Our Shared Vision

Value Creation Process

Sustainable management developed together with the community
The Nanto Bank Group has been continuously implementing its Management Plan for the 10-year period that began in 2020
in pursuance of our declared missions to facilitate “pursuit of regional development,” “fostering of vitality-creating humanresources,” and “enhancement of profitability,” setting our "Dynamic Creative Bank” management vision as the pillar of Group
operations.
Realizing development of sustainable management in cooperation with the community requires the Group to deploy
its management capital, including “unconventional” human resources, to address the issues faced by our customers, thecommunity, and society at large.

Business activities

Materialities

Responding to theEffects of Accelerating
Climate ChangeManagement capital

Customer base•Large share of deposits andloans in Nara prefecture
Deposits

Realizing Sustainable
Growth of Our Regional
Economy

Loans

50.0%
50.6%

Fiscal 2023 Action Plan

Enhancement ofCustomers’
Corporate Value
P.26-29

Support for
Customers’ Asset
Formation
P.30-31
Regional
Business Creation
P.32-37•Chosen as the main bankby businesses operatingin Nara Prefecture

61.20%(Teikoku Databank National Corporate“Main Bank” Trend Survey 2022)

Realizing a Convenient,
Prosperous Society

Human resourcesbase•Number of employees
supporting the Bank’s
management philosophy

Cultivating a Healthy
Corporate Culture withParticipation of Diverse
Human Resources

P.18-25•Number of employeeswith qualifications related tovitality creation

601•Strong capital adequacy ratio
Capital adequacy ratio
Consolidated

9.25%
8.95%

Non-consolidated(End March 2023)

16 Nanto Report 2023, the integrated report of Nanto Bank

Ensuring Greater
Convenience
P.38-39

2,275

Financial base
Preparing for
Increasingly Varied
and Complex RisksCultivating
Unconventional
Human Resources

Furthering
SophisticatedMarketManagement
P.47

Advanced Risk
Managementand Governance
P.44-46
P.48-55

Initiatives
Addressing Climate
Change Issues
P.40-43

About Nanto Bank

Our Shared Vision

Developing Human
Value Creation by theGovernance Supporting Our Consolidated Financial
Resources for Value Creation Group’s Human Resources Proactive Human ResourcesStatements

Organizational
overview and external
environment

GovernanceBusinessmodel

Risks andopportunities

Strategies
and resources
allocation

Performance

Our “unconventional” human resources resolve issues faced by our customers and the community, and tackle social
issues by commercialization and other means.
Through these problem-solving undertakings, we provide our stakeholders with added value and contribute todevelopment of our operating region. We believe that repetition of this cycle will eventually lead to achievement of Nanto
Bank’s goals for 2030: increasing Nara prefecture’s GDP by approximately 350 billion yen, cultivating 350 management
personnel, and achieving non-consolidated ROA of 0.35% or above.

Value we are offering all our stakeholders

Customers
Supply of funds in accordance with the borrower’s
business characteristicsFinancial products and services to support affluent
livingProvision of management personnel
Creation of new business opportunities

Local community
Collaboration as a leader in regional developmentwith local governments, businesses and educational
institutions
Lively town development and business creation

Goals to be achieved by 2030

Nara prefecture GDP*1

Increase of approx.
¥350 billion

Management personnel
cultivation*2

350

Employees
Realzing flexible workstyles
Providing opportunities for active engagement
outside the business of banking

Shareholders
High market rating
Continuing stable dividends

ROA (non-consolidated)

0.35% or above*1 To be achieved by the end of fiscal 2026,
so that the achievement will be announced
in 2029 (Nara prefecture’s GDP is usually
announced approximately two-and-a-halfyears after the relevant fiscal year-end).
*2 Human resources who can share
management decision-making with local
customers

Nanto Report 2023, the integrated report of Nanto Bank17