Kyoto Financial : FY2024 Financial Results Briefing Session

May, 2025

(Securities code: 5844)

1. Business performance overview

   Financial Summary of FY2024 3

   4

   Financial Results Summary of FY2024 (Kyoto Bank, non- consolidated)

   5

   Interest Income and Rate earned on Loans and Bills (Kyoto Bank, non-consolidated)

   Non-interest Income (Consolidated) 6

   Deposits 26

   Market Operations 27

   Shareholder returns 28

   Capital Allocation 29

   Reduction of Strategic Equity Holdings 30

   Expansion of Shareholder Base and Dialogue with 31

   Credit Costs and Disclosed assets

   (Kyoto Bank, Non-consolidated)

   7 Shareholders and Investors

   Initiatives for a Sustainable Society 32

   Financial Results Forecast for FY2025 8

2. Management strategy

   New Strategic Targets 10

   The 2nd Medium-Term Management Plan 11

   ROE 12

   Reinforcement of Governance 13

   External Downside Factor: US Tariff Measures 14

   15

   External Factors for Upside Impact of rising JPY interest rate (Kyoto Bank, Non-consolidated)

   Results of Group Companies (Excluding Kyoto Bank) 16

   Group-wide Strategy to Meet the Challenge of Change (1) 17

   Group-wide Strategy to Meet the Challenge of Change (2) 18

   Group-wide Strategy to Meet the Challenge of Change (3) 19

   Movement Ahead of Next Medium-Term Management Plan 20

   Lending to SMEs and Individuals 21

   Structured Finance 22

   Corporate Consulting 23

   Corporate Consulting Results 24

   Personal Consulting 25

   HR Strategy (Human Capital Management) (1) 33

   HR Strategy (Human Capital Management) (2) 34

   DX Strategy 35

3. Reference material

History of Kyoto Bank (Outline: Establishment to Heisei Eras) 37

Outline of Kinki Region 38

Attraction of Kyoto Prefecture 39

Initiatives to Contribute to Local Communities 40

41

Deposits and negotiable certificates of deposit (Kyoto Bank, Non-consolidated)

42

Loans and bills discounted (Kyoto Bank, Non-consolidated)

Expenses and OHR 43

Market Operations 44

Efforts to Improve Corporate Value 45

BPS 46

Group Companies 47

Governance Structure 48 1

Index

Ⅰ. Business performance overview

(JPY bn)

Kyoto FG's consolidated net income reached an all-time high, including periods before the transition to a holding company structure, driven by the higher profits of Kyoto Bank.

Financial Summary of FY2024

Gross operating profit Net interest income

Net fees and commissions

92.0

79.8

13.1

FY2024

98.9

84.4

13.3

(JPY bn)

YoY

6.9

4.6

0.2

Increase mainly in interest on loans, etc.

Other operating profit

Bond-relatedincomesuchas JGBs

Expenses

Actual net operating profit

Core net business profit

Excluding gains(losses) on bonds and cancellation of investment trusts

Provision for general allowance for loan Losses (A) Net operating profit

Nonrecurring profit and loss

Bad debt written-off (B) Reversalofallowancefor loanlosses (C) Other

Gain(loss) on stocks Ordinary profit

Extraordinary profit and loss

(0.9)

(2.9)

55.3

36.6

39.6

39.4

-36.6

4.7

0.6

0.8

4.5

5.2

41.3

(0.6)

1.2

(2.8)

56.9

42.0

44.9

44.3

-42.0

5.9

0.4

0.6

5.7

5.6

47.9

(0.3)

2.1

0.1

1.6

5.4

5.3

4.9

-5.4

1.2

(0.2)

(0.2)

1.2

0.4

6.6

0.3

hitting a record highs

for five consecutive years

Net income

29.6

34.8

5.2

Increase for four consecutive years.

Credit costs (A)+(B)-(C)

(0.1)

(0.1)

0.0 4

Financial Results Summary of FY2024 (Kyoto Bank, non- consolidated)