Stakeholder Engagement

Initiatives toward enhanced engagement with stakeholders
Basic thinking
The Nanto Bank Group places particular importance on its engagement with stakeholders, listening sincerely to the ideas andopinions of everyone, including our customers, local community residents, employees, and shareholders, and responding to theirrequests. We are steadily implementing our Action Plan while engaging in continuous dialogue and creating new value in cooperation
with our stakeholders as an avenue toward realizing sustainable management that grows with the community.
Nanto Bank
stakeholders
CustomersMeans ofcommunication

Local
communities

Nanto BankGroup

Employees

Shareholders

Stakeholders

Main issues and needs

Primary means of communication

Customers

Diversification and growing complexity ofcustomer needs• Dialogue using customer feedback cards, etc.

Local
communities

Sustainable local communities
Developing human resources for the next
generation within the community• Crowdfunding• Donations through trusts• Financial and economic education• Volunteer river cleanup activities• Nanto Scholarship Society• Cherry Blossom Preservation Society• “Magokoro no Issatsu” (“sincere book”) campaign• Donations to the Nanto Manyo Charity Walk
• Nanto Bank Hockey Club

Employees

Ensuring a comfortable workplaceenvironment
Initiatives to reform work styles• Increases in basic and starting salaries• Childcare support program

Shareholders

Timely and appropriate information
disclosure
Appropriate returns to shareholders
Enhancement of corporate value• IR meetings• Publication of a management information magazine• General Meeting of Shareholders• Dialogue with institutional investors and analysts

Engagement with customers
The Nanto Bank Group strives to build relationships of trust with its customers by responding to their various opinions and requests.

Customer-oriented business operations
In its commitment to conducting business in the best interests of customers, the Nanto Bank
Group* has established an Action Plan for realizing its “Policy Initiative for Customer-oriented
Business Operations.”
The Policy for Customer-oriented Business Operations is a concrete expression of ourcommitment to contributing to customers’ stable asset formation in our sales of financialproducts. We will put this policy into practice, establish indicators (KPIs) to confirm the resultsof these efforts, and review and disclose the results periodically.

Please refer to our website for details of our“customer-oriented business management.”* Group companies subject to the KPIs: The Nanto Bank, Ltd. and Nanto Mahoroba Securities Co., Ltd.

Customer feedback cards
We are directing efforts to raising awareness of CS activities and establishing a CS mindset by asking customers to evaluate ourdaily sales activities online using our customer feedback cards (questionnaires) on the LINE app. Seeking to enhance customer trust,
we gather information about customers’ potential complaints and needs and respond promptly to improve our products, services,and customer services.
How to complete friend registration on the LINE app:
(1) Using “Friend Search”(2) Using “Add Friend”

Search for “Nanto Bank” and register
as a friend.

Search for “@nantobank” in the ID search andregister.

(3) Using the QR code
Register via the QR code using a QR code reader.

* The LINE smartphone communication application is provided by LINE, Inc. We ask customers
to consider their own preferences when deciding whether to download the LINE app.

56 Nanto Report 2023, the integrated report of Nanto BankAbout Nanto BankDeveloping Human
Value Creation by theGovernance Supporting Our Consolidated Financial
Statements
Resources for Value Creation Group’s Human Resources Proactive Human Resources

Our Shared Vision

BusinessmodelPerformance

Community engagement
The Nanto Bank Group is committed to sustainable management developed together with its local communities. We participate
actively in community activities and events.

Crowdfunding
We interconnect the diverse future aspirations of individuals, organizations, and communities by deploying crowdfunding to meetcustomers’ financing needs.
To date, we have mainly devoted the funds to shrines and temples, but we are accelerating our support for local arts, hospitals,
food and beverage providers, and tourism facilities.
Results

Nanto Bank

Fiscalyear

AmountTarget amountAchievement Number ofof support(thousand yen)rate (%)
supporters(thousand yen)

Crowdfunders

2022

Yamato Koriyama City Watamachi Nicoichi Row House Project

1,800

2,460

136

161

Religious Corporation Horyuji Temple

20,000 157,000

785

7,456

Saidaiji Temple

5,000

12,150243

546

Religious Corporation Ryubutsuji Temple (Okadera Temple)

2,500

4,176

167278Religious Corporation Possessor of the Way Emperor Shrine

10,000

6,230

62270

Religious Corporation Daian-ji Temple

10,00013,225

132352

Consultation

Customer
introduction

Business alliance

Introduction ofcrowdfunding operators

Customer(crowdfundingcompany)

Concept
publication

Crowdfunding
operator

Crowdfunding siteFunds

Supporters

Returns

Donations through trustsAgreement signatories (as of March 31, 2023)
Asuka Village Ando Town Ikaruga Town
Ikoma CityUda CityOji Town
Oyodo Town Kashiba City Kashihara City Katsuragi City Kawai Town Kawakami Village
Gojo City
Gose City
Sakurai City
Kawanishi Town Kanmaki Town Koryo Town
Shimokitayama
Tawaramoto
Sango Town Shimoichi Town
Soni Village Takatori Town
VillageTown
Totsukawa Village
Nara City
Higashiyoshino Village Heguri Town Miyake Town
Tenri City
Yamazoe Village Yamatokoriyama City Yamatotakada City Yoshino Town
Ide Town
Kizugawa CitySeika Town
Kyoto Prefecture
Nara Prefecture

Municipalities

To offer more accessible way to donate inheritedproperty to local governments or other entities, we haveentered into an agreement entitled the “Agreement
on Donations Through Trusts Instead of Wills” with 37
municipalities and educational institutions and 11 otherorganizations. The Nanto Anshin Todokeru Trust for
Family Happiness (donation course) makes it possible
for signed-up municipalities, educational institutions,and other entities to receive assets in donations thatwould otherwise be inherited, even when no will is left.

Kansai Guide Dogs for the Blind Foundation, National University Corporation Kyoto University, Religious Corporation
Kinpusenji Temple, Saidaiji Religgious Corporation, Daianji Religious Corporation, Doshisha Educational Corporation,
EducationalSocial Welfare Corporation Nara Prefectural Council of Social Welfare, Public University Corporation Nara Medical
institutions, etc.
University, National University Corporation Nara Institute of Science and Technology, Independent AdministrativeInstitution National Research Institute for Cultural Properties, Nara, Religious Corporation Horyuji Temple

Nanto Anshin Todokeru Trust for Family Happiness [donation course] product plan
(1) At time of application(trustee)Trust foundation
management

Agreement(2) In the event of inheritance
Product application

Nanto Bank

ApplicantNanto Bank

(trustee and beneficiary)(trustee)

Conclusion of trust
agreement
Communication ofDesignation
application details

Municipality, etc.
(second beneficiary)

Notification of death
AgreementNotifier of death* In principle, theapplicant’s designatedheirs

Payment of trust funds

Municipality, etc.
(second beneficiary)

Notifier of death*	Donations under the agreement will
be made using the Nanto Anshin
Todokeru Trust “Family Happiness”
product.	For product details, pleaserefer to the brochure of “Nanto
Anshin Todokeru Trust for FamilyHappiness.”[About the Bequest Donation Program]
We have expanded our services related to inheritance issues by entering into agreements with 18 municipalities and 17 educational institutions to enhance ourbequest donation program.
When a municipality, educational institution, or other organization that has signed up with the Bank is offered a donation by means of a bequest, ourspecialized staff provides support for preparation of a will and/or other documents in connection with the bequest and/or inheritance to fulfill the donor’s last wishes.
<Nara prefecture> Ikoma City, Kashiba City,
Kashihara City, Kawai Town, Kawakami Village,
Kawanishi Town, Kammaki Town, Koryo Town,
Sango Town, Tawaramoto Town, Tenri City, NaraCity, Yamazoe Village, Yamatokoriyama City,
Yamatotakada City
<Kyoto prefecture> Ide Town, Kizugawa City,Seika Town

Educationalinstitutions, etc.

Municipalities

Agreement signatories (as of March 31, 2023)
Kansai Guide Dogs for the Blind Foundation, National University Corporation Kyoto University, Public Interest Incorporated
Foundation Kyoto University iPS Cell Research Foundation, Religious Corporation Kimpusenji Temple, Saidaiji Religious
Corporation, Daianji Religious Corporation, Educational Corporation Tezukayama Gakuen, Educational Corporation Tenri
University, Public Interest Incorporated Foundation Tenri Yorozu Consultaion Center, Educational Corporation Doshisha,Social Welfare Corporation Nara Prefectural Council of Social Welfare, Public University Corporation Nara MedicalUniversity, National Institute of Technology Nara College, National University Corporation Nara Women's University,
National University Corporation Nara Institute of Science and Technology, Incorporated Administrative Agency Nara
National Institute of Cultural Properties, Religious Corporation Horyuji Temple

Nanto Report 2023, the integrated report of Nanto Bank57

Stakeholder Engagement

Strengthening relationships with the community through social contributions
Promotion of financial and economic education

Volunteer river cleanup activities

We provided on-site work
experience classes and work
experience for local elementaryand junior high school students
to help them acquire basic
knowledge about monetarymatters.

We participate in the “Kizu River Basin
Cleanup Project,” a large-scale project
carefully organized by the Kizu River Basin
Cleanup Executive Committee, and the“Yamato River Simultaneous Cleanup Project”
organized by Nara Prefecture. The Nanto
Bank Group aims to achieve sustainableregional growth and development by providing
leadership in efforts to achieve the SDGs.

Nanto Scholarship Society

Cherry Blossom Preservation Society

The Magokoro no Issatsu Campaign

The Nanto Scholarship Society
offers scholarships for highschool and university studentsof outstanding character andacademic ability who reside inNara Prefecture. As of March2022, the society had provided
scholarship support for 1,461
students since its establishment
in 1964.

The Bank is a special member of the Yoshino Cherry
Blossom Preservation Society, which was establishedcooperatively by the public and private sectors to protect
the Shiroyama Sakura cherry trees (approx. 30,000 trees)on World Heritage Site Yoshino Mountain (Yoshino-cho,Nara Prefecture), which have shown signs of remarkable
deterioration in recent years. As a regional financial
institution, Nanto Bank cooperates actively with efforts toprotect and nurture Yoshino’s cherry trees by such means as
dispatching volunteer staff to various related events.

Every year, the Bank donates books recommended by
its executive officers and employees to the Nara Training
School for Juvenile Delinquents for distribution as
Christmas presents.
This activity has been carried on since 1987 as partof our Magokoro no Issatsu Campaign for the purpose ofcontributing to the emotional education of juveniles.
Besides polular works recently published, thedonated books include dictionaries, reference books, andother resources of high value for education.

Donations to the Nanto Manyo Charity Walk

Nanto Bank Field Hockey ClubWe make annual donations to the Nanto Manyo Charity Walk
to improve the welfare of residents of our regional community.
Our 2022 donation was in the amount of 600,000 yen,unchanged from the previous year. The donations contributeto the operation of a children’s cafeteria and the activities ofvolunteer groups.

In 1982, the Bank established a women's field hockey club, which has
been contributing ever since to promoting sports in Nara Prefecture as the"Nanto Bank SHOOTING STARS." The club participates in Nara City sports
events, visits schools, and holds field hockey training sessions for local
elementary school students. The players are dedicated to contributing toand interacting with the local community through field hockey games.

Engagement with employees
The Nanto Bank Group seeks to be an organization in which every employee without exception feels a sense of fulfillment andcontinues to grow day by day. We are taking various steps to create an environment and develop initiatives to foster a corporate
culture of this kind.

Increases in basic and starting salaries
We raised basic salaries for our employees and hourly wages for senior staff and part-time workers for the first time in 28 years
in response to recent price hikes and also to make employees feel more motivated to deal with community and customer issues
and contribute to regional development. The starting salary increases were also designed to secure more talented, diverse humanresources for the next generation.

Childcare support systems
The Nanto Bank Group has established various childcare support systems as part of efforts to create a comfortable workplace forevery employee who seeks to balance work and childcare.
NameSystem overview

Paternity leave

Up to four weeks of paid childcare leave to be taken within eight weeks of the birth of a child.

Fertility Treatment Leave System

Employees undergoing fertility treatment are eligible for up to 12 days of paid leave per year.

Extension of the period during which employees can benefit from the existing
systems designed to support childcare, including shorter working hours

Employees raising children up to junior high school age will be eligible for shorter working hours.

Expansion of the Family Support Leave System

Employees can now take five days of paid leave before and after the birth of a child (or a grandchild).

Expansion of the Child Nursing Care Leave System

Employees caring for a child up to junior high school age can take five days of paid leave to care fora sick child.

58 Nanto Report 2023, the integrated report of Nanto Bank

About Nanto Bank

Our Shared Vision

Developing Human
Value Creation by theGovernance Supporting Our Consolidated Financial
Statements
Resources for Value Creation Group’s Human Resources Proactive Human Resources

Businessmodel

Performance

Engagement with shareholders
The Nanto Bank Group strives to disclose information to shareholders in an appropriate and timely manner. We also engage inconstructive dialogue with our shareholders in order to achieve sustainable growth and to enhance our corporate value over themedium to long term.

Investor relations (IR) activities
The purpose of the Bank’s IR activities is to provide our valued shareholders and investors with the information they need to makeinvestment decisions in a timely, continuous, and impartial manner as a means of ensuring appropriate evaluation of companies in
the capital markets.
The Nanto Bank Group employs IR activities to explain its management strategies and financial results to stakeholders.
In fiscal 2022, the following initiatives were implemented through Web conferencing and teleconferencing.
[IR Calendar]
July 2022
July
October
DecemberIntegrated report issued.

May 2023

Publication of disclosure leaflet (reference materials)

June

Annual report (English) published.

Fiscal 2022 full-year results briefing (large-scalemeeting) with both in-person and online attendees.
135th Ordinary General Meeting of Shareholders

Fiscal 2022 interim results briefing (large-scale inperson meeting) streamed live.

IR meetings

Publication of management information

Large meetings fordomestic and foreign
institutional investors
and analysts are held
twice a year.
We also hold one-onone and other meetings
as required.

In addition to the above presentationsof management information, we publish
an integrated
report and a minidisclosure leafletthat introduce theGroup’s initiatives.

General Meeting of Shareholders
Main questions raised at the 135th Ordinary General Meeting of Shareholders

Dialogue with institutional investors andanalysts
Items for discussion in interviews in FY2022

T he Bank’s efforts to improve its P/B ratio asrequested by the Tokyo Stock ExchangeImpact of the declining birthrate and aging
population on the Bank’s performanceChanges in the Board of Directors and impact ofparticipation by female directors
Strategies for overseas operations
Shareholder benefit programs

Improvement of shareholder returns
Investment with an awareness of the cost of capitalFuture outlook for Nanto Mahoroba Securities

Principal themes and concernsF uture policies for increasing income from services
Approach to unrealized losses on securities
Policies on future returns to shareholders andcapital
Status of efforts to improve employee engagement

We are committed to the following activities to promote constructive dialogue with our shareholders.
1. Dialogue with shareholders
To assure constructive dialogue with shareholders, the Directorof the Corporate Planning Department, who oversees the Bank’s
IR activities, plays a central role by participating actively in thedialogue.
2. Internal structure facilitating dialogue
The Corporate Planning Department responsible for IR activities has established a system of compiling information fromthe relevant departments and providing proper information toshareholders.
3. Means of dialogue other than individual meetings
IR activities are conducted as required to provide shareholders
with explanations. We will also continue to enhance our disclo-sure activities and to disseminate information widely by posting
it on our website.
4. Feedback on shareholder opinions, etc.
The Director of the Corporate Planning Department provides
management with feedback concerning opinions obtained
through dialogue with shareholders at meetings of the Board ofDirectors and other meetings as appropriate.
5. Management of insider information
The Bank’s basic policy is to disclose information in a fair, timely,
and appropriate manner. It has accordingly established internal
rules for prevention of insider trading and has put a strict information management system in place.

Nanto Report 2023, the integrated report of Nanto Bank59