Economic Indicators and Efforts for Sustainability

Cross-Sectional Efforts Supporting Business Strategies _ Personnel Development Plan Improving Base Skills Implementing various measures based on three key points to improve the "base skills" of each employee (1) Personnel with an Area of Expertise Revised personnel system (October 2022) → Classify specialized skills into eight career fields Special skills Corporation Individual Ship Market Technology Planning Risk management Support Human resource development in cooperation with specialized departments Digital Innovator Certification 861 persons Digital Business Basic Workshop 47 persons - Improving Special Skills Departments in charge play a central role in the development, and employees may be dispatched to specialized institutions, including those outside the Group, to improve special skills and deliver greater value Corporation/Individual/Ship/Planning Dispatching employees for corporate academy training Training program for young employees Dispatching employees on assignments outside the Group → Acquisition of external expertise Technology ✓ Market Short-term dispatch training in the Funds Operation & Securities Division Securities analyst certification holders →74 persons (As of September 2022) Planning (Digital Business) Redefine and clarify development policies "Starter," "Operating Personnel," and "High Level Personnel" Conducting level-based development measures → Basic workshop, practical training, e-learning, etc. Basic operation knowledge and skills/Finance Base and IT literacy/Business skills/Common sense Skills and morals, etc. Enhancement of short-term dispatch trainings, etc. Accumulated number of examinees ✓ Expanding the scope to Regional Vitalization Division and Shikoku Alliance Securities from fiscal 2022 Accumulated number of trainees ✓ Providing for employees of 8 divisions and companies, in addition to the existing 6 divisions, an opportunity to attend training, as well as autonomously consider their own career development (2) Establishment of an Environment Which Facilitates Autonomous Learning Expansion of online learning tools Making workshops online ☑ Start of shorter classes on demand New initiatives Introduction of education and training apps for all new employees Developed and started trial of skill map for visualizing skills ✓ Formulated guides for each career field Copyright 2022 lyogin Holdings, Inc. All Rights Reserved. (3) Responses to Diversifying Careers Introducing training programs by business (field) open to all employees Promotion of challenges to advanced qualifications (Small and Medium Enterprise Management Consultant, MBA, 1st-grade CFP, etc.) ✓ Continuation and expansion of qualification acquisition incentive system Started trial of one-on-one meetings to improve quality of communication and ensure opportunities Attending cloud-related training Improving IT-related skills Skill Compass Level 3 or higher → Improving the skills of developers Strengthen human resource development and initiatives across the Group Conduct level-based workshops for all Group companies ✓ Jointly conduct from April 2022 (Number of trainees at Group companies (excluding the Bank): 54) Expanded the scope of short-term dispatch trainings to Group companies apart from the Bank ✓ Added Shikoku Alliance Securities in June 2022 Establish a group-wide development system and strengthen initiatives Banking Securities Guarantee Systems Capital Lease Think tank Credit cards Create and provide diversified value - 30-

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