regarding consolidated outlook

2. Others

(1) Changes in significant Subsidiaries and Affiliates (Specified Subsidiary)

(2) Changes in accounting principles, procedures, and presentation rules

3. Consolidated financial statements

(1) Consolidated Balance Sheets

(2) Consolidated Statements of Income

(3) Consolidated Statements of Changes in Net Assets

(4) Note for Going-Concern Assumption

4. Non-consolidated financial statements

(1) Non-consolidated Balance Sheets

(2) Non-consolidated Statements of Income

(3) Non-consolidated Statements of Changes in Net Assets

(4) Note for Going-Concern Assumption

There will be analyst meeting regarding the financial results of 1st Half FY 2010.

- 3 -

1. Qualitative information regarding consolidated financial statements for 1st Half FY 2010

(1) Qualitative information regarding consolidated operating results

With respect to the economic conditions during this period, economic recovery in U.S. or other developed countries remained sluggish, and the pace of economic recovery in developing countries such as China slowed down slightly. In Japan, economic condition has shown a gradual recovery trend. However, outlook for the economic conditions has become unclear since the appreciation of the Japanese yen against foreign currencies has developed and the growth in exports and production has slowed down.

In the financial markets, short-term interest rates (overnight call rates) hovered around the Bank of Japan’s target rate of 0.1%. Since concerns about the global economic uncertainty led to a withdrawal from risk assets, long-term interest rates fell to 0.9% level, for the first time since August 2003, from a 1.3% range at the beginning of the period.

The Nikkei Stock Average dropped from the 11,000 level at the beginning of the period, finishing at the 9,300 level. In the foreign exchange market, the yen trended higher against the dollar, rising from the ¥93 range in early April to the ¥83 range at the end of the period.

In these economic and financial conditions, each of our group companies – The Chuo Mitsui Trust and Banking Company, Limited, focusing on the retail trust, banking, real estate, and transfer agency businesses; Chuo Mitsui Asset Trust and Banking Company, Limited, focusing on the pension trust and securities trust businesses; Chuo Mitsui Asset Management Company, Limited, focusing on the investment trust business; and Chuo Mitsui Capital Company Limited, focusing on the private equity fund management business – has deployed various initiatives in keeping with our fundamental policy of “accumulating profits of all operating departments at each group subsidiary in order to enhance the gross operating profit.”

Regarding our consolidated 1st Half operating results, ordinary income increased by ¥15.7 billion year on year to ¥50.1 billion and net income increased by ¥12.9 billion to ¥32.0 billion mainly due to steady increase in market related income and decrease in new non-performing loan at our bank subsidiaries.

Our consolidated capital adequacy ratio (Domestic Standard) was 15.02% (preliminary). The table below shows the progression of our capital adequacy ratio, including this period.

Reference Date	End FY 2007			End FY 2008			End FY 2009			End 1st Half FY 2010
Capital Adequacy Ratio*		13.84	%		12.05	%		13.80	%		15.02 (preliminary	%  )

* Since the fiscal year ended March 2007, our consolidated capital adequacy ratio (domestic standard) has been calculated in accordance with the “Standard for Consolidated Capital Adequacy Ratio of Banking Holding Company under Article 52-25 of the Banking Act” (the Notification of the Financial Service Agency No. 20 of 2006).

(2) Qualitative information regarding consolidated financial conditions

Regarding our consolidated assets and liabilities, total assets decreased by ¥712.8 billion during this period to ¥14,265.1 billion as of September 30, 2010, of which loans and bills discounted decreased by ¥74.0 billion to ¥8,867.9 billion, and securities decreased by ¥459.4 billion to ¥4,066.1 billion. Deposits increased by ¥172.5 billion during this period to ¥8,932.4 billion as of September 30, 2010.

(3) Qualitative information regarding consolidated outlook

Consolidated net income for the 1st half of fiscal year 2010 reached to approximately 64% to the outlook for the consolidated results for the current fiscal year which was announced on May 14, 2010, mainly due to the steady accumulation of market related income and decrease in credit costs. However, as the future business environments should be carefully watched for, there is no change in outlook for consolidated results for the current fiscal year.

- 4 -

2. Others

(1) Changes in significant Subsidiaries and Affiliates (Specified Subsidiary): None

(2) Changes in accounting principles, procedures, and presentation rules:

a) Adoption of “Accounting Standard for Equity Method of Accounting for Investments” and “Practical Solution for Unification of Accounting Policies Applied to Associates Accounted for Using the Equity Method”

We have adopted “Accounting Standard for Equity Method of Accounting for Investments” (ASBJ Statement No. 16, March 10, 2008) and “Practical Solution for Unification of Accounting Policies Applied to Associates Accounted for Using the Equity Method” (PITF No. 24, March 10, 2008) from the consolidated accounting period ended September 30, 2010.

There was no effect on financial statements with regard to this adoption.

b) Adoption of “Accounting Standards for Asset Retirement Obligations”

We have adopted “Accounting Standards for Asset Retirement Obligations” (ASBJ Statement No. 18, March 31, 2008) and “Implementation Guidance for Asset Retirement Obligations” (ASBJ Guidance No. 21, March 31, 2008) from the consolidated accounting period ended September 30, 2010. As a result, Ordinary Profit and income before income taxes decreased by ¥13 million and ¥238 million, respectively. With regard to this adoption, the amount of asset retirement obligations increased ¥418 million.

- 5 -

Chuo Mitsui Trust Holdings, Inc.

Consolidated Balance Sheets

	As of September 30, 2010			As of March 31, 2010
	(in millions of yen)
Assets
Cash and due from banks		229,583			262,240
Call loans and bills bought		5,056			9,884
Receivables under securities borrowing transactions		11,938			1,521
Monetary claims bought		97,510			98,818
Trading assets		18,929			22,778
Money held in trust		2,270			2,234
Securities		4,066,192			4,525,683
Loans and bills discounted		8,867,944			8,941,948
Foreign exchanges		716			767
Other assets		333,489			446,145
Tangible fixed assets		125,546			126,000
Intangible fixed assets		57,929			58,940
Deferred tax assets		142,725			150,296
Customers’ liabilities for acceptances and guarantees		352,067			384,117
Allowance for loan losses		(46,739	)		(53,410	)
Total assets		14,265,161			14,977,966
Liabilities
Deposits		8,932,458			8,759,917
Negotiable certificates of deposit		271,170			327,190
Call money and bills sold		274,493			306,161
Payables under securities lending transactions		1,638,268			1,702,697
Trading liabilities		8,538			7,911
Borrowed money		445,874			1,217,246
Foreign exchanges		—			21
Bonds payable		227,741			234,750
Due to trust accounts		873,256			995,612
Other liabilities		367,455			170,887
Provision for bonuses		3,140			3,160
Provision for retirement benefits		2,752			2,662
Provision for directors’ retirement benefits		1,292			1,704
Provision for contingent losses		13,230			12,022
Deferred tax liabilities		3,307			5,346
Acceptances and guarantees		352,067			384,117
Total liabilities		13,415,045			14,131,410
Net assets
Capital stock		261,608			261,608
Retained earnings		396,425			377,619
Treasury stock		(272	)		(270	)
Shareholders’ equity		657,761			638,957
Valuation difference on available-for-sale securities		17,750			35,002
Deferred gains or losses on hedges		4,805			2,705
Revaluation reserve for land		(15,532	)		(15,532	)
Foreign currency translation adjustment		(2,002	)		(1,738	)
Valuation and translation adjustments		5,021			20,436
Minority interests		187,333			187,161
Total net assets		850,115			846,556
Total liabilities and net assets		14,265,161			14,977,966

<Note>Amounts less than one million yen are rounded down.

- 6 -

Chuo Mitsui Trust Holdings, Inc.

Consolidated Statements of Income

	1st Half FY 2010		1st Half FY 2009
	(in millions of yen)
Ordinary income		179,238		181,802
Trust fees		23,372		26,543
Interest income		81,042		91,715
Interest on loans and discounts		54,658		62,187
Interest and dividends on securities		23,616		28,059
Fees and commissions		43,193		39,302
Trading income		1,494		926
Other ordinary income		23,567		15,002
Other income		6,567		8,311
Ordinary expenses		129,133		147,410
Interest expenses		30,752		35,696
Interest on deposits		21,038		22,821
Fees and commissions payments		10,549		9,420
Trading expenses		40		—
Other ordinary expenses		4,852		3,355
General and administrative expenses		69,713		75,070
Other expenses		13,224		23,868
Ordinary profit		50,104		34,392
Extraordinary income		7,503		1,913
Gain on disposal of noncurrent assets		13		209
Reversal of allowance for loan losses		5,815		—
Recoveries of written-off claims		1,675		940
Reversal of allowance for contingent losses		—		762
Extraordinary loss		2,774		201
Loss on disposal of noncurrent assets		161		201
Management integration expenses		2,132		—
Other		481		—
Income before income taxes		54,833		36,104
Income taxes-current		3,621		4,182
Income taxes-deferred		15,175		9,016
Total income taxes		18,796		13,199
Income before minority interests in income		36,037
Minority interests in income		3,965		3,815
Net income		32,071		19,088

<Note>Amounts less than one million yen are rounded down.

- 7 -

Chuo Mitsui Trust Holdings, Inc.

Consolidated Statements of Changes in Net Assets

	1st Half FY 2010			1st Half FY 2009
	(in millions of yen)
Shareholders’ equity:
Capital stock
Balance at the end of previous period		261,608			261,608
Changes of items during the period:
Total changes of items during the period		—			—
Balance at the end of the current period		261,608			261,608
Retained earnings:
Balance at the end of previous period		377,619			338,564
Changes of items during the period:
Dividends from surplus		(13,264	)		(7,765	)
Net income		32,071			19,088
Disposal of treasury stock		(1	)		(3	)
Total changes of items during the period		18,805			11,319
Balance at the end of the current period		396,425			349,883
Treasury stock:
Balance at the end of previous period		(270	)		(262	)
Changes of items during the period:
Acquisition of treasury stock		(5	)		(8	)
Disposal of treasury stock		3			6
Total changes of items during the period		(2	)		(2	)
Balance at the end of the current period		(272	)		(264	)
Total shareholders’ equity
Balance at the end of previous period		638,957			599,910
Changes of items during the period:
Dividends from surplus		(13,264	)		(7,765	)
Net income		32,071			19,088
Acquisition of treasury stock		(5	)		(8	)
Disposal of treasury stock		1			2
Total changes of items during the period		18,803			11,317
Balance at the end of the current period		657,761			611,227
Valuation and translation adjustments:
Valuation difference on available-for-sale securities:
Balance at the end of previous period		35,002			(83,325	)
Changes of items during the period:
Net changes of items other than shareholders’ equity		(17,251	)		130,700
Total changes of items during the period		(17,251	)		130,700
Balance at the end of the current period		17,750			47,374
Deferred gains or losses on hedges:
Balance at the end of previous period		2,705			2,406
Changes of items during the period:
Net changes of items other than shareholders’ equity		2,100			(1,333	)
Total changes of items during the period		2,100			(1,333	)
Balance at the end of the current period		4,805			1,073

- 8 -

	1st Half FY 2010			1st Half FY 2009
	(in millions of yen)
Revaluation reserve for land:
Balance at the end of previous period		(15,532	)		(15,532	)
Changes of items during the period:
Total changes of items during the period		—			—
Balance at the end of the current period		(15,532	)		(15,532	)
Foreign currency translation adjustments:
Balance at the end of previous period		(1,738	)		(2,045	)
Changes of items during the period:
Net changes of items other than shareholders’ equity		(264	)		581
Total changes of items during the period		(264	)		581
Balance at the end of the current period		(2,002	)		(1,464	)
Total valuation and translation adjustments:
Balance at the end of previous period		20,436			(98,497	)
Changes of items during the period:
Net changes of items other than shareholders’ equity		(15,415	)		129,948
Total changes of items during the period		(15,415	)		129,948
Balance at the end of the current period		5,021			31,450
Minority interests:
Balance at the end of previous period		187,161			187,041
Changes of items during the period:
Net changes of items other than shareholders’ equity		172			46
Total changes of items during the period		172			46
Balance at the end of the current period		187,333			187,088
Total net assets:
Balance at the end of previous period		846,556			688,455
Changes of items during the period:
Dividends from surplus		(13,264	)		(7,765	)
Net income		32,071			19,088
Acquisition of treasury stock		(5	)		(8	)
Disposal of treasury stock		1			2
Net changes of items other than shareholders’ equity		(15,243	)		129,994
Total changes of items during the period		3,559			141,312
Balance at the end of the current period		850,115			829,767

<Note>Amounts less than one million yen are rounded down.

- 9 -

Note for the Going-Concern Assumption

There are no corresponding items.

- 10 -

Chuo Mitsui Trust Holdings, Inc.

Non-consolidated Balance Sheets

	As of September 30, 2010			As of March 31, 2010
	(in millions of yen)
Assets
Current assets
Cash and due from banks		1,410			1,922
Securities		32,000			35,000
Income taxes refunds receivable		3,415			2,024
Other current assets		2,071			316
Total current assets		38,897			39,263
Non-current assets
Tangible fixed assets		1			1
Intangible fixed assets		3			4
Investments and other assets		765,821			765,879
Investments in subsidiaries and affiliates(Stocks)		764,391			764,406
Other investments		1,429			1,473
Total non-current assets		765,826			765,885
Total assets		804,723			805,149
Liabilities
Current liabilities
Provision for bonuses		85			80
Other liabilities		1,501			1,588
Total current liabilities		1,587			1,668
Non-current liabilities
Bonds payable		189,700			189,700
Provision for retirement benefits		1,097			1,041
Provision for directors’ retirement benefits		200			363
Total non-current liabilities		190,997			191,105
Total liabilities		192,585			192,774
Net assets
Shareholders’ equity
Capital stock		261,608			261,608
Capital surplus
Legal capital surplus		65,411			65,411
Other capital surplus		53,255			53,257
Total capital surplus		118,666			118,668
Retained earnings
Other retained earnings		232,135			232,368
Retained earnings brought forward		232,135			232,368
Total retained earnings		232,135			232,368
Treasury stock		(272	)		(270	)
Total shareholders’ equity		612,138			612,375
Total net assets		612,138			612,375
Total liabilities and net assets		804,723			805,149

<Note>Amounts less than one million yen are rounded down.

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Chuo Mitsui Trust Holdings, Inc.

Non-consolidated Statements of Income

	1st Half FY 2010		1st Half FY 2009
	(in millions of yen)
Operating income
Dividends received from subsidiaries		17,068		10,017
Fees and commissions received from subsidiaries		3,444		1,525
Total operating income		20,512		11,543
Operating expenses
Interest on bonds		3,783		3,905
General and administrative expenses		1,498		1,511
Total operating expenses		5,281		5,417
Operating profit		15,230		6,126
Non-operating income		32		44
Non-operating expenses		1,947		85
Ordinary profit		13,315		6,084
Extraordinary income		22		—
Income before income taxes		13,338		6,084
Income taxes
Income taxes-current		1		1
Income taxes-deferred		305		9
Total income taxes		307		11
Net income		13,031		6,073

<Note>Amounts less than one million yen are rounded down.

- 12 -

Chuo Mitsui Trust Holdings, Inc.

Non-consolidated Statements of Changes in Net Assets

	1st Half FY 2010			1st Half FY 2009
	(in millions of yen)
Shareholders’ equity:
Capital stock
Balance at the end of previous period		261,608			261,608
Changes of items during the period:
Total changes of items during the period		—			—
Balance at the end of the current period		261,608			261,608
Capital surplus:
Legal capital surplus:
Balance at the end of previous period		65,411			65,411
Changes of items during the period:
Total changes of items during the period		—			—
Balance at the end of the current period		65,411			65,411
Other capital surplus:
Balance at the end of previous period		53,257			53,262
Changes of items during the period:
Disposal of treasury stock		(1	)		(3	)
Total changes of items during the period		(1	)		(3	)
Balance at the end of the current period		53,255			53,258
Total capital surplus:
Balance at the end of previous period		118,668			118,673
Changes of items during the period:
Disposal of treasury stock		(1	)		(3	)
Total changes of items during the period		(1	)		(3	)
Balance at the end of the current period		118,666			118,670
Retained earnings:
Other retained earnings:
Balance at the end of previous period		232,368			237,268
Changes of items during the period:
Dividends from surplus		(13,264	)		(7,765	)
Net income		13,031			6,073
Total changes of items during the period		(233	)		(1,692	)
Balance at the end of the current period		232,135			235,576
Total retained earnings:
Balance at the end of previous period		232,368			237,268
Changes of items during the period:
Dividends from surplus		(13,264	)		(7,765	)
Net income		13,031			6,073
Total changes of items during the period		(233	)		(1,692	)
Balance at the end of the current period		232,135			235,576
Treasury stock:
Balance at the end of previous period		(270	)		(262	)
Changes of items during the period:
Acquisition of treasury stock		(5	)		(8	)
Disposal of treasury stock		3			6
Total changes of items during the period		(2	)		(2	)
Balance at the end of the current period		(272	)		(264	)

- 13 -

	1st Half FY 2010			1st Half FY 2009
	(in millions of yen)
Total shareholders’ equity
Balance at the end of previous period		612,375			617,289
Changes of items during the period:
Dividends from surplus		(13,264	)		(7,765	)
Net income		13,031			6,073
Acquisition of treasury stock		(5	)		(8	)
Disposal of treasury stock		1			2
Total changes of items during the period		(237	)		(1,698	)
Balance at the end of the current period		612,138			615,591
Total net assets:
Balance at the end of previous period		612,375			617,289
Changes of items during the period:
Dividends from surplus		(13,264	)		(7,765	)
Net income		13,031			6,073
Acquisition of treasury stock		(5	)		(8	)
Disposal of treasury stock		1			2
Total changes of items during the period		(237	)		(1,698	)
Balance at the end of the current period		612,138			615,591

<Note>Amounts less than one million yen are rounded down.

- 14 -

Note for the Going-Concern Assumption

There are no corresponding items.

- 15 -

Reference Material for

Financial Statements

First Half FY2010

November 12, 2010

[Table of Contents]

The Point of Explanation
I Summary of Business Results for First Half FY2010
1. Summary of Profit and Loss	....	1
2. Summary of Profit and Loss of Two Bank Subsidiaries	....	2
3. Capital Adequacy Ratio [Domestic Standard] [Preliminary]	....	4
II Status of Profit and Loss, Assets
1. Status of Profit and Loss	....	5
2. Status of Assets	....	9
III Outlook for FY2010	....	11
Reference Data
I Summary of Business Results for First Half FY2010
1. Summary of Profit and Loss	....	12
2. Pre-Provision Profit per Employee	....	15
3. Yields and Margins	....	15
4. Gains (Losses) on Securities	....	16
5. Unrealized Gains (Losses) on Securities	....	17
6. Redemption Schedule of Available-for-Sale Securities with Maturities and Held-to-Maturity Securities	....	18
7. Deferred Unrealized Gains(Losses) on Hedge Accounting Applied Delivative Transaction	....	19
8. Capital Adequacy Ratio [Domestic Standard] (Preliminary)	....	20
9. ROE	....	21
10. Retirement Benefit Costs	....	21
11. Status of Deferred Tax Assets	....	22
II Loans
1. Risk-Monitored Loans	....	23
2. Allowance for Loan Losses	....	26
3. Allowance Ratio for Risk-Monitored Loans	....	27
4. Self-Assessment	....	28
5. Disclosure of Claims Classified under the Financial Revitalization Law	....	29
6. Allowance Ratio by General Allowances	....	33
7. Disposal of Non-Performing Claims	....	33
8. Progress in Off-Balancing of Non-Performing Claims (Banking Account + Trust Account)	....	34
9. Loans by Type of Industry	....	36
10. Loans by Countries	....	37
11. Deposits and Loans	....	38
III Outlook for FY2010	....	39
(Appendix) Financial Statements of Two Bank Subsidiaries
1. Summary of Business Results for First Half FY2010	....	40
2. Financial Statements	....	41

“CMTH”	:	Chuo Mitsui Trust Holdings, Inc.
“CMTB”	:	The Chuo Mitsui Trust & Banking Co., Ltd.
“CMAB”	:	Chuo Mitsui Asset Trust & Banking Co., Ltd.
“CMTB+CMAB”	:	Combined totals for “CMTB” and “CMAB”, Non-consolidated

This press release contains forward-looking statements regarding the company's financial condition and future results of operations, which are based upon the company's currently available data and certain assumptions considered rational. Such forward-looking statements are subject to risks, uncertainties and assumptions, and actual results may materially differ from those contained in the forward-looking statements as a result of various factors.

Chuo Mitsui Trust Holdings, Inc.

The Point of Explanation

I Summary of Business Results for First Half FY2010

1. Summary of Profit and Loss

(1) CMTH, Non-consolidated

	(Billions of yen)
	No.		1H FY2010		Change		1H FY2009		1H FY2010 Outlook [Note1]
Operating income		1		20.5		8.9		11.5		20.0
Operating profit		2		15.2		9.1		6.1		15.0
Ordinary profit		3		13.3		7.2		6.0		13.0
Net income		4		13.0		6.9		6.0		13.0
Dividends per share: Common stock		5		4.00 yen		4.00 yen		—		4.00 yen

(2) CMTH, Consolidated

	(Billions of yen)
	No.		1H FY2010		Change			1H FY2009		1H FY2010 Outlook [Note2]
Ordinary income		6		179.2		(2.5	)		181.8		180.0
Ordinary profit		7		50.1		15.7			34.3		50.0
Net income		8		32.0		12.9			19.0		31.0
Number of Subsidiaries and Affiliates	(Number of companies)
	No.		End-Sep.2010		Change			End-Sep.2009
Consolidated subsidiaries		9		25		1			24
Equity method affiliates		10		4		—			4

(3) CMTB+CMAB, Non-consolidated

	(Billions of yen)
	No.		1H FY2010		Change		1H FY2009		1H FY2010 Outlook [Note2]
Pre-provision profit		11		59.3		1.9		57.3		59.0
Ordinary profit		12		48.1		12.0		36.1		48.0
Net income		13		36.4		11.6		24.8		36.0

[Note1] Previously announced on May 14, 2010

[Note2] Previously announced on October 14, 2010

- 1 -

Chuo Mitsui Trust Holdings, Inc.

2. Summary of Profit and Loss of Two Bank Subsidiaries

		(Billions of yen)
		No.		CMTB+CMAB
				1H FY2010			Change			1H FY2009
Gross operating profit			1		115.6			(0.6	)		116.2
<Gross operating profit after trust account credit costs>	(1-24)		2		<115.6>			<1.6>			<114.0>
Banking business related profit			3		53.5			(11.2	)		64.7
Net interest income			4		49.3			(5.7	)		55.1
Domestic			5		39.3			(5.0	)		44.4
International			6		10.0			(0.6	)		10.7
Fees on loan trusts and JOMTs before trust account credit costs			7		4.1			(5.4	)		9.6
Asset management business profit			8		42.0			3.0			38.9
Net fees and commissions			9		22.7			3.0			19.7
Trust fees			10		19.2			0.0			19.2
Net trading profit			11		1.4			0.5			0.9
Net other operating profit			12		18.7			7.0			11.6
Net bond related profit			13		19.3			12.1			7.2
Profit on derivatives			14		(0.5	)		(3.1	)		2.5
Operating expenses	(minus)		15		56.3			(2.5	)		58.9
Personnel related costs	(minus)		16		25.0			(2.9	)		28.0
Net periodic retirement benefit costs	(minus)		17		(1.2	)		(3.4	)		2.1
Non-personnel related costs	(minus)		18		28.6			0.3			28.2
Business taxes	(minus)		19		2.7			0.0			2.7
Pre-provision profit	(1-15)		20		59.3			1.9			57.3
<Excluding net bond related profit>	(20-13)		21		<39.9>			<(10.1)>			<50.1>
Provision for general allowance for credit losses	(minus)		22		—			1.1			(1.1	)
Net operating profit before trust account credit costs	(20-22)		23		59.3			0.7			58.5
Trust account credit costs	(minus)		24		—			(2.2	)		2.2
Net operating profit	(20-22-24)		25		59.3			3.0			56.2
Net other profit			26		(11.1	)		9.0			(20.1	)
Net stock related profit			27		1.5			(2.0	)		3.5
Losses on devaluation of stock			28		(1.3	)		(0.2	)		(1.1	)
Banking account credit costs	(minus)		29		0.8			(9.0	)		9.9
Ordinary profit			30		48.1			12.0			36.1
Extraordinary profit			31		5.5			4.1			1.4
Reversal of allowance for loan losses			32		6.9			6.9			—
Net income before income tax			33		53.7			16.1			37.5
Income taxes-current	(minus)		34		2.6			(0.8	)		3.4
Income taxes-deferred	(minus)		35		14.7			5.3			9.3
Net income			36		36.4			11.6			24.8
[Note]JOMT:Jointly-operated money trust
Credit costs	(22+24+29-32) (minus)		37		(6.1	)		(17.1	)		11.0
Overhead Ratio	(15 / 1)		38		48.7	%		(1.9	)%		50.7	%

- 2 -

Chuo Mitsui Trust Holdings, Inc.

<Reference>

		(Billions of yen)
		No.		CMTB, Non-consolidated									CMAB, Non-consolidated
				1H FY2010			Change			1H FY2009			1H FY2010			Change			1H FY2009
Gross operating profit			1		100.8			0.7			100.0			14.8			(1.4	)		16.2
<Gross operating profit after trust account credit costs>	(1-24)		2		<100.8>			<3.0>			<97.8>			<14.8>			<(1.4)>			<16.2>
Banking business related profit			3		53.4			(11.2	)		64.7			0.0			(0.0	)		0.0
Net interest income			4		49.3			(5.7	)		55.1			0.0			(0.0	)		0.0
Domestic			5		39.3			(5.0	)		44.3			0.0			(0.0	)		0.0
International			6		10.0			(0.6	)		10.7			—			—			—
Fees on loan trusts and JOMTs before trust account credit costs			7		4.1			(5.4	)		9.6			—			—			—
Asset management business profit			8		27.1			4.4			22.7			14.8			(1.3	)		16.1
Net fees and commissions			9		25.4			4.4			20.9			(2.7	)		(1.4	)		(1.2	)
Trust fees			10		1.7			(0.0	)		1.7			17.5			0.0			17.4
Net trading profit			11		1.4			0.5			0.9			—			—			—
Net other operating profit			12		18.7			7.0			11.6			—			—			—
Net bond related profit			13		19.3			12.1			7.2			—			—			—
Profit on derivatives			14		(0.5	)		(3.1	)		2.5			—			—			—
Operating expenses	(minus)		15		48.7			(2.4	)		51.1			7.6			(0.1	)		7.8
Personnel related costs	(minus)		16		21.4			(2.7	)		24.1			3.5			(0.2	)		3.8
Net periodic retirement benefit costs	(minus)		17		(1.2	)		(3.0	)		1.7			(0.0	)		(0.4	)		0.4
Non-personnel related costs	(minus)		18		24.6			0.2			24.3			3.9			0.0			3.8
Business taxes	(minus)		19		2.6			0.0			2.6			0.0			(0.0	)		0.0
Pre-provision profit	(1-15)		20		52.1			3.1			48.9			7.1			(1.2	)		8.3
<Excluding net bond related profit>	(20-13)		21		<32.8>			<(8.9)>			<41.7>			<7.1>			<(1.2)>			<8.3>
Provision for general allowance for credit losses	(minus)		22		—			1.1			(1.1	)		—			—			—
Net operating profit before trust account creditcosts	(20-22)		23		52.1			2.0			50.1			7.1			(1.2	)		8.3
Trust account credit costs	(minus)		24		—			(2.2	)		2.2			—			—			—
Net operating profit	(20-22-24)		25		52.1			4.2			47.8			7.1			(1.2	)		8.3
Net other profit			26		(9.8	)		8.7			(18.5	)		(1.2	)		0.2			(1.5	)
Net stock related profit			27		1.5			(2.0	)		3.5			—			—			—
Losses on devaluation of stock			28		(1.3	)		(0.2	)		(1.1	)		—			—			—
Banking account credit costs	(minus)		29		0.8			(9.0	)		9.9			—			—			—
Ordinary profit			30		42.3			13.0			29.2			5.8			(1.0	)		6.8
Extraordinary profit			31		5.8			4.3			1.4			(0.2	)		(0.2	)		(0.0	)
Reversal of allowance for loan losses			32		6.9			6.9			—			—			—			—
Net income before income tax			33		48.1			17.4			30.7			5.5			(1.2	)		6.8
Income taxes-current	(minus)		34		0.0			(0.0	)		0.0			2.5			(0.7	)		3.3
Income taxes-deferred	(minus)		35		15.0			5.1			9.9			(0.2	)		0.2			(0.5	)
Net income			36		33.0			12.3			20.7			3.3			(0.7	)		4.0
Credit costs	(22+24+29-32) (minus)		37		(6.1	)		(17.1	)		11.0			—			—			—

- 3 -

Chuo Mitsui Trust Holdings, Inc.

3. Capital Adequacy Ratio [Domestic Standard] [Preliminary]

(1) CMTH, Consolidated

			(Billions of yen, %)
	No.		End-Sep. 2010 (A)		(A-B)			(A-C)			End-Mar. 2010 (B)		End-Sep.  2009 (C)
Total capital		1		1,068.9		30.3			74.8			1,038.6		994.1
Tier1		2		775.4		33.0			63.3			742.4		712.0
Risk-weighted assets		3		7,116.9		(409.0	)		(944.5	)		7,526.0		8,061.5
Capital adequacy ratio		4		15.02		1.22			2.69			13.80		12.33
Tier 1 ratio		5		10.89		1.03			2.06			9.86		8.83

(2) CMTB, Non-consolidated

			(Billions of yen , %)
	No.		End-Sep.  2010 (A)		(A-B)			(A-C)			End-Mar. 2010 (B)		End-Sep.  2009 (C)
Total capital		6		1,007.7		40.5			95.6			967.1		912.0
Tier1		7		718.1		43.8			85.3			674.3		632.7
Risk-weighted assets		8		7,015.6		(399.3	)		(906.5	)		7,414.9		7,922.2
Capital adequacy ratio		9		14.36		1.32			2.85			13.04		11.51
Tier 1 ratio		10		10.23		1.14			2.25			9.09		7.98

(3) CMAB, Non-consolidated

			(Billions of ye n, %)
	No.		End-Sep.  2010 (A)		(A-B)			(A-C)			End-Mar. 2010 (B)		End-Sep.  2009 (C)
Total capital		11		38.5		3.3			(0.4	)		35.2		39.0
Tier1		12		38.5		3.3			(0.4	)		35.2		39.0
Risk-weighted assets		13		116.1		(3.7	)		(8.3	)		119.8		124.5
Capital adequacy ratio		14		33.22		3.80			1.85			29.42		31.37
Tier 1 ratio		15		33.22		3.80			1.85			29.42		31.37

<Methods used to calculate risk weighted assets>

	CMTH Consolidated	CMTB Non-consolidated	CMAB Non-consolidated
Credit risks	Foundation Internal	Foundation Internal	Standardized
	Ratings Based Approach	Ratings Based Approach	Approach
Operational risks	Standardized	Standardized	Standardized
	Approach	Approach	Approach

- 4 -

Chuo Mitsui Trust Holdings, Inc.

II Status of Profit and Loss, Assets

1. Status of Profit and Loss

(1) Factors of Increase/Decrease in Gross Operating Profit [Sum of two bank subsidiaries]

(2) Recomposition of Revenue Structure

- 5 -

Chuo Mitsui Trust Holdings, Inc.

(3) Factors of Increase/Decrease in Net Income [Sum of two bank subsidiaries]

- 6 -

Chuo Mitsui Trust Holdings, Inc.

(4) States of Priority Segments

 Investment Trust and Insurance

Investment trust and insurance rerated income

Sales amount of Investment trust and insurance

	(Billions of yen)
	End-Sep. 2008		End-Mar. 2009		End-Sep. 2009		End-Mar. 2010		End-Sep. 2010
Balance of insurance (Ending balance)		1,242.1		1,096.2		1,266.7		1,323.1		1,301.8
Balance of Investment trust (Ending balance)		1,177.7		919.7		1,049.8		1,109.7		1,052.9
Total		2,419.8		2,015.9		2,316.6		2,432.9		2,354.7

‚ Real Estate

Real estate income

	(Number, Billions of yen)
	1H.FY 2008		2H.FY 2008		1H.FY 2009		2H.FY 2009		1H.FY 2010
Number of brokerage contract*		95		64		72		108		104
Balance of securitized real estate (Ending balance)		5,250.7		5,180.5		5,123.4		5,057.8		4,900.9

* Including brokerage of real estate trust beneficiary rights

- 7 -

Chuo Mitsui Trust Holdings, Inc.

ƒ Loans to Individuals

Balance of loans to individuals

* Balance after housing loan securitization. No securitization of housing loans since FY2006

	(Billions of yen)
	1H. FY2008		1H. FY2009		1H. FY2010
New housing loan origination		360.9		412.6		112.1

- 8 -

Chuo Mitsui Trust Holdings, Inc.

2. Status of Assets

(1) Status of Loan Portfolio

Status of Credit Costs

*1 CMTB non-consolidated        *2 Annualized rate

‚Loans by industry

* Managerial accounting-basis, CMTB non-consolidated. Balance at year end, post-securitization.

- 9 -

Chuo Mitsui Trust Holdings, Inc.

(2) Status of Securities Portfolio

Available-for-sale securities

(CMTH <Consolidated>)		(Billions of yen)
		End-Sep.2010 (a)								End-Mar.2010 (b)					Change (a-b)
		Acquisition Cost		Unrealized Gains/Losses			Unrealized Gains/ Losses ratio			Acquisition Cost		Unrealized Gains/Losses			Acquisition Cost			Unrealized Gains/Losses
Available-for-sale securities			3,562.3		18.5			0.5	%		3,592.2		47.0			(29.8	)		(28.4	)
Japanese Stocks			461.0		17.4			3.7	%		474.9		73.0			(13.9	)		(55.5	)
Japanese Bonds			1,947.3		0.0			0.0	%		1,910.7		(3.6	)		36.6			3.7
Others			1,154.0		1.0			0.0	%		1,206.5		(22.3	)		(52.5	)		23.3
(CMTB <Non-consolidated>)		(Billions of yen)
		End-Sep.2010 (a)								End-Mar.2010 (b)					Change (a-b)
		Acquisition Cost		Unrealized Gains/Losses			Unrealized Gains/ Losses ratio			Acquisition Cost		Unrealized Gains/Losses			Acquisition Cost			Unrealized Gains/Losses
Available-for-sale securities			3,399.2		6.9			0.2	%		3,428.2		29.2			(28.9	)		(22.3	)
Japanese Stocks			401.1		1.6			0.4	%		414.3		51.4			(13.2	)		(49.7	)
Japanese Bonds			1,858.3		0.1			0.0	%		1,821.7		(3.6	)		36.6			3.7
Others			1,139.7		5.1			0.4	%		1,192.0		(18.5	)		(52.2	)		23.6
(Breakdown of the “Others” of available-for-sale securities)							(Billions of yen)
		End-Sep.2010 (a)								End-Mar.2010 (b)					Change (a-b)
		Acquisition Cost		Unrealized Gains/Losses			Unrealized Gains/ Losses ratio			Acquisition Cost		Unrealized Gains/Losses			Acquisition Cost			Unrealized Gains/Losses
Foreign government bonds			460.4		8.3			1.8	%		557.2		(5.1	)		(96.7	)		13.4
US agency MBS			[Note] 305.5		8.4			2.7	%		260.3		(1.1	)		45.2			9.5
Overseas Investment			231.6		(4.2	)		(1.8	)%		228.0		(3.1	)		3.6			(1.0	)
(Excluding foreign government bonds, US agency MBS)
CDO	(ø1)		—		—			—			10.0		—			(10.0	)		—
Investment trust (bond funds)	(ø2)		5.0		0.0			1.3	%		5.0		(0.0	)		—			0.1
Investment trust (credit funds)	(ø3)		24.9		(0.3	)		(1.4	)%		24.9		(0.2	)		—			(0.0	)
Investment trust (equity funds, etc.)	(ø4)		12.1		(1.8	)		(15.1	)%		12.5		(1.8	)		(0.4	)		0.0
Other foreign bonds, etc.	(ø5)		189.5		(2.1	)		(1.1	)%		175.4		(0.9	)		14.0			(1.1	)
Japanese stock related investment	(ø6)		31.3		(5.3	)		(17.0	)%		35.3		(4.7	)		(4.0	)		(0.5	)
RMBS	(ø7)		6.0		(0.0	)		(1.2	)%		6.6		(0.1	)		(0.5	)		0.0
Others	(ø8)		104.8		(1.9	)		(1.8	)%		104.5		(4.1	)		0.2			2.2

(ø1)	Managed synthetic CDO	(ø5)	Overseas corporate bonds, etc.
(ø2)	Funds related to public and corporate bonds, domestic and foreign	(ø6)	Long-short funds related to Japanese stocks, etc.
(ø3)	Funds related to bank loans toward US companies	(ø7)	ABS securitizing the domestic housing loans
(ø4)	Market neutral funds of US equities, etc	(ø8)	Credit linked note reference to domestic companies, etc.
[Note] Constituted by GNMA only.

‚Held-to-maturity securities

(CMTH <Consolidated>)		(Billions of yen)
		End-Sep.2010 (a)								End-Mar.2010 (b)					Change (a-b)
		Acquisition Cost		Unrealized Gains/ Losses			Unrealized Gains/ Losses ratio			Acquisition Cost		Unrealized Gains/ Losses			Acquisition Cost			Unrealized Gains/ Losses
Held-to-maturity securities			314.5		(0.3	)		(0.1	)%		721.0		(0.2	)		(406.5	)		(0.0	)
(CMTB <Non-consolidated>)		(Billions of yen)
		End-Sep.2010 (a)								End-Mar.2010 (b)					Change (a-b)
		Acquisition Cost		Unrealized Gains/ Losses			Unrealized Gains/ Losses ratio			Acquisition Cost		Unrealized Gains/ Losses			Acquisition Cost			Unrealized Gains/ Losses
Held-to-maturity securities			314.4		(0.3	)		(0.1	)%		720.9		(0.2	)		(406.5	)		(0.0	)
(Breakdown of the held-to-maturity securities)		(Billions of yen)
		End-Sep.2010 (a)								End-Mar.2010 (b)					Change (a-b)
		Acquisition Cost		Unrealized Gains/ Losses			Unrealized Gains/ Losses ratio			Acquisition Cost		Unrealized Gains/ Losses			Acquisition Cost			Unrealized Gains/ Losses
Japanese government bonds			—		—			—			399.1		2.2			(399.1	)		(2.2	)
RMBS	(ø9)		78.3		1.5			2.0	%		83.6		0.1			(5.2	)		1.4
Overseas Investments			233.0		(1.9	)		(0.8	)%		235.1		(2.7	)		(2.1	)		0.8
Foreign bonds	(ø10)		233.0		(1.9	)		(0.8	)%		235.1		(2.7	)		(2.1	)		0.8
Others			3.0		0.0			1.9	%		3.0		0.0			—			—

(ø9) ABS securitizing the domestic housing loans

(ø10) Overseas corporate bonds

(Reference) Overseas Investments and Loans of which market values are not available.

(Loans, securities, acceptances and guarantees)	(Billions of yen)
	End-Sep.2010 (a) outstanding		End-Mar.2010 (b) outstanding		Change (a-b)
Total		82.4		95.7		(13.3	)
Corporate loans		75.8		88.8		(13.0	)
Securities of unlisted companies		6.5		6.8		(0.3	)
Acceptance and guarantees (corporate)		0.0		0.0		(0.0	)

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Chuo Mitsui Trust Holdings, Inc.

III Outlook for FY2010

(1) CMTH, Non-consolidated

	(Billions of yen)
			FY2010
	No.		1H FY2010 Actual		Outlook		Change from FY2009		FY2009
Operating income		1		20.5		22.0		8.3		13.6
Operating profit		2		15.2		12.0		8.8		3.1
Ordinary profit		3		13.3		10.0		7.7		2.2
Net income		4		13.0		9.0		6.1		2.8
Dividends per share: Common stock		5		4.00 yen		8.00 yen		—		8.00 yen

(2) CMTH, Consolidated

	(Billions of yen)
			FY2010
	No.		1H FY2010 Actual		Outlook		Change from FY2009			FY2009
Operating income		6		179.2		360.0		(5.5	)		365.5
Ordinary profit		7		50.1		90.0		6.5			83.4
Net income		8		32.0		50.0		3.1			46.8

(3) CMTB+CMAB, Non-consolidated

	(Billions of yen)
			FY2010
	No.		1H FY2010 Actual			Outlook*		Change from FY2009		FY2009
Pre-provision profit		9		59.3			115.0		6.0		108.9
Ordinary profit		10		48.1			90.0		4.9		85.0
Net income		11		36.4			60.0		2.3		57.6
Credit costs (minus)		12		(6.1	)		10.0		2.4		7.5

Please refer to Page 39 for earnings outlook of each bank.

* Revision of the outlook : none

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Chuo Mitsui Trust Holdings, Inc.

Reference Data

I Summary of Business Results for First Half FY2010

1. Summary of Profit and Loss

(1) CMTH, Non-consolidated

		(Millions of yen)
		No.		1H FY2010			Change			1H FY2009
Operating income			1		20,512			8,969			11,543
Operating profit			2		15,230			9,104			6,126
Ordinary profit			3		13,315			7,230			6,084
Net income			4		13,031			6,958			6,073
(2) CMTH, Consolidated
		(Millions of yen)
		No.		1H FY2010			Change			1H FY2009
Consolidated gross operating profit	[Note]		5		126,475			(813	)		127,288
<Consolidated gross operating profit after trust account credit costs>	(5-18)		6		<126,475>			<1,455>			<125,020>
Banking business related profit			7		54,426			(11,214	)		65,641
Net interest income			8		50,289			(5,731	)		56,020
Fees on loan trusts and JOMTs before trust account credit costs			9		4,137			(5,483	)		9,620
Asset management business profit			10		51,879			2,805			49,073
Net fees and commissions			11		32,643			2,761			29,882
Trust fees			12		19,235			44			19,191
Net trading profit			13		1,453			527			926
Net other operating profit			14		18,715			7,068			11,647
Operating expenses	(minus)		15		62,460			(3,475	)		65,936
Consolidated pre-provision profit	(5-15) [Note]		16		64,014			2,662			61,351
Provision for general allowance for credit losses	(minus)		17		—			741			(741	)
Trust account credit costs	(minus)		18		—			(2,268	)		2,268
Consolidated net operating profit	(16-17-18)		19		64,014			4,189			59,824
Credit costs	(minus)		20		1,735			(10,520	)		12,255
Net stock related profit			21		1,825			(1,731	)		3,556
Losses on devaluation of stocks			22		(1,419	)		(269	)		(1,150	)
Profit from investment in equity method affiliates			23		258			1,037			(779	)
Other			24		(14,258	)		1,696			(15,954	)
Ordinary profit			25		50,104			15,712			34,392
Extraordinary profit			26		4,728			3,017			1,711
Reversal of allowance for loan losses			27		5,815			5,815			—
Net income before income tax			28		54,833			18,729			36,104
Income taxes-current	(minus)		29		3,621			(561	)		4,182
Income taxes-deferred	(minus)		30		15,175			6,158			9,016
Minority interests in net income	(minus)		31		3,965			149			3,815
Net income			32		32,071			12,983			19,088

[Note]

Consolidated gross operating profit : Banking business related profit + Asset management business profit + Net trading profit + Net other operating profit

Consolidated pre-provision profit : Sum of pre-provision profit of CMTB and CMAB + net of gross operating profit and operating expenses of other consolidated subsidiaries - consolidation adjustments (elimination of internal transaction, etc.)

<Reference>

Credit costs	(17+18+20-27)    (minus)	33		(4,080	)		(17,862	)		13,782
Number of Consolidated Subsidiaries and Affiliates			End-Sep.2010			Change			End-Sep.2009
Consolidated subsidiaries		34		25			1			24
Equity method affiliates		35		4			—			4

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Chuo Mitsui Trust Holdings, Inc.

(3) Summary of Profit and Loss of Two Bank Subsidiaries (Non-consolidated)

		(Millions of yen)
				CMTB+CMAB
		No.		1H FY2010			Change			1H FY2009
Gross operating profit			1		115,677			(618	)		116,295
<Gross operating profit after trust account credit costs>	(1-24)		2		<115,677>			<1,650>			<114,027>
Banking business related profit			3		53,504			(11,274	)		64,778
Net interest income			4		49,367			(5,790	)		55,158
Domestic			5		39,324			(5,092	)		44,417
International			6		10,043			(697	)		10,740
Fees on loan trusts and JOMTs before trust account credit costs			7		4,137			(5,483	)		9,620
Asset management business profit			8		42,003			3,060			38,942
Net fees and commissions			9		22,755			3,015			19,739
Trust fees			10		19,248			45			19,203
Net trading profit			11		1,453			527			926
Net other operating profit			12		18,715			7,067			11,647
Net bond related profit			13		19,318			12,112			7,206
Profit on derivatives			14		(592	)		(3,122	)		2,530
Operating expenses	(minus)		15		56,375			(2,588	)		58,963
Personnel related costs	(minus)		16		25,042			(2,982	)		28,025
Net periodic retirement benefit costs	(minus)		17		(1,261	)		(3,426	)		2,165
Non-personnel related costs	(minus)		18		28,605			378			28,226
Business taxes	(minus)		19		2,727			15			2,711
Pre-provision profit	(1-15)		20		59,301			1,970			57,331
<Excluding net bond related profit>	(20-13)		21		< 39,983>			<(10,141	)>		< 50,125>
Provision for general allowance for credit losses	(minus)		22		—			1,178			(1,178	)
Net operating profit before trust account credit costs	(20-22)		23		59,301			792			58,509
Trust account credit costs	(minus)		24		—			(2,268	)		2,268
Net operating profit	(20-22-24)		25		59,301			3,060			56,241
Net other profit			26		(11,102	)		9,000			(20,103	)
Net stock related profit			27		1,568			(2,015	)		3,583
Losses on devaluation of stocks			28		(1,363	)		(219	)		(1,143	)
Banking account credit costs	(minus)		29		877			(9,056	)		9,933
Ordinary profit			30		48,198			12,061			36,137
Extraordinary profit			31		5,558			4,105			1,452
Reversal of allowance for loan losses			32		6,982			6,982			—
Net income before income tax			33		53,757			16,167			37,590
Income taxes-current	(minus)		34		2,635			(802	)		3,437
Income taxes-deferred	(minus)		35		14,703			5,360			9,342
Net income			36		36,418			11,608			24,809
Credit costs	(22+24+29-32) (minus)		37		(6,105	)		(17,129	)		11,023

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Chuo Mitsui Trust Holdings, Inc.

<Reference>

				(Millions of yen)
				CMTB, Non-consolidated									CMAB, Non-consolidated
		No.		1H FY2010			Change			1H FY2009			1H FY2010			Change			1H FY2009
Gross operating profit			1		100,867			788			100,079			14,809			(1,406	)		16,216
<Gross operating profit after trust account credit costs>	(1-24)		2		<100,867>			<3,057>			<97,810>			<14,809>			<(1,406)>			<16,216>
Banking business related profit			3		53,499			(11,253	)		64,752			5			(20	)		26
Net interest income			4		49,362			(5,769	)		55,132			5			(20	)		26
Domestic			5		39,319			(5,071	)		44,391			5			(20	)		26
International			6		10,043			(697	)		10,740			—			—			—
Fees on loan trusts and JOMTs before trust account credit costs			7		4,137			(5,483	)		9,620			—			—			—
Asset management business profit			8		27,199			4,447			22,752			14,804			(1,386	)		16,190
Net fees and commissions			9		25,465			4,472			20,993			(2,710	)		(1,456	)		(1,253	)
Trust fees			10		1,734			(25	)		1,759			17,514			70			17,443
Net trading profit			11		1,453			527			926			—			—			—
Net other operating profit			12		18,715			7,067			11,647			—			—			—
Net bond related profit			13		19,318			12,112			7,206			—			—			—
Profit on derivatives			14		(592	)		(3,122	)		2,530			—			—			—
Operating expenses	(minus)		15		48,734			(2,401	)		51,136			7,640			(186	)		7,827
Personnel related costs	(minus)		16		21,453			(2,717	)		24,170			3,589			(265	)		3,854
Net periodic retirement benefit costs	(minus)		17		(1,243	)		(3,004	)		1,761			(17	)		(422	)		404
Non-personnel related costs	(minus)		18		24,626			290			24,336			3,978			88			3,890
Business taxes	(minus)		19		2,654			25			2,628			73			(9	)		82
Pre-provision profit	(1-15)		20		52,133			3,190			48,942			7,168			(1,220	)		8,388
<Excluding net bond related profit>	(20-13)		21		< 32,814>			<(8,921)>			<41,736>			< 7,168>			<(1,220)>			< 8,388>
Provision for general allowance for credit losses	(minus)		22		—			1,178			(1,178	)		—			—			—
Net operating profit before trust account credit costs	(20-22)		23		52,133			2,012			50,120			7,168			(1,220	)		8,388
Trust account credit costs	(minus)		24		—			(2,268	)		2,268			—			—			—
Net operating profit	(20-22-24)		25		52,133			4,280			47,852			7,168			(1,220	)		8,388
Net other profit			26		(9,811	)		8,781			(18,593	)		(1,290	)		219			(1,510	)
Net stock related profit			27		1,568			(2,015	)		3,583			—			—			—
Losses on devaluation of stocks			28		(1,363	)		(219	)		(1,143	)		—			—			—
Banking account credit costs	(minus)		29		877			(9,056	)		9,933			—			—			—
Ordinary profit			30		42,321			13,062			29,259			5,877			(1,000	)		6,878
Extraordinary profit			31		5,850			4,397			1,452			(292	)		(291	)		(0	)
Reversal of allowance for loan losses			32		6,982			6,982			—			—			—			—
Net income before income tax			33		48,171			17,459			30,712			5,585			(1,292	)		6,877
Income taxes-current	(minus)		34		80			(13	)		94			2,554			(788	)		3,342
Income taxes-deferred	(minus)		35		15,000			5,100			9,900			(296	)		260			(557	)
Net income			36		33,090			12,373			20,717			3,327			(764	)		4,092
Credit costs	(22+24+29-32) (minus)		37		(6,105	)		(17,129	)		11,023			—			—			—

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Chuo Mitsui Trust Holdings, Inc.

2. Pre-Provision Profit per Employee

CMTB+CMAB, Non-consolidated		(Millions of yen)
		No.		1H FY2010		Change			1H FY2009
Gross operating profit			1		115,677		(618	)		116,295
Per employee (Thousands of yen)			2		24,941		(511	)		25,453
Operating expenses			3		56,375		(2,588	)		58,963
Per employee (Thousands of yen)			4		12,155		(750	)		12,905
Pre-provision profit	(1-3)		5		59,301		1,970			57,331
Per employee (Thousands of yen)	(2-4)		6		12,786		238			12,547

Employees include executive officers (who are not board members), and exclude temporary staff, employees temporarily transferred from other companies, and transferred staff to other companies.

3. Yields and Margins

(1) Domestic Banking Account

CMTB, Non-consolidated		(%)
		No.		1H FY2010		Change			1H FY2009
Average yield on interest-earning assets			7		1.14		(0.07	)		1.22
Loans and bills discounted			8		1.36		(0.16	)		1.52
Securities			9		0.80		0.04			0.75
Average yield on interest-bearing liabilities			10		0.48		(0.03	)		0.51
Deposits			11		0.47		(0.05	)		0.53
Gross margin	(7-10)		12		0.66		(0.04	)		0.71
Loan to deposits margin	(8-11)		13		0.88		(0.10	)		0.98

(2) Domestic Banking Account + JOMTs + Loan Trusts

CMTB, Non-consolidated			(%)
			No.		1H FY2010		Change			1H FY2009
Average yield on interest-earning assets				14		1.10		(0.11	)		1.21
Loans and bills discounted				15		1.35		(0.20	)		1.56
Securities				16		0.80		0.04			0.75
Average yield on interest-bearing liabilities				17		0.44		(0.03	)		0.47
Deposits				18		0.42		(0.05	)		0.48
Gross margin	(14-17)			19		0.65		(0.08	)		0.74
Loan to deposits margin	(15-18	)		20		0.93		(0.15	)		1.08

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Chuo Mitsui Trust Holdings, Inc.

4. Gains (Losses) on Securities

(1) Gains (Losses) on Bonds

CMTB, Non-consolidated	(Millions of yen)
	1H FY2010		Change			1H FY2009
Gains (losses) on bonds		19,318		12,112			7,206
Gains on sales		23,500		12,971			10,528
Gains on redemption		—		—			—
Losses on sales		4,182		859			3,322
Losses on redemption		—		—			—
Losses on devaluation		—		—			—
CMTH, Consolidated	(Millions of yen)
	1H FY2010		Change			1H FY2009
Gains (losses) on bonds		19,318		12,112			7,206
Gains on sales		23,500		12,971			10,528
Gains on redemption		—		—			—
Losses on sales		4,182		859			3,322
Losses on redemption		—		—			—
Losses on devaluation		—		—			—
(2) Gains (Losses) on Stocks
CMTB, Non-consolidated	(Millions of yen)
	1H FY2010		Change			1H FY2009
Gains (losses) on stocks		1,568		(2,015	)		3,583
Gains on sales		3,195		(2,118	)		5,314
Losses on sales		263		(323	)		586
Losses on devaluation		1,363		219			1,143
CMTH, Consolidated	(Millions of yen)
	1H FY2010		Change			1H FY2009
Gains (losses) on stocks		1,825		(1,731	)		3,556
Gains on sales		3,526		(1,787	)		5,314
Losses on sales		281		(325	)		606
Losses on devaluation		1,419		269			1,150

- 16 -

Chuo Mitsui Trust Holdings, Inc.

5. Unrealized Gains (Losses) on Securities

Unrealized Gains (Losses) of market value available securities

CMTB, Non-consolidated	(Millions of yen)
	End-Sep.2010									End-Mar.2010									Change
	Acquisition cost		Net unrealized gains (losses)							Acquisition cost		Net unrealized gains (losses)							Acquisition cost			Net unrealized gains (losses)
	(A)		(B)			Gains		Losses		(C)		(D)			Gains		Losses		(A-C)			(B-D)
Available-for-sale		3,399,294		6,910			83,682		76,772		3,428,230		29,251			104,995		75,743		(28,936	)		(22,341	)
Stocks		401,113		1,682			55,773		54,091		414,379		51,452			92,186		40,733		(13,266	)		(49,770	)
Bonds		1,858,389		102			8,726		8,624		1,821,768		(3,637	)		9,911		13,549		36,621			3,740
Others		1,139,791		5,126			19,182		14,056		1,192,082		(18,563	)		2,897		21,460		(52,290	)		23,689
Held-to-maturity bonds		314,433		(335	)		1,870		2,206		720,946		(296	)		3,263		3,559		(406,512	)		(39	)

	(Millions of yen)
	End-Sep.2009									Change
	Acquisition cost		Net unrealized gains (losses)							Acquisition cost			Net unrealized gains (losses)
	(E)		(F)			Gains		Losses		(A-E)			(B-F)
Available-for-sale		3,254,525		43,788			112,279		68,491		144,769			(36,877	)
Stocks		427,943		64,319			99,012		34,692		(26,829	)		(62,637	)
Bonds		1,792,468		(3,751	)		10,183		13,934		65,921			3,853
Others		1,034,113		(16,780	)		3,084		19,864		105,677			21,906
Held-to-maturity bonds		920,970		(2,117	)		5,738		7,856		(606,537	)		1,782

CMTH, Consolidated	(Millions of yen)
	End-Sep.2010									End-Mar.2010									Change
	Acquisition cost		Net unrealized gains (losses)							Acquisition cost		Net unrealized gains (losses)							Acquisition cost			Net unrealized gains (losses)
	(A)		(B)			Gains		Losses		(C)		(D)			Gains		Losses		(A-C)			(B-D)
Available-for-sale		3,562,376		18,594			105,583		86,988		3,592,272		47,044			130,835		83,791		(29,896	)		(28,449	)
Stocks		461,009		17,437			77,545		60,107		474,967		73,006			118,025		45,019		(13,958	)		(55,568	)
Bonds		1,947,363		98			8,727		8,628		1,910,748		(3,648	)		9,912		13,561		36,614			3,747
Others		1,154,003		1,058			19,310		18,252		1,206,556		(22,313	)		2,897		25,210		(52,552	)		23,371
Held-to-maturity bonds		314,569		(334	)		1,871		2,206		721,082		(294	)		3,264		3,559		(406,513	)		(39	)

	(Millions of yen)
	End-Sep.2009									Change
	Acquisition cost		Net unrealized gains (losses)							Acquisition cost			Net unrealized gains (losses)
	(E)		(F)			Gains		Losses		(A-E)			(B-F)
Available-for-sale		3,420,222		66,135			142,681		76,545		142,153			(47,540	)
Stocks		489,938		90,208			128,765		38,557		(28,929	)		(72,770	)
Bonds		1,881,427		(3,746	)		10,192		13,938		65,935			3,844
Others		1,048,855		(20,326	)		3,723		24,050		105,147			21,384
Held-to-maturity bonds		921,106		(2,116	)		5,739		7,856		(606,537	)		1,782

<Evaluation method of securities>

 For Securities

Trading securities	Fair value method (net valuation gains (losses) are recognized in profit and loss statement)
Held-to-maturity securities	Amortized cost method
Available-for-sale securities	Fair value method (net valuation gains (losses) are directly included in net assets) [Note]
Stocks of subsidiaries and affiliates	Cost method

[Note] Evaluation of Available-for-sale securities

Values of stocks and investment trusts with market values are determined on the basis of the 1-month-average of their daily closing prices during the closing month of each period.

Regarding floating-rate government bonds with market price, as a result of reviewing the current market conditions, we have determined that their market price, since end of September 2008, cannot be deemed as fair value, and some of floating-rate government bonds have been valued based on price which was reasonably estimated.

From end of March 2010, Accounting Standard for Financial Instruments (ASBJ Statement No.10 March 10, 2008) and Guidance on Disclosures about Fair Value of Financial Instruments (ASBJ Guidance No.19 March 10, 2008) are applied. Securities of which it is extremely difficult to measure the fair value are not included in above tables.

- 17 -

Chuo Mitsui Trust Holdings, Inc.

<Devaluation>

CMTB, Non-consolidated	(Millions of yen)
	1H FY2010		Change			1H FY2009
Held-to-maturity bonds		—		—			—
Stocks of subsidiaries and affiliates		—		—			—
Available-for-sale		1,363		219			1,143
Stocks		1,350		378			972
Bonds		—		—			—
Others		12		(158	)		170
Total		1,363		219			1,143
CMTH, Consolidated	(Millions of yen)
	1H FY2010		Change			1H FY2009
Held-to-maturity bonds		—		—			—
Available-for-sale		1,419		269			1,150
Stocks		1,407		427			979
Bonds		—		—			—
Others		12		(158	)		170
Total		1,419		269			1,150

<Standard for Devaluation>

Decline in fair value compare to acquisition cost:

- More than 50%	All securities
- Between 30 - 50%	All securities of companies classified as caution borrowers or below
	Securities of companies other than the above with no possibility of price recovery
- Less than 30%	All securities of companies classified as possible bankruptcy or below

6. Redemption Schedule of Available-for-Sale Securities with Maturities and Held-to-Maturity Securities

CMTB, Non-consolidated	(Millions of yen)
	End-Sep.2010
	Due within 1 year		Due after 1 year through 3 years		Due after 3 year through 5 years		Due after 5 year through 7 years		Due after 7 year through 10 years		Due after 10 years
Bonds		124,405		613,385		331,820		135,062		520,535		155,835
Japanese government bonds		100,510		498,481		252,165		110,889		516,667		117,465
Japanese municipal bonds		50		—		156		—		—		—
Japanese corporate bonds		23,845		114,904		79,498		24,173		3,868		38,370
Others		101,189		330,207		318,673		285,396		62,874		328,950
Total		225,595		943,592		650,493		420,459		583,409		484,785
CMTH, Consolidated	(Millions of yen)
	End-Sep.2010
	Due within 1 year		Due after 1 year through 3 years		Due after 3 year through 5 years		Due after 5 year through 7 years		Due after 7 year through 10 years		Due after 10 years
Bonds		213,405		613,520		331,820		135,062		520,535		155,835
Japanese government bonds		189,510		498,616		252,165		110,889		516,667		117,465
Japanese municipal bonds		50		—		156		—		—		—
Japanese corporate bonds		23,845		114,904		79,498		24,173		3,868		38,370
Others		101,189		330,212		318,927		285,579		62,874		328,950
Total		314,595		943,732		650,747		420,642		583,409		484,785

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Chuo Mitsui Trust Holdings, Inc.

7. Deferred Unrealized Gains(Losses) on Hedge Accounting Applied Delivative Transaction

CMTB, Non-consolidated	(Millions of yen)
	End-Sep.2010									End-Mar.2010 (B)			End-Sep.2009 (C)
	(A)			(A-B)			(A-C)
Interest rate related transactions		4,782			3,125			4,791			1,657			(8	)
Interest rate swaps		4,782			3,125			4,791			1,657			(8	)
Currency related transactions		(25	)		(274	)		(128	)		249			103
Bond related transactions		(1,117	)		(1,102	)		(1,200	)		(14	)		83
Total		3,639			1,748			3,462			1,891			177

CMTH, Consolidated	(Millions of yen)
	End-Sep.2010									End-Mar.2010 (B)			End-Sep.2009 (C)
	(A)			(A-B)			(A-C)
Interest rate related transactions		4,782			3,125			4,791			1,657			(8	)
Interest rate swaps		4,782			3,125			4,791			1,657			(8	)
Currency related transactions		1,140			77			141			1,062			999
Bond related transactions		(1,117	)		(1,102	)		(1,200	)		(14	)		83
Total		4,805			2,100			3,732			2,705			1,073

<< Reference >> Contract Amount of Interest Rate Swaps (on Hedge Accounting Applied), Classified by Maturity

CMTB, Non-consolidated	(Billions of yen)
	End-Sep.2010								End-Mar.2010
	1 year or less		More than 1 year to 5 years		More than 5 years		Total		1 year or less		More than 1 year to 5 years		More than 5 years		Total
Receivable fixed rate /payable floating rate		—		126.1		100.0		226.1		85.0		62.5		170.6		318.1
Receivable floating rate /payable fixed rate		—		—		100.0		100.0		—		—		100.0		100.0
Receivable floating rate /payable floating rate		—		—		—		—		—		—		—		—
Total		—		126.1		200.0		326.1		85.0		62.5		270.6		418.1

	(Billions of yen)
	End-Sep.2009
	1 year or less		More than 1 year to 5 years		More than 5 years		Total
Receivable fixed rate /payable floating rate		375.0		22.5		208.8		606.3
Receivable floating rate /payable fixed rate		—		—		100.0		100.0
Receivable floating rate /payable floating rate		—		—		—		—
Total		375.0		22.5		308.8		706.3

- 19 -

Chuo Mitsui Trust Holdings, Inc.

8. Capital Adequacy Ratio [Domestic Standard] [Preliminary]

(1) CMTH, Consolidated

			(Millions of yen, %)
					End-Sep.2010								End-Mar.2010 (B)		End-Sep.2009 (C)
			No.		(A)		(A-B)			(A-C)
Total capital	(2+7-9)			1		1,068,995		30,359			74,836			1,038,635		994,159
Tier 1				2		775,485		33,059			63,399			742,425		712,085
Preferred Stocks				3		—		—			—			—		—
Minority interests of consolidated subsidiaries and affiliates				4		187,899		93			201			187,805		187,697
Non-dilutive preferred securities				5		183,500		—			—			183,500		183,500
Amount of deferred tax assets deducted		(minus)		6		—		—			(7,722	)		—		7,722
Tier 2				7		312,241		(7,009	)		749			319,251		311,492
Liability type fundraising means				8		312,241		(7,009	)		748			319,250		311,492
Items for deduction		(minus)		9		18,731		(4,309	)		(10,686	)		23,041		29,418
Risk-weighted assets				10		7,116,993		(409,077	)		(944,592	)		7,526,070		8,061,585
Credit risk-weighted assets amount				11		6,636,771		(385,903	)		(895,812	)		7,022,674		7,532,583
Operational risk equivalents amount				12		480,221		(23,173	)		(48,779	)		503,395		529,001
Capital adequacy ratio	(1÷10)			13		15.02		1.22			2.69			13.80		12.33
Tier 1 ratio	(2÷10)			14		10.89		1.03			2.06			9.86		8.83

(2) CMTB, Consolidated

			(Millions of yen, %)
					End-Sep.2010								End-Mar.2010 (B)		End-Sep.2009 (C)
			No.		(A)		(A-B)			(A-C)
Total capital	(16+17-19)			15		974,429		50,742			103,245			923,687		871,183
Tier 1				16		680,801		53,379			91,764			627,422		589,037
Tier 2				17		312,241		(7,009	)		749			319,251		311,492
Liability type fundraising means				18		312,241		(7,009	)		748			319,250		311,492
Items for deduction		(minus)		19		18,613		(4,372	)		(10,731	)		22,986		29,345
Risk-weighted assets				20		6,935,034		(398,764	)		(922,270	)		7,333,798		7,857,304
Credit risk-weighted assets amount				21		6,564,959		(378,393	)		(876,037	)		6,943,353		7,440,996
Operational risk equivalents amount				22		370,075		(20,370	)		(46,232	)		390,445		416,308
Capital adequacy ratio	(15÷20)			23		14.05		1.46			2.97			12.59		11.08
Tier 1 ratio	(16÷20)			24		9.81		1.26			2.32			8.55		7.49

(3) CMTB, Non-consolidated

			(Millions of yen, %)
					End-Sep.2010								End-Mar.2010 (B)		End-Sep.2009 (C)
			No.		(A)		(A-B)			(A-C)
Total capital	(26+27-29)			25		1,007,754		40,585			95,668			967,168		912,085
Tier 1				26		718,135		43,828			85,337			674,307		632,798
Tier 2				27		312,241		(7,009	)		748			319,250		311,492
Liability type fundraising means				28		312,241		(7,009	)		748			319,250		311,492
Items for deduction		(minus)		29		22,622		(3,766	)		(9,582	)		26,389		32,204
Risk-weighted assets				30		7,015,642		(399,353	)		(906,579	)		7,414,995		7,922,221
Credit risk-weighted assets amount				31		6,671,501		(378,539	)		(863,381	)		7,050,041		7,534,882
Operational risk equivalents amount				32		344,141		(20,813	)		(43,197	)		364,954		387,339
Capital adequacy ratio	(25÷30)			33		14.36		1.32			2.85			13.04		11.51
Tier 1 ratio	(26÷30)			34		10.23		1.14			2.25			9.09		7.98

(4) CMAB, Non-consolidated

			(Millions of yen, %)
					End-Sep.2010								End-Mar.2010 (B)		End-Sep.2009 (C)
			No.		(A)		(A-B)			(A-C)
Total capital	(36+37-39)			35		38,580		3,327			(477	)		35,253		39,058
Tier 1				36		38,580		3,327			(477	)		35,253		39,058
Tier 2				37		—		—			—			—		—
Liability type fundraising means				38		—		—			—			—		—
Items for deduction		(minus)		39		—		—			—			—		—
Risk-weighted assets				40		116,110		(3,716	)		(8,392	)		119,826		124,502
Credit risk-weighted assets amount				41		31,407		80			(1,254	)		31,327		32,661
Operational risk equivalents amount				42		84,702		(3,796	)		(7,138	)		88,498		91,840
Capital adequacy ratio	(35÷40)			43		33.22		3.80			1.85			29.42		31.37
Tier 1 ratio	(36÷40)			44		33.22		3.80			1.85			29.42		31.37

<Methods used to calculate risk weighted assets>

	CMTH Consolidated	CMTB Consolidated	CMTB Non-consolidated	CMAB Non-consolidated
Credit risks	Foundation Internal Ratings Based Approach	Foundation Internal Ratings Based Approach	Foundation Internal Ratings Based Approach	Standardized Approach
Operational risks	Standardized Approach	Standardized Approach	Standardized Approach	Standardized Approach

- 20 -

Chuo Mitsui Trust Holdings, Inc.

9. ROE

CMTB+CMAB, Non-consolidated		(%)
		No.		1H FY2010		Change			1H FY2009
Pre-provision profit base			1		15.9		(0.4	)		16.4
Net operating profit before trust a/c credit cost base			2		15.9		(0.8	)		16.7
Net operating profit base			3		15.9		(0.1	)		16.1
Net income base			4		9.8		2.6			7.1
[Note]
ROE =	Annualized base profit
	Average balance base net assets - average balance base profit
CMTH, Consolidated				(%)
Net income base			5		10.3		3.7			6.5

[Note] Calculation of average balance of net consolidated assets in ROE is based on (net assets at the beginning of the term + net assets at the end of the term) / 2

10. Retirement Benefit Costs

CMTB+CMAB, Non-consolidated		(Millions of yen)
		No.		1H FY2010		Change			1H FY2009
Net periodic retirement benefit costs			6		5,727		(5,455	)		11,182
Service cost			7		1,820		38			1,781
Interest cost			8		1,672		(2	)		1,675
Expected return on plan assets	(minus)		9		4,753		3,462			1,290
Amortization of prior service cost			10		—		—			—
Recognized actuarial loss			11		6,810		(2,091	)		8,902
Others			12		178		63			115

- 21 -

Chuo Mitsui Trust Holdings, Inc.

11. Status of Deferred Tax Assets

(1) Deferred Tax Assets on the Balance Sheet

CMTB, Non-consolidated		(Billions of yen)
End-Sep.2010								End-Mar.2010 (B)		End-Sep.2009 (C)
(A)		(A-B)			(A-C)
	133.0		(7.4	)		(17.4	)		140.4		150.4
CMTH, Consolidated		(Billions of yen)
End-Sep.2010								End-Mar.2010 (B)		End-Sep.2009 (C)
(A)		(A-B)			(A-C)
	139.4		(5.5	)		(12.2	)		144.9		151.6

(2) Basis for Inclusion of Deferred Tax Assets (CMTB: Non-consolidated)

 Basic Policy

To record the deferred tax assets, the amount is calculated pursuant to the practical guideline on assessing the collectability of deferred tax assets issued by JICPA (“Practical Guideline”(*1))

*1 JICPA Auditing Committee Report No. 66 “Auditing Treatment Regarding Judgment of Realizability of Deferred Tax Assets”.

‚ Examples on Practical Guideline, Period for Estimated Future Taxable Income, and Taxable Income for the Past 6 Years

Although there are significant operating loss carryforwards on the tax base, as the loss carryforwards are due to extraordinary factors and temporary factors, “examples (4) proviso” of Practical Guideline is applied.

Period for estimated future taxable income is 5 years, which is allowed to record pursuant to Practical Guideline subject to rational earnings projection.

Taxable Income of the Past 6 Years

(Billions of yen)

FY2003

FY2004

FY2005

FY2006

FY2007

FY2008

FY2009

1H FY2010 (Outlook)

Taxable income

(*2) (253.6)

98.7

74.9

63.0

158.4

(*3) (184.6)

94.8

33.0

*2 Including losses of JPY307.3bn due to extraordinary factors such as acceleration of disposal of non-performing claims under Program for Financial Revival and Emergency Economic Package, intensive sales of cross share holdings pursuant to adoption of regulation limiting stockholdings.

*3 Including temporary losses of JPY164.2bn due to sales on Japanese stock related investments.

ƒ Estimated Amount of Taxable Income before Adjustment of the Next 5 Years

	(Billions of yen)
Projected amount of pre-provision profit used for the estimation (Sum of 5 years)		550.0
Projected amount of net income before taxes used for the estimation (Sum of 5 years)		458.8
Estimated amount of taxable income before adjustments (Sum of 5 years)		515.0

[Note]

Estimated amounts of taxable income before adjustments shown above are calculated conservatively, based on revenue projections of 5 years that address uncertainty in each of these future fiscal years.

„ Major Factors of Deferred Tax Assets and Liabilities

	(Billions of yen)
	End-Sep.2010									End-Mar.2010 (B)			End-Sep.2009 (C)
	(A)			(A-B)			(A-C)
Deferred tax assets (a)		147.4			(14.9	)		(29.5	)		162.3			177.0
Allowance for loan losses		21.7			(3.9	)		(10.0	)		25.6			31.8
Securities taxable devaluation		11.7			(0.2	)		0.7			12.0			10.9
Reserve for retirement benefits		2.5			0.3			2.5			2.2			—
Tax loss carryforwards		136.4			(12.8	)		(29.9	)		149.3			166.4
Unrealized losses on available-for-sale securities		0.4			0.4			0.4			—			—
Others		44.7			(3.3	)		(1.0	)		48.0			45.7
Valuation allowances (Non-booked)		(70.2	)		4.6			7.7			(74.8	)		(78.0	)
Deferred tax liabilities (b)		14.4			(7.4	)		(12.0	)		21.9			26.5
Gain on establishment of retirement benefit trust		8.7			—			—			8.7			8.7
Unrealized gains on available-for-sale securities		—			(8.2	)		(14.1	)		8.2			14.1
Others		5.6			0.7			2.0			4.8			3.6
Net deferred tax assets (a - b)		133.0			(7.4	)		(17.4	)		140.4			150.4

- 22 -

Chuo Mitsui Trust Holdings, Inc.

II Loans

1. Risk-Monitored Loans

CMTB, Non-consolidated

Banking Account		(Millions of yen, %)
		End-Sep.2010																End-Mar.2010				End-Sep.2009
		(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Loans to borrowers in bankruptcy			13,735		0.1		1,113			0.0			(10,531	)		(0.1	)		12,622		0.1		24,266		0.2
Non-accrual loans			52,474		0.5		(23,991	)		(0.2	)		(45,050	)		(0.4	)		76,466		0.8		97,524		1.0
Loans past due three months or more			384		0.0		326			0.0			353			0.0			58		0.0		31		0.0
Restructured loans			23,314		0.2		11,006			0.1			17,123			0.1			12,307		0.1		6,190		0.0
Total			89,908		1.0		(11,545	)		(0.1	)		(38,105	)		(0.3	)		101,454		1.1		128,013		1.4
Partial direct write-offs			24,682				(3,474	)					(6,300	)					28,157				30,983
Total loans			8,865,057		100.0		(73,717	)					(246,265	)					8,938,774		100.0		9,111,322		100.0
Trust Account		(Millions of yen, %)
		End-Sep.2010																End-Mar.2010				End-Sep.2009
		(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Loans to borrowers in bankruptcy			5		0.0		5			0.0			(1	)		(0.0	)		—		0.0		6		0.0
Non-accrual loans			179		0.0		7			0.0			9			0.0			172		0.0		170		0.0
Loans past due three months or more			—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Restructured loans			8,386		3.4		(540	)		(0.0	)		(1,073	)		(0.1	)		8,926		3.5		9,460		3.6
Total			8,572		3.5		(526	)		(0.0	)		(1,065	)		(0.1	)		9,099		3.6		9,638		3.7
Total loans			240,420		100.0		(9,061	)					(19,834	)					249,482		100.0		260,255		100.0
[Note]	In trust account, Loans to borrowers in bankruptcy and Non-accrual loans are directly written off with same standard at banking account. Amount equivalent to direct write-offs and specific allowance for loan losses are as follows:
			91				(2	)					(5	)					94				97
Banking Account + Trust Account		(Millions of yen, %)
		End-Sep.2010																End-Mar.2010				End-Sep.2009
		(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Loans to borrowers in bankruptcy			13,741		0.1		1,118			0.0			(10,532	)		(0.1	)		12,622		0.1		24,273		0.2
Non-accrual loans			52,654		0.5		(23,984	)		(0.2	)		(45,041	)		(0.4	)		76,638		0.8		97,695		1.0
Loans past due three months or more			384		0.0		326			0.0			353			0.0			58		0.0		31		0.0
Restructured loans			31,700		0.3		10,465			0.1			16,049			0.1			21,234		0.2		15,651		0.1
Total			98,481		1.0		(12,072	)		(0.1	)		(39,171	)		(0.3	)		110,553		1.2		137,652		1.4
Total loans			9,105,477		100.0		(82,778	)					(266,100	)					9,188,256		100.0		9,371,577		100.0

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Chuo Mitsui Trust Holdings, Inc.

CMTH, Consolidated

Banking Account	(Millions of yen, %)
	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Loans to borrowers in bankruptcy		14,905		0.1		626			0.0			(11,103	)		(0.1	)		14,278		0.1		26,009		0.2
Non-accrual loans		55,005		0.6		(24,640	)		(0.2	)		(46,240	)		(0.4	)		79,645		0.8		101,245		1.1
Loans past due three months or more		384		0.0		326			0.0			353			0.0			58		0.0		31		0.0
Restructured loans		31,437		0.3		14,533			0.1			24,640			0.2			16,904		0.1		6,797		0.0
Total		101,732		1.1		(9,152	)		(0.0	)		(32,350	)		(0.3	)		110,885		1.2		134,083		1.4
Partial direct write-offs		27,690				(4,802	)					(7,206	)					32,492				34,897
Total loans		8,867,944		100.0		(74,004	)					(247,109	)					8,941,948		100.0		9,115,054		100.0
Trust Account	(Millions of yen, %)
	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Loans to borrowers in bankruptcy		5		0.0		5			0.0			(1	)		(0.0	)		—		0.0		6		0.0
Non-accrual loans		179		0.0		7			0.0			9			0.0			172		0.0		170		0.0
Loans past due three months or more		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Restructured loans		8,386		3.4		(540	)		(0.0	)		(1,073	)		(0.1	)		8,926		3.5		9,460		3.6
Total		8,572		3.5		(526	)		(0.0	)		(1,065	)		(0.1	)		9,099		3.6		9,638		3.7
Total loans		240,420		100.0		(9,061	)					(19,834	)					249,482		100.0		260,255		100.0
Banking Account + Trust Account	(Millions of yen, %)
	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Loans to borrowers in bankruptcy		14,910		0.1		632			0.0			(11,105	)		(0.1	)		14,278		0.1		26,016		0.2
Non-accrual loans		55,185		0.6		(24,632	)		(0.2	)		(46,231	)		(0.4	)		79,817		0.8		101,416		1.0
Loans past due three months or more		384		0.0		326			0.0			353			0.0			58		0.0		31		0.0
Restructured loans		39,824		0.4		13,993			0.1			23,566			0.2			25,831		0.2		16,257		0.1
Total		110,305		1.2		(9,679	)		(0.0	)		(33,416	)		(0.3	)		119,984		1.3		143,721		1.5
Total loans		9,108,364		100.0		(83,065	)					(266,944	)					9,191,430		100.0		9,375,309		100.0

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Chuo Mitsui Trust Holdings, Inc.

<<Reference>> Risk-Monitored Loans by Type of Industry

CMTB, Non-consolidated

Banking Account + Trust Account	(Millions of yen, %)
	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Total domestic (excluding Japan offshore market account)		98,227		100.0		(12,029	)		0.0			(39,122	)		0.0			110,257		100.0		137,350		100.0
Manufacturing		4,464		4.5		1,965			2.2			(1,566	)		0.1			2,498		2.2		6,031		4.3
Agriculture and forestry		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Fishery		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Mining and quarrying of stone and gravel		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Construction (A)		1,716		1.7		(709	)		(0.4	)		(1,818	)		(0.8	)		2,425		2.2		3,535		2.5
Electricity, gas, heat supply and water		231		0.2		—			0.0			(41	)		0.0			231		0.2		272		0.1
Information and communications		3,288		3.3		(9	)		0.3			6			0.9			3,297		2.9		3,282		2.3
Transport and postal activities		646		0.6		(1,003	)		(0.8	)		(1,398	)		(0.8	)		1,650		1.4		2,045		1.4
Wholesale and retail trade		3,602		3.6		(3,176	)		(2.4	)		(3,854	)		(1.7	)		6,778		6.1		7,457		5.4
Finance and insurance (B)		15,320		15.5		202			1.8			(647	)		3.9			15,118		13.7		15,968		11.6
Real estate (C)		29,388		29.9		(15,023	)		(10.3	)		(34,747	)		(16.7	)		44,411		40.2		64,136		46.6
Goods rental and leasing		69		0.0		(19	)		(0.0	)		(19	)		0.0			88		0.0		89		0.0
Local government		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Others		39,498		40.2		5,743			9.5			4,965			15.0			33,755		30.6		34,532		25.1
Japan offshore market account		253				(43	)					(48	)					296				301
Total		98,481				(12,072	)					(39,171	)					110,553				137,652
(A+B+C)		46,426		47.2		(15,530	)		(8.9	)		(37,213	)		(13.6	)		61,956		56.1		83,639		60.8

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Chuo Mitsui Trust Holdings, Inc.

2. Allowance for Loan Losses

CMTB, Non-consolidated

Banking Account	(Millions of yen)
	End-Sep.2010								End-Mar.2010		End-Sep.2009
	(A)		(A-B)			(A-C)			(B)		(C)
General allowance for loan losses		22,741		(3,482	)		(5,096	)		26,223		27,837
Specific allowance for loan losses		16,273		(3,966	)		(13,695	)		20,239		29,968
Loan loss allowances for specific overseas countries		—		(56	)		(75	)		56		75
Total		39,014		(7,505	)		(18,866	)		46,519		57,881
Partial direct write-offs		25,192		(4,035	)		(6,913	)		29,227		32,106
Trust Account	(Millions of yen)
	End-Sep.2010								End-Mar.2010		End-Sep.2009
	(A)		(A-B)			(A-C)			(B)		(C)
Special allowance for loan trusts		1,739		(389	)		(1,026	)		2,129		2,766
Allowance for JOMT		37		(5	)		(6	)		43		44
Total		1,777		(395	)		(1,033	)		2,173		2,811
[Note] Principal guranteed trust account
Banking Account + Trust Account	(Millions of yen)
	End-Sep.2010								End-Mar.2010		End-Sep.2009
	(A)		(A-B)			(A-C)			(B)		(C)
Before partial direct write-offs		65,984		(11,935	)		(26,813	)		77,920		92,798
After partial direct write-offs		40,792		(7,900	)		(19,900	)		48,693		60,692
CMTH, Consolidated
Banking Account	(Millions of yen)
	End-Sep.2010								End-Mar.2010		End-Sep.2009
	(A)		(A-B)			(A-C)			(B)		(C)
General allowance for loan losses		26,338		(2,859	)		(4,664	)		29,197		31,002
Specific allowance for loan losses		20,400		(3,756	)		(12,456	)		24,156		32,856
Loan loss allowances for specific overseas countries		—		(56	)		(75	)		56		75
Total		46,739		(6,671	)		(17,195	)		53,410		63,934
Partial direct write-offs		28,200		(5,362	)		(7,820	)		33,562		36,020
Trust Account	(Millions of yen)
	End-Sep.2010								End-Mar.2010		End-Sep.2009
	(A)		(A-B)			(A-C)			(B)		(C)
Special allowance for loan trusts		1,739		(389	)		(1,026	)		2,129		2,766
Allowance for JOMT		37		(5	)		(6	)		43		44
Total		1,777		(395	)		(1,033	)		2,173		2,811
[Note] Principal guranteed trust account
Banking Account + Trust Account	(Millions of yen)
	End-Sep.2010								End-Mar.2010		End-Sep.2009
	(A)		(A-B)			(A-C)			(B)		(C)
Before partial direct write-offs		76,717		(12,428	)		(26,048	)		89,146		102,765
After partial direct write-offs		48,516		(7,066	)		(18,228	)		55,583		66,745

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Chuo Mitsui Trust Holdings, Inc.

3. Allowance Ratio for Risk-Monitored Loans

CMTB, Non-consolidated

Before partial direct write-offs	(%)
	End-Sep.2010						End-Mar.2010 (B)		End-Sep.2009 (C)
	(A)		(A-B)		(A-C)
Banking account		56.0		(2.4)		(0.5)		58.4		56.5
Trust account		20.7		(3.1)		(8.4)		23.8		29.1
Total		53.5		(2.5)		(1.4)		56.1		55.0
After partial direct write-offs	(%)
	End-Sep.2010						End-Mar.2010 (B)		End-Sep.2009 (C)
	(A)		(A-B)		(A-C)
Banking account		43.3		(2.4)		(1.8)		45.8		45.2
Trust account		20.7		(3.1)		(8.4)		23.8		29.1
Total		41.4		(2.6)		(2.6)		44.0		44.0
CMTH, Consolidated
Before partial direct write-offs	(%)
	End-Sep.2010						End-Mar.2010 (B)		End-Sep.2009 (C)
	(A)		(A-B)		(A-C)
Banking account		57.9		(2.7)		(1.2)		60.6		59.1
Trust account		20.7		(3.1)		(8.4)		23.8		29.1
Total		55.5		(2.8)		(1.9)		58.4		57.5
After partial direct write-offs	(%)
	End-Sep.2010						End-Mar.2010 (B)		End-Sep.2009 (C)
	(A)		(A-B)		(A-C)
Banking account		45.9		(2.2)		(1.7)		48.1		47.6
Trust account		20.7		(3.1)		(8.4)		23.8		29.1
Total		43.9		(2.3)		(2.4)		46.3		46.4

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Chuo Mitsui Trust Holdings, Inc.

4. Self-Assessment

CMTB, Non-consolidated (Billions of yen, %)

- 28 -

Chuo Mitsui Trust Holdings, Inc.

5. Disclosure of Claims Classified under the Financial Revitalization Law

(1) Claims Classified under the Financial Revitalization Law and the Coverage

CMTB, Non-consolidated

Banking Account	(Millions of yen, %)
Amount of claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Claims under bankruptcy and virtual bankruptcy		21,847		0.2		1,993			0.0			(10,775	)		(0.1	)		19,854		0.2		32,623		0.3
Claims under high risk		45,675		0.5		(31,260	)		(0.3	)		(51,587	)		(0.5	)		76,935		0.8		97,262		1.0
Claims under close observation		23,698		0.2		11,332			0.1			17,476			0.1			12,366		0.1		6,222		0.0
Total non-performing claims		91,222		1.0		(17,934	)		(0.1	)		(44,886	)		(0.4	)		109,156		1.1		136,108		1.4
Normal claims		8,978,419		98.9		(40,051	)		0.1			(207,221	)		0.4			9,018,471		98.8		9,185,641		98.5
Other caution claims		351,555		3.8		(35,403	)		(0.3	)		(167,310	)		(1.6	)		386,958		4.2		518,866		5.5
Total claims		9,069,641		100.0		(57,985	)					(252,108	)					9,127,627		100.0		9,321,749		100.0
	(Millions of yen, %)
	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Coverage ratio		(A-B)			Coverage ratio			(A-C)			Coverage ratio			(B)		Coverage ratio		(C)		Coverage ratio
Coverage ratio for non-performing claims			Allowance ratio					Allowance ratio						Allowance ratio					Allowance ratio				Allowance ratio
Total		75,096		82.3		(20,610	)		(5.3	)		(41,950	)		(3.6	)		95,706		87.6		117,046		85.9
Collateral and guarantees		55,877				(17,441	)					(31,241	)					73,318				87,119
Allowance for loan losses		19,218		54.3		(3,168	)		(8.0	)		(10,708	)		(6.7	)		22,387		62.4		29,927		61.0
Partial direct write-offs		25,192				(4,035	)					(6,913	)					29,227				32,106
Trust Account	(Millions of yen, %)
	End-Sep.2010																End-Mar.2010				End-Sep.2009
Amount of claims	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Claims under bankruptcy and virtual bankruptcy		27		0.0		18			0.0			20			0.0			9		0.0		6		0.0
Claims under high risk		157		0.0		(5	)		0.0			(13	)		(0.0	)		163		0.0		170		0.0
Claims under close observation		8,386		3.4		(540	)		(0.0	)		(1,073	)		(0.1	)		8,926		3.5		9,460		3.6
Total non-performing claims		8,572		3.5		(526	)		(0.0	)		(1,065	)		(0.1	)		9,099		3.6		9,638		3.7
Normal claims		231,848		96.4		(8,534	)		0.0			(18,768	)		0.1			240,382		96.3		250,616		96.2
Other caution claims		100		0.0		—			0.0			(25	)		(0.0	)		100		0.0		125		0.0
Total claims		240,420		100.0		(9,061	)					(19,834	)					249,482		100.0		260,255		100.0
	(Millions of yen, %)
Coverage ratio for non-performing claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Coverage ratio		(A-B)			Coverage ratio			(A-C)			Coverage ratio			(B)		Coverage ratio		(C)		Coverage ratio
Total		185		2.1		13			0.2			7			0.3			172		1.8		177		1.8
Collateral and guarantees		185				13						7						172				177
[Note 1]		CMTB establishes and maintains allowances for impairment of guaranteed trust principal of loan trusts and JOMTs in trust account. Coverage ratios taking into account of allowances are as follows:
	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Coverage ratio		(A-B)			Coverage ratio			(A-C)			Coverage ratio			(B)		Coverage ratio		(C)		Coverage ratio
Allowances for impairment of guaranteed trust principals of loan trusts and JOMTs		1,777		22.9		(395	)		(2.8	)		(1,033	)		(8.1	)		2,173		25.7		2,811		31.0
[Note 2]		In trust account, claims under bankruptcy and virtual bankruptcy and claims under high risk are directly written off with same standard at banking account. Amount equivalent to direct write-offs and specific allowance for loan losses are as follows:
		91				(2	)					(5	)					94				97

- 29 -

Chuo Mitsui Trust Holdings, Inc.

Banking Account + Trust Account	(Millions of yen, %)
Amount of claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Claims under bankruptcy and virtual bankruptcy		21,875		0.2		2,011			0.0			(10,754	)		(0.1	)		19,863		0.2		32,630		0.3
Claims under high risk		45,833		0.4		(31,265	)		(0.3	)		(51,600	)		(0.5	)		77,098		0.8		97,433		1.0
Claims under close observation		32,085		0.3		10,792			0.1			16,402			0.1			21,293		0.2		15,683		0.1
Total non-performing claims		99,794		1.0		(18,461	)		(0.1	)		(45,952	)		(0.4	)		118,255		1.2		145,747		1.5
Normal claims		9,210,267		98.9		(48,586	)		0.1			(225,990	)		0.4			9,258,853		98.7		9,436,257		98.4
Other caution claims		351,655		3.7		(35,403	)		(0.3	)		(167,336	)		(1.6	)		387,058		4.1		518,991		5.4
Total claims		9,310,062		100.0		(67,047	)					(271,942	)					9,377,109		100.0		9,582,005		100.0
	(Millions of yen, %)
Coverage ratio for non-performing claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Coverage ratio		(A-B)			Coverage ratio			(A-C)			Coverage ratio			(B)		Coverage ratio		(C)		Coverage ratio
Total		75,281		75.4		(20,597	)		(5.6	)		(41,942	)		(4.9	)		95,879		81.0		117,224		80.4
Collateral and guarantees		56,063				(17,428	)					(31,233	)					73,491				87,296
Allowance for loan losses		19,218				(3,168	)					(10,708	)					22,387				29,927
[Note]		Coverage ratio reserves for impairment of guaranteed trust principal of loan trusts and JOMTs in trust account is as follows:
			Coverage ratio					Coverage ratio						Coverage ratio					Coverage ratio				Coverage ratio
				77.2					(5.6	)					(5.1	)				82.9				82.3
CMTH, Consolidated
Banking account	(Millions of yen, %)
Amount of claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Claims under bankruptcy and virtual bankruptcy		23,912		0.2		1,009			0.0			(11,884	)		(0.1	)		22,903		0.2		35,796		0.3
Claims under high risk		47,356		0.5		(31,421	)		(0.3	)		(52,240	)		(0.5	)		78,777		0.8		99,597		1.0
Claims under close observation		31,822		0.3		14,860			0.1			24,993			0.2			16,962		0.1		6,828		0.0
Total non-performing claims		103,091		1.1		(15,551	)		(0.1	)		(39,131	)		(0.3	)		118,643		1.2		142,222		1.4
Normal claims		9,252,982		98.8		(76,476	)		0.1			(282,041	)		0.3			9,329,459		98.7		9,535,024		98.5
Total claims		9,356,074		100.0		(92,028	)					(321,172	)					9,448,102		100.0		9,677,247		100.0
	(Millions of yen, %)
Coverage ratio for non-performing claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Coverage ratio		(A-B)			Coverage ratio			(A-C)			Coverage ratio			(B)		Coverage ratio		(C)		Coverage ratio
			Allowance ratio					Allowance ratio						Allowance ratio					Allowance ratio				Allowance ratio
Total		81,945		79.4		(20,087	)		(6.5	)		(39,342	)		(5.7	)		102,033		86.0		121,288		85.2
Collateral and guarantees		58,050				(17,467	)					(30,414	)					75,518				88,464
Allowance for loan losses		23,895		53.0		(2,620	)		(8.4	)		(8,928	)		(8.0	)		26,515		61.4		32,823		61.0
Partial direct write-offs		28,200				(5,362	)					(7,820	)					33,562				36,020
Trust account	(Millions of yen, %)
Amount of claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Claims under bankruptcy and virtual bankruptcy		27		0.0		18			0.0			20			0.0			9		0.0		6		0.0
Claims under high risk		157		0.0		(5	)		0.0			(13	)		(0.0	)		163		0.0		170		0.0
Claims under close observation		8,386		3.4		(540	)		(0.0	)		(1,073	)		(0.1	)		8,926		3.5		9,460		3.6
Total non-performing claims		8,572		3.5		(526	)		(0.0	)		(1,065	)		(0.1	)		9,099		3.6		9,638		3.7
Normal claims		231,848		96.4		(8,534	)		0.0			(18,768	)		0.1			240,382		96.3		250,616		96.2
Total claims		240,420		100.0		(9,061	)					(19,834	)					249,482		100.0		260,255		100.0
	(Millions of yen, %)
Coverage ratio for non-performing claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Coverage ratio		(A-B)			Coverage ratio			(A-C)			Coverage ratio			(B)		Coverage ratio		(C)		Coverage ratio
Total		185		2.1		13			0.2			7			0.3			172		1.8		177		1.8
Collateral and guarantees		185				13						7						172				177

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Chuo Mitsui Trust Holdings, Inc.

Banking Account + Trust Account	(Millions of yen, %)
Amount of claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Claims under bankruptcy and virtual bankruptcy		23,939		0.2		1,027			0.0			(11,863	)		(0.1	)		22,912		0.2		35,803		0.3
Claims under high risk		47,514		0.4		(31,426	)		(0.3	)		(52,253	)		(0.5	)		78,941		0.8		99,768		1.0
Claims under close observation		40,209		0.4		14,320			0.1			23,920			0.2			25,889		0.2		16,289		0.1
Total non-performing claims		111,663		1.1		(16,078	)		(0.1	)		(40,197	)		(0.3	)		127,742		1.3		151,860		1.5
Normal claims		9,484,831		98.8		(85,011	)		0.1			(300,810	)		0.3			9,569,842		98.6		9,785,641		98.4
Total claims		9,596,495		100.0		(101,089	)					(341,007	)					9,697,585		100.0		9,937,502		100.0
	(Millions of yen, %)
Coverage ratio for non-performing claims	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Coverage ratio		(A-B)			Coverage ratio			(A-C)			Coverage ratio			(B)		Coverage ratio		(C)		Coverage ratio
Total		82,131		73.5		(20,074	)		(6.4	)		(39,335	)		(6.4	)		102,205		80.0		121,466		79.9
Collateral and guarantees		58,236				(17,454	)					(30,406	)					75,690				88,642
Allowance for loan losses		23,895				(2,620	)					(8,928	)					26,515				32,823
(2) Coverage and Coverage Ratio etc. by Borrower Classification [Note] [Note] Coverage for each borrower classification is a sum of coverage by collateral and guarantees and allowances for loan losses CMTB, Non-consolidated
Banking Account	(Millions of yen, %)
Coverage, Coverage ratio and Allowance ratio	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Coverage ratio		(A-B)			Coverage ratio			(A-C)			Coverage ratio			(B)		Coverage ratio		(C)		Coverage ratio
			Allowance ratio					Allowance ratio						Allowance ratio					Allowance ratio				Allowance ratio
Claims under bankruptcy and virtual bankruptcy		21,847		100.0		1,993			0.0			(10,775	)		0.0			19,854		100.0		32,623		100.0
Collateral and guarantees		10,820				(769	)					(14,759	)					11,590				25,579
Allowance for loan losses		11,027		100.0		2,763			0.0			3,983			0.0			8,264		100.0		7,044		100.0
Claims under high risk		40,156		87.9		(30,795	)		(4.3	)		(41,040	)		4.4			70,951		92.2		81,197		83.4
Collateral and guarantees		34,910				(24,065	)					(24,450	)					58,976				59,360
Allowance for loan losses		5,245		48.7		(6,729	)		(17.9	)		(16,590	)		(8.8	)		11,975		66.6		21,836		57.6
Claims under close observation		13,092		55.2		8,191			15.6			9,866			3.4			4,900		39.6		3,225		51.8
Collateral and guarantees		10,146				7,394						7,967						2,752				2,178
Allowance for loan losses		2,945		21.7		797			(0.6	)		1,898			(4.1	)		2,147		22.3		1,047		25.8
Trust Account	(Millions of yen, %)
Coverage, Coverage ratio	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Claims under bankruptcy and virtual bankruptcy		27		100.0		18			0.0			20			0.0			9		100.0		6		100.0
Collateral and guarantees		27				18						20						9				6
Claims under high risk		157		100.0		(5	)		0.0			(13	)		0.0			163		100.0		170		100.0
Collateral and guarantees		157				(5	)					(13	)					163				170
Claims under close observation		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Collateral and guarantees		—				—						—						—				—
Banking Account + Trust Account	(Millions of yen, %)
Coverage and Coverage ratio	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Claims under bankruptcy and virtual bankruptcy		21,875		100.0		2,011			0.0			(10,754	)		0.0			19,863		100.0		32,630		100.0
Collateral and guarantees		10,848				(751	)					(14,738	)					11,599				25,586
Allowance for loan losses		11,027				2,763						3,983						8,264				7,044
Claims under high risk		40,314		87.9		(30,800	)		(4.2	)		(41,053	)		4.4			71,114		92.2		81,368		83.5
Collateral and guarantees		35,068				(24,071	)					(24,463	)					59,139				59,531
Allowance for loan losses		5,245				(6,729	)					(16,590	)					11,975				21,836
Claims under close observation		13,092		40.8		8,191			17.7			9,866			20.2			4,900		23.0		3,225		20.5
Collateral and guarantees		10,146				7,394						7,967						2,752				2,178
Allowance for loan losses		2,945				797						1,898						2,147				1,047

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Chuo Mitsui Trust Holdings, Inc.

<Reference> Claims Classified under the Financial Revitalization Law by Type of Industry

CMTB, Non-consolidated

Banking Account + Trust Account	(Millions of yen, %)
	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Total domestic (excluding Japan offshore market account)		99,541		100.0		(18,418	)		0.0			(45,903	)		0.0			117,959		100.0		145,445		100.0
Manufacturing		4,464		4.4		1,965			2.3			(2,302	)		(0.1	)		2,498		2.1		6,767		4.6
Agriculture and forestry		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Fishery		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Mining and quarrying of stone and gravel		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Construction (A)		1,716		1.7		(709	)		(0.3	)		(1,818	)		(0.7	)		2,425		2.0		3,535		2.4
Electricity, gas, heat supply and water		231		0.2		—			0.0			(41	)		0.0			231		0.1		272		0.1
Information and communications		3,288		3.3		(9	)		0.5			6			1.0			3,297		2.7		3,282		2.2
Transport and postal activities		646		0.6		(1,003	)		(0.7	)		(1,398	)		(0.7	)		1,650		1.3		2,045		1.4
Wholesale and retail trade		3,652		3.6		(3,318	)		(2.2	)		(4,136	)		(1.6	)		6,970		5.9		7,788		5.3
Finance and insurance (B)		15,320		15.3		202			2.5			(647	)		4.4			15,118		12.8		15,968		10.9
Real estate (C)		29,775		29.9		(21,169	)		(13.2	)		(39,818	)		(17.9	)		50,945		43.1		69,594		47.8
Goods rental and leasing		69		0.0		(19	)		(0.0	)		(19	)		0.0			88		0.0		89		0.0
Local government		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Others		40,375		40.5		5,643			11.1			4,272			15.7			34,732		29.4		36,102		24.8
Japan offshore market account		253				(43	)					(48	)					296				301
Total		99,794				(18,461	)					(45,952	)					118,255				145,747
(A+B+C)		46,813		47.0		(21,676	)		(11.0	)		(42,285	)		(14.2	)		68,489		58.0		89,098		61.2

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Chuo Mitsui Trust Holdings, Inc.

6. Allowance Ratio by General Allowances

CMTB, Non-consolidated

Banking Account	(%)
	End-Sep.2010								End-Mar.2010 (B)		End-Sep.2009 (C)
	(A)		(A-B)			(A-C)
Claims against close observation borrowers		11.93		(5.35	)		(4.57	)		17.29		16.50
<Against uncovered portion>		<21.89>		<(0.50	)>		<(5.48	)>		<22.40>		<27.38>
Claims against caution borrowers other than close observation borrowers		1.43		(0.27	)		(0.16	)		1.70		1.60
<Against uncovered portion>		<3.50>		<(0.45	)>		<0.03>			<3.96>		<3.47>
Claims against normal borrowers		0.16		(0.03	)		(0.03	)		0.19		0.20

7. Disposal of Non-Performing Claims

CMTB, Non-consolidated / CMTH, Consolidated	(Millions of yen)
	CMTB, Non-consolidated									CMTH, Consolidated
	1H FY2010						1H  FY2009 (B)			1H FY2010						1H  FY2009 (D)
	(A)			(A-B)						(C)			(C-D)
Write-off of loans		877			(4,652	)		5,529			1,735			(5,631	)		7,366
Losses on sales of loans		—			(1	)		1			—			(1	)		1
Debt forgiveness (losses on financial assistance)		—			—			—			—			—			—
Provision of specific allowance for loan losses		(3,444	)		(7,798	)		4,353			(2,899	)		(7,738	)		4,838
Provision of allowance for loan losses for specific countries		(56	)		(105	)		49			(56	)		(105	)		49
Banking a/c credit costs (A)		(2,622	)		(12,556	)		9,933			(1,220	)		(13,476	)		12,255
Write-off of loans		—			(59	)		59			—			(59	)		59
Losses on sales of loans		—			(2,208	)		2,208			—			(2,208	)		2,208
Debt forgiveness (losses on financial assistance)		—			—			—			—			—			—
Trust a/c credit costs (B)		—			(2,268	)		2,268			—			(2,268	)		2,268
Subtotal (A + B)		(2,622	)		(14,824	)		12,202			(1,220	)		(15,744	)		14,523
Provision (reversal) of general allowance for loan losses (C)		(3,482	)		(2,304	)		(1,178	)		(2,859	)		(2,117	)		(741	)
Credit costs (A + B + C)		(6,105	)		(17,129	)		11,023			(4,080	)		(17,862	)		13,782

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Chuo Mitsui Trust Holdings, Inc.

8. Progress in Off-Balancing of Non-Performing Claims (Banking Account +Trust Account)

CMTB, Non-consolidated

(1) Historical trend of non-performing claims and description by period of emergence

Balance of claims under high risk or under bankruptcy and virtual bankruptcy	(Billions of yen)
	End-Sep.2007		End-Mar.2008		End-Sep.2008		End-Mar.2009		End-Sep.2009		End-Mar.2010		End-Sep.2010		Change
Claims under bankruptcy and virtual bankruptcy		14.3		15.7		41.8		36.6		32.6		19.8		21.8		2.0
Claims under high risk		62.7		60.3		74.8		85.7		97.4		77.0		45.8		(31.2	)
Total		77.0		76.0		116.6		122.3		130.0		96.9		67.7		(29.2	)
	End-Sep.2007		End-Mar.2008		End-Sep.2008		End-Mar.2009		End-Sep.2009		End-Mar.2010		End-Sep.2010		Change
 Claims emerged prior to 1H FY2007
Claims under bankruptcy and virtual bankruptcy		14.3		8.3		6.4		5.1		3.9		3.3		3.6		0.3
Claims under high risk		62.7		50.6		37.1		32.2		24.9		22.0		17.3		(4.6	)
Total		77.0		58.9		43.6		37.3		28.9		25.4		21.0		(4.3	)
‚ Claims emerged during 2H.FY2007
Claims under bankruptcy and virtual bankruptcy				7.3		1.7		1.7		0.8		0.4		0.4		0.0
Claims under high risk				9.7		7.7		3.4		2.4		2.2		1.4		(0.8	)
Total				17.1		9.4		5.1		3.2		2.7		1.9		(0.7	)
ƒ Claims emerged during 1H.FY2008
Claims under bankruptcy and virtual bankruptcy						33.5		21.7		19.9		6.3		5.8		(0.4	)
Claims under high risk						29.9		17.9		9.4		17.6		3.7		(13.9	)
Total						63.4		39.6		29.3		23.9		9.5		(14.3	)
„ Claims emerged during 2H.FY2008
Claims under bankruptcy and virtual bankruptcy								8.0		4.3		2.3		0.7		(1.5	)
Claims under high risk								32.0		28.1		8.7		5.2		(3.4	)
Total								40.1		32.5		11.0		5.9		(5.0	)
… Claims emerged during 1H.FY2009
Claims under bankruptcy and virtual bankruptcy										3.5		5.3		7.4		2.0
Claims under high risk										32.4		16.5		9.5		(7.0	)
Total										35.9		21.9		16.9		(4.9	)
† Claims emerged during 2H.FY2009
Claims under bankruptcy and virtual bankruptcy												2.1		2.2		0.1
Claims under high risk												9.8		3.2		(6.6	)
Total												11.9		5.4		(6.4	)
‡ Claims emerged during 1H.FY2010
Claims under bankruptcy and virtual bankruptcy														1.5
Claims under high risk														5.2
Total														6.7

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Chuo Mitsui Trust Holdings, Inc.

(2) Description of off-balancing in 1H.FY2010

 Result of off-balancing

		(Billions of yen)
		Prior to 1H.FY2007			2H.FY2007			1H.FY2008			2H.FY2008			1H.FY2009			2H.FY2009		1H.FY2010
Disposition by borrowers’ liquidation	(minus)		0.1			0.0			0.2			0.6			0.0			0.0		—
Reconstructive disposition	(minus)		—			—			0.5			0.2			1.3			—		—
Improvement in debtors’ performance due to reconstructive disposition	(minus)		—			—			—			—			—			—		—
Loan sales to market	(minus)		0.0			0.0			0.1			0.4			0.1			0.0		0.0
Direct write-offs	(minus)		(0.2	)		(0.0	)		(0.2	)		(1.1	)		(1.6	)		0.1		0.1
Others	(minus)		4.3			0.7			13.6			4.8			4.9			6.2		0.7
Collection/repayment, etc.	(minus)		1.7			0.4			0.5			1.6			2.1			5.3		0.5
Improvement in debtors’ performance	(minus)		2.6			0.3			13.1			3.2			2.8			0.8		0.2
Total	(minus)		4.3			0.7			14.3			5.0			4.9			6.4		0.9

‚ Amount of outstanding non-performing claims which is in progress for off-balacing

		(Billions of yen)
		Prior to 1H.FY2007		2H.FY2007		1H.FY2008		2H.FY2008		1H.FY2009		2H.FY2009		1H.FY2010
Legal liquidation	(minus)		0.4		0.0		5.4		1.0		6.8		0.9		0.3
Quasi-legal liquidation	(minus)		—		—		—		—		—		—		—
Split-off of problem claims	(minus)		—		—		—		—		—		—		—
Partial write-off of small balance claims	(minus)		2.2		0.2		0.2		0.1		0.0		0.0		—
Entrusted to the RCC	(minus)		—		—		—		—		—		—		—
Total	(minus)		2.6		0.2		5.7		1.1		6.9		1.0		0.3

(3) Accumulated amount of off-balancing and degree of progress

	(Billions of yen)
	Prior to 1H.FY2007			2H.FY2007			1H.FY2008			2H.FY2008			1H.FY2009			2H.FY2009			1H.FY2010		Total
Amount of claims emerged		1,576.9			17.1			63.4			40.1			35.9			11.9			6.7		1,752.4
Accumulated amount of off-balancing		1,555.8			15.2			53.9			34.1			19.0			6.4					1,684.7
Degrees of progress		98.7	%		88.9	%		84.9	%		85.1	%		52.9	%		54.4	%
Accumulated amount of off-balancing includes of which is in progress for off-balancing		1,558.5			15.5			59.7			35.3			25.9			7.5					1,702.5
Degrees of progress		98.8	%		90.6	%		94.0	%		87.9	%		72.1	%		62.8	%

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Chuo Mitsui Trust Holdings, Inc.

9. Loans by Type of Industry

(1) Breakdown of Loans by Type of Industry

CMTB, Non-consolidated

Banking Account + Trust Account	(Millions of yen, %)
	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Total domestic excluding Japan offshore market account		9,106,168		100.0		(82,254	)		0.0			(264,377	)		0.0			9,188,423		100.0		9,370,545		100.0
Manufacturing		911,495		10.0		11,566			0.2			(30,571	)		(0.0	)		899,929		9.7		942,066		10.0
Agriculture and forestry		338		0.0		(22	)		(0.0	)		(47	)		(0.0	)		361		0.0		385		0.0
Fishery		—		0.0		—			0.0			(0	)		(0.0	)		—		0.0		0		0.0
Mining and quarrying of stone and gravel		738		0.0		(26	)		(0.0	)		(1,120	)		(0.0	)		764		0.0		1,859		0.0
Construction (A)		72,983		0.8		(10,424	)		(0.1	)		(25,661	)		(0.2	)		83,407		0.9		98,644		1.0
Electricity, gas, heat supply and water		182,994		2.0		14,598			0.1			20,566			0.2			168,395		1.8		162,428		1.7
Information and communications		40,043		0.4		(341	)		0.0			(2,073	)		(0.0	)		40,385		0.4		42,116		0.4
Transport and postal activities		559,406		6.1		(19,963	)		(0.1	)		(29,518	)		(0.1	)		579,369		6.3		588,924		6.2
Wholesale and retail trade		461,271		5.0		10,234			0.1			3,104			0.1			451,036		4.9		458,167		4.8
Finance and insurance (B)		1,729,153		18.9		60,419			0.8			107,189			1.6			1,668,734		18.1		1,621,964		17.3
Real estate (C)		1,280,711		14.0		(84,120	)		(0.7	)		(257,695	)		(2.3	)		1,364,832		14.8		1,538,407		16.4
Goods rental and leasing		149,320		1.6		(23,038	)		(0.2	)		(65,151	)		(0.6	)		172,358		1.8		214,471		2.2
Local government		10,934		0.1		4,985			0.0			4,970			0.0			5,949		0.0		5,963		0.0
Others		3,706,776		40.7		(46,122	)		(0.1	)		11,632			1.2			3,752,899		40.8		3,695,143		39.4
Japan offshore market account		4,576				(687	)					(2,009	)					5,263				6,586
Total		9,110,744				(82,942	)					(266,387	)					9,193,686				9,377,132
(A+B+C)		3,082,849		33.8		(34,125	)		(0.0	)		(176,167	)		(0.9	)		3,116,974		33.9		3,259,016		34.7

<Reference> Consumer finance companies and nonbank financial institutions	(Millions of yen, %)
Finance and insurance		1,729,153	18.9	60,419	0.8	107,189		1.6		1,668,734	18.1	1,621,964	17.3
Consumer finance companies and nonbank financial institutions [Note1]		128,311	1.4	5,392	0.0	596		0.0		122,919	1.3	127,715	1.3
Consumer finance companies [Note2]		11,910	0.1	89	0.0	(2,041	)	(0.0	)	11,821	0.1	13,952	0.1

[Note 1]	Loan providers that apply interest rates in excess of the upper limit set by the Interest Rate Restriction Law (“Gray Zone” Interest Rates) (consumer finance companies, sales finance companies, credit card companies, etc.)
[Note 2]	Loan providers whose consumer loan balance exceeds 50% of total loan balance and whose unsecured loan balance (excluding residential) accounts for the highest proportion of consumer loan balance (excludes credit card companies and sales finance companies)

(2) Loans to Individuals, Housing Loans

CMTB, Non-consolidated

Banking Account + Trust Account	(Millions of yen)
	End-Sep.2010							End-Mar.2010		End-Sep.2009
	(A)		(A-B)			(A-C)		(B)		(C)
Loans to individuals		3,610,844		(49,409	)		2,189		3,660,253		3,608,655
Housing loans		3,301,496		(29,765	)		43,571		3,331,261		3,257,925

[Note] Securities Report basis

(3) Loans to Small and Medium Enterprises

CMTB, Non-consolidated

Banking Account + Trust Account	(Millions of yen)
	End-Sep.2010							End-Mar.2010		End-Sep.2009
	(A)		(A-B)		(A-C)			(B)		(C)
Loans to Small and Medium Enterprises		6,389,532		11,224		(26,849	)		6,378,308		6,416,381

[Note] Securities Report basis

- 36 -

Chuo Mitsui Trust Holdings, Inc.

10. Claims by Countries

(1) Claims to specific overseas countries

CMTB, Non-consolidated	(Millions of yen, Number of countries)
	End-Sep.2010								End-Mar.2010		End-Sep.2009
	(A)		(A-B)			(A-C)			(B)		(C)
Balance of Claims		—		(806	)		(1,002	)		806		1,002
Number of countries		—		(1	)		(1	)		1		1

(2) Claims by region

CMTB, Non-consolidated	(Millions of yen)
	End-Sep.2010								End-Mar.2010		End-Sep.2009
	(A)		(A-B)			(A-C)			(B)		(C)
Asia		60,585		514			18,118			60,070		42,466
Of which risk-monitored claims		253		(43	)		(48	)		296		301
Central and South America		3,298		(614	)		(738	)		3,913		4,037
Of which risk-monitored claims		—		—			—			—		—

- 37 -

Chuo Mitsui Trust Holdings, Inc.

11. Deposits and Loans

(1) Balance of Deposits and Loans

CMTB, Non-consolidated		(Millions of yen)
			End-Sep.2010								End-Mar.2010		End-Sep.2009
			(A)		(A-B)			(A-C)			(B)		(C)
Banking	Deposit	Ending balance		8,975,044		152,873			193,129			8,822,170		8,781,915
		Average balance		8,821,266		208,263			285,412			8,613,003		8,535,853
	Loans	Ending balance		8,865,057		(73,717	)		(246,265	)		8,938,774		9,111,322
		Average balance		7,980,521		(173,345	)		(119,749	)		8,153,866		8,100,271
Money Trust ø	Principals	Ending balance		932,804		(91,969	)		(152,770	)		1,024,773		1,085,575
		Average balance		984,608		(96,764	)		(122,712	)		1,081,372		1,107,321
	Loans	Ending balance		236,015		(6,247	)		(15,254	)		242,262		251,270
		Average balance		237,831		(11,644	)		(15,357	)		249,475		253,188
Loan Trust ø	Principals	Ending balance		282,557		(74,521	)		(157,174	)		357,078		439,731
		Average balance		318,930		(122,619	)		(163,479	)		441,550		482,410
	Loans	Ending balance		—		—			—			—		—
		Average balance		—		(20,958	)		(41,801	)		20,958		41,801
Trust ø	Principals	Ending balance		1,215,361		(166,490	)		(309,945	)		1,381,852		1,525,307
		Average balance		1,303,539		(219,383	)		(286,192	)		1,522,923		1,589,731
	Loans	Ending balance		236,015		(6,247	)		(15,254	)		242,262		251,270
		Average balance		237,831		(32,602	)		(57,159	)		270,433		294,990
Total	Deposit & Principals	Ending balance		10,190,406		(13,616	)		(116,816	)		10,204,023		10,307,223
		Average balance		10,124,805		(11,120	)		(779	)		10,135,926		10,125,585
	Loans	Ending balance		9,101,072		(79,964	)		(261,520	)		9,181,037		9,362,593
		Average balance		8,218,353		(205,947	)		(176,908	)		8,424,300		8,395,261

ø Trust account with principal guarantee agreement

(2) Breakdown of Deposits by Type of Depositor

CMTB, Non-consolidated Banking Account	(Million of yen, %)
	End-Sep.2010																End-Mar.2010				End-Sep.2009
	(A)		Ratio		(A-B)			Ratio			(A-C)			Ratio			(B)		Ratio		(C)		Ratio
Individual		7,177,676		79.9		178,196			0.6			498,782			3.8			6,999,480		79.3		6,678,893		76.1
Time deposit		6,280,068		69.9		122,104			0.1			427,687			3.3			6,157,964		69.8		5,852,380		66.6
Ordinary deposit		888,978		9.9		56,161			0.4			70,478			0.5			832,816		9.4		818,499		9.3
Checking deposit		240		0.0		(61	)		(0.0	)		(95	)		(0.0	)		302		0.0		336		0.0
Notice deposit		4		0.0		(1	)		(0.0	)		(1	)		(0.0	)		5		0.0		5		0.0
Foreign currency deposit		3,185		0.0		(97	)		(0.0	)		33			(0.0	)		3,283		0.0		3,151		0.0
Other		5,199		0.0		90			0.0			679			0.0			5,108		0.0		4,520		0.0
Corporate		1,569,404		17.4		(13,493	)		(0.4	)		(211,235	)		(2.7	)		1,582,897		17.9		1,780,640		20.2
Time deposit		1,131,101		12.6		38,748			0.2			(165,046	)		(2.1	)		1,092,353		12.3		1,296,147		14.7
Ordinary deposit		331,739		3.6		(6,706	)		(0.1	)		(7,666	)		(0.1	)		338,446		3.8		339,406		3.8
Checking deposit		73,298		0.8		(38,666	)		(0.4	)		(32,766	)		(0.3	)		111,965		1.2		106,065		1.2
Notice deposit		14,954		0.1		(6,554	)		(0.0	)		(5,899	)		(0.0	)		21,509		0.2		20,854		0.2
Foreign currency deposit		4,985		0.0		83			(0.0	)		451			0.0			4,902		0.0		4,534		0.0
Other		13,323		0.1		(397	)		(0.0	)		(308	)		(0.0	)		13,720		0.1		13,632		0.1
Other		225,211		2.5		(9,046	)		(0.1	)		(91,710	)		(1.1	)		234,257		2.6		316,922		3.6
Time deposit		198,629		2.2		(10,253	)		(0.1	)		(86,250	)		(1.0	)		208,882		2.3		284,879		3.2
Ordinary deposit		5,111		0.0		(389	)		(0.0	)		486			0.0			5,500		0.0		4,624		0.0
Checking deposit		1,894		0.0		(248	)		(0.0	)		(280	)		(0.0	)		2,142		0.0		2,174		0.0
Notice deposit		—		0.0		—			0.0			—			0.0			—		0.0		—		0.0
Foreign currency deposit		12		0.0		(40	)		(0.0	)		2			0.0			53		0.0		9		0.0
Other		19,563		0.2		1,884			0.0			(5,669	)		(0.0	)		17,679		0.2		25,232		0.2
Total		8,972,292		100.0		155,656			0.0			195,836			0.0			8,816,635		100.0		8,776,455		100.0
Time deposit		7,609,799		84.8		150,599			0.2			176,391			0.1			7,459,199		84.6		7,433,408		84.6
Ordinary deposit		1,225,829		13.6		49,065			0.3			63,298			0.4			1,176,763		13.3		1,162,530		13.2
Checking deposit		75,433		0.8		(38,976	)		(0.4	)		(33,142	)		(0.3	)		114,409		1.2		108,576		1.2
Notice deposit		14,958		0.1		(6,555	)		(0.0	)		(5,900	)		(0.0	)		21,514		0.2		20,859		0.2
Foreign currency deposit		8,184		0.0		(54	)		(0.0	)		488			0.0			8,238		0.0		7,695		0.0
Other		38,086		0.4		1,578			0.0			(5,299	)		(0.0	)		36,508		0.4		43,385		0.4

(Note) Excludes Japan offshore market account

- 38 -

Chuo Mitsui Trust Holdings, Inc.

III Outlook for FY2010

(1) CMTH, Non-consolidated

	(Billions of yen)
			FY2010						FY2009
	No.		1H FY2010 Actual		Outlook [Note]		Change from FY2009
Operating income		1		20.5		22.0		8.3		13.6
Operating profit		2		15.2		12.0		8.8		3.1
Ordinary profit		3		13.3		10.0		7.7		2.2
Net income		4		13.0		9.0		6.1		2.8
Dividends per share: Common stock		5		4.00 yen		8.00 yen		—		8.00 yen

(2) CMTH, Consolidated

	(Billions of yen)
	No.		FY2010							FY2009
			1H FY2010 Actual		Outlook [Note]		Change from FY2009
Ordinary income		6		179.2		360.0		(5.5	)		365.5
Ordinary profit		7		50.1		90.0		6.5			83.4
Net income		8		32.0		50.0		3.1			46.8

(3) CMTB+CMAB, Non-consolidated

	(Billions of yen)
	No.		FY2010							FY2009
			1H FY2010 Actual			Outlook [Note]		Change from FY2009
Pre-provision profit		9		59.3			115.0		6.0		108.9
Ordinary profit		10		48.1			90.0		4.9		85.0
Net income		11		36.4			60.0		2.3		57.6
Credit costs (minus)		12		(6.1	)		10.0		2.4		7.5

<Reference>

CMTB, Non-consolidated	(Billions of yen)
	No.		FY2010							FY2009
			1H FY2010 Actual			Outlook [Note]		Change from FY2009
Pre-provision profit		13		52.1			98.0		5.1		92.8
Ordinary profit		14		42.3			75.0		3.0		71.9
Net income		15		33.0			51.0		1.1		49.8
Credit costs (minus)		16		(6.1	)		10.0		2.4		7.5

CMAB, Non-consolidated	(Billions of yen)
	No.		FY2010						FY2009
			1H FY2010 Actual		Outlook [Note]		Change from FY2009
Pre-provision profit		17		7.1		17.0		0.8		16.1
Ordinary profit		18		5.8		15.0		1.8		13.1
Net income		19		3.3		9.0		1.2		7.7

[Note] There are no changes in outlook which was previously announced on May 14, 2010.

- 39 -

Chuo Mitsui Trust Holdings, Inc.

<Appendix> Financial Statements of Two Bank Subsidiaries

1. Summary of Business Results for First Half FY2010

	(Millions of yen)
	CMTB, Non-consolidated												CMAB, Non-consolidated
	1H FY2010			Change			1H FY2009			FY2009			1H FY2010			Change			1H FY2009			FY2009
										(Reference)												(Reference)
Ordinary Income		149,578			(2,389	)		151,967			306,260			21,406			(445	)		21,852			44,087
Ordinary Profit		42,321			13,062			29,259			71,934			5,877			(1,000	)		6,878			13,145
Net Income		33,090			12,373			20,717			49,863			3,327			(764	)		4,092			7,787
Number of Common Stock Outstanding at the End of the Period (Thousand Shares)		2,595,958			—			2,595,958			2,595,958			600			—			600			600
Average Number of Common Stock Outstanding During the Period (thousand Shares)		2,595,958			605,416			1,990,541			2,292,420			600			—			600			600
Net Income per Common Share (yen)		12.74			2.33			10.40			21.75			5,545.27			(1,274.90	)		6,820.17			12,978.93
Total Assets		13,809,614			(1,099,987	)		14,909,601			14,481,460			143,430			(4,728	)		148,158			140,313
Net Assets		743,954			33,256			710,697			732,030			38,578			(482	)		39,061			42,747
Net Capital Ratio		5.3	%		0.6	%		4.7	%		5.0	%		26.8	%		0.5	%		26.3	%		30.4	%
Net Capital per Common Share (yen)		286.58			12.81			273.77			281.98			64,297.90			(804.41	)		65,102.31			71,245.17

[Notes] Formulas for calculating ratios are as follows:
	Net income per common share
			Net income - Total dividends on preferred stock
			Average number of common stock outstanding during the periodø
	Net capital per common share
			Net capital - Preferred stock - Total dividends on preferred stock
			Number of common stock outstanding at the end of the periodø
	ø	excluding treasury stock

- 40 -

Chuo Mitsui Trust Holdings, Inc.

(The Chuo Mitsui Trust and Banking Company, Limited)

2. Financial Statements

The Chuo Mitsui Trust and Banking Company, Limited

Non-consolidated Balance Sheets

	(Millions of yen)
Items	End-Sep.2010 (A)			End-Sep.2009 (B)			Change (A-B)			End-Mar.2010 (Summary)(C)			Change (A-C)
ASSETS
Cash and due from banks		208,557			231,136			(22,579	)		245,874			(37,316	)
Call loans		—			—			—			6,512			(6,512	)
Receivables under securities borrowing transactions		11,938			5,932			6,006			1,521			10,417
Monetary claims bought		97,510			107,741			(10,230	)		98,818			(1,307	)
Trading Assets		18,929			22,747			(3,817	)		22,778			(3,848	)
Money held in trust		—			2,500			(2,500	)		—			—
Securities		4,041,835			4,862,672			(820,836	)		4,494,557			(452,721	)
Loans and bills discounted		8,865,057			9,111,322			(246,265	)		8,938,774			(73,717	)
Foreign exchanges		716			745			(29	)		767			(50	)
Other assets		299,535			308,628			(9,093	)		410,641			(111,105	)
Tangible fixed assets		100,005			100,371			(365	)		99,887			117
Intangible fixed assets		19,556			17,513			2,042			19,311			244
Deferred tax assets		133,006			150,455			(17,449	)		140,434			(7,428	)
Customers’ liabilities for acceptances and guarantees		51,979			45,715			6,264			48,101			3,877
Allowance for loan losses		(39,014	)		(57,881	)		18,866			(46,519	)		7,505
Total assets		13,809,614			14,909,601			(1,099,987	)		14,481,460			(671,845	)
Liabilities
Deposits		8,975,044			8,781,915			193,129			8,822,170			152,873
Negotiable certificates of deposit		323,170			643,900			(320,730	)		362,190			(39,020	)
Call money		178,493			229,050			(50,557	)		217,161			(38,668	)
Payables under repurchase agreements		—			255,326			(255,326	)		—			—
Payables under securities lending transactions		1,638,268			1,354,655			283,613			1,702,697			(64,429	)
Trading liabilities		8,538			7,228			1,309			7,911			626
Borrowed money		445,874			1,352,004			(906,130	)		1,217,246			(771,372	)
Foreign exchanges		—			—			—			21			(21	)
Bonds payable		227,741			219,992			7,748			234,750			(7,009	)
Due to trust accounts		873,256			1,113,645			(240,388	)		995,612			(122,356	)
Other liabilities		327,941			181,631			146,309			127,070			200,870
Provision for bonuses		2,011			2,013			(1	)		2,050			(39	)
Provision for directors’ retirement benefits		640			781			(141	)		875			(235	)
Provision for contingent losses		12,701			11,045			1,655			11,567			1,133
Acceptances and guarantees		51,979			45,715			6,264			48,101			3,877
Total liabilities		13,065,660			14,198,904			(1,133,244	)		13,749,429			(683,769	)
Net assets
Capital stock		399,697			399,697			—			399,697			—
Capital surplus		149,011			149,011			—			149,011			—
Legal capital surplus		149,011			149,011			—			149,011			—
Retained earnings		200,789			148,053			52,735			177,199			23,589
Legal retained earnings		47,908			46,008			1,900			46,008			1,900
Other retained earnings		152,880			102,045			50,835			131,191			21,689
Retained earnings brought forward		152,880			102,045			50,835			131,191			21,689
Shareholders’ equity		749,498			696,763			52,735			725,909			23,589
Valuation difference on available-for-sale securities		6,347			29,288			(22,941	)		19,762			(13,414	)
Deferred gains or losses on hedges		3,639			177			3,462			1,891			1,748
Revalution reserve for land		(15,532	)		(15,532	)		—			(15,532	)		—
Valuation and translation adjustments		(5,544	)		13,934			(19,478	)		6,121			(11,666	)
Total net assets		743,954			710,697			33,256			732,030			11,923
Total liabilities and net assets		13,809,614			14,909,601			(1,099,987	)		14,481,460			(671,845	)

[Note] Amounts less than one million yen are rounded down

- 41 -

Chuo Mitsui Trust Holdings, Inc.

(The Chuo Mitsui Trust and Banking Company, Limited)

The Chuo Mitsui Trust and Banking Company, Limited

Non-consolidated Statements of Income

	(Millions of yen)
Items	1H FY2010 (A)		1H FY2009 (B)		Change (A-B)			FY2009 (Summary)
Ordinary income		149,578		151,967		(2,389	)		306,260
Trust fees		5,871		9,111		(3,240	)		15,713
Interest income		80,093		90,815		(10,721	)		180,444
Interest on loans and discounts		54,332		61,772		(7,439	)		121,276
Interest and dividends on securities		23,041		27,640		(4,599	)		55,265
Fees and commissions		32,841		28,592		4,248			59,136
Trading income		1,494		926		568			2,592
Other ordinary income		23,567		15,002		8,564			27,505
Other income		5,709		7,518		(1,809	)		20,868
Ordinary expenses		107,256		122,708		(15,451	)		234,325
Interest expenses		30,731		35,684		(4,953	)		68,881
Interest on deposits		21,064		22,901		(1,836	)		45,065
Fees and commissions		7,376		7,599		(223	)		15,571
Trading expenses		40		—		40			—
Other ordinary expenses		4,852		3,355		1,497			8,318
General and administrative expenses		54,516		58,764		(4,247	)		117,473
Other expenses		9,739		17,305		(7,565	)		24,080
Ordinary profit		42,321		29,259		13,062			71,934
Extraordinary income		8,053		1,510		6,542			3,443
Extraordinary loss		2,203		57		2,145			731
Income before income taxes		48,171		30,712		17,459			74,647
Income taxes-current		80		94		(13	)		183
Income taxes-deferred		15,000		9,900		5,100			24,600
Total income taxes		15,080		9,994		5,086			24,783
Net income		33,090		20,717		12,373			49,863

[Note] Amounts less than one million yen are rounded down

- 42 -

Chuo Mitsui Trust Holdings, Inc.

(The Chuo Mitsui Trust and Banking Company, Limited)

The Chuo Mitsui Trust and Banking Company, Limited

Statements of Trust Account (Non-consolidated)

	(Millions of yen)
Items	End-Sep.2010 (A)		End-Sep.2009 (B)		Change (A-B)			End-Mar.2010 (C)		Change (A-C)
Loans and bills discounted		245,687		265,809		(20,121	)		254,912		(9,224	)
Securities		3,284		3,372		(88	)		3,392		(108	)
Beneficial rights of trust		87		402		(315	)		107		(19	)
Securities held in custody accounts		122		136		(14	)		123		(1	)
Money claims		210		264		(53	)		236		(26	)
Tangible fixed assets		5,140,247		5,389,944		(249,696	)		5,334,660		(194,413	)
Intangible fixed assets		30,977		26,973		4,003			26,982		3,994
Other claims		35,938		37,643		(1,704	)		37,588		(1,649	)
Loans to banking account		873,256		1,113,645		(240,388	)		995,612		(122,356	)
Cash and due from banks		189,886		204,470		(14,584	)		198,314		(8,428	)
Total assets		6,519,698		7,042,662		(522,963	)		6,851,932		(332,233	)
Money trusts		802,136		906,819		(104,683	)		858,784		(56,648	)
Property formation benefit trusts		13,076		13,474		(397	)		13,657		(581	)
Loan trusts		285,041		439,439		(154,398	)		358,777		(73,736	)
Money entrusted, other than money trusts		239		262		(23	)		253		(14	)
Securities trusts		127		141		(14	)		128		(0	)
Money claim trusts		1,120		1,198		(78	)		1,168		(48	)
Land and fixtures trusts		76,144		76,393		(249	)		75,951		193
Composite trusts		5,341,773		5,604,899		(263,125	)		5,543,168		(201,395	)
Other trusts		40		33		7			42		(2	)
Total liabilities		6,519,698		7,042,662		(522,963	)		6,851,932		(332,233	)

Breakdown of trust a/c with principal guarantee agreement (including trust which is re-trusted for investing the trust properties)

<Money Trust>	(Millions of yen)			<Loan Trust>	(Millions of yen)
Items	End-Sep.2010			Items	End-Sep.2010
Loans and bills discounted		236,015		Loans and bills discounted		—
Securities		—		Securities		482
Others		696,807		Others		285,973
Total assets		932,823		Total assets		286,456
Principal		932,804		Principal		282,557
Allowances for JOMT		37		Allowances for loan trust		1,739
Others		(19	)	Others		2,158
Total liabilities		932,823		Total liabilities		286,456

[Note] Amounts less than one million yen are rounded down

- 43 -

Chuo Mitsui Trust Holdings, Inc.

(The Chuo Mitsui Trust and Banking Company, Limited)

The Chuo Mitsui Trust and Banking Company, Limited

Comparison of major items (Non-consolidated)

	(Millions of yen)
Items	End-Sep.2010 (A)		End-Sep.2009 (B)		Change (A-B)			End-Mar.2010 (C)		Change (A-C)
Total funds		10,398,468		10,785,549		(387,080	)		10,415,580		(17,112	)
Deposits		8,975,044		8,781,915		193,129			8,822,170		152,873
Negotiable certificates of deposit		323,170		643,900		(320,730	)		362,190		(39,020	)
Money trusts		802,136		906,819		(104,683	)		858,784		(56,648	)
Property formation benefit trusts		13,076		13,474		(397	)		13,657		(581	)
Loan trusts		285,041		439,439		(154,398	)		358,777		(73,736	)
Loans and bills discounted		9,110,744		9,377,132		(266,387	)		9,193,686		(82,942	)
Banking account		8,865,057		9,111,322		(246,265	)		8,938,774		(73,717	)
Trust account		245,687		265,809		(20,121	)		254,912		(9,224	)
Securities		4,045,120		4,866,045		(820,924	)		4,497,950		(452,830	)
Banking account		4,041,835		4,862,672		(820,836	)		4,494,557		(452,721	)
Trust account		3,284		3,372		(88	)		3,392		(108	)

[Note] Amounts less than one million yen are rounded down

- 44 -

Chuo Mitsui Trust Holdings, Inc.

(The Chuo Mitsui Trust and Banking Company, Limited)

The Chuo Mitsui Trust and Banking Company, Limited

Consolidated Balance Sheets

	(Millions of yen)
Items	End-Sep.2010 (A)			End-Sep.2009 (B)			Change (A-B)			End-Mar.2010 (Summary)(C)			Change (A-C)
ASSETS
Cash and due from banks		212,046			235,617			(23,570	)		249,857			(37,810	)
Call loans and bills bought		5,056			3,565			1,491			9,884			(4,828	)
Receivables under securities borrowing transactions		11,938			5,932			6,006			1,521			10,417
Monetary claims bought		97,510			107,741			(10,230	)		98,818			(1,307	)
Trading Assets		18,929			22,747			(3,817	)		22,778			(3,848	)
Money held in trust		2,270			4,762			(2,492	)		2,234			35
Securities		3,954,870			4,790,158			(835,288	)		4,414,926			(460,056	)
Loans and bills discounted		8,867,944			9,115,054			(247,109	)		8,941,948			(74,004	)
Foreign exchanges		716			745			(29	)		767			(50	)
Other assets		300,951			310,333			(9,382	)		412,807			(111,855	)
Tangible fixed assets		124,733			125,706			(972	)		125,162			(428	)
Intangible fixed assets		27,292			25,875			1,417			27,361			(68	)
Deferred tax assets		140,521			157,230			(16,708	)		147,841			(7,319	)
Customers’ liabilities for acceptances and guarantees		352,067			419,395			(67,327	)		384,117			(32,049	)
Allowance for loan losses		(46,700	)		(63,893	)		17,192			(53,370	)		6,670
Total assets		14,070,149			15,260,971			(1,190,822	)		14,786,655			(716,506	)
Liabilities
Deposits		8,937,502			8,727,574			209,928			8,765,290			172,212
Negotiable certificates of deposit		303,170			643,900			(340,730	)		362,190			(59,020	)
Call money and bills sold		178,493			229,050			(50,557	)		217,161			(38,668	)
Payables under repurchase agreements		—			255,326			(255,326	)		—			—
Payables under securities lending transactions		1,638,268			1,354,655			283,613			1,702,697			(64,429	)
Trading liabilities		8,538			7,228			1,309			7,911			626
Borrowed money		445,874			1,352,004			(906,130	)		1,217,246			(771,372	)
Foreign exchanges		—			—			—			21			(21	)
Bonds payable		227,741			219,992			7,748			234,750			(7,009	)
Due to trust accounts		873,256			1,113,645			(240,388	)		995,612			(122,356	)
Other liabilities		362,001			218,107			143,893			163,570			198,430
Provision for bonuses		2,607			2,586			20			2,643			(35	)
Provision for retirement benefits		1,623			1,562			61			1,592			31
Provision for directors’ retirement benefits		872			999			(126	)		1,115			(242	)
Provision for contingent losses		13,230			11,459			1,770			12,022			1,208
Deferred tax liabilities		3,304			6,964			(3,659	)		5,345			(2,040	)
Acceptances and guarantees		352,067			419,395			(67,327	)		384,117			(32,049	)
Total liabilities		13,348,552			14,564,452			(1,215,899	)		14,073,289			(724,736	)
Net assets
Capital stock		399,697			399,697			—			399,697			—
Capital surplus		149,011			149,011			—			149,011			—
Retained earnings		166,183			114,757			51,425			142,334			23,848
Shareholders’ equity		714,892			663,466			51,425			691,044			23,848
Valuation difference on available-for-sale securities		17,710			47,368			(29,658	)		34,968			(17,257	)
Deferred gains or losses on hedges		3,639			177			3,462			1,891			1,748
Revalution reserve for land		(15,532	)		(15,532	)		—			(15,532	)		—
Foreign currency translation adjustments		(2,002	)		(1,464	)		(537	)		(1,738	)		(264	)
Valuation and translation adjustments		3,814			30,548			(26,733	)		19,588			(15,773	)
Minority interests		2,888			2,504			384			2,733			155
Total net assets		721,596			696,519			25,076			713,366			8,229
Total liabilities and net assets		14,070,149			15,260,971			(1,190,822	)		14,786,655			(716,506	)

[Note] Amounts less than one million yen are rounded down

- 45 -

Chuo Mitsui Trust Holdings, Inc.

(The Chuo Mitsui Trust and Banking Company, Limited)

The Chuo Mitsui Trust and Banking Company, Limited

Consolidated Statements of Income

	(Millions of yen)
Items	1H FY2010 (A)		1H FY2009 (B)			Change (A-B)			FY2009 (Summary)
Ordinary income		157,517		160,088			(2,570	)		321,395
Trust fees		5,871		9,111			(3,240	)		15,713
Interest income		80,979		91,595			(10,615	)		181,389
Interest on loans and discounts		54,658		62,187			(7,529	)		122,029
Interest and dividends on securities		23,559		27,947			(4,387	)		55,379
Fees and commissions		38,584		34,441			4,142			70,922
Trading income		1,494		926			568			2,592
Other ordinary income		23,567		15,002			8,565			27,505
Other income		7,020		9,011			(1,991	)		23,273
Ordinary expenses		112,810		131,629			(18,818	)		250,007
Interest expenses		30,711		35,638			(4,926	)		68,800
Interest on deposits		21,039		22,850			(1,810	)		44,974
Fees and commissions		5,367		5,240			126			11,677
Trading expenses		40		—			40			—
Other ordinary expenses		4,852		3,355			1,497			8,318
General and administrative expenses		58,524		63,669			(5,145	)		126,184
Other expenses		13,313		23,725			(10,411	)		35,026
Ordinary profit		44,707		28,459			16,247			71,388
Extraordinary income		7,502		1,913			5,589			2,579
Extraordinary loss		2,532		201			2,331			1,097
Income before income taxes		49,677		30,171			19,505			72,869
Income taxes-current		957		718			238			1,618
Income taxes-deferred		15,166		9,561			5,604			23,668
Total income taxes		16,123		10,280			5,843			25,287
Net income before minority interests		33,553		19,891			13,662			47,582
Minority interests in income		204		(58	)		262			54
Net income		33,349		19,950			13,399			47,527

[Note] Amounts less than one million yen are rounded down

- 46 -

Chuo Mitsui Trust Holdings, Inc.

(Chuo Mitsui Asset Trust and Banking Company, Limited)

Chuo Mitsui Asset Trust and Banking Company, Limited

Non-consolidated Balance Sheets

	(Millions of yen)
Items	End-Sep.2010 (A)			End-Sep.2009 (B)		Change (A-B)			End-Mar.2010 (Summary)(C)			Change (A-C)
ASSETS
Cash and due from banks		17,918			20,994		(3,076	)		12,851			5,067
Securities		89,186			89,180		5			89,185			1
Other assets		29,432			32,271		(2,839	)		31,631			(2,199	)
Tangible fixed assets		669			570		99			679			(9	)
Intangible fixed assets		3,675			3,324		350			3,711			(36	)
Deferred tax assets		2,547			1,816		731			2,254			293
Total assets		143,430			148,158		(4,728	)		140,313			3,116
Liabilities
Deposits		59			70		(11	)		96			(37	)
Call money		96,000			100,000		(4,000	)		89,000			7,000
Other liabilities		8,252			8,523		(270	)		7,944			307
Provision for bonuses		373			365		8			367			6
Provision for directors’ retirement benefits		165			137		27			158			7
Total liabilities		104,851			109,096		(4,245	)		97,566			7,284
Net assets
Capital stock		11,000			11,000		—			11,000			—
Capital surplus		21,246			21,246		—			21,246			—
Legal capital surplus		21,246			21,246		—			21,246			—
Retained earnings		6,334			6,812		(477	)		10,507			(4,172	)
Other retained earnings		6,334			6,812		(477	)		10,507			(4,172	)
Retained earnings brought forward		6,334			6,812		(477	)		10,507			(4,172	)
Shareholders’ equity		38,580			39,058		(477	)		42,753			(4,172	)
Valuation difference on available-for-sale securities		(2	)		3		(5	)		(6	)		4
Valuation and translation adjustments		(2	)		3		(5	)		(6	)		4
Total net assets		38,578			39,061		(482	)		42,747			(4,168	)
Total liabilities and net assets		143,430			148,158		(4,728	)		140,313			3,116

[Note] Amounts less than one million yen are rounded down

- 47 -

Chuo Mitsui Trust Holdings, Inc.

(Chuo Mitsui Asset Trust and Banking Company, Limited)

Chuo Mitsui Asset Trust and Banking Company, Limited

Non-consolidated Statements of Income

	(Millions of yen)
Items	1H FY2010 (A)			1H FY2009 (B)			Change (A)-(B)			FY2009 (Summary)
Ordinary income		21,406			21,852			(445	)		44,087
Trust fees		17,514			17,443			70			35,186
Interest income		59			112			(53	)		198
Interest and dividends on securities		55			106			(50	)		187
Fees and commissions		3,810			4,279			(468	)		8,662
Other income		22			16			6			39
Ordinary expenses		15,529			14,973			555			30,942
Interest expenses		54			86			(32	)		151
Fees and commissions		6,521			5,533			987			11,885
General and administrative expenses		8,946			9,333			(387	)		18,845
Other expenses		7			20			(12	)		59
Ordinary profit		5,877			6,878			(1,000	)		13,145
Extraordinary loss		292			0			291			51
Income before income taxes		5,585			6,877			(1,292	)		13,093
Income taxes-current		2,554			3,342			(788	)		6,294
Income taxes-deferred		(296	)		(557	)		260			(988	)
Total income taxes		2,258			2,785			(527	)		5,306
Net income		3,327			4,092			(764	)		7,787

[Note] Amounts less than one million yen are rounded down

- 48 -

Chuo Mitsui Trust Holdings, Inc.

(Chuo Mitsui Asset Trust and Banking Company, Limited)

Chuo Mitsui Asset Trust and Banking Company, Limited

Statements of Trust Account (Non-consolidated)

	(Millions of yen)
Items	End-Sep.2010 (A)		End-Sep.2009 (B)		Change (A-B)			End-Mar.2010 (C)		Change (A-C)
Securities		78,193		80,241		(2,048	)		79,217		(1,024	)
Beneficial rights of trust		29,636,421		27,068,941		2,567,479			29,356,043		280,378
Money claims		1,496,317		1,438,178		58,138			1,528,621		(32,303	)
Cash and due from banks		20,743		20,498		245			19,326		1,417
Total assets		31,231,676		28,607,860		2,623,815			30,983,208		248,467
Money trusts		8,504,380		8,808,549		(304,168	)		8,594,372		(89,992	)
Pension trusts		6,643,151		6,591,218		51,932			6,749,433		(106,281	)
Investment trusts		11,642,896		8,915,356		2,727,539			11,222,499		420,396
Money entrusted, other than money trusts		342,431		373,041		(30,609	)		342,769		(338	)
Securities trusts		1,432,372		1,347,931		84,440			1,369,227		63,144
Money claim trusts		1,516,501		1,458,012		58,489			1,547,335		(30,833	)
Composite trusts		1,149,942		1,113,750		36,192			1,157,571		(7,628	)
Total liabilities		31,231,676		28,607,860		2,623,815			30,983,208		248,467

[Note] Amounts less than one million yen are rounded down

Chuo Mitsui Asset Trust and Banking Company, Limited

Comparison of major items (Non-consolidated)

	(Millions of yen)
Items	End-Sep.2010 (A)		End-Sep.2009 (B)		Change (A-B)			End-Mar.2010 (C)		Change (A-C)
Total funds		15,147,591		15,399,838		(252,247	)		15,343,902		(196,310	)
Deposits		59		70		(11	)		96		(37	)
Money trusts		8,504,380		8,808,549		(304,168	)		8,594,372		(89,992	)
Pension trusts		6,643,151		6,591,218		51,932			6,749,433		(106,281	)
Securities		167,379		169,422		(2,042	)		168,402		(1,022	)
Banking account		89,186		89,180		5			89,185		1
Trust account		78,193		80,241		(2,048	)		79,217		(1,024	)

[Note] Amounts less than one million yen are rounded down

- 49 -