Investor Presentaiton

Overall Image of the 11th Medium-term Management Plan Sustainability Policy Management Philosophy Purpose TOCH GN TOCHIGI BANK ■We will contribute to the creation of a prosperous regional community and aim to be a reliable bank. ■We will develop as a financially sound bank that can flexibly cope with a new era. ■We will create workplace that can provide job satisfaction. We continue to bring smiles and happiness to our customers' faces by resolving their problems to earn their gratitude in return. Long-term vision: A corporate group that co-creates the future of regional communities through "relationships" and "solutions" 11th Medium-term Management Plan "Implement new value offerings" 12th Medium-term Management Plan "Evolve new value offerings" 13th Medium-term Management Plan The 11th Medium-term Management Plan (For the fiscal year ending March 31, 2024 to the fiscal year ending March 31, 2026) Theme "Implement New Value Offerings" Key Measures Basic strategy 1: Strengthen earning power -Evolution (deepening) of regional financial business and reinforcement of earnings structure― Delivery of "highly specialized solutions" face to face directly and indirectly ■Deeper risk-taking and consulting capabilities starting with business feasibility assessments ■Total support for life design Promotion of DX ■Creation of demand by resolving regional issues Key Measures Basic strategy 2: Strengthen systems -Promotion of structural reforms and reinforcement of management base for the future- ■Revamp of the sales system/branch system depending on area characteristics ■Enhancement of sustainability promotion system -Creation of new businesses and services- Sophistication of risk management ■Reinforcement of the Group governance ■Enhancement of capital strategy and shareholder returns policy Basic strategy 3: Strengthen human capital investment -Foundation of sustainable management- ■Cultivation of the "Tochigin mindset" ■Improvement of internal environment Enhancement of human resource development ■Cultivation of a new organizational culture/climate 21

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