Message from the President

I would like to express my sincere appreciation to all of you for your continued support and patronage.

In order to continue to be a “financial group that is indispensable to its region” as stated in our Management Principles, the Group aims to become the most accessible and trusted institution by sincerely addressing the issues faced by local communities and customers, as well as improving the range and quality of our solutions. Because of this determination, we have designated Our Vision as “a solution company rooted in communities and selected as a partner to walk together.”

Under the medium-term management plan, which started in April 2025, all employees are working together to maximize human capital, enhance our organizational strength by improving productivity through DX promotion, achieve sustainable development of regional economies, as well as achieve steady growth in the home market under the three basic themes of “Growth,” “Empowerment,” and “Sustainability.”

The business environment surrounding the Group is at a major turning point from recent changes in economic conditions in Japan and overseas, financial conditions, and the progress of digital technology, including generative AI. We recognize that these changes in the environment will bring opportunities, uncertainties, and challenges to regional communities and our customers.

Even at this time of major transition, we will continue to concentrate the comprehensive strengths of the Group and strive to create both social and economic value as well as enhance corporate value by providing optimal financial services to local communities and our customers. At the same time, we will also work on enhancing shareholder returns to build a management foundation that will continue to be supported by all stakeholders.

With an unchanging attitude of “never afraid to take on challenges,” we are determined to open up the future together with local communities and play a part in regional revitalization.

I look forward to your continued support in the future.