Investor Presentaiton

Group structure After the incorporation of Hirogin Holdings, to further enhance group cooperation and synergy, the four companies consisting of the Bank, Hirogin Securities, Shimanami Servicer, and Hirogin Capital Partners and our equity method affiliate Hirogin Lease will become direct investment companies of Hirogin Holdings. In addition, a series of new subsidiaries will be established to expand the operation axis still further, including commencement of studies on establishing an advanced banking service company in connection with IT-related businesses with a January 2021 target date, as announced this May 22. Current After incorporation of the holding company Lines of business The Hiroshima Bank Hirogin Business Service HIROGIN Hirogin Securities Hirogin HOLDINGS Holdings (100%) The Hiroshima Bank Banking (100%) Hirogin Business Service Printing, etc. Head office Shimanami Servicer 1-1-7, Nishikaniya, Minami-ku, Hiroshima-shi (100%) Hirogin REIT Management Asset management Stated capital 60,000 million yen Hirogin REIT Management Hirogin Capital Partners Incorporation date October 1, 2020 (100%) Hirogin Card Service Credit card business Fiscal year end March 31 (100%) Stock exchange for listing First Section of the Tokyo Stock Exchange Hirogin Guarantee Hirogin Card Service Credit guarantee business Share units 100 shares Hirogin Guarantee Non-consolidated subsidiaries (three companies)*1 Hirogin Lease Non-consolidated subsidiaries (three companies)*1 *1 Nonconsolidated subsidiaries: One factoring company and two investment limited liability partnerships *2 Study on establishing advanced banking service company MN| Mighty Net IT-related businesses New spin-off Investment Hirogin Holdings Advanced banking service company (100%) Hirogin Securities Financial instruments trading (100%) Claims management Shimanami Servicer Proactive independent and servicing marketing leveraging the Bank's customer base (100%) Hirogin Capital Partners Investment (20%) Leasing Plans for establishment in January 2021 Study on establishing new subsidiaries to expand the operation axis Hirogin Lease Advanced banking service company*2 Consulting company 12

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