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Investor Presentaiton

Basic strategy 2: Strengthen systems -Promotion of structural reforms and reinforcement of management base for the future- 2-4 Group Strategy -Reinforcement of the Group governance— TOCH GN TOCHIGI BANK By fully leveraging the solution capabilities of each Group company to resolve customer issues, we will contribute to the sustainable growth of the region and thus enhance the Group's corporate value. Sustainable growth of the region Resolve issues for regional businesses and customers Improvement of the Group's corporate value The Tochigin Capital & Consulting, Ltd. Fully leverage solution capabilities Clean Energy Solutions, Ltd. Sophistication of consulting and equity fields TOCH The Tochigin Card Service, Ltd. Contribution to the realization of a cashless society The Tochigin Leasing Co., Ltd. GNTOCHIGI BANK Strengthen the Group governance Realization of a circular regional economy Tochigin Tokai Tokyo Securities Co., Ltd. The Tochigin Business Service, Ltd. Reinforcement of SDGs/ESG and relevant supports Promotion of thorough customer-oriented business operations and bank-securities company cooperation * The "∞" circle expresses infinite possibilities that the Group will co-create with the regional residents, including the circulation and sustainability of the people and region. The Tochigin Shuchu Jimu Center, Ltd. Improvement of efficiency through concentration of peripheral operations 31
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