Securities Report – 214th Fiscal Period (2025/04/01 – 2026/03/31)

Ogaki Kyoritsu Bank, Ltd. Securities Report – 214th Fiscal Period (2025/04/01 – 2026/03/31)

This report is submitted pursuant to Article 24 of the Financial Instruments and Exchange Act as the securities report of Ogaki Kyoritsu Bank, Ltd. (hereinafter referred to as "the Bank") for the 214th fiscal period (from April 1, 2025 to March 31, 2026).

The Bank, headquartered in Ogaki City, Gifu Prefecture, operates as a regional bank providing community-based financial services primarily in the Chukyo region. This report discloses the Bank's management policies, financial performance, financial position, and future outlook for the fiscal period.

In terms of management overview, the Bank continues to focus on its mission of being a financial institution that grows alongside its local communities. Key initiatives include support for small and medium-sized enterprises (SMEs), assistance with personal asset formation, and contributions to regional infrastructure development. The Bank is also continuing investments in IT systems to enhance operational efficiency and customer convenience through digital transformation.

Regarding financial performance, consolidated revenue for the 214th fiscal period is projected to increase slightly compared to the previous year, primarily driven by improved lending margins and more efficient asset management. At the same time, the Bank continues to strengthen its preparedness against rising credit costs and the prolonged low-interest-rate environment.

Key risk factors include domestic and international economic trends, interest rate fluctuations, foreign exchange volatility, natural disasters, and cybersecurity threats. The Bank manages these risks through a robust risk management framework and regular reviews of its policies.

Looking ahead, the Bank will prioritize contributing to the sustainable development of the regional economy while striving to diversify revenue streams and maintain financial soundness. Priority strategies include enhancing comprehensive support for corporate clients, expanding personal financial product offerings, and further developing digital channels.

For detailed information, this report is available on the Bank's official website and the Financial Services Agency's EDINET (Electronic Disclosure for Investors' NETwork) system. The Bank sincerely hopes that investors and other stakeholders will find this report useful in making informed investment decisions.