Investor Presentaiton

(Reference) Comparison with other banks*1 (FY2019) (*1) Target... Top 16 first-tier regional banks, including FG and FH, in terms of amount of funds (deposits + NCD) and first-tier regional banks in Hiroshima, Yamaguchi, Ehime, Okayama, and Shimane prefectures Mebuki FG, Kyushu FG, Concordia FG, Nishi-Nippon FH, Kansai Mirai FG, Chiba Bank, 77 Bank, Fukuoka FG, Shizuoka Bank, Hachijuni Bank, Bank of Kyoto, Hokuhoku FG, Daishi Hokuetsu FG, San-in Godo Bank, Chugoku Bank, lyo Bank, and Yamaguchi FG Note: Data from calculations performed by Hiroshima Bank based on earnings briefings from each bank. FG/FH figures are simple aggregates of figures for banks under FG/FH control. Banking profit margins and changes therein Non-interest income ratio and its increase/decrease rate 0.35% 0.30% 0.25% 0.20% 0.15% Profit ratio Hiroshima Bank (Profit ratio: 0.28%, rate of change: -0.02%) 0.10% Average of top 16 banks 0.05% 0.00% -0.05% -0.10% -0.05% Banking profit margin = on customer service 0.00% 0.05% 37.0% Non-interest income ratio Hiroshima Bank (non-consolidated) 35.0% (Ratio: 31.5%, increase/decrease rate: -0.4%) 33.0% 31.0% Average of the 29.0% neighboring five banks 27.0% 0.10% 25.0% 23.0% YOY increase/ 21.0% decrease rate (% pt) 19.0% Loan balance x (loan interest rate - deposit rate) + fees and commissions income - operating expenses Average balance of deposits, etc. *2 (*2) Our bank uses the formula given below to calculate average deposit balances for banks that do not publish figures for average deposit balances. Average deposit balance + (beginning balance of NCDD + ending balance of NCD)/2 17.0% 15.0% -2.0% Non-interest income ratio = -1.0% 0.0% Including income from Hirogin Securities (Ratio: 34.9%, increase/decrease rate: -0.3%) 1.0% Average of top 16 banks Average of the neighboring five banks 2.0% YOY increase/ decrease rate (% pt) 3.0% Fees and commissions income + segregated trading income + other banking income (excluding bonds-related gains/losses) Core gross banking profit 25

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