C h ug in G r o u p Ph ilosop hy

Disclosure Policy

Gr ou p’s C o rp o ra t e P r i n c i p l e s

Create with Our Community, Customers and Employees a Rich Future that We Can All Share

The Chugin Financial Group proactively undertakes the disclosure of information in order that customers,

The Chugin Group aims to transition into a corporate group that creates services based on the needs of its customers and that finds resolutions to issues faced by theseCompany as a result of conducting timely and appropriate information disclosure.

customers as we look to build a sustainable business model that will develop together with regional societies and customers alike.
To that end, due to the importance of raising awareness of the Group’s corporate management activities, including making maximum use of the Group’s management
resources, as well as the importance of ensuring this thinking is fully internalized by each officer and employee of the Group, in April 2022, we established the “Group’sCorporate Principles” as a set of management principles common throughout the Group.

investors, business partners and other parties can more accurately understand matters concerning theThis includes disclosing information in a timely manner by producing disclosure pamphlets, business
reports, annual reports and financial reports as well as via our website and other mediums.
The Chugin Financial Group will continue to endeavor to disclose information in an appropriate and timelymanner.

The details of the “Group’s Corporate Principles” were established in the long-term management plan that began in 2017, with the details positioned in the long-term
vision set out in that management plan. However, in consideration of the transition to a holding company structure, we have decided to position them in the “Group’sCorporate Principles” as a mission for the Group to permanently adhere to and in order to communicate the Group’s raison d’être.

C o r p or a t e V is ion

A comprehensive financial services group that is “chosen” and “trusted” by regional customers

Forward-looking Statements
This annual report contains forward-looking statements regarding the future results and performance of Chugin Financial Group. Such forward-looking statements arebased on current information and assumptions. Please be advised that actual results could differ materially from those anticipated by the forward-looking statements due toa variety of factors.

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Sys t em of Pr in cip lesContents

The Chugin Group’s System of Principles is comprised of the Group’s Corporate Principles in which theChugin Group Philosophy / Corporate Principles.....................................1

Group’s stated mission is set out, the Corporate Vision which is the ideal state the Group sees for itself,

Corporate Vision...................................................................................1

and the Chugin Value which are the set of values shared between all officers and employees of the Group.

System of Principles.............................................................................2
Chugin Value.......................................................................................2
Corporate Data ...................................................................................3

MissionGroup’s Corporate Principles

Consolidated Financial Highlights .........................................................4

Our societal mission

Create with our community, customers andInterview with the Management ...........................................................5(Our raison d’être)employees a rich future that we can all share

Corporate Vision

VisionThe long-term management plan,“Vision 2027: Plan for Creating the Future Together” ...........................11
Medium-term management plan
“Plan for Creating the Future Together: Stage III” .................................13
Financial strategy ..............................................................................15

A comprehensive financial services group that is

Our ideal vision for ourselves“chosen” and “trusted” by regional customers
Message from an Outside Director .....................................................19
Message from the CHRO ...................................................................21

Chugin Value(Succeeds the previous “Chugin-no-kokoro”)

Value

To Customers We will aim for a Win-Win relationship with customers

The set of values shared between all

As Individuals We will realize dreams through our work

officers and employees of the GroupAs a Company We will provide motivating work and a place to grow

Review of Operations ........................................................................22
CSR / Compliance .............................................................................23
Corporate Governance .......................................................................25
Board of Directors and Audit & Supervisory Board Members.................26
Comprehensive Risk Management System .........................................27

Corporate Code of ConductA basic set of rules that we must all follow as membersof society when conducting corporate activities.

Code of Conduct
A basic set of rules regarding behavior that must be followed by
all officers and employees of the Group

Behavioral Guidelines
Specific decision-making standards that each officer
and employee of the Group must take into considerationin the performance of their duties

Internal Control .................................................................................29
Organization Chart ............................................................................31
Principal Operations of the Chugin Financial Group /Shareholder Information ....................................................................32

Service Networks...............................................................................33
Financial Section ...............................................................................34

C hugi n Value

Consolidated Financial Statements .....................................................35

The sharing of these behavior and decision-making standards and values displayed by all employees ofIndependent Auditors’ Report .............................................................68

the Chugin Group allows us to better align our vectors, improve the strengths of our organization andNon-Consolidated Financial Statements ..............................................75

ensure greater satisfaction and impressions from our customers.

Disclosure Policy ...............................................................................78

To customers
We will aim for a Win-Win relationship with customers
Added value
We will deliver satisfaction andemotion to our customers through “mindful service”
StanceWe will
work toward mutual growth with customers

As individuals
We will realize dreams through our work

We will provide motivating work and a place to growAs a company

GrowthWe will hold high motivationand challenge ourselves to growCulture
The Chugin Group will
provide a motivating workplace

Concentration of strength
We will recognize, respect,and cooperate with each other

Organizational strength
The Chugin Group will collect diverse strengths
to raise its organizational strength

CHUGIN FINANCIAL GROUP, INC.

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