The Shikoku Bank, Ltd.
Formulation of Medium-Term Management Plan
The Shikoku Bank, Ltd. has formulated the Medium-Term Management Plan 2026 spanning three years starting April 2026, aiming for net income attributable to owners of parent of over 12 billion yen and an ROE above 6% by FY2028.
Key Figures
- Net Income Attributable to Owners of Parent (FY2026 Plan): 8.6 billion yen
- Net Income Attributable to Owners of Parent (FY2028 Target): over 12 billion yen
- ROE (FY2026 Plan): 5.0%
- ROE (FY2028 Target): above 6%
- Capital Adequacy Ratio (FY2026 Plan): 8.1%
- OHR (FY2026 Plan): 56%
- OHR (FY2028 Target): approximately 60%
AI要約
Overview of the Medium-Term Management Plan
The Shikoku Bank, Ltd. has established the “Medium-Term Management Plan 2026,” covering the three-year period from April 2026 to March 2029. As the final step of its 10-year vision, “Best & Reliable Company Leading the Region and Industries,” the plan focuses on deepening transformation and pursuing growth. Branches will strengthen contact points with the local community and customers, while headquarters will rigorously support branches by leveraging specialized expertise. Utilizing a wide-area branch network centered on Kochi and Tokushima, the bank aims to enhance value in line with regional strategies.
Strategic and Numerical Goals
The strategic goals include strengthening human capital, organizational transformation, demonstrating the Shikoku Bank style, and enhancing corporate value. In human capital, initiatives will promote the development of diverse talent and creation of a comfortable working environment. Organizational transformation targets productivity improvements through strengthening both face-to-face and non-face-to-face channels and leveraging AI and digital technologies. The financial targets for FY2028 are net income attributable to owners of parent over 12 billion yen, ROE above 6%, capital adequacy ratio in the low 8% range, and OHR around 60%. The plan also sets indicators for strengthening the management foundation and pursues multifaceted efforts such as solving regional issues, creating new businesses, and supporting business succession and M&A.
