The Kita-Nippon Bank,Ltd.

The Kitanihon Bank Group consists of Kitanihon Bank and two consolidated subsidiaries, providing financial services centered on banking operations, along with credit card and leasing services. The group aims to meet the diverse needs of local communities and businesses.In banking operations, Kitanihon Bank's head office and 76 branches offer deposit services, lending services, securities trading, securities investment, domestic and foreign exchange services, and bond trustee and registration services. These services address the fund management and investment needs of individuals and corporations.Leasing operations are handled by the consolidated subsidiary Kitagin Lease System Co., Ltd. In addition to leasing services, this company provides calculation outsourcing services and develops and sells computer software. Through these offerings, the company supports corporate capital investment and IT needs.Credit card and credit guarantee services are provided by the consolidated subsidiary Kitagin UC Co., Ltd. This company issues and manages credit cards and provides credit guarantee services, supporting consumption activities and fundraising for individuals and corporations.Additionally, Kitanihon Bank plans to establish an investment-focused subsidiary, Kitagin Capital Partners Co., Ltd., in July 2025. This new company will specialize in investment activities and aims to support regional economic revitalization and corporate growth.

The Kitanihon Bank Group consists of Kitanihon Bank and two consolidated subsidiaries, providing financial services centered on banking operations, along with credit card and leasing services. The group aims to meet the diverse needs of regional communities and businesses.

In banking operations, Kitanihon Bank operates through its head office and 76 branches, offering deposit services, lending services, securities trading, securities investment, domestic and foreign exchange services, and bond trustee and registration services. These services address the fund management and investment needs of individuals and corporations.

Leasing operations are handled by the consolidated subsidiary Kitagin Lease System Co., Ltd. In addition to leasing services, this company provides calculation outsourcing services and develops and sells computer software, thereby supporting corporate capital investment and IT needs.

Credit card and credit guarantee services are managed by the consolidated subsidiary Kitagin UC Co., Ltd. This company issues and manages credit cards and provides credit guarantee services, supporting consumption activities and fundraising for individuals and corporations.

Additionally, Kitanihon Bank plans to establish an investment-focused subsidiary, "Kitagin Capital Partners Co., Ltd.," in July 2025. This new company will specialize in investment activities and aims to support regional economic revitalization and corporate growth.

Kitanihon Bank operates primarily in Iwate Prefecture, with its core business base extending from Hachinohe to Sendai. The bank provides community-focused financial services guided by three management principles: community commitment, sound management, and respect for people. It aims to deliver high-value services to individuals and small-to-medium enterprises.Under its medium-term management plan "BRANDING THE KITAGIN QUALITY 2027," the bank targets operating profit of at least 6 billion yen, net income of at least 4 billion yen, and a capital adequacy ratio of at least 9.5% by 2027. These goals support sustainable profit growth and enhanced shareholder value.Kitanihon Bank established a new Financial Innovation & Solutions Division to strengthen support for sustainable business improvement among regional companies. The bank also plans to establish an investment subsidiary and create a fund to support business succession in the region.The bank is actively promoting women's advancement in the workplace through action plans to increase the proportion of female employees and women in management positions. In 2023, it appointed its first female department head, advancing women's participation in management.As a regional financial institution, Kitanihon Bank is committed to supporting the local economy and growing alongside its communities. The bank is working across all levels to address regional challenges while adapting to changes in the business environment.

Kitanihon Bank provides community-focused financial services with its core business base centered on Iwate Prefecture, spanning from Hachinohe to Sendai. The bank operates under three management principles: "Community Focus," "Sound Management," and "Human Respect." It aims to deliver high-value-added services to individuals and small-to-medium enterprises.

Under its medium-term management plan "BRANDING THE KITAGIN QUALITY 2027," the bank targets the following by 2027: ordinary profit of 6 billion yen or more, net profit of 4 billion yen or more, and a capital adequacy ratio of 9.5% or higher. These targets are designed to achieve sustainable profit growth and enhance shareholder value.

Kitanihon Bank has established a new Financial Innovation & Solutions Division to strengthen its support system for sustainable management improvement of regional companies. The bank also plans to establish an investment subsidiary and create funds to support business succession in the region.

The bank is actively promoting women's advancement in the workplace. It has developed action plans to increase the proportion of female employees and women in management positions. In 2023, the bank appointed its first female department head, advancing women's participation in management.

As a regional financial institution, Kitanihon Bank is committed to supporting the local economy and growing together with its communities. The bank is working across all levels to address regional challenges while adapting to changes in the business environment.

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