A bout The Juroku BankTransition to a Holding
Company Structure“Creating the future of the region together,” we willcontribute to achieving growth and prosperity forour customers and the local community bydemonstrating the Group’s comprehensive
capabilities as a provider of comprehensive financial
services to the region.
Naoki Ikeda
Deputy President

The Group’s history
Juroku Lease
established

Juroku Diamond
Credit established(currently Juroku
Card)

Merger with The
Gifu Bank

Juroku ResearchInstituteestablished

Juroku Tokai
Tokyo Securities
commencedoperations

NOBUNAGA
Capital VillageestablishedMarch1975

August1982

September2012

June2013

June
2019

April
2021

Group Management Philosophy
Our group management

Achieving growthand prosperity forMission

philosophy is inherited fromGroup Management Philosophy

our customers andthe local community

the basic philosophy of The
Juroku Bank, and represents theWe aspire to be a comprehensive
financial group that builds afuture with local communities
and achieves sustainablegrowth with local economies

fundamental spirit of theJuroku Financial Group and thefoundation for all of our officers’

in order to contribute to the realization of aVisionsustainable society.

and employees’ activities. It
consists of three parts: Mission,Values

Code ofConduct

Code of Conduct

Trust &Integrity

Creation &Innovation

Diversity &Inclusion

We will act with integrity tosecure the trust and business of
our customers and the local
community

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.

putting our philosophy into
practice, the specific conduct ofour staff is governed by theCode of Conduct.

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

Juroku Financial Group: Creating the future of the region together
8Vision, and Values. WhenObjectives of the transition to a holding company structure
1. Expand the business domain
2. Optimize allocation of Group management resources
3. Enhance auditing and supervisory functions and accelerate business execution
Change in market scale
Change in society

Transformation of the business model

Respond flexibly to change in the environment
October
2021

Juroku Financial Group:
Creating the future of the region together

Transition to a holding
company structure

Creation of shared value
Resolving challenges
for customers and local
communities

Enhancing corporate
value

Sustainable regional growth

1st Management Plan (Outline)
The Juroku Financial Group intends to formulate its 1st Management Plan covering the period from October 2021 to March 2023. The
Juroku Financial Group seeks to maximize synergies through its three group strategies, with “expand the business domain” and “respond todiversifying needs” as its growth drivers, to become a “comprehensive financial group that builds a future with local communities andachieves sustainable growth with local economies.”
Group Strategy Outline

Improve usability
and productivity
Leveraging digitaltechnology and data incustomer marketing
Accelerating
digitalization ofoperations to createtime for action andenhance value

Customer-firstmarketingstrategy

Further leverage
problem-solving
power
Leveraging consulting
functions by concentratinggroup management
resources
Proposing diverse
solutions to challenges

Expand the businessdomainRespond todiversifying
RegionalDX strategy
commitment
needs
strategy

Regional total design
Fulfilling a central role in regional revitalization by expanding the business domain
Redoubling efforts by all group officers and employees toward SDGs andregional revitalization

Customer-first marketing strategy - Further leverage problem-solving

power -

Based on the principle of customer-first marketing, we will create shared value
with our customers and the local community by leveraging consulting functions
through the concentration of group management resources and proposing diverse
solutions to challenges.

DX strategy - Improve usability and productivity We will leverage digital technology and data through alliances within and outside
the group for customer marketing, accelerating digitalization of operations tocreate time for action, and engage our officers and employees in high value-addedactivities.

Regional commitment strategy - Regional total design We will redouble efforts by all group officers and employees toward SDGs andregional revitalization to realize a sustainable society, and fulfill a central role inregional revitalization in our management bases in Gifu and Aichi prefectures byexpanding our business domain.

9