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Investor Presentaiton

Principal SDGs initiatives. ā—† Aiming to increase corporate value by creating shared value, including proactive support for the SDGs initiatives of local businesses and efforts to stimulate local industries through the creation of new businesses in the four prefectures The Hirogin Group SDGs statement (announced September 2019) SUSTAINABLE DEVELOPMENT GOALS 17 GOALS TO TRANSFORM OUR WORLD 1 2- 5 13 ACTION 14 15 16 (11 11 AB PARERUPS SUSTAINABLE DEVELOPMENT GOALS Community Ageing of society Human rights Environmental To achieve the Sustainable Development Goals (SDGs) adopted by the United Nations, the Hirogin Group will contribute to solutions to social and environmental challenges in our community and to sustainable growth by providing high value added financial services. Environmental protection initiatives Declaration of support for TCFD recommendations 13 CLIMATE ACTION We declared our support for TCFD recommendations in order to strengthen responses to climate change and enhance disclosure of information related to the risks and opportunities of climate change TCFD TASK FORCE CLIVATE-RELATED FNANCIAL DISCLOSURES TCFD recommendations: Published in June 2017 by the TCFD, a framework for appropriate evaluation by investors of corporate risks and opportunities related to climate change *1 Task Force on Climate-related Financial Disclosures 4 QUALITY DECENT WORK AND EDUCATION ECONOMIC GROWTH 11 SUSTAINABLE CITIES AND COMMUNITIES Creating shared value with local industries Launching the Hiroshima Open Accelerator 2019 project Investment in Hiroshima University's first authorized investment fund DECENT WORK AND INDUSTRY, INNOVATION ECONOMIC GROWTH AND INFRASTRUCTURE An initiative aiming to create new businesses among participating firms through open innovation linking management resources of companies in Hiroshima Prefecture with the services of startups nationwide Creating new businesses Local companies Platform provision Operation Startups Hiroshima Prefecture, Hiroshima Bank, Creww Inc. Investing in a fund intended to support startups rooted in results of research by Hiroshima University and other universities in Hiroshima Prefecture General partner HIROSHIMA VC Venture Capital GP investment Hiroshima University's first authorized investment fund Limited partners Hiroshima Bank and others Cooperation LP investment An investment fund to support startups from Hiroshima University and other universities in Hiroshima Prefecture Support Partner venture capitalists Investment Startups from universities in Hiroshima Prefecture Authori- zation Authorizing universities Hiroshima University and others Support for local firms' SDGs initiatives Bank-guaranteed private placement bonds (SDGs bonds) Introducing services to support SDGS initiatives Donations and contributions of up to 0.2% of the issued amount of private placement bonds, intended to contribute to local communities, and public relations concerning issuing firms' SDGs initiatives 37 issues/ Number of cases/amount (Actual results for November 2019 - March 2020) approx. 4.4 billion yen Checking on customer SDGs initiatives, providing returns, and publishing information on initiatives if so requested Number of cases (Actual results for January - March 2020) 40 [Reference: MSCI ESG rating*2] MSCI C BBB BB BB 2017 2018 2019 In recognition of the Bank's efforts, our ESG rating from MSCI rose one tier since last year to BBB. *2 MSCI ESG rating: Rating by MSCI of corporate ESG risk and related risk management on a scale from AAA to CCC 19
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