Kyoto Financial Group,Inc.

As described in Part I, under “Corporate Information” and “Business Overview,” the Group is a holding company established through a sole-share transfer by The Bank of Kyoto, Ltd. It consists of the Company, 12 consolidated subsidiaries and 1 equity-method affiliate. Centered on banking, it mainly provides financial services including leasing, credit card and financial instruments businesses. It provides regional financial services by leveraging its customer base across the Kinki region’s 2 prefectures and 3 prefectures, as well as Aichi and Tokyo. As part of its medium- to long-term strategy, the Group announced a new medium-term management plan in April 2026, titled “Turning the Growth of Kyoto and Kansai into Japan’s Strength: The Kyoto FG Challenge!” Its key strategies are the “Total Solutions Strategy,” “Regional Growth and Co-creation Strategy” and “Continuous Optimization Strategy.” Based on an investment allocation that includes capital, human resources and digital investment, the Group aims to resolve challenges facing regional communities and enhance corporate value over the long term.