Investor Presentaiton

Contents Overview of Financial Results TOCH GN TOCHIGI BANK Key Measures in the 11th Medium-term Management Plan Overview of Financial Results Net Interest Income Core Net Business Profit Deposits and CDs Loans and Bills Discounted Deposit Assets P. 3 Basic strategy 1: Strengthen earning power P. 4 1-1 Business Strategy P. 24 P. 5 1-2 Corporate Customer Strategy P. 25 P. 6 1-3 Individual Customer Strategy P. 26 P. 7 1-4 DX Strategy P. 27 P.8 Basic strategy 2: Strengthen systems Securities P. 9 2-1 Branch Strategy P. 28 Expenses P. 10 2-2 New Business Strategy P. 29 Loans Based on P. 11 2-3 Sophistication of Risk Management P. 30 the Banking Act and Financial Reconstruction Act 2-4 Group Strategy P. 31 Shareholder Returns Policy P. 12 Capital Adequacy Ratio and Consolidated ROE P. 13 2-5 Capital Strategy and Shareholder Returns Policy Basic strategy 3: Strengthen human capital investment P. 32 Financial Results Forecast P. 14 3-1 Human Resource Strategy (1) 3-2 Human Resource Strategy (2) P. 33 P. 34 Purpose & Sustainability Management Establishment of Purpose P. 16 Establishment of Long-term Vision P. 17 Realization of Sustainability Management P. 18 Overview of the 11th Medium-term Management Plan Review of the Previous (10th) Medium-term P. 20 Management Plan Overall Image of the 11th Medium-term P. 21 Management Plan The 11th Medium-term Management Plan P. 22 Numerical Targets 1

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