Investor Presentaiton

Realization of Sustainability Management -Creation of demand by resolving regional issues― Sustainability Policy TOCH GN TOCHIGI BANK The Tochigi Bank Group considers environmental and social issues and pursues a virtuous cycle for regional economies through our business activities, based on our management philosophy. We will contribute to the sustained development of regional communities and all stakeholders and achieve sustained enhancement of the corporate value of the Group. Action Policy based on the Tochigi Bank Declaration on SDGs Creation of Demand by Resolving Regional Issues Achieving Local SDGs 1. Sustainable growth of QUTY IND 11 TU CEL T TOCH KONT 16 TRACE UNTER Local economy Tochigi Bank TOCHIGI regional economies Demonstrate financial intermediary functions in response to customer needs 2. Contribution to regional communities 4 BUCATION Contribute to the development and revitalization of regional communities 3. Regional environmental conservation 7 CLEARENCY 11 13 15 Reduce environmental load through environmentally friendly business activities 4. Active participation by diverse human resources 4 BUCATION REDUCES R 10 Improve work environments in order that all employees can play an active role with enthusiasm and job satisfaction Shop Positive impact Environmental protection Company Company City Hall Local community Respect for human rights Sustainability Targets ■Amount of sustainability finance ⇒ 85.0 billion yen or more by March 31, 2026 ■Number of regional issues resolved ⇒ 12 issues by March 31, 2026 ■CO2 emissions reduction ⇒ -70% by fiscal 2030 ■ Percentage of female workers in managerial positions ⇒ 16% or higher as of March 31, 2026 Percentage of male bank employees who take childcare leave ⇒ 80% or higher as of March 31, 2024 Sustained development of stakeholders Sustained enhancement of the corporate value of the Group 18

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