Securities Report – 123rd Fiscal Period (April 1, 2025 – March 31, 2026)

Tochigi Bank, Ltd. Securities Report – 123rd Fiscal Period (April 1, 2025 – March 31, 2026)

This document is the Securities Report prepared by Tochigi Bank, Ltd. (hereinafter referred to as "the Bank") in accordance with the Financial Instruments and Exchange Act, providing information on the Bank's financial condition and operating results for the 123rd fiscal period (April 1, 2025 to March 31, 2026).

The Bank operates as a regional financial institution deeply rooted in Tochigi Prefecture, offering a wide range of financial services to individual and corporate customers, including deposits, loans, foreign exchange, investment trusts, and insurance agency services. In addition, the Bank actively supports small and medium-sized enterprises and regional revitalization initiatives to contribute to the development of the local economy.

This report discloses consolidated and individual financial statements, management policies, business environment and key challenges, future outlook, risk factors, corporate governance practices, and executive compensation. These disclosures serve as essential materials for investors and other stakeholders to accurately understand the Bank's operations and make informed decisions.

Going forward, the Bank will continue to enhance transparent information disclosure while pursuing sustainable growth and increasing shareholder value.