Investor Presentaiton

HIROSHIMA BANK 3. Retail business III. Business style of Hiroshima Bank Establish strong relationships with regional customers by following customers' needs in each life stage 20s 30s Age (Life event) Starting work Marriage/Children 40s 50s Children in school 60s 70s Retirement Opening account Asset ☐ formation Key transactions Salary receiving Credit card •Housing loan •Pension Educational loan •Retirement allowance Asset management Establish solid operational base Opening salary receiving account as a first step ) Enhance and deepen long-term relationship with regional customers Offering customers the widest range of innovative and valuable securities services Utsumiya Securities 50 55 % "Hirogin Utsumiya Securities Co., Ltd.," Started operation on Jan. 02 2008 ◆ Number of branches 25 (Hiroshima 15/Yamaguchi 6/Okayama :1/Others 3) ◆ Employees 240 (as of June 30, 2009) Hiroshima 50 % Bank 11

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