The San-in Godo Bank,Ltd. (8381) Stock Price

The Sanin Godo Bank Group provides financial services centered on banking operations, including leasing and credit card services. The group consists of Sanin Godo Bank and 19 affiliated companies.

Banking operations are conducted at the head office and 75 branches of Sanin Godo Bank, offering deposit services, lending services, securities investment services, domestic remittance services, foreign exchange services, and corporate bond trustee and registration services. This is the group's core business segment.

Leasing operations are handled by Gougin Lease Co., Ltd. The company provides leasing services to corporations and individuals, supporting their capital equipment investments.

As an additional business, the Sanin Godo Bank Group also operates credit card services. This allows the group to provide customers with diverse financial services and enhance convenience.

Sanin Godo Bank operates under the management philosophy of being "a creative best bank that realizes the dreams of our region and customers." The bank aims to serve as a leading bank in its region by contributing to solving challenges faced by the community and customers, with a long-term vision of achieving sustainable growth.

For the fiscal years 2024 through 2026, the bank has established a medium-term management plan based on four core strategies: "growth strategy through problem-solving," "digital transformation (DX) strategy," "structural reform and human capital strategy," and "shareholder value enhancement strategy." Through these initiatives, the bank aims to practice sustainability-focused management and create positive social impact.

As part of its growth strategy, the bank is rolling out "consulting for all" in corporate consulting to enhance customer added value. In personal consulting, through a partnership with Nomura Securities, the bank provides high-quality services that consider customers' total assets, supporting them in building a prosperous future.

The DX strategy focuses on strengthening app and corporate portal functionality to improve convenience. In 2024, the bank launched "DanDanBANK," a personal banking app that enables transactions from across the country. Through expanding non-face-to-face channels and leveraging artificial intelligence, the bank is pursuing transformation into a digital bank.

The structural reform and human capital strategy advances talent development and reallocation to strengthen corporate consulting and digital capabilities. Through revising personnel systems and creating a workplace environment focused on employee well-being, the bank aims to maximize employee potential.

The shareholder value enhancement strategy pursues improved ROE and enhanced shareholder returns to maximize corporate value. Through these efforts, the bank aims to contribute to all stakeholders and realize a sustainable regional society.