Investor Presentaiton

The 11th Medium-term Management Plan Numerical Targets Long-term target for ROE is 5% or higher. Profitability indicators Item Profit (Profit attributable to owners of parent) Core net business profit (excluding gains (losses) on cancellation of investment trusts) TOCH GN TOCHIGI BANK Target in Final Fiscal Year (ending March 31, 2026) Fiscal Year Ended March 31, 2023 Results Fiscal Year Ended March 31, 2020 Results ¥5.5 billion ¥2.6 billion ¥1.8 billion or more ¥8.5 billion ¥7.9 billion ¥5.1 billion or more ROE (Consolidated, based on shareholders' 3.0% or higher equity) Efficiency OHR indicators 1.53% 1.12% (Based on gross operating profit (excluding gains (losses) on the sale of bonds and from cancellation of investment 72% level 72.86% 82.06% trusts)) Capital adequacy ratio (Consolidated) 11% level 11.85% 11.17% Soundness indicator Definition of indicators Profit (Consolidated): Profit attributable to owners of parent ■Core net business profit (excluding gains (losses) on cancellation of investment trusts): Net business profit + Provision to general allowance for loan losses - Gains (Losses) on sale of bonds - Gains (Losses) on cancellation of investment trusts ■ROE: Profit (Consolidated) ÷ Equity capital × 100 ■OHR: Expenses ÷ Gross operating profit (excluding gains (losses) on the sale of bonds and from cancellation of investment trusts) × 100 ■Capital adequacy ratio (Consolidated): Equity capital (Consolidated) / Risk assets (Consolidated) 22 22

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