MIZUHO BANK LIMITED

Mizuho Bank, Ltd. is the core commercial banking subsidiary of Mizuho Financial Group, one of Japan’s three megabanking groups. The bank provides retail and corporate services in Japan and operates a global network of branches and offices across Asia-Pacific, Europe, the Middle East, and the Americas. Its offering covers current and savings accounts, domestic and cross-border payments, foreign currency accounts, consumer and housing loans, corporate lending, syndicated and structured finance, project and asset finance, trade finance, cash management, foreign exchange and interest rate hedging, and transaction banking connectivity (including host-to-host and SWIFT for corporates). Investment banking and capital markets services are delivered mainly through affiliated entities such as Mizuho Securities, while trust and custody functions sit with Mizuho Trust & Banking. The bank is regulated by Japan’s Financial Services Agency and the Bank of Japan, and is subject to Basel III capital and liquidity requirements; deposits are protected under Japan’s Deposit Insurance System within statutory limits. Standard fees and FX spreads apply to transfers and currency services, with processing subject to cut-off times and compliance checks. Client coverage spans individuals, small and mid-sized enterprises, large corporates, financial institutions, and the public sector, with sector expertise in areas such as infrastructure, real estate, manufacturing, and technology. The group is rated by major credit rating agencies and funds itself through deposits and wholesale markets. Mizuho has experienced notable system incidents in the past, including multiple outages in 2021 that resulted in regulatory business improvement orders; remediation and system enhancement programs followed. Operating performance is influenced by Japan’s rate environment, credit conditions, and global market volatility, and overseas activities introduce currency and cross-border regulatory risk. Account opening follows Japanese KYC requirements, and certain services may be limited to residents.