Suruga Bank has formulated a medium-term management plan targeting the three fiscal years from 2026 to 2028. It has set KPI targets including ordinary income of 52.5 billion yen, ROE of 11.0% or higher, and core business gross profit of 77 billion yen for fiscal 2028.<\/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":"8358","jir_company_name":"Suruga Bank Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-04-24","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/04\/8358-20260424-01.pdf","jir_short_summary":"Suruga Bank has formulated a medium-term management plan targeting the three fiscal years from 2026 to 2028. It has set KPI targets including ordinary income of 52.5 billion yen, ROE of 11.0% or higher, and core business gross profit of 77 billion yen for fiscal 2028.","jir_summary":"### Overview of the Medium-Term Management Plan\nSuruga Bank has formulated a medium-term management plan covering the three fiscal years from 2026 to 2028. The plan period is from April 1, 2026 to March 31, 2029. The background of the plan is to build on the results achieved from 'Re:Start 2025 Phase 2' promoted over three years from fiscal 2023, aiming to fully launch a re-growth trajectory. Newly set KPIs include a consolidated ROE of 11.0% or higher, ordinary income of 52.5 billion yen, core business gross profit of 77 billion yen, core expense ratio of approximately 50%, and disclosure debt ratio in the 2% range for fiscal 2028.\n\n### Management Strategies and Key Initiatives\nThree management strategies will be promoted. I. Deepening the Yatsugatake Model (Polishing 'Difference' through Pivot) to differentiate four profit centers. II. Sustainable growth through alliance strategies by strengthening collaboration with Credit Saison and pursuing new forms of finance. III. Co-creation with AI by promoting AI Transformation (AX) across all employees, aiming to improve operational efficiency by 30% (approximately 500,000 hours). New loan execution amount is forecasted at 260 billion yen in fiscal 2025.","jir_financial_highlights":"Ordinary Income: 52.5 billion yen (Fiscal 2028 Plan)\nROE (Consolidated): 11.0% or higher (Fiscal 2028 Plan)\nCapital Adequacy Ratio: Approximately 10% (net basis) (Fiscal 2028 Plan)\nCore Business Gross Profit: 77 billion yen (Fiscal 2028 Plan)\nCore Expense Ratio (OHR): Approximately 50% (Fiscal 2028 Plan)\nDisclosure Debt Ratio: In the 2% range (Fiscal 2028 Plan)\nOrdinary Income (Fiscal 2025 Forecast): 34.0 billion yen (Fiscal 2025 Forecast)\nNew Business Gross Profit (Fiscal 2025 Forecast): 28.5 billion yen (Fiscal 2025 Forecast)\nTotal New Loan Execution Amount (Fiscal 2025 Forecast): 260 billion yen (Fiscal 2025 Forecast)","jir_category":"","jir_hashtags":"#SurugaBank, #MediumTermManagementPlan, #BankingIndustry","jir_key_figures":"Fiscal 2028 Ordinary Income Target: 52.5 billion yen\nFiscal 2028 Consolidated ROE Target: 11.0% or higher\nFiscal 2025 New Loan Execution Amount Forecast: 260 billion yen","jir_meta_title":"[Suruga Bank] Medium-Term Management Plan for 2026-28 | Ordinary Income Target of 52.5 Billion Yen","jir_meta_description":"Suruga Bank has formulated a medium-term management plan for fiscal 2026 to 2028, setting targets such as ordinary income of 52.5 billion yen, ROE of 11.0% or higher, and 30% operational efficiency improvement through AI utilization to achieve sustainable growth.","jir_og_title":"[Suruga Bank] Medium-Term Management Plan for 2026-28 | Ordinary Income Target of 52.5 Billion Yen","jir_og_description":"Suruga Bank\u2019s medium-term management plan aims for ordinary income of 52.5 billion yen and ROE of 11.0% or higher, accelerating growth through AI promotion and strengthened alliances.","jir_og_image_url":"\/assets\/og\/company-business_update.jpg","jir_chart_data_collection":"[]","ir_related_company":8084,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"business_update","footnotes":""},"sector":[],"importance":[],"class_list":["post-42045","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n