Overview of Juroku Financial Group

orporateData
Data
CCorporate

G roup Management Philosophy(as of March 31, 2023)

our customers andthe local community

Management

We aspire to be a comprehensive
financial group that builds afuture with local communities
and achieves sustainablegrowth with local economies

Philosophy

in order to contribute to the realization of aVision

Trust &Integrity

Creation &Innovation

Diversity &Inclusion

We will act with integrity tosecure the trust and business of
our customers and the localcommunity

We will respond to every changewith innovation anddetermination, and create newvalue for the next generation.

We will maximize our group’s
strengths by embracing
individuality and leveraging
diversity.

Deputy President

Sustainability
ManagementOffice
Clearing Services
Department,+81-58-262-3116+81-58-266-1616
Juroku Densan Digital Service
Senior Managing Executive Officers
Co., Ltd.
7-12 Kandamachi, Gifu-shi
Managing Executive Officers+81-58-262-1116

Mizuho Bank, Ltd.)DFA INTL SMALL CAP
VALUE PORTFOLIO(Standing proxy: Citibank,N.A., Tokyo Branch)

Executive Officers

Group Management Audit Division
Audit & Supervisory Committee’s Office

D irectoryE xternal ratings

Engagement Cycle

Code ofConduct(as of June 30, 2023)

Group companies
NOBUNAGA Succession Inc.
10 Principal Shareholders:Management
The Juroku Bank, Ltd.
7-12 Kandamachi, Gifu-shi Group Administration
The Master
Trust Division
Bank of8-26 Kandamachi, Gifu-shi+81-58-266-9161
Japan,
Ltd.
(Trust)Director and Senior Managing+81-58-265-2111
NOBUNAGA Capital Village
Custody Bank of Japan, Ltd.
Officers
Juroku Research Institute Co.,ExecutiveCo.,
Ltd.
(Trust) Planning Division
Group CorporateLtd.
6-11-1 Kandamachi, Gifu-shi
Juroku Financial Group
7-12 Kandamachi, Gifu-shi+81-58-264-5516
Employee Stockholding+81-58-266-1916
Kanda Machi Okoshi Co., Ltd.
AssociationDirectorandManaging
Division
Juroku Tokai Tokyo Securities
6-11-1 Kandamachi, Gifu-shiGroup DX
FujiManagement
Baking GroupCo., Ltd.
Executive+81-58-262-1613
OfficersCo., Ltd.
Meiji Yasuda Life Insurance
7-12 Kandamachi, Gifu-shi
Juroku Business Service Co.,
Company+81-58-266-4516
Ltd.
Sompo
Japan InsuranceGroup Risk
Management
Division Inc.
Juroku Card Co., Ltd.
34 andNakatakeyacho, Gifu-shi
Seino Holdings Co., LtdDirector
7-12 Kandamachi, Gifu-shiExecutive+81-58-266-2682
The Bank of Nagoya, Ltd.
Officers+81-58-263-1116
Juroku Credit Guarantee Co.,
JP MORGAN CHASE BANKGroup SalesManagement Division
Juroku Lease Co., Ltd.
Ltd.
385781
Directors
7-12 Kandamachi, Gifu-shi
7-12 Kandamachi, Gifu-shi(Standing proxy: Settlement &President

Chairperson

sustainable society.

ValuesCode ofConduct

Audit & Supervisory
Committee

Achieving growthand prosperity forMission

Shareholders Meeting

Group

Date of Establishment:
October 1877
Authorized Shares:
46,000 thousand shares
Shares of Common Stock
Issued and Outstanding:
37,924 thousand shares
Stock Listed:Tokyo Stock Exchange Prime
Market and Nagoya Stock
Exchange Premier Market
Paid-in Capital:¥36,839 million
Number of Common Stock
Shareholders:
17,912
Number of Employees:
2,705
Board of Directors

Our group management philosophy is inherited from the basic philosophy of The Juroku Bank, and represents thefundamental spirit of the Juroku Financial Group and the foundation for all of our officers’ and employees’ activities. It
consists of three parts: Mission, Vision, and Values. When putting our philosophy into practice, the specific conduct ofour staff is governed by the Code of Conduct.

Group Management Council

Organizational Structure

Taking on the challenges faced by our customers
and local communities, and resolving them together.

(as of June 30, 2023)

Juroku Financial Group: Creating the future of the region together

Office RegisteredinNetworkHanoi
OfficeRating
HeadJuroku
Office Financial Group and Overseas
BothThe Juroku
Bank have obtained Representative
long-term issuer
rating “A+”fromtheRepresentative
Japan Credit
8-26, Kandamachi, Gifu-shi,

Agency,Ltd. (JCR).
Gifu 500-8516,
Japan

G roup Structure

Telephone: +81-58-265-2111

After our transition to a holding company structure, as a general rule, each group company except joint ventures was made awholly owned subsidiary of Juroku Financial Group or The Juroku Bank, and a group management system was established for thepurpose of strengthening consolidated profitability and group governance.
(as of July 3, 2023)

Juroku Financial Group

Investment Ratio(Financial Group / Bank)The Juroku Bank

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%

Business consulting service, Survey and research 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

NOBUNAGA Succession Inc.

60%

Management succession and M&A advisory service

Business LinesNOBUNAGA Capital Village Co., Ltd.

100%

Operation and management of Investment business Limited partnership

Kanda Machi Okoshi Co., Ltd.

99%

Consulting services related to local revitalization

RatedBusinesscompaniesSolutions
DivisionInternational OfficeLong-term issuer rating
8-26, Kandamachi, Gifu-shi,
Gifu 500-8516, Japan P.O. Box 40
Rating+81-58-265-2111
outlook
Telephone:
Facsimile: +81-58-266-1698
date
SWIFT Rating
Address:
JUROJPJ T
Head of Office
Yukiyasu Horie

Shanghai Representative Office
18th Floor, Hang Seng BankTower,
1000
LujiazuiFinancial
Ring Road, Group
PudongJurokuNew Area,
Shanghai, A+
People’sRepublic of(Unchanged)
China
Telephone: +86-21-6841-1600
StableFacsimile: +86-21-6841-1881
Chief Representative
Kazuhiro Mitsuishi

CONTENTS

1Singapore
Unit 1206, Pacific Place,
50 Raffles Place #38-06 Singa83B Ly Thuong Kiet Street,Hoan Kiem District, Hanoi City,
pore Land Tower, Singapore
Vietnam
048623
TheJuroku
Bank
Telephone: +84-24-3927-1616
Telephone: +65-6222-6616
Facsimile: +84-24-3927-1166
Facsimile: +65-6532-6616
A+ (Unchanged)
Chief Representative
Chief Representative
Hiroyasu Kawahata
Masahiko Takai
StableBangkok Representative OfficeNovember 9, 2022
Unit 6 25th Floor CRC Tower, All
Seasons Place, 87/2 Wireless
Road, Lumpini, Phatumwan,
Bangkok, Thailand 10110
Telephone: +66-2655-8016
Facsimile: +66-2685-3016
Chief Representative
Osamu Matsuoka

Overview of Juroku Financial Group

16 History of Juroku

30 Risk management structure

Corporate Data/Organizational
Gifu Prefecture (106)Structure/
Group companies/Contents

18 Potential of the Local Community

32 Compliance system

20 Initiatives for Sustainability

33 Stakeholder Engagement

Shanghai
Hanoi
Environmental Conservation andClimate
Tokyo Branch
Bangkok22
Change Actions
Dialogue between Chairman andOutsideSingapore
Aichi Prefecture (53)8Directors
Mie Prefecture (1)28 Corporate Governance
2 Message from the President

34

Board of Directors and Audit & Supervisory
Board Members

35 Corpotate Data / Directory

Branch Highlights
Risk Management Structure /OperationalOsakaand Financial
Total 162Domestic
29 Offices
12(from Deputy President)
Compliance System135