Our Operating Area

The Industry of Prefecture

In , the economy possesses various strengths that are embedded in Kyoto’s unique added-value industrial structure, including high-tech industries developed by adding a new wisdom to the excellent techniques of traditional industries, as well as the tourism industry and the traditional industries built upon the city’s 1,200 years of history and culture.

Top Nationally Ranked Product Categories of Kyoto Prefecture by Value of Shipments Sector Product category Value of shipments Pollution measuring instruments 9.6 billion yen (35%) Spectral photometers 5.2 billion yen (26%) High-tech and research tools Material testing machines 13.0 billion yen (39%) Medical X-ray equipment 20.4 billion yen (14%) Ready-made kimono, obi 6.8 billion yen (38%) Traditional crafts Chirimen textile 2.8 billion yen (79%) (Source) Food and beverages 61.2 billion yen (13%) METI: FY2018 industry statistics (domestic market share in %)

Operating Area and Population within the Area — Aiming to be a comprehensive and convenient regional —

Our Network — The populations within areas in our operating area and their prefectural rankings (As of October 1, 2018) —

Aichi Prefecture: 2

Kyoto Prefecture: 111 Overseas: 4 Representative Offices 2.5 million people, 13th Prefecture: 1 : 14

Hyogo Prefecture: 8 1.4 million people, 26th 5.4 million people, 7th

Osaka Prefecture: 31 Number of Branches 8.8 million people, 3rd in Our Operating Area (As of March 31) Prefecture: 7 Kyoto Shiga ara yogo Other 1.3 million people, 30th 200 169 172 174 174 174 Total population within our operating area: 19.6 million people 10 Percentage of total population of : approximately 15%

100

0

0 2016 201 2018 2019 2020

8 The , Ltd. Annual Report 2020 Support for Overseas Operations

The Bank makes use of its overseas network to support customers who are engaged in conducting business operations globally.

Creation of an Overseas Network

Overseas Network Dalian Representative Office Industrial and Commercial Bank of China Limited Bank of China (Formed a partnership in August 2005) KYOTO CHINA International Division Shanghai Representative Office

State Bank of India Hong Kong Representative Office CTBC Financial Holding Co., Ltd. (Formed a partnership in February 2013) (Formed a partnership in September 2013)

The Bank of East Asia, Limited INDIA (Formed a partnership in March 2016) THAILAND Bangkok Representative Office THE

Kasikorn Bank Metropolitan Bank and Trust Company (Formed a partnership in December 2005) VIETNAM (Formed a partnership in July 2013)

Joint Stock Commercial Bank for Investment and Development of Vietnam (Formed a partnership in August 2015) Vietnam Export Import Commercial Joint Stock Bank (Formed a partnership in August 2014)

..... The Bank of Kyoto Representative Office and Head Office

..... Partnerships with Overseas INDONESIA

Bank Negara Indonesia (Formed a partnership in April 2012) MEXICO

Banco Nacional de México, S.A., integrante del Grupo Financiero Banamex (Formed a partnership in September 2016)

Fiscal 2019 Loans to Overseas Subsidiaries of Japanese Companies

Cross-Border Loans Total of 37 loans executed Stand-by L/Cs Total of 23 L/Cs executed

USD denominated 11 loans RMB denominated 17 L/Cs

THB denominated 18 loans USD denominated 3 L/Cs

JPY denominated 8 loans THB denominated 2 L/Cs

JPY denominated 1 L/C

The Bank of Kyoto, Ltd. Annual Report 2020 9