~ Higher value, faster, wider together ~

Thank you very much for your continued support of TOMONY Holdings Group.

The Group consists of TOMONY Holdings, Inc.(the "Company"), a financial holding company, and nine consolidated subsidiaries including THE TOKUSHIMA TAISHO BANK, LTD. and THE KAGAWA BANK, LTD. and we have grown into a wide-area financial group that grows with local customers.

In April 2023, we have started the fifth management plan for three years. This plan is based on the Group management philosophy of "Customer First", "Growing with Customers", "Reliable and Secure management". Our vision for ten years ahead is to become "A wide-area financial group said it was good to choose TOMONY after all." We have positioned the management plan for the first three years to achieve the vision.
In particular, we will implement specific measures based on five basic strategies of "sustainability strategy", "sales strategy", "human resources strategy", "operation strategy", and "governance strategy"; and we will grow together with all Stakeholders by providing higher value for faster and more widely.
Furthermore, through various initiatives under the fifth management plan, we will strive to improve profitability and expected growth rates, leading to improvements in corporate value over the medium to long term.

We ask for your continued and undying support for the year ahead and beyond.

June 2024
TOMONY Holdings,Inc.