Kiyo Bank is committed to fostering prosperity of regional society and growing together with local communities. We also strive rigorously to ensure sound operations and target solid and steady business progress. Demonstrating these commitments in our lending operations, we work hard to meet the financing needs of individuals, companies, and local government in our region. We also endeavor to improve our screening capabilities to ensure the soundness of our loan assets.
    To fulfill our social responsibilities as a regional financial institution, we also actively address the program financing needs of local governments, take on some of the lending system of government financial institutions, and work with The Housing Loan Corporation to provide loans to individuals.

Share of Loan Balance in Wakayama Prefecture (%)	Share of Total Guarantees of Credit Guarantee Associations in Wakayama Prefecture (%)
KIYO BANK 41.9%   Major Banks 11.7%   Other Regional Banks 17.5%   Shinkin Banks 16.5%   Others 12.4%	KIYO BANK 51.8%   Major Banks   1.9%   Other Regional Banks 14.9%   Shinkin Banks 20.7%   Others 10.7%