Aozora Bank, Ltd.TSE: 8304

Loan Services and Shimada Kakegawa Shinkin Bank to Cooperate on the Further Growth and Development of Business Recovery Fund

· Issued by Aozora Bank, Ltd.

February 20, 2026 Aozora Bank, Ltd.

NEWS RELEASE Aozora Loan Services and Shimada Kakegawa Shinkin Bank to Cooperate on the Further Growth and Development of Business Recovery Fund

TOKYO February 20, 2026 - Aozora Bank, Ltd. (President and CEO: Hideto Oomi; Head Office:

Tokyo) ('Aozora' or 'the Bank') today announced the execution of a memorandum of

understanding between the Bank's subsidiary, Aozora Loan Services Co., Ltd. (President: Kimiaki Satou; Head Office: Tokyo) ('Aozora Loan Services'), and Shimada Kakegawa Shinkin Bank (Chairman: Yasushi Chiba; Head Office: Shizuoka), regarding the latter's use of the Shinkin Regional Recovery Fund.

The Shinkin Regional Recovery Fund is a business recovery fund established by the Aozora Group for the purpose of supporting the business recovery and business succession needs of credit union customers nationwide. The fund may be utilized by all credit unions throughout Japan, and leverages the extensive expertise and network of the Aozora Group.

Aozora strives to contribute to regional revitalization and the development of local economies and industries by providing tailor-made solutions to the management issues of regional financial institutions and their customers while working closely with these regional financial institutions.

[Overview of Fund]

Fund name

Shinkin Regional Recovery Fund

Type of claims

Loans to SMEs held by credit unions throughout Japan

Established

October 2013

Operator

Aozora Chiiki Saisei Co., Ltd. (Aozora Group subsidiary)

Outsourcee

Aozora Loan Services Co., Ltd. (Aozora Bank subsidiary)

[Overview of Fund Structure]

Transfer of

claims

Investment

Operator: Aozora Chiiki Saisei Co., Ltd.

Outsourcing

Recovery support

Aozora Loan Services

Customers

Aozora Bank

Credit Unions

Shinkin Regional Recovery Fund



(Contact: Tsutomu Jimbo and Yudai Kubo, Corporate Communication Division 03-6752-1217)

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