Securities Report - 106th Fiscal Period (2025/04/01 - 2026/03/31)

Tohoku Bank, Ltd. Securities Report – 106th Fiscal Period (2025/04/01 – 2026/03/31)

This document is a Securities Report submitted by Tohoku Bank, Ltd. (hereinafter referred to as "the Bank") in accordance with the Financial Instruments and Exchange Act. It provides comprehensive information on the Bank’s business performance, financial condition, and management policies for the 106th fiscal period, from April 1, 2025, to March 31, 2026.

As a regional financial institution centered in the Tohoku region, the Bank offers a wide range of financial services to individual and corporate customers, including deposits, loans, foreign exchange, and investment trust sales. This report details the Bank’s financial highlights, asset and liability positions, revenue structure, risk factors, and future business strategies for the reporting period.

Financially, the Bank recorded consolidated net sales of XX billion yen and net profit of XX billion yen for the period. While profitability slightly declined year-on-year due to changing interest rate environments and increased credit costs, the Bank continues to maintain its community-based business model and is actively diversifying revenue streams. Key growth drivers include the advancement of digital banking and expanded lending support for small and medium-sized enterprises (SMEs).

The Bank also positions ESG management as a core strategic priority, focusing on contributions to carbon neutrality, community engagement, and governance enhancement. Initiatives include financing for renewable energy projects, development of SDG-linked financial products, and strengthening internal control systems.

Looking ahead, the Bank plans to strengthen non-interest income and expand fee-based revenue in anticipation of prolonged low interest rates. It will enhance customer analytics using AI and big data to deliver personalized financial services. Additionally, the Bank intends to accelerate its digital transformation (DX) by exploring partnerships with fintech companies.

This report serves as a vital resource for investors and other stakeholders to understand the Bank’s operations and strategic direction. Detailed financial figures, quarterly results, auditor’s reports, and management commentary are available in supplementary documents or through electronic disclosure via EDINET.