Source of Value Creation

Strength 3 Solid Customer BaseFinancial CapitalSocial CapitalWith a wide and deep customer base that The Juroku Bank has developed over more than 140 years, coupled with the daily accumulationof information and an extensive personal network, the Group boasts the number one share of deposits and loans in Gifu Prefecture.

Strength 1 Group’s Comprehensive Strength

Intellectual Capital

Since transitioning to a holding company structure, we have been working to expand our business domains by entering newbusinesses, strengthening group collaboration, optimizing the allocation of group management resources by reforming the awarenessand behavior of our officers and employees, strengthening auditing and supervision functions, as well as improving the speed ofbusiness execution.
(as of March 31, 2024)

Investment ratio(Financial Group/Bank)

Juroku Financial Group, Inc.

Gifu Prefecture

Aichi Prefecture

55,23751,57542,335

13,86336,573

17,132

100%

Banking service

Juroku Business Service Co., Ltd.

100%

Clerical work service

Juroku Credit Guarantee Co., Ltd.

100%Credit guaranty service

Juroku Research Institute Co., Ltd.

100%Survey and research service, business consulting service

Juroku Tokai Tokyo Securities Co., Ltd.

60%

Financial instruments service

Juroku Card Co., Ltd.

100%

Credit card flotation service

Juroku Lease Co., Ltd.

100%

Leasing service

Juroku Densan Digital Service Co., Ltd.

60%

Payments and digital solutions service

The Juroku Bank, Ltd.

Started operations in March 2022

Deposits

Loans

As of March 2013

¥6,440.3 billion

26.6%
23.0%

Loan balance

6.2%
Deposits: 1.8%
Loans:

46,311¥4,870.4 billion

17,34916,621Loans

Deposits:

23,90740,16836,445Loans:

16,512

Share in Aichi Prefecture

20,92015,699Business Lines

47,25014,667

Deposit balance

Share in Gifu Prefecture

Other (Billions of yen)
63,143

Deposits

Loans

As of March 2018(as of March 31, 2024)

Deposits

As of March 2023
(Created by the Company based on data from Monthly Kinyu Journal)

Strength 4 Network

Social Capital

We are building a network centered on Gifu andAichi prefectures and working to solve local issues.
We have representative offices in Shanghai,
Singapore, Bangkok and Hanoi to support ourclients in expanding their businesses overseas.

Chuno region:

Hida region:

147Gifu region:

54

Tono region:

Seino region:

NOBUNAGA Succession Inc.
Established in July 2023

NOBUNAGA Capital Village Co., Ltd.
Established in April 2021

Kanda Machi Okoshi Co., Ltd.
Established in April 2022

60%

Management succession and M&A advisory service

100%

Operation and management of Investment businesslimited partnership

99%

Consulting services related to local revitalization

Number of offices in the three Tokai prefectures
Gifu Prefecture

Aichi Prefecture

Mie Prefecture

10353

11216
Mie Prefecture:

Nagoya region:

122Mikawa region:

Strength 2 Organization where Every Employee Can Succeed

Human Capital

In line with the implementation of the new human resources system, all Juroku Bank-registered employees were transferred to theCompany, enabling the optimal human resources allocation to group companies, including the bank, and personnel shifts based on
employees’ individuality and talents.
Except for those working at the Company, the transferred employees are currently working actively at various group companies,including the bank, where they have been seconded.

Juroku Financial Group

Other regions

Thriving at each company as secondees from Juroku Financial GroupTokyo Branch

Shanghai Representative OfficeOsaka BranchRepresentative Office Registered in Singapore

Virtual office (3)Bangkok Representative Office

Owari region:

724

Hanoi Representative OfficeMarket potential

Employees (seconded to FG group companies)
Change in awareness,and behavior

Juroku Juroku Juroku Juroku JDDS Juroku NOBU NOBU Machi
Bank Lease
TT
CardRISuc.
Cap. Okoshi

JBS

JurokuCreditEmpowerment ofdiverse human resources

Growth throughvoluntary actions

Juroku TT: Juroku Tokai Tokyo Securities, JDDS: Juroku Densan Digital Service, Juroku RI: Juroku Research Institute, NOBU Suc. : NOBUNAGA Succession,
NOBU Cap.: NOBUNAGA Capital Village, Machi Okoshi: Kanda Machi Okoshi, JBS: Juroku Business Service Juroku Credit: Juroku Credit Guarantee

21

JUROKU Financial Group ANNUAL REPORT 2024

Gifu
Prefecture
Aichi
Prefecture

Population(estimate)

Gross prefecturalproduct

Per capita
prefectural income

Manufacture productshipment amount

New houses
under construction(as of April 2024)(FY2021)(FY2021)(FY2021)(FY2023)

1.91¥8,011.0¥3.09¥6,115.9

9,550

7.46

¥40,586.0¥3.59¥47,894.6

54,685

million people

million peoplebillion

billionmillionmillionbillionbillionhouseshouses22