Investor Presentaiton

Basic strategy 1: Strengthen earning power -Evolution (deepening) of regional financial business and reinforcement of earnings structure- 1-1 Business Strategy TOCH GN TOCHIGI BANK -Delivery of "highly specialized solutions" face to face directly and indirectly— With investment for growth and strategic assignment of personnel, we will provide highly specialized solutions by deploying our human resources to "operations that only people can perform (through direct and indirect face-to-face channels)," which is one of our strengths. [What we want to achieve] Deliver "highly specialized solutions" face to face directly and indirectly Investment for Growth Invest ¥8.0 billion or more in total DX and systems Enhancement of non-face-to-face channels (alternative to branch (for 3 years) offices), customer contact points, and convenience ■Drastic reduction of administrative work (BPR) New Businesses and Group companies ■Investment in new business fields leading to solutions to regional environmental and social issues and a circular regional economy (PPA business, etc.) ■Equity investments in regional businesses Branch offices ■Diversification of branch office formats (streamlined branch office, etc.) ■Investment in elimination and consolidation of branch offices and area head office system Human resources Investment in human resource development (reskilling, etc.) ■Development of specialists (consulting, DX, FP, etc.) Utilization and hiring of external specialists Strategic Personnel Assignment Reassign 150 personnel in total (for 3 years) Increase of personnel by 20 employees in Corporate Business Division Reassignment of 30 employees from external relations with individuals to external relations in general Reassignment of 30 employees to area head offices Reassignment of 40 employees to Customers Center ■DX/IT section Group companies ■New business fields Utilizing/Leveraging Data Propose products and services timely and appropriately through each channel by utilizing and leveraging data. Non- face-to-face Direct face-to-face Indirect face- to-face Data Utilization Data Centralization DATA LAKE (online) Improve administrative efficiency and customer convenience Deepen transactions 24

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