Investor Presentaiton

Basic strategy 3: Strengthen human capital investment -Foundation of sustainable management- 3-1 Human Resource Strategy (1) -Enhancement of human resource development- Expected type of personnel Personnel who can understand and put into practice important policies (who are strongly committed to contributing to customers and the community) Personnel who strive actively for their own growth Investment in Human Resources Total investment increase over 3 years: Annual training cost per employee: TOCH GN TOCHIGI BANK ¥370 million ¥40,000 (current) ⇒ ¥82,000 (after 3 years) Scheme for Human Resource Development Human Resource Development ■Development/implementation of reskilling measures ■Expansion of training and self-improvement contents ■Strategic secondment and assignment ■Support for specialized qualification acquisition External work experience as trainee ■Utilization of skills registration database, etc. Stronger support for improving knowledge and skills We encourage personnel to improve their skills through on- the-job training and the job rotation system and to take on next-level challenges by visualizing their skill levels. • We support the improvement of knowledge and skills by enriching e-learning contents and enhancing opportunities for self-improvement. Acquisition of Specialized Knowledge -Specialists for each strategy— Corporate Customer Strategy ■Industry specific consultants Structured finance specialists Business succession, M&A consultants DX/IT Strategy Data scientists, IT strategists IDX project managers, ICT consultants Individual Customer Strategy Financial planners Personnel who can share the concerns of our customers and support them in resolving issues for their maximum benefit New Business Strategy Self-directed personnel Personnel who have the courage to tackle new things and changes, and who can identify and solve problems Assignment Assignment to divisions that allow for leveraging the acquired knowledge Assignment of the right person to the right job ■Promotion of the advancement of women ■Strategic personnel assignment (reassignment) Overall picture Specialized personnel 2 to 5 people Core personnel 50 people Base personnel 500 people • Personnel with specialized knowledge, skills, and experience (data scientists, IT strategists, etc.) ⚫ Front-line personnel for DX/ICT service planning, execution, etc. (DX project managers, ICT consultants, etc.) • Personnel with basic knowledge of DX/IT 33

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