Value Creation by the Group’s Human Resources

Realizing Sustainable Growth of Our Regional Economy

Enhancement of Customers’ Corporate Value
Basic Policy
Nanto Bank’s customers face a variety of challenges today, including a shrinking workingage population and a need to deal with the pandemic’s aftermath and high resources
prices. We uncover the real, underlying problems confronting our customers and commit
ourselves to resolving them.

Fiscal 2023 Action Plan
External environment
Low economicgrowth
Declining workingage population
Acceleratingdigitalization

Goal to beachieved

Fiscal 2023 Action Plan
Supporting sustainable corporate growth by ascertaining
and resolving the real issues confronting customers
Cash management support in thewake of the coronavirus pandemic

Guiding
customers’sustainablegrowthSupport for sustainable growth ofcustomers’ core businesses

Cash management support in the wake of the coronavirus pandemic
We are further enhancing the quality of our consulting functions to revitalize businesses in the post-pandemic era by proposing
ambitious management strategies designed by a cross-organizational project team that brings together our branch offices,
headquarters, and Group companies. We continue to accumulate a record of successes in handling these issues.
Cross-organizational project team
Examination Department(Business Revitalization Office)Branch offices
Blockheadquarters

Corporate Solutions Dept.
Nanto Consulting Co., Ltd.

Cases handled (cumulative total)

76

Enhanced cooperation
with external organizations

SME Revitalization Council
REVIC, Business Succession
and Transition Support Center, etc.

Regional Business Creation Division

Strong Group-wide support for customers' renewed growth
We provide strong support for businesses that are struggling to achieve profitability in the wake of thecoronavirus pandemic, which caused a reduction in their scale of business, an increase in borrowings,and soaring prices, among other factors. To achieve our objective, we launched a cross-organizational
project team in July 2021 that brought together personnel with specialized knowledge in various fields todiscuss a grand design for the renewed growth of our business partners. We are now engaging in strategy
discussions with our customers’ management to encourage them to adopt this grand design to build alarger and stronger earnings base than they enjoyed before the pandemic.
To support customers’ efforts to improve their management further, meanwhile, we have establishedthe Nanto Business Planning Support subsidy that provides up to 500,000 yen per customer to encourage
the growth of our business partners.

Managing Executive Officer Manager, Examination Department

Koushi Okamoto

26 Nanto Report 2023, the integrated report of Nanto Bank

3120212022 (Fiscal year)(Cases)About Nanto Bank

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

Our Shared VisionBusinessmodelStrategiesand resources
allocation

Outlook

Support for sustainable growth of customers’ core businesses
As part of efforts to support the growth of our customers’ core businesses, we established a specialized IT introduction andsustainability support team in April 2023 to address their needs for the introduction of IT to raise their productivity and for sustainable
management to respond to the SDGs and related issues.
We also promote customers’ efforts toward sustainable growth by providing comprehensive support tailored to issues such as
HR sourcing, business succession, and M&A as well as to the need to hedge against risks such as exchange rate fluctuations.

Support for customers’ IT introduction and efforts toward sustainability
We support customers’ sustainable growth by providing in-depth consulting services to help them introduce IT and attainsustainable management.

Sustainability support system

Sustainability support process

Sustainability Support Team
Corporate Solutions Department

Cooperation

Branch office

Customer

STEP I

Nanto Consulting

External partners
Mitsui Group,
MS&AD InterRisk Research &Consulting, Inc., others

Establishment of Sustainability
Support Team

Business partners and sustainability consultants
Expanded loan offering• Our newly-established Sustainability Support
Team is responsible for assessing sustainability
issues such as climate change, andsubsequently coordinating optimal service
and/or consulting providers with customers.

• Collaboration with MS&AD, InterRisk Research& Consulting, Inc., and other new business
partners in addition to the Mitsui Group• Introduction of Positive Impact Finance inFebruary 2023.

Recognitionof a need

Knowledge acquisitionand ongoing dialogue

Understanding of the current
situation and visualizationof the issues

STEP IISTEP III

Consultation forproblem-solving

Solution provision

Consulting servicesfor SDGs
implementation

Study of solutions
Coordination ofsolution measures

Environmental
finance provision
Introduction of andcollaboration withexternal partners

Ongoing consultation through sustainability support

BranchofficeProactive partnership and support

Supportteam

Problem-solving support
Solution coordination

Nanto
Consulting

Planning and follow-up

Business succession and M&A

Human resources services

Business succession and M&A services for maintaining andexpanding local businesses and employment.

The Group is prepared to introduce optimal management
personnel, highly qualified experts, and skilled foreign
personnel with the necessary knowledge and knowhow tosolve the issues confronting our regional corporate customers.
We provide our consulting customers with follow-up services
for a certain time after a new employee has joined theircompany to ensure that the new employee is contributing
successful to the company’s growth and improvement of its
business structure.

Supported M&A projects

See page 28 for details.

Number of successful staff introductions(Cases)925

981(Cases)

1,116

19
14

4
2020

2021

2022

(Fiscal year)

2020

2021

2022

(Fiscal year)

Nanto Report 2023, the integrated report of Nanto Bank27