Value Creation by the Group’s Human Resources

Realizing Sustainable Growth of Our Regional Economy

Support for Customers’ Asset Formation
Basic Policy
Nanto Bank is firmly committed to helping individual customers conduct successful asset
formation efforts as part of their life planning to assure their future prosperity, which is
becoming increasingly important in this “era of 100-year lifetimes.”

Fiscal 2023 Action Plan
External environment

Goal to beachieved

Fiscal 2023 Action Plan
Realizing prosperous customer lifestyles by helping them realize
acquisition and growth of various types of assets, including financial
and real estate assets, tailored to their personal life planning.

Low birthrate andaging population
Lifestylediversification

Provision of products
and services for every
stage of life

Creation ofopportunities for asset
formation beginning at
a younger age

Realizationof affluent
customerlifestyles

Provision of consulting
services to solve
issues facing highnet-worth individuals

Provision of products and services for every stage of life
We help customers realize affluent lifestyles while expanding our customer base by formulating asset-formation plans for every stageof life: the generation that initiates asset formation, the generation that conducts asset growth, and the generation that benefits fromand passes on assets.

Younger generation
BirthsOlder generation
EmploymentChannels

Transactions

Generation initiating asset formation

Home purchases

Retirement

Generation pursuing asset formation

Generation that benefits from and passes on assets

Payroll transfer/cashless transactions

Pensions

Loans

TrustsAsset entrusting

Offering convenience basedon digital technologies

Expansion of holiday andnighttime banking channels

Face-to-face consulting

Optimizing clients’ profitability through repeated dialogue
To ensure that clients fully understand the proposals we present for diversified medium- to long-term investments, we explain each
investment in easily understandable detail.
Customers who are new to investment management, in particular, may experience considerable anxiety, even though they are
attracted to the idea of investment. Dialogue with customers is indispensable to dispelling this anxiety. I consider it to be the first step
toward acquiring an accurate grasp of customers’ needs and working with them toward the most appropriate solutions.
I have many opportunities to interact with customers in various stages of life, through which I often find that I have much to learn
from them. I want to polish my customer dialogue capabilities in order to accumulate knowledge and experience a step at a time foruse in constructing optimal proposals tailored to their individual life plans.
Kouriyama Branch

Ayako Katou

30 Nanto Report 2023, the integrated report of Nanto Bank

About Nanto Bank

Our Shared Vision

Value Creation by theDeveloping Human
Governance Supporting Our Consolidated FinancialStatements
Resources for Value Creation Group’s Human Resources Proactive Human Resources

BusinessmodelStrategies
and resources
allocation

OutlookCreation of opportunities for asset formation beginning at a younger age Establishing connections with tomorrow’s customer base
We are feeling increasingly anxious that
our younger customers’ connection
with the Group may be diminishing due
to the spread of online and cashlessbanking.
Transactions with younger people
are crucial for sustainable growth of theGroup, and we recognize the necessityof constructing a solid customer basewith an eye to the future.

NISA and iDeCo programs
NISA and iDeCo create asset-building opportunities for young people.
Ideal systems for investment novices!

724

925

2020

2021

Click for details!

Number of applications for NISA, etc.
Junior NISA
NISA(Thousand cases)(Cumulativetotal)(Cumulativetotal)

1

3
2020

56

54

52
1

Number of applications for iDeCo

Benefits of installment NISA (Thousand cases)(Million yen)2022 (Fiscal year)

 ll premiums are tax-deductible!
AGains on investment are tax-free!
Tax benefits are also available when
the customer accesses
benefits!

Click for details!

55
1,097

Three tax benefitsS teady monthly asset accumulation
Customers can save as much as¥400,000 per year for up to 20years!
Customers keep all
the profits!

(Thousand cases)

49(Individual defined contributionpension plan)

Benefits of installment NISA

 onthly amount and number of transfers to mutualM
fund savings accounts

44

Support for asset building toward retirement!

41

2021

7.4

7.8

2020

2021

8.7

8
2022 (Fiscal year)

2022 (Fiscal year)

Apply with your smartphone! Mutual fund and NISA account-opening services
Account opening is completed as soon as the next business day following the date of application!
Apply by smartphone anytime, anywhere!

Quick and easy!

Enroll in NISA and installment NISA at the same time!

24 hours a day, 365 days a year
Make a speedy application
without coming to the Bank!

3 application steps
Your investment trust account is opened assoon as the next business day after application!

If you already have a mutual fund account, you can also
open a NISA or installment NISA* account and apply for aNanto investment trust online!
*NISA and installment NISA cannot be used in combination (selection on an annual basis)

Customers who are Individual customers between the ages of 18 and 70 who have a Nanto Bank savings account (includes ordinary savings accounts)
eligible for these * Business accounts (accounts under trade names or organization names, etc.) not accepted.
services* We reserve the right to refuse to open an account due to our own considerations.

Easy application fromyour smart phone!

Provision of consulting services to solve issues facing high-net-worth individuals Support for issues such as asset inheritance by the next generation
We also provide consulting services aimed at solving issues
faced by high-net-worth individuals.
The Group members work as a team to resolve issues
related to inheritance and succession. We are pursuingefforts to solve issues facing a wide range of customers,from the young to the elderly, and are currently expanding
available services in this area to include services that help
customers prepare for risks posed by factors relating tolonger lifetimes, such as dementia or nursing care.

Available services

Testamentary trusts (preparation, custody, and execution of wills)
Testamentary trusts in lieu of wills
Calendar-year-gift trusts
Trusts allowing on-behalf withdrawals
Insurance products, etc.

Estate liquidation

Number of inheritances and trusts
Testamentary trusts

102
65
37
2020

Estate liquidation

131

138

80

83(Cases)

51

55

2021

2022 (Fiscal year)

We seek to cultivate more human resources who are equipped to resolve customers’ concerns and issues.
As part of our “know your customer” efforts, we hold meetings to train employees in visualizing the transaction status of individualcustomers and of customer information gathered through past transactions. Personnel of different ages and varied experience, including
branch managers, share opinions from various perspectives and formulate hypotheses based on an image of the customer generated
with the aim of proposing an optimal investment plan reflecting the customer’s personal life planning and concerns. These activities also
help inexperienced staff members improve their consulting and other skills as part of ongoing efforts to cultivate staff who can earncustomers’ trust.
Going forward, we will continue to support asset building by regional customers as a reliable bank to which they can entrust
their valuable assets.
Asset Consulting Department
Vice Manager Etsuko Yamaguchi

Nanto Report 2023, the integrated report of Nanto Bank31