Potential of Juroku Financial Group
Growth Strategy through Cross-Industrial Collaboration

Businesses that have a competitive advantage
and can be grown solely by our Group

Prioritized allocation of management resources(maximizing comprehensive financial
service functions)

JurokuTokai Tokyo
Securities

Juroku
Bank

Kanda
Machi
Okoshi

JurokuCard

NOBUNAGA
Succession

JurokuResearchInstituteJurokuBusinessServiceNOBUNAGA
CapitalVillage

Securities

Tokai Tokyo Financial Holdings, Inc.

Digitalization

Densan System Holdings Co., Ltd.

DXPurpose and objectives of the partnership he Resona Group, which has a solid customer base in theTTokyo metropolitan area and Kansai areas and offers
excellent solutions,. We will receive products and services
from the Resona Group and provide customers in theChukyo area, our business areas, with these products andservices that were not previously available in the Chukyoarea, which is our sales area,this area through the Juroku
Financial Group.

Business succession
Retail e will promote this alliance as a pillar of our retailW
strategy while working to further deepen the core businessof the Juroku Bank, the core of our Group.

SoftBank Corp.
Nihon M&A Center Holdings Inc.

Real World

Digital World

Solution services such as business succession/M&A, business matching, syndicatedloans, support for overseas business expansion, sustainable finance, corporate
pensions, real estate utilization, trust services such as inheritance-related services,
asset formation business/fund wrap, and other support for regional revitalization

Strengthening DX/non-face-to-face business for SMEs
and individual customers using banking apps, digitalmarketing, business efficiency improvements, etc.

Resona Holdings, Inc.

Collaboration with SoftBank Corp. – Introduction of Google Workspace –Human Resource Development

Cross-Industrial Collaboration

To promote digital transformation, The Juroku Bank introduced Google Workspace in September 2023 with the full cooperation ofSoftBank Corp., aiming to improve productivity through the new groupware.
We aim to expand its use to all companies in the Group by March 2024, as we take on the challenge of achieving “truetransformation” by innovating communication.
In addition to utilizing Google Meet and other tools for diverse internaland external communication environments, we plan to expand its use tointernal smartphones in the future, and we will work to realize flexible
working styles by utilizing remote work capabilities, such as while out of
the office, on the move, and by utilizing spare time.

Joint hosting of rank-based training programs and various seminars, as well as human resource exchanges, etc.

Release Schedule• Fall 2024: Fund wrap

Asset building segment

Issue

Tokyo area

Cross-Industrial Collaboration (major examples)

Regional comprehensive
financial services group

JurokuCreditGuarantee

Chukyo area

Collaboration and joint ventureswith different industries

Carbon neutral business management
Globalization
Behavioral change
Wage increaseCross-Industrial Collaboration

On February 7, 2024, we signed a business alliance agreement with Resona Holdings, Inc.
We will cooperate with the Resona Group, whose long-term vision is to be “Retail No. 1,” in both the real and digital worlds,
mutually leveraging information and expertise to further contribute to the local economy and achieve sustainable growth, whileworking together toward shaping a new ideal form for retail banking.
Going forward, while each continues to operate as an independent financial institution, and in light of the sophistication anddiversification of customer needs and changes in the financial market environment, both groups will aim to build a strong
cooperative relationship in digitalization to improve services provided to customers and strengthening business competitiveness, aswell as in regional revitalization of their respective business areas.

Kansai area

Regional/
Business Issues

JurokuLease

Juroku Densan
Digital Service

Businesses for which demand fromthe local community is expected to increase

The rise of AI
Digital transformation (DX)
Low birthrate and aging population
Labor shortages

Strategic Business Alliance with Resona Holdings, Inc. in the Retail Sector

We were using different tools for schedule confirmation andcommunication, which took time and effort.

• Spring 2025: Banking apps
Moneytransfer

Resona Fund Wrap

Loan
All-round type
Office workers

Housewives
Men and women of all ages

Target segmentation

Wealthy/Mass affluent classStudents

Effects

Wealthy class
By standardizing on Google Workspace and incorporating chatand emojis, active and efficient communication was realized.

Juroku Tokai Tokyo Securities

Seniors

Balanceconfirmation

Dominant(retention)

Assetmanagement

Approach to all classes

Google Workspace is a trademark of Google LLC.

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JUROKU Financial Group ANNUAL REPORT 202424