Investor Presentaiton

Basic strategy 1: Strengthen earning power 1-4 DX Strategy -Promotion of DX- Key measures -Evolution (deepening) of regional financial business and reinforcement of earnings structure― TOCH GN IN TOCHIGI BANK Specific initiatives Face-to-face channel Enhance services for customers Non-face-to-face Develop human resources (level- specific) Utilize/leverage Al and data channel Promoting DX for business customers: Business Direct, Mikatano Service, Business matching, ICT consulting, etc. Enhancing apps and online services for individual customers: Expansion of app and web service functions to build customer contact points and improve convenience Developing online services for business customers: Construction of customer contact points through corporate portals Specialized personnel: Personnel with specialized knowledge, skills, and experience. Talent from outside, consultants, advisors, etc. Core personnel: Front-line personnel for DX and ICT service planning, execution, and management, as well as professional services Base personnel: Personnel with basic knowledge of DX and IT to provide basic banking services and recognize customers' issues and needs Strengthening data marketing; building an integrated database foundation; utilizing Al; distributing direct messages, emails, etc., and utilizing social media Utilize/leverage Al and data Through the construction of a customer database foundation, we will create "new value" in each field by aggregating and combining the data held by each system to utilize a wide variety of data. be strengthened Fields and items to New value creation through data collection (centralization) and utilization Product planning Business administration Financial instruments that reflect customer needs (loan products catering to industry characteristics and individual life cycles), etc. I Sales representatives, digital distribution (loans, asset management, new businesses, lending by industry, etc.), etc. Screening & Rating Risk Management Consulting ■Screening model (loans) Al-based monitoring Credit risk model Anti-money laundering, etc. ■Asset management and inheritance Solutions to issues such as sales channel matching, etc. resolving issues Foundation for DATA LAKE (Customer database foundation) Accounting CRM Apps Cashless External info 27

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