Kyoto Financial : NOTICE OF THE 3RD ORDINARY GENERAL MEETING OF SHAREHOLDERS

Securities code: 5844

June 1, 2026

To our shareholders:

Nobuhiro Doi

Representative Director and President

700, Yakushimae-cho, Karasuma-dori, Matsubara-Agaru, Shimogyo-ku, Kyoto, Japan

The 3rd Ordinary General Meeting of Shareholders of Kyoto Financial Group, Inc. (the “Company”) will be held as described below.

If you are unable to attend the meeting on the day, please review the attached Reference Documents for the General Meeting of Shareholders, indicate your approval or disapproval of the proposals, and return it by the Internet or postal mail to reach us no later than 5:00 p.m. on Thursday, June 25, 2026 (Japan Standard Time).

1. Date and Time: Friday, June 26, 2026 at 10:00 a.m. (Japan Standard Time) (Reception will open at 9:00 a.m.)
2. Venue: 7th floor Hall, Head office of the Bank of Kyoto, Ltd.

   700, Yakushimae-cho, Karasuma-dori, Matsubara-Agaru, Shimogyo-ku, Kyoto, Japan

3. Purposes:Items to be reported:

   1. Business Report and Consolidated Financial Statements, as well as the results of audit of the Consolidated Financial Statements by the Accounting Auditor and the Audit and Supervisory Committee for the 3rd Term (from April 1, 2025 to March 31, 2026)

   2. Non-Consolidated Financial Statements for the 3rd Term (from April 1, 2025 to March 31, 2026)

      Items to be resolved:Proposal 1: Election of five (5) Directors (excluding those who are Audit and Supervisory Committee Members)Proposal 2: Election of one (1) Director who is an Audit and Supervisory Committee Member
4. Decisions Made in Preparation for the Meeting

1. If you vote both via the Internet and in writing on the Voting Rights Exercise Form, only your vote placed via the Internet will be valid. In addition, if you submit your vote more than once via the Internet, only the last vote will be valid.

2. If approval or disapproval is not indicated for any proposal on a submitted Voting Rights Exercise Form, it will be treated as indication of approval for the proposal concerned.

• Please be understanding in advance that no gift will be provided for shareholders at the meeting.

• In the case of any amendments to the matters for which measures for electronically providing information are to be taken before the meeting, they will be available on the relevant websites above.

A summary video of the above “Items to be reported” will be posted on the Company’s website after the conclusion of this Ordinary General Meeting of Shareholders.

https://www.kyoto-fg.co.jp/ir/stock/meeting/ (in Japanese)

• Measures for Electronically Providing Information

  For the convocation of the 3rd Ordinary General Meeting of Shareholders, the Company has taken measures to electronically provide information that constitutes the content of Reference Documents for the General Meeting of Shareholders (matters for which measures for electronically providing information are to be taken), and posted a notice on the following websites on the Internet as the “Notice of Convocation of the 3rd Ordinary General Meeting of Shareholders.” Please access and review this information using the links below to check.

  The Company’s website (General Meeting of Shareholders):

  https://www.kyoto-fg.co.jp/ir/stock/meeting/ (in Japanese) Tokyo Stock Exchange website (Listed Company Search):

  https://www2.jpx.co.jp/tseHpFront/JJK010010Action.do?Show=Show (in Japanese)

  (Please access the website, enter or search for the issue name “Kyoto Financial Group, Inc.” or the code “5844,” and select “Basic information” and “Documents for public inspection/PR information.”)

  • Although provided as part of the matters for which measures for electronically providing information are to be taken, the following items are not included in the physical documents delivered to shareholders who have requested printed materials, in accordance with legal requirements and the Company’s Articles of Incorporation. Furthermore, the Audit and Supervisory Committee and the Accounting Auditor audit the applicable documents, including the following:

    1. In the Business Report, two items under section “1. Matters related to the current status of the Company,” specifically, “(4) Status of major sales offices, etc. of the Financial Group,” and “(9) Other important matters regarding the current status of the Financial Group.” Also in the same report, the following sections: “5. Matters related to stock acquisition rights, etc.,” “6. Matters related to the Accounting Auditor,” “7. Basic policy regarding those directing decisions on financial and business policies,” “8. Systems to ensure appropriate business operations,” “9. Matters concerning specified wholly owned subsidiaries,” “10. Matters concerning transactions with the parent company, etc.,” and “11. Matters concerning the Accounting Advisor.”

    2. In the Consolidated Financial Statements, the following items: Consolidated Balance Sheets, Consolidated Statements of Income, Consolidated Statement of Changes in Net Assets, and Notes to the Consolidated Financial Statements.

    3. In the Non-Consolidated Financial Statements, the following items: Non-Consolidated Balance Sheets, Non-Consolidated Statements of Income, Non-Consolidated Statement of Changes in Net Assets, and Notes to the Non-Consolidated Financial Statements.

    4. In the Audit Report, the following items: Certified Copy of the Accounting Auditor’s Report on the Consolidated Financial Statements, Certified Copy of the Accounting Auditor’s Report, and Certified Copy of the Audit Report of the Audit and Supervisory Committee.

• Exercise of Voting Rights

Please refer to “the Information About Exercising Voting Rights via the Internet” (in Japanese only) on the next page and access the following Voting Rights Exercise Site (in Japanese only). Follow the instructions on the screen and indicate approval or disapproval of each proposal no later than 5:00 p.m. on Thursday, June 25, 2026 (Japan Standard Time).

https://evote.tr.mufg.jp/ (in Japanese)

Please indicate approval or disapproval of each proposal in the enclosed Voting Rights Exercise Form and return it by postal mail to reach us no later than 5:00 p.m. on Thursday, June 25, 2026 (Japan Standard Time).

If you plan to attend the meeting on the day, please submit the enclosed Voting Rights Exercise Form at the reception desk.

(Addition of one (1) Director)

The terms of office of all four (4) Directors (excluding those who are Audit and Supervisory Committee Members, the same shall apply in this proposal) will expire at the conclusion of this Ordinary General Meeting of Shareholders. In that regard, the Company is increasing the number of Outside Directors by one

(1) to ensure the transparency of management and further enhance its corporate governance, and it proposes the election of five (5) Directors.

This Proposal has also been discussed by the Audit and Supervisory Committee, which expressed an opinion that no specific matters need to be addressed.

The candidates for Directors are as follows:

-