About Nanto Bank Introducing Nanto Bank Deposits (Unit: ¥100 million) Loans (Unit: ¥100 million) 6,000 4,500 5,500 ¥ 5,042.1 billion 4,000 ¥ 3,477.1 billion 5,000 4,917.5 3,500 3,405.2 4,826.9 3,340.8 4,500 3,000 0 0 FY2018 FY2019 FY2020 FY2018 FY2019 FY2020 Business loans (Unit: ¥100 million) Personal loans (Unit: ¥100 million) 3,000 1,800 2,500 ¥ 1,780.6 billion 1,500 ¥ 1,075.7 billion 2,000 1,200 1,053.7 1,070.8 1,675.5 1,728.1 1,500 900 1,000 600 500 300 0 0 FY2018 FY2019 FY2020 FY2018 FY2019 FY2020 (Enter the balance at the end of each period) 2 Nanto Report 2020, the integrated report of Nanto Bank Nanto Report 2020, the integrated report of Nanto Bank Performance Organizational overview and external environment Nanto Bank Profile (as of March 31, 2020) June 1, 1934 Nanto Bank Co., Ltd. was established through a merger of Sixty- Established: June 1, 1934 eight Bank Co., Ltd., Yoshino Bank, Ltd., Yagi Bank, Ltd., and Gosho Headquarters: 16 Hashimoto-cho, Nara, Japan Bank, Ltd. Capitalization: ¥37,924.15 million Today, Nanto Bank offers comprehensive financial services including Homepage: https://www.nantobank.co.jp/ leasing, trust banking, securities and consulting as the Nanto Bank Group and conducts the banking business (deposits, loans, exchange, etc.), with Nara Prefecture and the surrounding region as its primary base of operations. As of end March 2020, the Bank’s deposits amounted to ¥5 trillion, a sum that positions it in 20th place among Japan’s 64 regional banks. Its share of deposits and loans in Nara Prefecture is nearly 50%. Shares held in Nara prefecture Deposits Loans Credit unions Trust banks Credit unions Trust banks 17.9% 2.6% 20.4% 0.0% Local banks Local banks 3.8% 9.3% Nanto Bank Nanto Bank City banks City banks % 49.7% 26.3% 49.1 20.4% (As of end March 2020: Covering Banks/prefectural credit unions <excluding Japan Post Bank, agricultural cooperatives, etc.>) Regional* deposit balance and ratio by prefecture Regional* loan balance and ratio by prefecture Wakayama Prefecture Mie Prefecture Wakayama Prefecture Mie Prefecture 3.57% 1.48% 3.37% 0.71% ¥179.4 billion ¥744 billion ¥101.5 billion ¥21.5 billion Kyoto Prefecture Kyoto Prefecture 7.06% 9.16% ¥354.3 billion ¥275.6 billion Osaka/ Osaka/ Hyogo prefectures Hyogo prefectures 29.16% 6.38% ¥877.5 billion ¥320.2 billion Nara Prefecture Nara Prefecture 81.4% 57.5% ¥4,086.2 billion ¥1,732.8 billion *Definition of the Nanto Bank region The Nanto Bank has expanded its base of operations to include six prefectures, Nara, Osaka, Hyogo, Kyoto, Wakayama, and Mie prefectures, as its local business region. References to our region are to this region, to whose people and economy we have been providing close, active support for many years. Nanto Report 2020, the integrated report of Nanto Bank Nanto Report 2020, the integrated report of Nanto Bank 3.