Investor Presentaiton

Establishment of Purpose Purpose of the Tochigi Bank Group TOCH GN TOCHIGI BANK We continue to bring smiles and happiness to our customers' faces by resolving their problems to earn their gratitude in return. • Aspirations of the Group's Officers and Employees In the midst of drastic changes in the environment surrounding the regional community and economy, we have clearly stated our Purpose by having all officers and employees working together to reconsider the significance of the Tochigi Bank Group's existence in the regional community. The business and roles of the Tochigi Bank Group will change as the world changes, but all officers and employees of the Group will share the Purpose, which is the “unwavering significance of the Bank's existence," and all organizations and all officers and employees will move forward with their efforts in the same direction. Background of the Establishment of Purpose • The Group was founded as a mutual loan company, a type of common people's finance for mutual aid, to extend money to micro, small and medium-sized commercial and industrial enterprises (providing a credit creating function). ⚫ This aspiration has remained unchanged to this day. We have contributed to the development of the regional economy by fulfilling our financial intermediary function for the region and regional customers under our management philosophy of "We will contribute to the creation of a prosperous regional community and aim to be a reliable bank." • In a changing external environment, such as shrinking markets and advancing digitalization and IT, the Group is committed to close ties with its "regional customers." By establishing "face-to-face relationships" with the customers and "resolving their issues and problems," we aim to contribute to the development and growth of regional communities. . As time has gone by, the issues and problems of our customers have diversified. We have responded to the expectations of society by connecting information, people, and goods, rather than just providing financial support at the time of our founding. With advancing IT and DX technologies, it is expected that the number of points of contact between people will decrease. However, the Group's significance of existence lies in its commitment to close ties with the regional community by continuing to provide solutions to the problems of its customers. • We have decided our Purpose as such aspiration, which expresses the nature of the "Tochigin Group," including the "friendliness" that is one of the Bank's strengths and the "solutions to issues and problems" that the Bank has been working on. *The Purpose o the Tochigi Bank Group has been formulated based on "1,053" opinions submitted by officers and employees. 16

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