To all our shareholders, thank you for your continued support.

The environment in which the Group operates is changing dramatically amid a full-fledged transition to an economy with positive interest rates following the Bank of Japan lifting its negative rate policy, progress in digitalization, reinforcement of sustainability and ESG engagement, and other developments. Combined with the heightening uncertainties over the global economy and geopolitical risks, the Group’s role as a regional financial institution is increasing in importance more than ever before.

Against this backdrop, we are working on providing customers with solutions to their issues at every stage of their life and contributing to the sustainable development of regional communities and economies by fully leveraging the collective strength of the Group in accordance with the corporate purpose of “Giving our all, for TOKYO” as we aspire toward our vision for the future of creating a “comprehensive business that is also strong in finance.”

In FY2024, we worked on providing high-quality consulting services and strengthening customer relations in the continued pursuit of our role as a main bank. In terms of business performance, we reported profits that exceeded the levels of the previous fiscal year. In FY2025, we will seek to further improve the Group’s profitability and corporate value by aptly responding to the challenges and needs of our corporate and retail customers through efforts to further strengthen collaboration among Group companies and bring the services we provide to even higher levels.

We remain committed to becoming a financial group that is worthy of trust of customers, regional communities, and shareholders by accurately grasping the changes that are taking place and mobilizing Group-wide efforts. On behalf of the Group, I ask for your continued encouragement and support.

June 2025