Formulation of New Medium-Term Management Plan

Overview of the New Medium-Term Management Plan

Miyazaki Bank, Ltd. has formulated the new medium-term management plan "First Call Bank 2.0 Shinka" for the three-year planning period from April 2026 to March 2029. The long-term vision is to become a "Regional Partner Enterprise Realizing Sustainable Growth Alongside the Community," with the core policy of evolving as a digital bank with physical branches. The business strategy comprises two pillars: a "business strategy to improve productivity in collaboration with the community" and a "foundation strategy to achieve sustainable growth."

Target Indicators and Key Initiatives

The final year targets are net income attributable to owners of parent of 16.5 billion yen, ROE above 7%, capital adequacy ratio of approximately 10%, and value-added growth rate of 110% (10% increase compared to FY2025). Key initiatives include strengthening the business foundation, promoting DX (digital transformation), implementing human capital management, and advancing sustainability management. Efforts to enhance non-face-to-face transaction convenience, initiatives tailored to regional characteristics, and comprehensive consulting through group collaboration will be promoted. Strategic investments are planned at 10 billion yen.