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Investor Presentaiton

TOCH GN TOCHIGI BANK Review of the Previous (10th) Medium-term Management Plan Key Numerical Targets and Results 10th Medium-term Management Plan Item 2020/3 Target in Final Fiscal Year 2021/3 2022/3 2023/3 Profit (Consolidated) ¥1.8 billion ¥2.5 billion or more ¥2.0 billion ¥3.6 billion ¥2.6 billion Core net business profit (excluding gains (losses) on cancellation of ¥5.1 billion ¥6.0 billion or more ¥5.8 billion ¥7.4 billion ¥7.9 billion investment trusts) Capital adequacy ratio 11.17% 10% level 11.90% 12.06% 11.85% (Consolidated) Key Themes and Results Theme 1: Enhancement of value offered to customers by making the most of our consulting function Theme 2: Development of customer-oriented human resources 2020/3 2023/3 Initiatives aimed at promoting the advancement of women Target 2026/3 Result 2023/3 Business matching (Annual) 498 agreements (Annual) 666 agreements agreements concluded Investment trust balance ¥89.0 billion ¥146.1 billion Percentage of female workers in managerial positions (deputy investigator) or higher 16% or higher 11.7% Theme 3: Establishment of a sustainable management base that supports customers Improving Efficiency of Branch Office Operations ATM outsourcing ■Concentration of administrative work at the Head Office, etc. Improving Efficiency of Branch Network => Number of Branch Locations: 85 branches (2020/3) ⇒ 75 branches (2023/3) Number holding specialized qualifications (2023/3) Reduction of administrative work SME Management Consultants 11 people 200,000 hours/year Management Consultants 37 people 1st-grade Certified Skilled Professional 47 people of Financial Planning (CSPFP) 20
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