Overview of Juroku Financial Group

irectoryDataCDorporate

G roup Management Philosophy

Organizational Structure

wholly 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 June 30, 2022)

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 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

Business Lines

Audit & Supervisory
Committee

Deputy President

Executive Officers(4 Offices)
Head Office8-26, Kandamachi,Gifu
DirectorGifu-shi,
and Managing
Telephone: +81-58-265-2111
Executive Officers
Ogaki Branch
1-26, Takayacho, Ogaki-shi, Gifu
Director andTelephone: +81-584-78-2161

Ichinomiya Branch
1-2-5,GroupSakae,
Administration Management Division
Ichinomiya-shi, Aichi
Telephone: +81-586-73-5116
Nagoya-ekimae Branch
3-28-12,
Meieki, Planning Division
Group Corporate
Nakamura-ku, Nagoya-shi, Aichi
Telephone: +81-52-561-5431
Group Digital Management OfficeGroup Risk Management Division

Executive Officers

Overseas Network
Shanghai Representative OfficeDirectors

18th Floor, Hang Seng Bank Tower,
1000 Lujiazui Ring Road, Pudong New Area,
Shanghai, People’s Republic of China
Telephone: +86-21-6841-1600
Facsimile: +86-21-6841-1881
Chief Representative
Kazuhiro Mitsuishi

Group Sales Management Division

Senior Managing Executive Officers

Sustainability Management Office

Managing Executive Officers
Executive Officers
Group Management Audit Division

Representative Office Registered in Singapore

E xternal ratings
Both Juroku Financial Group and The Juroku Bank have obtained long-term issuer rating “A +” from the Japan Credit Rating
Agency, Ltd. (JCR).
Rated companies

Juroku Financial Group

About The Juroku Bank

Long-term issuer rating

A+ (New)

A→A+ (Upgrade)

Rating outlook

StableStableOctober 1, 2021

Branches Handling
Foreign Exchange
Director and Senior Managing
BusinessSolutions Business Division International Office

Shareholders Meeting

After our transition to a holding company structure, as a general rule, each group company except joint ventures was made a(as of June 30, 2022)

PresidentGroup Management Meeting

8-26, Kandamachi, Gifu-shi,
Gifu 500-8516, Japan
Telephone: +81-58-265-2111

8-26, Kandamachi, Gifu-shi,
Gifu 500-8516, Japan P.O. Box 40
Telephone: +81-58-265-2111
Facsimile: +81-58-266-1698
SWIFT Address: JUROJPJ T
Head of Office
Hiroyuki Kawase

G roup Structure

Rating date

Head Office

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.

Chairman(as of June 30, 2022)

Audit & Supervisory Committee’s Office

Gifu Prefecture (106)50 Raffles Place #38-06 Singapore Land
Tower, Singapore 048623
Telephone:Group+65-6222-6616
companies
Facsimile: +65-6532-6616
Chief Representative Name
Masahiko Takai
The Juroku Bank, Ltd.
Bangkok Representative Office
JurokuResearchCo.,
thFloor Institute
CRC Tower,AllLtd.
Seasons
Unit 6 25(as of June 30, 2022)

Address

8-26 Kandamachi, Gifu-shi
Banking service+81-58-265-2111
Aichi Prefecture (53)7-12 Kandamachi, Gifu-shi
Business consulting service, Survey and research
MiePrefecture (1)+81-58-266-1916
service7-12 Kandamachi, Gifu-shi Osaka Branch
Financial instruments service+81-58-266-4516
Total 162Domestic Offices
7-12 Kandamachi, Gifu-shi
Credit card flotation service+81-58-263-1116
7-12 Kandamachi, Gifu-shi
Leasing service+81-58-262-3116
7-12 Kandamachi, Gifu-shi
Payments and digital solutions service+81-58-262-1116
6-11 Kandamachi, Gifu-shi
Operation and management of Investment+81-58-264-5516
business Limited partnership
6-11 Kandamachi, Gifu-shi
Consulting services related to local revitalization+81-58-262-1613
34 Nakatakeyacho, Gifu-shi
Clerical work service+81-58-266-2682
7-12 Kandamachi, Gifu-shi
Credit guaranty service+81-58-266-1616

Place, 87/2 Wireless Road, Lumpini, PhaJuroku
TokaiTokyoThailand
Securities
Co., Ltd.
tumwan,Bangkok,
10110
Telephone: +66-2655-8016
JurokuCardCo., Ltd.
Facsimile:+66-2685-3016
Chief Representative
JurokuLease Co., Ltd.
Yukiyasu Horie
JurokuDensan Digital
Hanoi Representative
OfficeService Co., Ltd.
Unit 1206, PacificPlace,Village Co., Ltd.
NOBUNAGA
Capital83B Ly Thuong Kiet Street,
Hoan Kiem
City, Vietnam
Kanda
MachiDistrict,OkoshiHanoi
Co., Ltd.
Telephone: +84-24-3927-1616
Facsimile:+84-24-3927-1166
JurokuBusiness
Service Co., Ltd.
Chief Representative
Hiroyasu
Kawahata
JurokuCreditGuarantee Co., Ltd.

CONTENTS

Business
Lines
Tokyo
BranchShanghai
Hanoi
Bangkok

Singapore
22 Environmental
Conservation and Climate Change Actions

35 Consolidated Statement of Changes in Equity

1 Corporate Data

26 Corporate Governance

36 Consolidated Statement of Cash Flows

2 Message from the President

27 Risk Management Structure / Compliance System

Overview of Juroku Financial Group

8Dialogue between Chairman andOutside Director

12 Operational and Financial Highlights

31 Stakeholder Engagement
32Board of Directors and Audit &Supervisory Board Members

16 History of Juroku

33 Consolidated Balance Sheet

18 Potential of the Local Community

Consolidated Statement of Income /34
Consolidated Statement of Comprehensive Income

20 Initiatives for Sustainability

37 Notes to Consolidated Financial Statements
57 Independent Auditors Report
62 Corporate Data
63 Directory163