Our Operating Area Geographically advantageous Shiga Prefecture; located in the center of Japan Biwa Lake Kyoto Branch Nagoya Branch Osaka Branch Tokyo Branch Shiga Prefecture Leading population growth rates in Japan Population exceeded 1.4 million in the year ended March 31, 2009 (Thousands) Prefecture Growth rate 1,500 1,400 1,400 1 Tokyo 0.63% 1,340 1,380 1,280 2 Aichi 0.59% 1,220 1,150 3 Shiga 0.43% 1,070 1,000 980 Population Estimates for 2008, Oct. 2007 to Sept. 2008, Ministry of Internal Affairs and Communications 500 0 1975 1980 1985 1990 1995 2000 2005 2008 2009 3 SHIGA BANK Annual Report 2010 High population of youth: advantageous for securing High educational level; advantageous for obtaining future labor force future high-grade human resources Ratio of youth among Number of students per Prefecture population Prefecture 100,000 population 1 Okinawa 18.40% 1 Kyoto 6,080 2 Shiga 15.20% 2 Tokyo 5,564 3 Aichi 14.70% 3 Shiga 2,648 Population Estimates for 2008, Oct. 2007 to Sept. 2008, Ministry of Internal Affairs and Population Estimates for 2008, Oct. 2007 to Sept. 2008, Ministry of Internal Affairs and Communications Communications Expanding deposits and savings underpinned by high growth market Deposits (including negotiable certificate of deposits) Loans and bills discounted (Average balances during the period) (Average balances during the period) Total deposits Total Loans and bills discounted (Billions of yen) Individual deposits (Billions of yen) Loans and bills discounted to consumers 4,000 3,000 3,839.0 36,84.6 3,723.0 2,613.0 2,669.8 2,502.5 3,000 2,921.3 2,000 2,733.5 2,830.5 2,000 1,000 1,000 853.8 871.2 871.0 0 0 2008 2009 2010 2008 2009 2010 Deposit balances (share in Shiga Prefecture) Balances of loans and bills discounted (share in Shiga Prefecture) (As of September 30, 2009) (As of September 30, 2009) Other regional banks Other regional banks City banks City banks 2.45% 6.41% 2.32% 2.98% Second-tier regional banks Second-tier 13.10% regional banks 18.60% Shinkin banks Shiga Bank Shiga Bank 14.10% 44.49% 44.09% Shinkin banks Credit associations 14.60% 2.43% Others Credit associations Others 21.11% 2.24% 11.08% (Excluding Japan Post Bank and Shoko Chukin Bank) (Excluding Japan Post Bank, Shoko Chukin Bank, and Japan Finance Corporation) SHIGA BANK Annual Report 2010 4.