Investor Presentaiton

Basic strategy 2: Strengthen systems -Promotion of structural reforms and reinforcement of management base for the future- 2-1 Branch Strategy -Revamp of the sales system/branch system depending on area characteristics― TOCH GN TOCHIGI BANK In order to respond to changes in the market, such as a declining population, and changes in customer needs, we will enhance our initiatives to achieve efficient branch operations and resolve issues of the regional community and customers by revamping branch capabilities and locations depending on regional characteristics, while maintaining ties with customers by expanding various channels and advancing DX. Branch Strategy Introduce area head office system Speedy response to customers ■Reinforcement of initiatives to resolve issues in the regional community Expand streamlined branch offices Expansion of personal bank branches and purpose-built branches corresponding to regional characteristics Efficient branch operations while retaining customer convenience Open online branch Reinforcement of non-face-to-face sales through an internet branch (Aiming to open during the period of the Medium-term Management Plan) Sales system tailored to regional characteristics —Strengthen consulting sales- Achieve efficient branch operations and resolve issues of the regional community and customers Number of branch locations 75 Satellite locations Personal bank branches 66 Satellite locations Personal bank branches Full banks Full banks Sales System Financial Service Division Personal Loan Division Customer Service Center FS leader Money plan supporter Corporate Business Division Loan Plaza Corporate promotion leader Solution supporter Highly specialized consulting sales External relations (with both corporates and individuals) Consulting sales Head office offices Area head offices Branch 2023.3 2026.3 28

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