The Hyakujushi Bank, Ltd. has formulated a new medium-term management plan titled \u201cTherefore, We Challenge.\u201d 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%.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"8386","jir_company_name":"The Hyakujushi Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-04-01","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/04\/8386-20260401-01.pdf","jir_short_summary":"The Hyakujushi Bank, Ltd. has formulated a new medium-term management plan titled \u201cTherefore, We Challenge.\u201d 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%.","jir_summary":"### Overview of the New Medium-Term Management Plan\nThe Hyakujushi Bank, Ltd. has formulated a new medium-term management plan titled \u201cTherefore, We Challenge.\u201d spanning three years from fiscal 2026 to 2028, based on its long-term vision \u201cVision 2030\u201d 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%.\n\n### Key Strategies and Management Indicators\nThe new medium-term management plan sets forth four core themes\u2014\u201cCreating Human Value,\u201d \u201cPromoting Financial DX,\u201d \u201cRegional Economic Growth,\u201d and \u201cStrengthening Management Foundation\u201d\u2014to 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\u2019s economic trend index and social population growth rate.","jir_financial_highlights":"System Investment: Approximately 20 billion yen (Significantly exceeds the previous medium-term management plan)\nHuman Resource Investment: Approximately 5 billion yen (Expected increase compared to the final year of the previous medium-term plan)\nLoan Balance: 4 trillion yen (Target of the new medium-term management plan)\nNet Income Attributable to Owners of Parent: 35 billion yen (Target for the final year of the new medium-term management plan)\nConsolidated ROE: 8% (Target for the final year of the new medium-term management plan)","jir_category":"","jir_hashtags":"#HyakujushiBank, #MediumTermManagementPlan, #DXPromotion, #FinancialIndustry, #JapaneseStocks","jir_key_figures":"System Investment: Approximately 20 billion yen (Significantly exceeds the previous medium-term plan)\nHuman Resource Investment: Approximately 5 billion yen (Expected increase compared to the final year of the previous medium-term plan)\nLoan Balance Target: 4 trillion yen\nNet Income Target: 35 billion yen or more\nConsolidated ROE Target: 8% or higher","jir_meta_title":"The Hyakujushi Bank Formulates New Medium-Term Management Plan \u201cTherefore, We Challenge.\u201d Aiming for Net Income of 35 Billion Yen and 8% ROE","jir_meta_description":"The Hyakujushi Bank announces its new medium-term management plan for fiscal years 2026 to 2028. The plan includes approximately 20 billion yen in system investments and about 5 billion yen in human resource investments, targeting a loan balance of 4 trillion yen, net income of 35 billion yen, and consolidated ROE of 8%.","jir_og_title":"The Hyakujushi Bank Announces New Medium-Term Management Plan \u201cTherefore, We Challenge.\u201d","jir_og_description":"The Hyakujushi Bank has strengthened DX and human resource investments and formulated a new medium-term management plan aiming for net income of 35 billion yen and consolidated ROE of 8% by fiscal 2028.","jir_og_image_url":"\/assets\/og\/company-business_update.jpg","jir_chart_data_collection":"[]","ir_related_company":9046,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"business_update","footnotes":""},"sector":[],"importance":[],"class_list":["post-38474","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n