Nanto Bank : About Nanto Bank (1,388kb)

Management Philosophy

1. We conduct sound, efficient management.
2. We provide superior comprehensive financial services.
3. We pursue efforts to promote regional development.
4. We seek an identity as a trustworthy bank with strong customer appeal.

Management Vision

"Vitality Creation Bank"

Our mission as a regional financial institution is to contribute to the growth and development of our region and customers. Maximizing all our management and staff capabilities, and creating new value unique to the Nanto Bank Group, we are reinforcing our position as the banking group of choice for customers throughout our region.

Editorial Policy

Compiled in pursuit of further understanding among stakeholders of the Nanto Bank Group's strategies for creating sustainable value in the medium-to-long term, this Integrated Report was edited in compliance with the "International Integrated Reporting Framework" of the Value Reporting Foundation (former IIRC). The specific purpose of its creation was to illuminate the path to achievement of our Management Plan, "Nanto Mission and Objectives for the Next 10 Years." For detailed financial information, please refer to the separately published "Disclosure Supplement."

Range of coverage

The Report presents key information concerning the Nanto Bank Group's management strategies, business model, business conditions, stakeholders, primary risks and opportunities, performance and outlook, and governance.

Period of coverage

April 1, 2021 ~ March 31, 2022

Date issued

July 2022

Precautions concerning future predictions

This report contains forecasts and statements concerning the future prospects for the Nanto Bank Group's business strategies and financial condition. These forecasts and statements involve risks and uncertainties stemming from their dependence on future events. Please be aware that the actual results may differ materially from those foreseen by the Nanto Bank Group.

Basis for creation and presentation

CONTENTS
About Nanto Bank
Information Highlights	2
Target Image
President's Message	4
Progress under the Management Plan	10
Nara Prefecture's Potential	12
Materialities and the SDGs	14
Value Creation Process	16
Pursuing Further Value Creation	18
Developing with Our Region
		Responses to the Effects of
	E
		Accelerating Climate Change
		Meeting the Challenge of Climate Change	20

1. Realizing Sustainable Growth of Our Regional Economy

Contributing to Improved Customer Productivity	24
Facilitating Customer Commercialization	26
Stakeholder Voice	28
Pursuit of Investment Projects and Regional Contribution

through Tourism Promotion and Community Development

1. Realizing a Convenient, Prosperous Society

Support for Customers' Asset Formation	32
Improving Customer Convenience	33

Compiling the Nanto Report

1. Cultivating a Healthy Corporate Culture with Participation of Diverse Human Resources

Cultivating Unconventional Human Resources	34
Stakeholder Voice	36
Fostering Human Resources with Varied
Experiences
Enhancing the Group's Productivity	38
G Preparing for Increasingly Varied and
Complex Risks
Reinforcing Risk Management	40
Risk Management Systems and	42
Conscientious Compliance
Support for Value Creation
Corporate Governance
Executive Officers	44
Corporate Governance	46
Outside Directors' Forum	50
Stakeholder Engagement	54
About the Nanto Bank Group	58
Consolidated Financial Statements
Consolidated Financial Statements	60
Independent Auditors' Report	101
Capital Management	107

Icons representing the eight categories of content advocated in the "International Integrated Reporting Framework" published by the Value Reporting Foundation have been employed to further clarify understanding of the Nanto Bank Group's corporate culture.

Organizational overview and external environment

What is the nature of the operating environment, and how is the Bank organized to respond?

Risks and opportunities

The real risks and opportunities affecting our ability to create value in the short, medium and long term, and ways of dealing with them.

Outlook

What are the challenges and uncertainties for executing strategies, and how might they impact the Bank's business model and future performance?

Governance	Strategies and resources allocation	Basis for creation and presentation
How does the governance structure ensure short-,	What are our goals, and how do we plan to reach	How were the contents of the Report quantified and
medium- and long-term value creation?	them?	evaluated, and how were they selected?

Business model

What is the business model, and how resilient is it?

Performance

To what extent is the Bank achieving its strategic objectives, and what is the effect on capital?

Nanto Report 2022, the integrated report of Nanto Bank 1