The Hyakujushi Bank, Ltd.
Regarding the Formulation of the New Medium-Term Management Plan
The Hyakujushi Bank, Ltd. has formulated a new medium-term management plan titled “Therefore, We Challenge.” covering fiscal years 2026 through 2028. The plan includes approximately 20 billion yen in system investments and about 5 billion yen in human resource investments, aiming to achieve a loan balance of 4 trillion yen, net income attributable to owners of parent of 35 billion yen, and a consolidated ROE of 8%.
Key Figures
- System Investment: Approximately 20 billion yen (Significantly exceeds the previous medium-term plan)
- Human Resource Investment: Approximately 5 billion yen (Expected increase compared to the final year of the previous medium-term plan)
- Loan Balance Target: 4 trillion yen
- Net Income Target: 35 billion yen or more
- Consolidated ROE Target: 8% or higher
AI要約
Overview of the New Medium-Term Management Plan
The Hyakujushi Bank, Ltd. has formulated a new medium-term management plan titled “Therefore, We Challenge.” spanning three years from fiscal 2026 to 2028, based on its long-term vision “Vision 2030” looking toward fiscal 2030. This plan implements about 20 billion yen in system investments to promote DX and approximately 5 billion yen in human resource investments to accelerate transformation in operations and business. Alongside achieving a loan balance of 4 trillion yen, the plan aims to realize net income attributable to owners of parent of 35 billion yen and a consolidated ROE of 8%.
Key Strategies and Management Indicators
The new medium-term management plan sets forth four core themes—“Creating Human Value,” “Promoting Financial DX,” “Regional Economic Growth,” and “Strengthening Management Foundation”—to accelerate challenges as a comprehensive consulting group. Management indicators include a consolidated ROE of 8% or higher, consolidated capital adequacy ratio of 11.5% to 12.5%, a standalone core OHR around 55%, and net income attributable to owners of parent of 35 billion yen or more, aiming for sustainable growth and improved profitability. Additionally, regional impact indicators focus on sustained improvement in Kagawa Prefecture’s economic trend index and social population growth rate.
