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Investor Presentaiton

To be your Bank of choice Strategies to be Taken by Regional Banks To achieve sustainable growth amid a tough business environment, each regional bank need to select an optimum strategy from among a variety of combinations based on its own unique factors. Although various options are available, it is important that the chosen strategy result in an improvement in the value of business base (foundation for growth). Analysis of present situation Key strategic options Development of new Stand- External environment Opportunities and Threats alone business Demographic trends Niche strategies Structural reforms ► Local economic trends Structure of industry ► Regulatory movements ▸ Market share Competitive situation Customer needs Internal environment Strengths and Weaknesses ► Customer base ► Products and services ► Channels ► Systems ▸ Organization, human resources Corporate culture FFG Fukuoka Financial Group Strategic business alliances ► Playing complementary roles Mutual cooperation Objectives O Differentiation from other banks O Breakaway from the interest rate competition O Diversification of revenue sources ○ Strengthening of competitiveness ○ Risk sharing [Goal] Improve value of business base (Franchise Value) Increase scale and activities of business (business base) || Increase number of customers + Economies of scale Elimination of Increase volume of business ▸ Merger ▸ Management integration via a holding company excessive system competition Alliance Inclusion as subsidiary 8
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