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Investor Presentaiton

Initiatives in Sustainability (2) Sustainability Policy, etc. Formulated the Sustainability Policy in December 2021 Sustainability Policy The Tochigi Bank Group considers environmental and social issues and pursues a virtuous cycle for local economies through our business activities, based on our management philosophy. We will contribute to sustained development of local communities and all stakeholders and achieve sustained enhancement of the corporate value of the Group. TOCH GN TOCHIGI BANK Formulated the Three Basic Policies, Based on the Sustainability Policy Environmental Policy Basic View The Tochigi Bank Group aims to contribute to the creation of abundant local communities and sustained enhancement of corporate value. We continue to pursue initiatives that target solutions to climate change and other environmental issues to achieve these goals. Human Rights Policy Basic View The Tochigi Bank Group aims to contribute to the creation of abundant local communities and be a trusted corporate group. We therefore respect the Universal Declaration of Human Rights and other international standards and respect the basic human rights of our customers, employees, and all other stakeholders. Established the Sustainability Promotion Committee Board of Directors Reports Supervises Sustainability Promotion Committee Specifies significant issues related to sustainability Plans, formulates, and sets targets for concrete measures related to sustainability Ascertains progress, verifies benefits, and guides initiatives involving measures related to sustainability Handles other matters deemed necessary from the perspective of sustainability Investment & Lending Policy aimed at creating a sustainable society Basic Policy The Tochigi Bank Group supports improvement and sustained growth in the medium and long-term corporate value of our customers. We accomplish this by actively supporting initiatives that target solutions to environmental and social issues through our investment and lending services. We also exercise prudent judgment concerning investment in and lending to business operators that have a substantial impact on the environment and society, and endeavor to mitigate and avoid such impacts through prudent decisions. 26
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