THE TOCHIGI BANK, LTD. (8550) Stock Price

The Tochigi Bank Group consists of Tochigi Bank and six consolidated subsidiaries, providing a wide range of financial services centered primarily on banking operations. Specifically, the group offers deposit and lending services, securities trading, retail sales of investment trusts, retail sales of insurance products, securities investment, domestic and foreign exchange services, and bond trustee and registration services.

Tochigi Bank also engages in financial instruments trading business, conducting securities trading operations. Through these services, the bank provides customers with diverse investment opportunities and supports asset management. These operations are conducted in coordination with banking services to meet customer needs.

Additionally, the Tochigi Bank Group provides leasing services for various types of equipment. This supports capital investment for both companies and individuals, expanding their financing options. Leasing operations play an important role as part of the group's financial services.

Credit guarantee services represent another key business for the Tochigi Bank Group. The group particularly handles mortgage guarantee services, supporting customers in purchasing homes with confidence. Through these services, the group contributes to the development of the local community.

In card services, the group provides credit card-related services. This enables customers to use convenient and secure payment methods, enhancing the convenience of daily life. Card services represent an important field in providing services tailored to customer lifestyles.

Furthermore, the Tochigi Bank Group operates renewable energy generation and sales services. The group engages in renewable energy generation, sales, and consulting, contributing to the realization of a sustainable society. Activities in this field aim to demonstrate environmental consideration and contribute to the local community.

Tochigi Bank aims to be a trusted financial institution that contributes to the development of the communities it serves. As a regional financial institution, the bank seeks to remain familiar and trusted by local customers while developing into a bank with flexible responsiveness and strong financial capacity.

On the occasion of its 80th anniversary in December 2022, Tochigi Bank established its corporate purpose based on a survey of all employees and officers. The bank has adopted the mission of "transforming difficulties into gratitude while continuing to protect smiles and happiness," and aims for the entire organization to move in the same direction.

Tochigi Bank's long-term vision is to be a corporate group that co-creates the region's future through "relationships" and "solutions." The bank aims to solve regional challenges and create a sustainable future, building relationships with communities by leveraging its approachability.

The 11th Medium-Term Management Plan focuses on "realizing new value delivery." The bank is working to strengthen credit creation for the region and pursue new business areas, while contributing to the creation of a sustainable regional future. The bank is actively making growth investments in human resources, digital transformation, and systems to drive organizational change.

Tochigi Bank pursues its basic strategies of strengthening profitability, reinforcing organizational structure, and enhancing human capital investment to improve operational efficiency and rationalization. To meet diverse customer needs, the bank is strengthening relationship-focused sales activities and contributing to regional development.

Tochigi Bank is enhancing alignment between SDGs/ESG and business activities, practicing management that considers environmental, social, and economic impact. Based on its sustainability policy, the bank is advancing regional development and corporate value enhancement.