Securities Report - 211th Fiscal Period (2025/04/01 - 2026/03/31)

Hyoju Bank, Ltd. Securities Report - 211th Fiscal Period (2025/04/01 - 2026/03/31)

This document is the Securities Report filed by Hyoju Bank, Ltd. (hereinafter referred to as "the Bank") in accordance with the Financial Instruments and Exchange Act. The reporting period covers the 211th fiscal term from April 1, 2025 to March 31, 2026, and provides disclosure on the Bank's financial condition, operating results, and management policies to investors and market participants.

As a regional financial institution centered in Mie Prefecture, the Bank offers a wide range of financial services including deposits, loans, foreign exchange, securities, and insurance to individual and corporate customers. Committed to supporting regional economic development, the Bank actively promotes initiatives for small and medium-sized enterprise (SME) support and regional revitalization.

The report includes consolidated and individual financial statements, management strategies, risk factors, corporate governance practices, executive compensation details, shareholder composition, and future outlook. These disclosures serve as essential reference materials for investment decision-making.

The Bank remains committed to transparent and timely information disclosure to strengthen trust with shareholders and investors. Through digital transformation and operational efficiency improvements, the Bank aims to achieve sustainable growth and build a stable earnings structure.

The full report is available for viewing and download on the Bank's official website and the Financial Services Agency's EDINET (Electronic Disclosure for Investors' NETwork) system. Investors are encouraged to review the complete contents for informed decision-making.