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Friday 29 July, 2005

Daiwa Secs Grp Inc

1st Quarter Results

Daiwa Securities Group Inc
29 July 2005



+813-3243-2100
2-6-4 Otemachi, Chiyoda-ku
Tokyo 100-8101, Japan
(URL http://www.daiwa.jp/ir/english/)

                                                                   July 29, 2005

                      Consolidated financial summary

                  (For the first quarter ended June 30, 2005)



1. (1) Change in accounting policy: None
   (2) Change in scope of consolidation and equity method: None

Scope of consolidation and equity method
Consolidated subsidiaries: 46 companies
Affiliates applicable of equity method: 5 companies



2. Consolidated financial results (from April 1, 2005 to June 30, 2005)
(Note) All figures in the financial statements are rounded down to the nearest
millionth.
 '-' indicates a loss or negative figure.


(1) Operating results (from April 1, 2005 to June 30, 2005)

                                                   (Millions of yen except for per share data and yr/yr % change)
                            Operating revenues  Net operating revenues  Operating income      Ordinary income
First quarter (2005/6)        135,435    (8.6)%       91,282   (-9.7)%    21,404  (-34.6)%      23,800  (-30.4)%
First quarter (2004/6)        124,660   (11.3)%      101,058   (19.5)%    32,738   (49.4)%      34,193   (44.4)%
Fiscal 2004 (2005/3)          519,337                390,432             114,887               120,433




                              Net income          Earnings/share         Fully diluted           Return on
                                                                         earnings/share    shareholders' equity
                                                                                              (annual basis)
First quarter (2005/6)       11,636  (-18.5)%           8.74      Yen        8.33      Yen         7.2         %
First quarter (2004/6)       14,284   (29.5)%          10.73      Yen       10.22      Yen         9.4         %
Fiscal 2004 (2005/3)         52,665                    39.03      Yen       37.36      Yen         8.4         %

(Note)

1. Equity in earnings

First quarter (2005/6): 158 million yen  First quarter (2004/6): 115 million yen
Fiscal 2004 (2005/3): 1,893 million yen

2. Average number of shares outstanding (shares)

First quarter (2005/6): 1,330,593,553  First quarter (2004/6):1,330,720,666
Fiscal 2004 (2005/3): 1,330,674,648





(2) Financial conditions

                                                       (Millions of yen except for per share data and percentage)
                            Total assets        Shareholders' equity      Shareholders'     Shareholders' equity
                                                                                                   /share
                                                                           equity ratio
As of Jun. 30, 2005          12,453,733               650,923                  5.2        %         489.20   Yen
As of Jun. 30, 2004                10,871,681         610,102                  5.6        %         458.47   Yen
As of Mar. 31, 2005          12,378,961               648,332                  5.2        %         486.70   Yen

(Note)

Number of shares outstanding (shares)

As of Jun. 30, 2005 : 1,330,584,470  As of Jun. 30, 2004 : 1,330,715,469  As of
Mar. 31, 2005 : 1,330,602,933



(Note) The Group's principal business is securities business, and the
performance is influenced by the economic and market environment.  Therefore,
the Group doesn't disclose the estimated operating result, considering the
difficulty to forecast the performance.



Representative: Shigeharu Suzuki, President

Contact:       Hironaka Takada, General Manager, Finance Department
               Phone: +813-3243-2100




Information on Group Companies



Daiwa Securities Group Inc. (the 'Company') and its related companies, 46
consolidated subsidiaries and 5 affiliates applicable of equity method
(collectively the 'Group'), predominantly operate in the investment and
financial segment, focusing on securities businesses such as trading and
brokerage of securities and derivatives, underwriting of securities,
distribution of securities, private offering of securities and other business
related to the securities and financial fields.  The Group provides wide range
of services, to meet the worldwide customer needs for raising and investing of
funds through its global networks linking major financial markets in Japan,
America, Europe and Asia and Oceania.





Investing and financial services business (Parent, 46 consolidated subsidiaries
and 5 affiliates applicable of equity method)
(Parent company)                                   Daiwa Securities Group Inc.
(Securities related and financial business)
Japan: 5 firms                                     Daiwa Securities Co. Ltd.
                                                   Daiwa Securities SMBC Co. Ltd.
                                                   Daiwa Securities SMBC Principal Investments Co. Ltd.
                                                   Daiwa Asset Management Co. Ltd.
                                                   Daiwa SB Investments Ltd.
Europe: 9 firms                                    Daiwa Securities SMBC Europe Limited

                                                   Daiwa Securities Trust and Banking (Europe) plc,
                                                   etc.
Asia and Oceania: 15 firms                         Daiwa Securities SMBC Asia Holding B.V.
                                                   Daiwa Securities SMBC H.K. Limited
                                                   Daiwa Securities SMBC Singapore Limited, etc.
America: 11 firms                                  Daiwa America Corporation
                                                   Daiwa Securities America Inc., etc.
(Other related business): 11 firms
Venture capital                                    NIF Ventures Co., Ltd.
Other related business: 10 firms                   Daiwa Institute of Research Ltd.
                                                   Daiwa Securities Business Center Co., Ltd.
                                                   Daiwa Property Co., Ltd., etc



Results of Operation and Financial Conditions



a. Consolidated operating results for the first quarter of fiscal 2005



1. Summary of operating results for 3 months (comparison with the first quarter
of fiscal 2004)

Net operating revenues decreased 9.7% to 91,282 million yen mainly because
commissions and net gains on trading decreased.  Selling, general and
administrative expenses increased 2.3% to 69,878 million yen.  As a result,
ordinary income decreased 30.4% to 23,800 million yen and net income decreased
18.5% to 11,636 million yen.



(1) Commissions

(i) Brokerage commission

Brokerage commission decreased 35.5% to 17,756 million yen, because brokerage
commission in equity declined 35.7% to 17,467 million yen in line with a
decrease of 15.3% to 1,403.3 billion yen in daily average trading value on the
Tokyo Stock Exchange.



(ii) Underwriting commission

Underwriting commission derived from equity declined 68.1% to 2,501 million yen
because public offerings of listed companies diminished.  Underwriting
commission derived from fixed income increased 7.9% to 2,410 million yen.  As a
result, underwriting commission dropped 48.0% to 5,320 million yen.



(iii) Distribution commission

Distribution commission grew 28.4% to 7,515 million yen because distribution
commissions in investment trust increased 35.2% to 6,949 million yen, due to an
increase in commission arising from sale of beneficiary certificate.



(iv) Other commission

Other commission in investment trust increased 27.4% to 7,702 million yen
primarily due to an increase in trust fee in line with expanded outstanding
balance of equity-related beneficiary certificate, and other commission in
investment banking increased due to contribution of M&A fee.  As a result, total
other commission increased 35.5% to 14,447 million yen.



(2) Net gains on trading

Net gains on trading in stock and other decreased 61.4% to 7,435 million yen.
Net gains on trading in bond, forex and other increased 22.5% to 28,369 million
yen.  As a result, total net gains on trading decreased 15.6% to 35,804 million
yen.



(3) Financial income

Interest and dividend income increased 120.4% to 42,965 million yen and interest
expenses increased 114.9% to 38,531 million yen.  Net financial income increased
182.2% to 4,434 million yen due to an increase in interests received on bonds.



(4) Selling, general and administrative expenses

Employees' compensation and benefits decreased 5.6% to 34,961 million yen due to
a decrease in accrued bonuses in line with operating result.  Commission and
other expenses, however, increased 30.2% to 13,748 million yen due to an
increase in advertisement expenses and bond commission paid.  As a result,
selling, general and administrative expenses increased 2.3% to 69,878 million
yen.





2. Operating results of overseas subsidiaries for the first quarter of fiscal
2005 (3 months)



Ordinary income by geographic area (millions of yen)


America                     Europe                 Asia & Oceania                  Total
  -72                        365                         394                        687







b. Financial conditions (comparison with March 31, 2005)



Total assets increased by 74,771 million yen to 12,453,733 million yen, because
trading assets and collateralized short-term financing agreements increased by
16,196 million yen and 130,725 million yen, respectively, while cash and
deposits decreased by 73,446 million yen.  Total liabilities increased by 74,561
million yen to 11,615,997 million yen, because collateralized short-term
financing agreements increased by 373,801 million yen, and trading receivable
(payables), net posted on the asset side as of March 31, 2005 was recorded on
the liabilities side in 211,429 million yen, while short-term borrowings
decreased by 475,392 million yen.





                          Consolidated balance sheets

     (millions of yen)                                    First quarter First quarter  Increase/    Fiscal 2004
                                                          Jun. 30, 2005 Jun. 30, 2004   Decrease   Mar. 31, 2005
                         Assets
Current assets:                                              12,013,642    10,325,304    1,688,337    11,936,024
Cash and deposits                                               325,242       473,373     -148,131       398,688
Cash segregated as deposits for regulatory purposes             140,734       115,643       25,091       153,516
Notes receivable and trade accounts receivable                    6,694         6,767          -72         8,635
Securities                                                       18,904        27,133       -8,229        15,037
Trading assets:                                               5,258,515     4,239,080    1,019,435     5,242,319
Trading securities and others                                 4,562,301     3,683,002      879,299     4,690,548
Derivative assets                                               696,214       556,078      140,136       551,771
Trading receivables, net                                              -             -            -         9,419
Private equity and other securities                             159,255        41,151      118,104       149,598
Less: Allowance for possible investment losses                   -6,803        -5,357       -1,446        -7,051
Other inventories                                                 1,982         1,097          885           816
Receivables related to margin transactions:                     338,545       261,205       77,339       312,144
Customer margin loans                                           145,577       122,041       23,536       126,686
Cash deposits as collateral for securities borrowed             192,967       139,164       53,803       185,457
Collateralized short-term financing agreements:               5,479,641     4,797,418      682,223     5,348,915
Cash deposits as collateral for securities borrowed           5,479,641     4,793,418      686,223     5,348,915
Receivables related to gensaki transactions                           -         4,000       -4,000             -
Receivables                                                      23,997        16,339        7,657        11,458
Securities failed to deliver                                    101,862       138,213      -36,350       130,176
Short-term loans receivable                                      77,019       100,383      -23,364        75,781
Accrued income                                                   21,166        16,284        4,881        17,463
Deferred tax assets-current                                       4,727        11,655       -6,928         9,076
Other current assets                                             62,525        85,287      -22,761        60,354
Less: Allowance for doubtful accounts-current                      -369          -372            3          -328
Non-current assets:                                             440,090       546,376     -106,286       442,937
Tangible fixed assets                                           137,209       141,664       -4,455       137,619
Intangible fixed assets                                          61,837        59,207        2,630        62,052
Investments and others:                                         241,043       345,504     -104,461       243,265
Investment securities                                           176,619       186,600       -9,980       178,163
Long-term loans receivable                                       11,716        11,401          314        11,681
Long-term guarantee deposits                                     23,060        25,386       -2,326        23,410
Deferred tax assets-non-current                                  12,050        32,689      -20,638        12,839
Other investments                                                25,403       101,323      -75,920        25,715
Less: Allowance for doubtful accounts-non-current                -7,807       -11,896        4,089        -8,546
Total assets                                                 12,453,733    10,871,681    1,582,051    12,378,961


                                                              First quarter       First   Increase/ Fiscal 2004
                                                                                quarter
                                                              Jun. 30, 2005               Decrease      Mar. 31,
         (millions of yen)                                                      Jun. 30,                   2005
                                                                                   2004
                         Liabilities
Current liabilities:                                             10,619,683   9,314,554   1,305,129  10,685,604
Notes payable and trade accounts payable                              2,814       2,407         406       3,369
Trading liabilities:                                              3,686,215   3,213,745     472,470   3,658,544
Trading securities and others                                     3,077,863   2,721,424     356,438   3,196,633
Derivative liabilities                                              608,352     492,320     116,031     461,911
Trading payables, net                                               211,429     149,109      62,320           -
Payables related to margin transactions:                            156,341     100,701      55,640     141,972
Payable to securities finance companies                               1,757       3,292      -1,535       2,981
Proceeds of securities sold for customers' accounts                 154,584      97,408      57,175     138,991
Collateralized short-term financing agreements:                   4,251,532   3,686,929     564,602   3,877,730
Cash deposits as collateral for securities loaned                 4,005,214   3,220,607     784,606   3,687,840
Payables related to gensaki transactions                            246,318     466,322    -220,003     189,890
Deposits received                                                   118,433     179,304     -60,870     110,415
Cash deposits received as guarantee                                  56,007      64,016      -8,009      53,302
Securities failed to receive                                         84,276     134,695     -50,419     138,288
Short-term borrowings                                             1,820,536   1,441,802     378,734   2,295,928
Commercial paper                                                    128,918     159,722     -30,803     200,220
Bonds and notes due within one year                                  33,098     128,312     -95,214     129,401
Income taxes payable                                                  9,437       2,486       6,951      10,596
Deferred tax liabilities-current                                      5,130         124       5,005         951
Accrued bonuses                                                       8,839      10,658      -1,818      22,811
Other current liabilities                                            46,670      40,537       6,132      42,071
Non-current liabilities:                                            990,663     769,644     221,019     850,180
Bonds and notes                                                     727,708     590,184     137,524     666,136
Convertible bonds                                                    79,985      79,986          -1      79,985
Long-term debt                                                      154,074      67,409      86,664      74,195
Deferred tax liabilities-non-current                                  5,891       8,947      -3,055       6,225
Retirement benefits                                                  19,280      17,283       1,996      19,173
Other non-current liabilities                                         3,723       5,834      -2,110       4,465
Statutory reserves                                                    5,649       5,220         429       5,650
Total liabilities                                                11,615,997  10,089,419   1,526,577  11,541,435
Minority interests                                                  186,812     172,159      14,653     189,193
                    Shareholders' equity
Common stock                                                        138,432     138,431           0     138,432
Capital surplus                                                     117,940     117,940           0     117,941
Retained earnings                                                   363,261     331,221      32,040     362,948
Net unrealized gain (loss) on securities, net of tax effect          37,571      30,964       6,606      35,674
Translation adjustments                                              -5,483      -7,749       2,265      -5,877
Treasury stock                                                         -799        -705         -94        -786
Total shareholders' equity                                          650,923     610,102      40,820     648,332
Total liabilities, minority interests and shareholders'          12,453,733  10,871,681   1,582,051  12,378,961
equity







                     Consolidated statements of operations


      (millions of yen)                                         First  First quarter         Yr/yr    Fiscal 2004
                                                              quarter
                                                                        Apr. 1, 2004             %   Apr. 1, 2004-
                                                               Apr. 1,             -
                                                               2005 -                       change  Mar. 31, 2005
                                                                       Jun. 30, 2004
                                                               Jun. 30,
                                                                  2005
Operating revenues:                                            135,435       124,660           8.6       519,337
Commissions                                                     45,039        54,299         -17.1       216,386
Net gain (loss) on trading                                      35,804        42,437         -15.6       151,117
Net gain (loss) on private equity and other securities (*1)      4,009             -             -             -
Net gain (loss) on private equity and other securities (*2)          -           950             -           171
Interest and dividend income                                    42,965        19,498         120.4       118,019
Other sales revenues                                             7,616         7,475           1.9        33,641
Interest expenses                                               38,531        17,926         114.9       103,676
Cost of sales                                                    5,621         5,675          -1.0        25,228
Net operating revenues                                          91,282       101,058          -9.7       390,432
Selling, general and administrative expenses:                   69,878        68,319           2.3       275,544
Commission and other expenses                                   13,748        10,559          30.2        46,720
Employees' compensation and benefits                            34,961        37,043          -5.6       142,751
Occupancy and rental                                             7,746         7,901          -2.0        32,697
Data processing and office supplies                              4,309         3,784          13.9        16,804
Depreciation expenses                                            5,551         5,458           1.7        22,129
Taxes other than income taxes                                    1,594         1,829         -12.9         6,755
Others                                                           1,966         1,743          12.8         7,685
Operating income                                                21,404        32,738         -34.6       114,887
Non-operating income:                                            2,705         2,439          10.9         7,909
Equity in earnings                                                 158           115          36.4         1,893
Others                                                           2,546         2,323           9.6         6,015
Non-operating expenses                                             308           984         -68.7         2,363
Ordinary income                                                 23,800        34,193         -30.4       120,433
Extraordinary gains                                                321           319           0.8         9,552
Extraordinary losses                                                 -           777             -        17,383
Income before income taxes and minority interests               24,122        33,734         -28.5       112,603
Income taxes-current                                             2,698           890         202.9        11,933
Income taxes-deferred                                            6,690        12,625         -47.0        28,233
Minority interest                                               -3,096        -5,933             -       -19,770
Net income                                                      11,636        14,284         -18.5        52,665

Net financial income included in net operating revenues          4,434         1,571         182.2        14,342



Note:

*1. Includes share of net income raised by the investments in limited
    partnerships and similar partnerships.

*2. Excludes share of net income raised by the investments in limited
    partnerships and similar partnerships.

The details are mentioned in 'Change in presentation'.









        Consolidated statements of capital surplus and retained earnings


                (millions of yen)                    First quarter   First quarter    Fiscal 2004
                                                     Apr. 1, 2005-   Apr. 1, 2004-   Apr. 1, 2004-
                                                     Jun. 30, 2005   Jun. 30, 2004   Mar. 31, 2005
Capital surplus
Beginning balance of capital surplus                       117,941          117,939       117,939
Increase in capital surplus                                      -                0             1
Conversion of convertible bonds                                  -                -             0
Net gains on sales of treasury stock                             -                0             1
Decrease in capital surplus                                      0                -             -
  Net losses on sales of treasury stock                          0                -             -
Ending balance of capital surplus                          117,940          117,940       117,941
Retained earnings
Beginning balance of retained earnings                     362,948          330,780       330,780
Increase in retained earnings:                              11,636           14,284        52,665
Net income                                                  11,636           14,284        52,665
Decrease in retained earnings:                              11,323           13,843        20,497
Cash dividends paid                                         10,644           13,307        19,960
Bonuses to directors                                           678              536           536
Ending balance of retained earnings                        363,261          331,221       362,948







Notes to consolidated financial statements

The consolidated financial statements of the Company for the first quarter ended
June 30, 2005 are prepared in accordance with the 'Cabinet Office Ordinance
Concerning Securities Companies' (Prime Minister's Office Ordinance and Ministry
of Finance Ordinance No. 32, 1998), and the 'Uniform Accounting Standards of
Securities Companies' (set by the board of directors of the Japan Securities
Dealers' Association, November 14, 1974), based on the 'Regulations of
Consolidated Financial Statements' (Ministry of Finance Ordinance No. 24, 1998)
and its Article 48 and 69.



Basis of consolidated financial statements

1. Scope of consolidation

Consolidated subsidiaries: 46 companies

Major companies:

Daiwa Securities Co. Ltd.
Daiwa Securities SMBC Co. Ltd.
Daiwa Asset Management Co. Ltd.
Daiwa Institute of Research Ltd.
NIF Ventures Co., Ltd.
Daiwa Securities Business Center Co. Ltd.
Daiwa Property Co., Ltd.
Daiwa Securities SMBC Europe Limited
Daiwa Securities Trust and Banking (Europe) plc
Daiwa America Corporation
Daiwa Securities America Inc.
Daiwa Securities SMBC Asia Holding B.V.
Daiwa Securities SMBC H.K. Limited
Daiwa Securities SMBC Singapore Limited

Each amount of total assets, operating revenues (or sales), net income
corresponding to equity holdings and retained earnings corresponding to equity
holdings of non-consolidated subsidiaries has little influence on the
consolidated financial statements and has little materiality as a whole.



2. Application of equity method

Affiliates applicable of equity method: 5 companies

Major companies:

Daiwa SB Investments Ltd.
Totan Holdings Co., Ltd.
The Tokyo Tanshi Co., Ltd.
Daiwa SMBC-SSC Securities Co. Ltd.

Each amount of net income corresponding to equity holdings and retained earnings
corresponding to equity holdings of both non-consolidated subsidiaries and
affiliates inapplicable of equity method has little influence on the
consolidated financial statements and has little materiality as a whole.

For affiliates applicable of equity method whose first quarter other than June
30, 2005, the financial statements for the relevant first quarter are reflected.



3. Fiscal period of subsidiaries

For subsidiaries with the first quarter ending other than June 30, 2005, the
financial statements for the relevant first quarter are employed and important
transactions occurred by discrepancies with closing account date are adjusted
for this consolidated financial statements.



4. Accounting policies

(1) Valuation of financial instruments and inventories

(i) Valuation of trading assets and liabilities

Trading assets and liabilities, including securities and financial derivatives
for trading purposes held by a securities company are recorded mainly on a trade
date basis in the consolidated balance sheet at either market or fair value.



(ii) Valuation of non-trading securities

The Group examines the intent of holding each securities and classifies those
securities as (a) debt securities intended to be held to maturity ('
held-to-maturity debt securities'), (b) equity securities issued by subsidiaries
and affiliated companies, or (c) all other securities not classified in any of
the above categories ('available-for-sale securities').



Held-to-maturity debt securities are stated at amortized cost.  Equity
securities issued by subsidiaries and affiliated companies are stated at
moving-average cost.  Available-for-sale securities with market value are stated
at market value, based on quoted market prices.  Realized gains and losses on
sale of such securities are computed using the moving-average cost.  Unrealized
gains and losses on these securities are reported, net of applicable income
taxes, as a separate component of the shareholders' equity.



Debt in available-for-sale securities for which a market value is not available,
are stated at the amortized cost, net of the amount considered not collectible.
Equity in available-for-sale securities for which a market value is not
available, are stated at the moving-average cost.





Of those securities with no fair value, investments in limited partnerships and
similar partnerships which are regarded as equivalent to securities by the
Article2 (2) of Securities Exchange Act in 2004, share of net income raised by
the partnership has been reflected on consolidated statements of operations of
last fiscal year and share of net unrealized profits and losses held by the
partnerships directly into stockholders' equity.



(iii) Valuation of other inventories

Cost method determined by the specific identification method is mainly applied.



(2) Depreciation of depreciable assets

(i)    Tangible fixed assets

Property and equipment are stated at cost.  The Company and domestic
consolidated subsidiaries compute depreciation principally by the
declining-balance method over estimated useful lives as stipulated by
Corporation Tax Law of Japan.  Depreciation for buildings purchased in Japan
after April 1, 1998 is computed by the straight-line method.  In overseas
consolidated subsidiaries, depreciation is mainly computed by the straight-line
method.

(ii)   Intangible fixed assets

Intangible fixed assets are generally amortized under the straight-line method.
The Company and domestic consolidated subsidiaries compute amortization over
estimated useful lives as stipulated by Corporation Tax Law of Japan, and over
internally estimated useful lives (5 years) for software of in-house use.



(3) Accounting policies for various provisions

(i)    Provision for doubtful accounts

Provisions for doubtful accounts are provided based on the estimated historical
default rate for normal loans, and based on individually assessed amounts for
doubtful accounts.

(ii)   Allowance for possible investment losses

Some consolidated subsidiaries provide the allowances based on estimated losses
on private equity and other securities held at the first quarter end, assessing
the financial conditions of investee companies.

(iii) Accrued bonuses

The Company and domestic consolidated subsidiaries follow the Japanese practice
of paying bonuses to employees in June and December.  Accrued employees' bonuses
represent liabilities estimated as of the balance sheet date.  Bonuses to
directors and corporate executive officers of the Company, which are subject to
approval at the Compensation Committee, represent liabilities as of the balance
sheet date.  Compensation Committee sets policies for deciding compensation of
individual directors and corporate executive officers and determines
compensation content for each individual.  The Chairman of the Board chairs the
committee, while three out of five committee members are outside directors.
Bonuses to directors of consolidated subsidiaries, which are subject to approval
at the shareholders' meeting, are accounted for as an appropriation of retained
earnings.

(iv)  Retirement benefits

The Company and most of domestic consolidated subsidiaries provide an unfunded
defined contribution plan to their employees in return for services rendered
each year, where the amount to be contributed to the individual employee's
account is defined by the plan.  Contributions by the Company and most of
domestic consolidated subsidiaries under the unfunded defined contribution plan
are accumulated on an annual basis and earn a guaranteed hypothetical return at
a rate predetermined by the Company and most of domestic consolidated
subsidiaries each year.



(4) Accounting for certain lease transactions

Financial leases, whose ownership does not transfer to the lessee at the end of
the lease term (non-capitalized finance leases) are not capitalized and are
accounted for in the same manner as operating leases.



(5) Hedging transaction

The Group states derivative financial instruments at fair value and recognizes
changes in the fair value as gains or losses unless the derivative financial
instruments are used for hedging purposes.  Valuation gains or losses on hedging
instruments are mainly deferred as assets or liabilities until the gains or
losses on the underlying hedged instruments are realized.  Interest received or
paid on interest swaps for hedging purposes is accrued without being
marked-to-market.  The premium or discount on forward foreign exchange for
hedging purpose is allocated to each fiscal term without being marked-to-market.



(6) Other material items

(i)    Accounting for consumption taxes

Consumption taxes are separately recorded.

(ii)   Deferred assets

Stock issue costs and bond issue costs are amortized in a lump sum when
incurred.

(iii) Consolidated tax payments system

Starting from fiscal 2004 ended March 31, 2005, the consolidated tax payments
system was applied, designating the Company and NIF Ventures as parent companies
of the consolidated tax payments.  Daiwa Securities SMBC has applied the
consolidated tax payments system as parent company since the year ended March
31, 2003.









Change in presentation

Regarding the investments in limited partnerships and a sort of partnerships
which are regarded as equivalent to securities by the Article2 (2) of Securities
Exchange Act, the profits and losses related to these investments had been
included in 'Interest and dividend income' until fiscal 2004, but those are
included in 'Net gain (loss) on private equity and other securities' since the
beginning of this fiscal year.  'Interest and dividend income' decreased by
2,567 million yen, due to this change in presentation.



Notes to consolidated balance sheets

1.     Accumulated depreciation of tangible fixed assets
      As of Jun. 30, 2005       As of Jun. 30, 2004       As of Mar. 31, 2005
       98,352 million yen       101,282 million yen        97,300 million yen

2.     Guarantee
      As of Jun. 30, 2005       As of Jun. 30, 2004       As of Mar. 31, 2005
        3,321 million yen         4,269 million yen         3,513 million yen


3.        Short-term and long-term borrowings include the subordinated
borrowings stipulated by Article 2 of the 'Cabinet Office Ordinance on the
Capital Adequacy Rule for Securities Companies' (Cabinet Office Ordinance No.
23, 2001).

Short-term borrowings
   As of Jun. 30, 2005       As of Jun. 30, 2004       As of Mar. 31, 2005
            -                    40,000 million yen        40,000 million yen

Long-term borrowings
   As of Jun. 30, 2005       As of Jun. 30, 2004       As of Mar. 31, 2005
      102,000 million yen             -                    20,000 million yen



Notes to consolidated statements of operations

Details of extraordinary gains/losses
 (million of yen)                                               First quarter    First quarter     Fiscal 2004
                                                                Apr. 1, 2005-    Apr. 1, 2004-    Apr. 1, 2004-
                                                                Jun. 30, 2005    Jun. 30, 2004    Mar. 31, 2005
Extraordinary gains:
Gain on sale of fixed assets                                                 -                7            2,000
Gain on liquidation of related companies                                     -                -              599
Gain on sale of investment securities                                      321              311            6,451
Reversal of reserve for securities transaction liabilities                   0                -                -
Reversal of reserve for financial futures transaction                        -                0                -
liabilities
Reversal of stock purchase warrant                                           -                -              501
Extraordinary losses:
Write-down of related companies stocks                                       -                -               40
Write-down of investment securities                                          -                -            3,430
Valuation loss of fixed assets                                               -                -              114
Loss on sale or disposal of fixed assets                                     -               93            1,535
Loss on liquidation of related companies                                     -                -              650
Loss on sale of investment securities                                        -              257              892
Loss on sale of loans receivable                                             -                -            7,595
Provision for doubtful accounts                                              -                -            1,638
Reorganization costs for overseas banking subsidiary                         -              338              779
Multiemployer pension plan settlement cost in consolidated                   -                -              188
subsidiaries
Provision for securities transaction liabilities                             -               87              517





Supplemental information for the first quarter of fiscal 2005



1. Breakdown of commissions

First quarter ended June 30, 2005 (A)
       (millions of yen)               Equity   Fixed income   Investment    Investment       Others       Total
                                                                                banking
                                                     (Bond)         trust
Brokerage commission                   17,467           251            38             -             -     17,756
Underwriting commission                     -             -             -         5,320             -      5,320
(Stock and other)                         (-)           (-)           (-)       (2,501)           (-)    (2,501)
(Bond and other)                          (-)           (-)           (-)       (2,410)           (-)    (2,410)
Distribution commission                     -             -         6,949           566             -      7,515
Other commission                          497           466         7,702         2,345         3,436     14,447
(Agency commission)                       (-)         (453)       (4,284)           (-)           (-)    (4,737)
Total                                  17,964           717        14,689         8,231         3,436     45,039



First quarter ended June 30, 2004 (B)
       (millions of yen)              Equity   Fixed income    Investment    Investment        Others      Total
                                                                                banking
                                                     (Bond)         trust
Brokerage commission                   27,171           312            60             -             -     27,544
Underwriting commission                     -             -             -        10,236             -     10,236
(Stock and other)                         (-)           (-)           (-)       (7,843)           (-)    (7,843)
(Bond and other)                          (-)           (-)           (-)       (2,232)           (-)    (2,232)
Distribution commission                     -             -         5,141           711             -      5,852
Other commission                          551           510         6,046         1,152         2,405     10,665
(Agency commission)                       (-)         (509)       (3,233)           (-)           (-)    (3,743)
Total                                  27,723           822        11,248        12,100         2,405     54,299



Yr/yr percentage change (First quarter ended Jun. 30, 2005 (A) / First quarter
ended Jun. 30, 2004 (B) - 1)
         (percentage)                 Equity     Fixed income   Investment    Investment      Others       Total
                                                                                banking
                                                      (Bond)         Trust
Brokerage commission                    -35.7         -19.5         -37.3             -             -      -35.5
Underwriting commission                     -             -             -         -48.0             -      -48.0
(Stock and other)                         (-)           (-)           (-)       (-68.1)           (-)    (-68.1)
(Bond and other)                          (-)           (-)           (-)         (7.9)           (-)      (7.9)
Distribution commission                     -             -          35.2         -20.4             -       28.4
Other commission                         -9.7          -8.6          27.4         103.4          42.9       35.5
(Agency commission)                       (-)       (-11.1)        (32.5)           (-)           (-)     (26.6)
Total                                   -35.2         -12.8          30.6         -32.0          42.9      -17.1



Fiscal 2004 ended March 31, 2005
       (millions of yen)               Equity  Fixed income   Investment     Investment      Others       Total
                                                                                banking
                                                     (Bond)         trust
Brokerage commission                   81,919         1,463           159             -             -     83,542
Underwriting commission                     -             -             -        54,743             -     54,743
(Stock and other)                         (-)           (-)           (-)      (44,659)           (-)   (44,659)
(Bond and other)                          (-)           (-)           (-)       (8,573)           (-)    (8,573)
Distribution commission                     -             -        19,687         3,597             -     23,285
Other commission                        1,967         2,800        25,793        12,828        11,425     54,815
(Agency commission)                       (-)       (2,748)      (14,014)           (-)           (-)   (16,763)
Total                                  83,887         4,263        45,640        71,170        11,425    216,386





2. Breakdown of net gains on trading
      (millions of yen)            First quarter     First quarter     Yr/yr % change   Fiscal 2004 (2005/
                                                                                              3)
                                        (2005/6)          (2004/6)
Stock and other                            7,435            19,285              -61.4             56,104
Bond, forex and other                     28,369            23,151               22.5             95,012
 (Bond and other)                       (20,566)          (17,228)             (19.4)           (62,407)
 (Forex and other)                       (7,802)           (5,922)             (31.7)           (32,605)
Total                                     35,804            42,437              -15.6            151,117



Quarterly consolidated statements of operations
              (millions of yen)                1st quarter  2nd quarter  3rd quarter  4th quarter   1st quarter
                                                    Apr. 1,      Jul. 1,      Oct. 1,      Jan. 1,  Apr.1, 2005-
                                                     2004-        2004-        2004-        2005-
                                                                                                      Mar. 31,
                                                   Jun. 30,     Sep. 30,     Dec. 31,     Mar. 31,       2005
                                                      2004         2004         2004         2005
Operating revenues                                 124,660      118,519      118,067      158,088      135,435
Commissions                                         54,299       53,116       46,702       62,268       45,039
Brokerage commission                                27,544       16,831       16,757       22,408       17,756
(Stock and other)                                   27,171       16,485       16,322       21,939       17,467
(Bond and other)                                       312          307          404          439          251
Underwriting commission                             10,236       17,299       11,801       15,405        5,320
(Stock and other)                                    7,843       15,001        9,822       11,991        2,501
(Bond and other)                                     2,232        1,751        1,764        2,824        2,410
Distribution commission                              5,852        4,155        5,617        7,659        7,515
(Beneficiary certificates)                           5,141        3,434        4,691        6,420        6,949
Other commission                                    10,665       14,829       12,524       16,795       14,447
(Beneficiary certificates)                           6,016        6,169        6,491        7,006        7,663
Net gain (loss) on trading                          42,437       33,831       30,452       44,397       35,804
(Stock and other)                                   19,285        9,606        5,635       21,577        7,435
(Bond and other)                                    17,228       18,431       18,216        8,531       20,566
(Forex and other)                                    5,922        5,794        6,600       14,288        7,802
Net gain (loss) on private equity                        -            -            -            -        4,009
and other securities (*1)
Net gain (loss) on private equity                      950          583          201       -1,563            -
and other securities (*2)
Interest and dividend income                        19,498       23,761       33,385       41,374       42,965
Other sales revenues                                 7,475        7,226        7,326       11,612        7,616
Interest expenses                                   17,926       23,145       30,466       32,137       38,531
Cost of sales                                        5,675        5,410        5,420        8,720        5,621
Net operating revenues                             101,058       89,963       82,180      117,230       91,282
Selling, general and administrative expenses:       68,319       67,640       66,002       73,581       69,878
Commission and other expenses                       10,559       11,779       11,295       13,086       13,748
Employees' compensation and benefits                37,043       34,199       33,472       38,036       34,961
Occupancy and rental                                 7,901        8,359        7,992        8,443        7,746
Data processing and office supplies                  3,784        4,223        4,225        4,571        4,309
Depreciation expenses                                5,458        5,426        5,486        5,758        5,551
Taxes other than income taxes                        1,829        1,751        1,617        1,556        1,594
Others                                               1,743        1,900        1,911        2,129        1,966
Operating income                                    32,738       22,322       16,177       43,649       21,404
Non-operating income                                 2,439        1,141        2,436        1,891        2,705
Non-operating expenses                                 984          397          591          389          308
Ordinary income                                     34,193       23,066       18,022       45,151       23,800
Extraordinary gains                                    319        1,883        2,043        5,307          321
Extraordinary losses                                   777        1,607        1,388       13,608            -
Income before income taxes and minority             33,734       23,341       18,676       36,850       24,122
interests
Income taxes-current                                   890          939          307        9,795        2,698
Income taxes-deferred                               12,625        7,384        6,683        1,539        6,690
Minority interests                                  -5,933       -5,136       -2,221       -6,479       -3,096
Net income                                          14,284        9,881        9,464       19,035       11,636

Net financial income included in net                 1,571          615        2,918        9,236        4,434
operating revenues

Note:

*1. Includes share of net income raised by the investments in limited
partnerships and similar partnerships.

*2. Excludes share of net income raised by the investments in limited
partnerships and similar partnerships.





                      Non-consolidated financial summary

                  (For the first quarter ended June 30, 2005)



(1) Operating results (from April 1, 2005 to June 30, 2005)

(Note) All figures in the financial statements are rounded down to the nearest
millionth.

 '-' indicates a loss or negative figure.

                                                  (Millions of yen except for per share data and yr/yr % change)
                                   Operating revenues           Operating income             Ordinary income
First quarter (2005/6)              22,842      (8.0)%           19,848     (11.7)%           20,877      (8.8)%
First quarter (2004/6)              21,148    (132.7)%           17,766    (221.7)%           19,186    (230.2)%
Fiscal 2004 (2005/3)                26,236                       13,884                       16,302


                                           Net income                 Earnings/share
First quarter (2005/6)                  20,942     (13.7)%             15.73         Yen
First quarter (2004/6)                  18,419    (220.4)%             13.84         Yen
Fiscal 2004 (2005/3)                    32,228                         24.21         Yen

(Note)

1. Average number of shares outstanding (shares)
First quarter (2005/6):             First quarter (2004/6): 1,330,730,164   Fiscal 2004 (2005/3):
1,330,603,051                                                               1,330,684,146

2. Change in accounting policies: None





 (2) Financial conditions
                                                       (Millions of yen except for per share data and percentage)
                             Total assets     Shareholders' equity       Shareholders'     Shareholders' equity/
                                                                                                   share
                                                                          equity ratio
As of Jun. 30, 2005              976,315             582,418                   59.7      %          437.71    Yen
As of Jun. 30, 2004           1,113,965              565,494                   50.8                 424.95
As of Mar. 31, 2005           1,088,665              573,115                   52.6                 430.71



(Note)

  1. Number of shares outstanding (shares)
As of Jun. 30, 2005: 1,330,593,968  As of Jun. 30, 2004: 1,330,724,967      As of Mar. 31, 2005: 1,330,612,431



  2. Treasury stock (shares)
As of Jun. 30, 2005: 1,142,204      As of Jun. 30, 2004: 1,010,291          As of Mar. 31, 2005: 1,123,741



(Note)

 The Company, the holding company for the Daiwa Securities Group, is influenced
by the performance of subsidiaries.

The subsidiaries' principal business is securities business, and the economic
and market environment affects their performance.  Therefore, the Company
doesn't disclose the estimated operating result, considering the difficulty to
forecast the performance.









                                 Balance sheets


                  (millions of yen)                    First quarter  First quarter        Increase/    Fiscal 2004
                                                       Jun. 30, 2005  Jun. 30, 2004        Decrease   Mar. 31, 2005
                       Assets
Current assets:                                               99,583        263,917         -164,334        227,816
Cash and deposits                                             45,453        179,047         -133,593        117,897
Short-term loans receivable                                   16,931         67,533          -50,602         87,369
Accounts receivable                                           23,420          7,720           15,700         17,728
Accrued income                                                11,239          1,531            9,707          1,845
Deferred tax assets-current                                    1,396          6,870           -5,474          1,886
Other current assets                                           1,140          1,214              -73          1,088

Non-current assets:                                          876,731        850,047           26,684        860,849
Tangible fixed assets                                         10,130         10,358             -227         10,187
Intangible fixed assets                                          698            819             -120            717
Investments and others:                                      865,902        838,869           27,033        849,944
Investment securities                                        656,954        656,297              656        658,209
Long-term loans receivable                                   188,426        144,183           44,242        171,406
Long-term guarantee deposits                                  12,474         27,808          -15,334         12,471
Others                                                         8,537         11,015           -2,478          8,351
Less: Allowance for doubtful accounts                           -489           -436              -52           -494

Total assets                                                 976,315      1,113,965         -137,650      1,088,665









                 (millions of yen)                      First quarter  First quarter     Increase/    Fiscal 2004
                                                        Jun. 30, 2005  Jun. 30, 2004     Decrease   Mar. 31, 2005
                    Liabilities
Current liabilities:                                          142,384        277,076     -134,692        263,444
Short-term borrowings                                          70,710         94,410      -23,700         67,710
Commercial paper                                                    -              -            -         25,000
Bonds and notes due within one year                                 -        108,400     -108,400        100,000
Collateralized short-term financing agreements                 67,435         68,966       -1,530         66,855
Income taxes payable                                               28             79          -50            138
Accrued bonuses                                                   246            315          -68            769
Stock purchase warrant                                              -            501         -501              -
Other current liabilities                                       3,962          4,405         -442          2,970
Non-current liabilities:                                      251,512        271,393      -19,881        252,105
Bonds and notes                                               126,900        120,000        6,900        124,900
Convertible bonds                                              79,985         79,986           -1         79,985
Long-term debt                                                 35,000         38,000       -3,000         37,000
Long-term cash deposits received as guarantee                   4,118         18,746      -14,628          4,100
Deferred tax liabilities-non-current                            1,244         10,347       -9,103          1,916
Retirement benefits                                             3,484          3,105          378          3,408
Other non-current liabilities                                     780          1,208         -427            793
Total liabilities                                             393,896        548,470     -154,574        515,549
                Shareholders' equity
Common stock                                                  138,432        138,431            0        138,432
Capital surplus                                               117,940        117,940            0        117,941
Additional paid-in capital                                    117,786        117,786            0        117,786
Other capital surplus reserve                                     153            153            0            154
Net gains on sales of treasury stock                              153            153            0            154
Retained earnings                                             299,707        282,254       17,453        289,409
Earned surplus reserve                                         45,335         45,335            -         45,335
General-purpose reserve                                       218,000        218,000            -        218,000
Unappropriated retained earnings                               36,372         18,918       17,453         26,074
(Net income for the current term)                            (20,942)       (18,419)      (2,523)       (32,228)
Net unrealized gain (loss) on securities, net of tax           27,136         27,573         -437         28,119
effect
Treasury stock                                                   -799           -704          -94           -786
Total shareholders' equity                                    582,418        565,494       16,923        573,115
Total liabilities and shareholders' equity                    976,315      1,113,965     -137,650      1,088,665










                            Statements of operations

  
                                                    First quarter   First quarter           Yr/yr     Fiscal 2004
                (millions of yen)                  Apr. 1, 2005 -  Apr. 1, 2004 -               %    Apr. 1, 2004 -
                                                    Jun. 30, 2005   Jun. 30, 2004          change   Mar. 31, 2005
Operating revenues:                                        22,842          21,148             8.0          26,236
Dividends from related companies                           22,120          19,127            15.6          19,136
Interest on loans to related companies                        694           1,109           -37.4           3,704
Other interest and dividend income                              -              27               -             100
Royalty on trademark                                            -             884               -           3,295
    Other                                                      28               -               -               -
Operating expenses:                                         2,994           3,382           -11.5          12,352
Selling, general and administrative expenses:               2,068           1,980             4.5           7,731
Commission and other expenses                                 485             179           171.0             917
Employees' compensation and benefits                          747             971           -23.0           3,650
Occupancy and rental                                          149             197           -24.4             681
Data processing and office supplies                           285             248            14.8             870
Depreciation expenses                                          87             107           -19.2             428
Others                                                        312             274            13.8           1,182
Interest expenses                                             925           1,401           -34.0           4,620
Operating income                                           19,848          17,766            11.7          13,884
Non-operating income                                        1,064           1,443           -26.2           2,669
Non-operating expenses                                         35              23            52.1             251
Ordinary income                                            20,877          19,186             8.8          16,302
Extraordinary gains                                            53             160           -66.7           9,149
Extraordinary losses                                            -              85               -           3,396
Income before income taxes                                 20,931          19,261             8.7          22,055
Income taxes-current                                         -504            -870               -          -8,064
Income taxes-deferred                                         492           1,712           -71.2          -2,109
Net income                                                 20,942          18,419            13.7          32,228
Unappropriated retained earnings-carryforward              15,429             498               -             498
Interim dividends                                               -               -               -           6,653
Unappropriated retained earnings                           36,372          18,918            92.3          26,074








Notes to financial statements

The financial statements of the Company for the first quarter ended June 30,
2005 are prepared in accordance with 'Regulations of Interim Financial
Statements' (MOF Ordinance No. 38, 1977).



Basis of financial statements

1.  Valuation of securities

(1) Subsidiary stocks and affiliated company stocks are valued at moving average
cost method.

(2) Other securities than subsidiary stocks and affiliated company stocks are
valued at fair value on the closing date with posting net unrealized gains net
of tax effect directly in shareholders' equity, if their fair value is
available.  The cost of those securities is based on moving average method.
Other securities are valued at moving average cost method if their fair value is
not available.  Of those securities with no fair value, investment limited
partnership and similar partnership which are regarded as equivalent to
securities by the Article2 (2) of Securities and Exchange Act, share of net
income raised by the partnership is reflected on statements of operations and
share of net unrealized profits and losses on securities held by the
partnerships are directly posted into shareholders' equity.



2.  Depreciation of depreciable assets

(1) Tangible fixed assets

The Company computes depreciation by the declining-balance method over estimated
useful lives as stipulated by Corporation Tax Law of Japan.  Depreciation for
buildings purchased in Japan after April 1, 1998 is computed by the
straight-line method.

(2) Intangible fixed assets, and investments and others

Intangible fixed assets are amortized under the straight-line method.  The
Company computes amortization over estimated useful lives as stipulated by
Corporation Tax Law of Japan, and over internally estimated useful lives (5
years) for software of in-house use.



3. Accounting for various provisions

(1) Provision for doubtful accounts

Provisions for doubtful accounts are provided based on the estimated historical
default rate for normal loans, and based on individually assessed amounts for
doubtful accounts.

(2) Accrued bonus

Accrued employees' bonuses represent liabilities estimated as of the balance
sheet date.  Bonuses to directors and corporate executive officers, which are
subject to approval at the Compensation Committee, represent liabilities as of
the balance sheet date.

(3) Retirement benefits

The Company provides an unfunded defined contribution plan to its employees in
return for services rendered each year, where the amount to be contributed to
the individual employee's account is defined by the plan.  Contributions by the
Company under the unfunded defined contribution plan are accumulated on an
annual basis and earn a guaranteed hypothetical return at a rate predetermined
by the Company each year.  As for the closed pension fund, accrued retirement
benefits for the portion of 3 months are provided based on the difference
between projected benefit obligation and fund fair value expected on March 31,
2006.



4. Accounting for certain lease transactions

Financial leases, whose ownership does not transfer to the lessee at the end of
the lease term (non-capitalized finance leases) are not capitalized and are
accounted for in the same manner as operating leases.



5. Hedging transaction

Interest received or paid on interest swaps for hedging purposes is accrued
without being marked-to-market.  The premium or discount on forward foreign
exchange for hedging purpose is allocated to each fiscal term without being
marked-to-market.



6. Other material items

(1) Accounting for consumption taxes

Consumption taxes are separately recorded.

(2) Deferred assets

Stock issue costs and bond issue costs are amortized in a lump sum when
incurred.

(3) Consolidated tax payments system

The consolidated tax payments system is applied.







Change in presentation

'Other interest and dividend income' and 'Royalty on trademark' which had been
separately presented until fiscal 2004 are included in 'Other' of Operating
revenues from the beginning of this fiscal year, due to lessened materiality in
amount.  'Other interest and dividend income' and 'Royalty on trademark' for the
first quarter of fiscal 2005 are 25 million yen and 3 million yen, respectively.



Notes to balance sheets



1. Accumulated depreciation of tangible fixed assets
      As of Jun. 30, 2005              As of Jun. 30, 2004              As of Mar. 31, 2005
       2,969 million yen                3,356 million yen                3,218 million yen

2. Guarantee
      As of Jun. 30, 2005              As of Jun. 30, 2004              As of Mar. 31, 2005
       8,803 million yen                14,844 million yen               8,969 million yen



3. Fair value of subsidiary and affiliated company stocks as of Jun. 30, 2005
(millions of yen)
                                                   Carrying value         Fair value       Difference
Subsidiary                                                 16,121             39,667           23,545
Affiliated company                                            274                546              272



Notes to statements of operations

Details of extraordinary gains/losses

                                                               (millions of yen)
                                                                  First quarter    First quarter     Fiscal 2004
                                                                  Apr. 1, 2005-    Apr. 1, 2004-    Apr. 1, 2004-
                                                                  Jun. 30, 2005    Jun. 30, 2004    Mar. 31, 2005
Extraordinary gains:

Gain on sale of fixed assets                                                  -                -               20
Gain on liquidation of related companies                                      -                -            5,529
Gain on sale of investment securities                                        53              160            3,098
Reversal of stock purchase warrant                                            -                -              501

Extraordinary losses:

Write-down of related companies' stocks                                       -                -               42
Write-down of investment securities                                           -                -            3,035
Valuation loss of fixed assets                                                -                -               52
Loss on sale or disposal of fixed assets                                      -               85              116
Provision for doubtful accounts                                               -                -              150










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