The Bank of Toyama,Ltd.

The Group is centered on its banking business and provides financial services, primarily banking, as well as leasing, credit guarantee and other services as a corporate group comprising 2 consolidated subsidiaries. Geographically, it is focused on expanding its operating base centered on Toyama Prefecture, with a branch network of approximately 38 locations, including the head office. Its affiliated companies are Toyama Lease Co., Ltd. (leasing) and Toyama Guarantee Service Co., Ltd. (credit guarantees). The Group's business structure is centered on banking, complemented by leasing. In April 2024, it launched its Seventh Medium-Term Management Plan, “Change & Challenge,” covering 1 April 2024 to 31 March 2029. Following its revision, the plan identifies 4 priority strategies: “Transforming the earnings structure in a world with interest rates,” “Strengthening regional financial capabilities through corporate support,” “Pursuing efficient management through organizational and DX reforms,” and “Establishing an efficient and effective governance framework,” with targets set for FY2028, the final fiscal year. In sustainability, the Group has disclosed initiatives relating to the SDGs, the establishment of environmental and investment and lending policies, its endorsement of the TCFD recommendations, and the conclusion of an agreement to promote decarbonization.