Investor Presentaiton

Basic strategy 1: Strengthen earning power -Evolution (deepening) of regional financial business and reinforcement of earnings structure- 1-3 Individual Customer Strategy -Total support for life design― TOCH GN TOCHIGI BANK In addition to the medium and long-term asset formation support, we will offer consulting services that are firmly attuned to the life plans of each generation and provide life-long support for a wide range of customers' financial plans. Young Asset builders Middle-aged Seniors Life-long support utilizing direct face-to-face (external relations), indirect face-to-face (Direct Center, Customer Service Center), and non-face-to-face (online) channels. Asset Management Establish a business model based on stock-based revenue [Direct face-to-face] Deepen consulting sales Deliver tailor-made proposals targeting high-net-worth individuals/business owners [Indirect face-to-face] Utilize Customer Service Center Contribute to resolving issues for many customers by establishing a web-based interview system [Non-face-to-face] Promote Toshin Direct Expand the customer base by targeting young people and asset builders Personal Loan Establish a consultation system via a variety of channels [Direct face-to-face] Promote hybrid-type sales Establish sales structure combining direct and indirect face-to-face approaches [Indirect face-to-face] Utilize Direct Center Support many customers' financial needs via phone/web [Non-face-to-face] Enhance products online Expand products transacted completely on the web (e.g., loan contracts) Personal Loan KPI: Number of contracts (for 3 years) Asset management KPI 2023/3 2026/3 Balance of investment trusts ¥146.1 billion ¥230.0 billion With collateral Number of investment trust holders 66,815 holders Number of NISA accounts 28,919 accounts 70,900 holders 47,600 accounts Without collateral 5,400 contracts 16,500 contracts 26

View entire presentation