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Investor Presentaiton

➤➤➤[Theme 3] Establishment of a sustainable management base that supports customers 3. Improving Efficiency of Branch Office Operations and Branch Network Improving Efficiency of Branch Office Operations From April 2020 to November 2021 ATM outsourcing Concentration of administrative work at the Head Office Lending implementation Payment of Koshigaya city tax and tax on deposit interest - Seizure operations Introduction of multiple document scanner and establishment of middle office etc. By Fiscal Year 2023 ● Promotion of e-contract transactions ●Revision of lending administrative process ●Introduction of paperless management system for customer cash, checks, etc. Successfully reduced administrative work by roughly 18,500 hours/month (based on Nov. 2021 administrative volume survey) Plan to reduce administrative work by roughly 6,700 hours/month TOCH GN TOCHIGI BANK Improving Efficiency of Branch Network We are working to improve efficiency of the branch network through the BinB (Branch-in-Branch) format and streamlining branches (converting to personal bank branches). Trend in Number of Branch Locations 92 77 23 13 92 12 91 85 81 75 72 71 64 63 7 13 8 12 12 11 9 7 62 62 Full banks CON Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019 Mar. 31, 2020 Mar. 31, 2021 Mar. 31, 2022 Personal bank branches Satellite locations Managed to assemble and reallocate around 130 personnel by November 2021 * Plan to assemble nearly 50 personnel by fiscal 2023 Implement further improvements in productivity and strengthen earning power Pursue Shared ATMs with Ashikaga Bank, With Which We Share the Same Sales Area Secure and improve convenience for local customers and reduce ATM operating costs at the same time. [Phase 1] [Phase 2] (Aug. 2021 onward) Convert to shared ATMs at satellite locations along Orion Dori. Expense reduction results during 10th Medium-term Management Plan (compared to the fiscal year ended Mar. 31, 2020) Approx. 1.6 billion (Jul. 2022 through plan) Use the ATMs of E-net Co., Ltd. to share part of the ATMs outside of branches (from 10 locations initially to considering expansion in stages). 23
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