Overview of Juroku Financial GroupB oard of Directors and Audit & Supervisory Board Members
G roup Management Philosophy

The Juroku Financial Group, Inc. (as of June 30, 2023)

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 ofYukio Murase
Naoki Ikeda
our staff is governed by the Code of Conduct.

Representative Directorand Chairman

Group

Representative Directorand President

Achieving growthand prosperity for

Missionour customers andthe local community

ManagementWe 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 aAkihide
Ishiguro
VisionDirector and Deputy
President

ValuesCode ofConduct

Code ofConduct

Yukiyasu Shiraki
Directorsustainable society.

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.

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

Yoshiaki Bito
Hiroyuki Ota
JurokuFinancial
Group:Creating
thefutureoftheregion together
Director
Director

G roup Structure
Afterour transition
each group company
Ueda except joint ventures was made aSatoko
Ito to a holding company structure, as a general rule,Yasushi
whollyownedsubsidiaryof
JurokuFinancialGrouporThe
JurokuBank,andagroupmanagement system was established for theDirector
Director
purpose of strengthening consolidated profitability and group governance.

Naohiko Ishikawa(as of July 3, 2023)
Shinji Ishihara
Investment
Ratio
Director(Audit&Supervisory
CommitteeMember)
Director(Audit&SupervisoryCommitteeMember)Business Lines
Juroku Financial Group(Financial Group / Bank)
SatoeTheTsugeKoichi Banking
Tokoroservice
Juroku Bank100%Director (Audit&Supervisory
CommitteeMember)Managing
Executive
Officer
Clerical work service
Juroku Business Service Co., Ltd.
100%
Credit guaranty service
Juroku Credit Guarantee Co., Ltd.
100%
Tsutomu Niimi
Eiji Kodama
Managing
Executive
OfficerManaging
Executive
OfficerBusiness
consulting
service, Survey and research service
Juroku Research Institute Co., Ltd.
100%
Financial
instruments service
JurokuAsai
Tokai Tokyo Securities Co., Ltd.
60%
Hirotaka
Tomoatsu
Kaku
Executive
Officer
Creditcard
JurokuCard Co., Ltd.
100%
Executive Officer flotation service
Leasingservice
JurokuLease Co., Ltd.
100%Takeshi
KatoMotoyasu
Fukui
JurokuDensan Digital Service Co., Ltd.
60%
Executive
Officer
ExecutivePayments
Officerand digital solutions service
succession and M&A advisory service
NOBUNAGA
Succession Inc.
60%
TomokoShiozaki
Kyohei Management
Tanemura
and management of Investment business Limited partnership
NOBUNAGA
100%
Executive
Officer Capital Village Co., Ltd.
ExecutiveOperation
Officer
Kanda Machi Okoshi Co., Ltd.

34

99%

C orporate Data(as of March 31, 2023)

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 StockShareholders:
17,912
Number of Employees:
2,705Group companies
The Juroku Bank, Ltd.
8-26 Kandamachi, Gifu-shi+81-58-265-2111
Juroku Research Institute Co.,Ltd.
7-12 Kandamachi, Gifu-shi+81-58-266-1916
Juroku Tokai Tokyo Securities
Co., Ltd.
7-12 Kandamachi, Gifu-shi+81-58-266-4516
Juroku Card Co., Ltd.
7-12 Kandamachi, Gifu-shi+81-58-263-1116
Juroku Lease Co., Ltd.
7-12 Kandamachi, Gifu-shi+81-58-262-3116
Juroku Densan Digital ServiceCo., Ltd.
7-12 Kandamachi, Gifu-shi+81-58-262-1116

NOBUNAGA Succession Inc.
7-12 Kandamachi, Gifu-shi+81-58-266-9161
NOBUNAGA Capital Village
Co., Ltd.
6-11-1 Kandamachi, Gifu-shi+81-58-264-5516
Kanda Machi Okoshi Co., Ltd.
6-11-1 Kandamachi, Gifu-shi+81-58-262-1613
Juroku Business Service Co.,Ltd.
34 Nakatakeyacho, Gifu-shi+81-58-266-2682
Juroku Credit Guarantee Co.,Ltd.
7-12 Kandamachi, Gifu-shi+81-58-266-1616

10 Principal Shareholders:
The Master Trust Bank ofJapan, Ltd. (Trust)
Custody Bank of Japan, Ltd.
(Trust)Juroku Financial Group
Employee Stockholding
AssociationFuji Baking Group Co., Ltd.
Meiji Yasuda Life Insurance
Company
Sompo Japan Insurance Inc.
Seino Holdings Co., Ltd
The Bank of Nagoya, Ltd.
JP MORGAN CHASE BANK
385781(Standing proxy: Settlement &Clearing Services Department,Mizuho Bank, Ltd.)DFA INTL SMALL CAP
VALUE PORTFOLIO(Standing proxy: Citibank,N.A., Tokyo Branch)

Overseas Network
Shanghai Representative Office
18th Floor, Hang Seng BankTower,
1000 Lujiazui Ring Road, Pudong
New Area,Shanghai, People’s Republic ofChina
Telephone: +86-21-6841-1600
Facsimile: +86-21-6841-1881
Chief Representative
Kazuhiro Mitsuishi

Representative Office Registered inSingapore
50 Raffles Place #38-06 Singapore Land Tower, Singapore
048623
Telephone: +65-6222-6616
Facsimile: +65-6532-6616
Chief Representative
Masahiko Takai

Hanoi Representative Office
Unit 1206, Pacific Place,
83B Ly Thuong Kiet Street,
Hoan Kiem District, Hanoi City,Vietnam
Telephone: +84-24-3927-1616
Facsimile: +84-24-3927-1166
Chief Representative
Hiroyasu Kawahata

D irectory(as of June 30, 2023)

Head Office8-26, Kandamachi, Gifu-shi,
Gifu 500-8516, Japan
Telephone: +81-58-265-2111
Solutions Business DivisionInternational Office8-26, 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
Yukiyasu Horie

Bangkok Representative Office
Unit 6 25th Floor CRC Tower, All
Seasons Place, 87/2 WirelessRoad, Lumpini, Phatumwan,Bangkok, Thailand 10110
Telephone: +66-2655-8016
Facsimile: +66-2685-3016
Chief Representative
Osamu Matsuoka

Gifu Prefecture (106)Tokyo Branch
Aichi Prefecture (53)Mie Prefecture (1)Osaka Branch

Shanghai
Hanoi
Bangkok
Singapore

Total 162Domestic Offices

Consulting services related to local revitalization

35