Investor Presentaiton

Basic strategy 2: Strengthen systems -Promotion of structural reforms and reinforcement of management base for the future- 2-2 New Business Strategy -Enhancement of sustainability promotion system (Creation of new businesses and services)― TOCH GN TOCHIGI BANK The deregulation of the Banking Act has made it possible to provide new businesses and services that go beyond the conventional business framework. New business initiatives play an important role in our growth strategy. We will work to create a variety of new services, such as through collaboration with highly specialized companies outside the Group as well as with companies within the Group. Business Model Sustainability Promotion WG Regional Analysis Section Dialogue Resolving Tochigi Bank Group companies Local government Dialogue specific issues External consulting firms Regional companies Tochigi Bank Regional Platforms Tochigi Bank Regional companies Local government Educational institutions Business ideas Regional issues and needs (Voices of local governments and businesses, economic indicators, local government policies) Materializing new businesses and services 29 29

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