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Investor Presentaiton

Status of Loans Based on the Banking Act and Financial Reconstruction Act TOCH GN TOCHIGI BANK (Billion yen) 2021/3 2022/3 46.0 44.4 (1.6) Change % Change (3.3%) Bankrupt and quasi-bankrupt loans 1.9 1.1 Doubtful loans 43.3 42.0 Special attention loans 0.8 1.3 (0.8) (41.2%) (1.3) (2.9%) +0.5 +64.4% Loans Based on the Banking Act and Financial Reconstruction Act: Balance at the Fiscal & Year-end Loans based on the Banking Act and Financial Reconstruction Act are generally trending flat. Loans based on the Banking Act and Financial Reconstruction Act declined YoY in the fiscal year ended March 31, 2022. The non- performing loan ratio also fell. The cost of credit for the fiscal year ended March 31, 2022 was 1.7 billion yen. The cost of credit has been declining recently and the credit cost ratio is also at a low level. Cost of Credit Bankrupt and quasi-bankrupt loans Special attention loans Doubtful loans Real cost of credit Non-performing loan ratio (Billion yen) (%) (Billion yen) 5.0 60.0 2.40 2.50 2.23 2.28 2.32 2.24 0.16 48.0 45.6 46.0 4.0 2.00 44.8 43.1 44.4 0.14 2.6 1.9 1.6 1.1 2.2 36.0 1.50 3.0 Credit cost ratio (%) 0.20 0.18 0.15 0.16 0.12 0.09 0.08 24.0 1.00 2.0 41.5 39.7 42.4 43.3 42.0 3.6 3.0 3.0 2.8 12.0 0.50 1.0 0.04 1.7 0.0 1.4 1.1 0.7 2018/3 2019/3 2020/3 0.8 2021/3 1.3 0.00 0 2022/3 2018/3 Note 1: Note 2: 2019/3 2020/3 2021/3 0.00 2022/3 Real cost of credit = Costs for loans written-off - Recoveries of written off receivables Credit cost ratio = Real cost of credit ÷ Average loan balance 11
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