The Miyazaki Bank,Ltd. (8393) Stock Price

The Miyazaki Bank Group provides diverse financial services centered on banking operations. Specifically, the group handles leasing, credit guarantee, and credit card businesses. These services are operated by Miyazaki Bank and six consolidated subsidiaries.

Miyazaki Bank conducts deposit, lending, domestic exchange, and foreign exchange operations. These services are provided through the bank's head office and 70 branches, meeting the financial needs of the local community.

Leasing operations are handled by Miyagin Lease Co., Ltd., a consolidated subsidiary. Miyagin Lease provides comprehensive leasing services to corporations and individuals, supporting capital investment and financing needs.

As other business operations, Miyagin Venture Capital Co., Ltd. provides investment services in stocks and corporate bonds as well as management consulting. Additionally, Miyagin Guarantee Co., Ltd. conducts credit guarantee operations for residential mortgages, and Miyagin Card Co., Ltd. operates credit card services.

These businesses, as part of the Miyazaki Bank Group's diverse financial services, contribute to the development of the regional economy. None of the consolidated subsidiaries are listed on securities markets.

Miyazaki Bank has established a long-term vision as an "Infrastructure Creation Company" pursuing sustainable growth alongside the regional community. Under this vision, the company aims to maximize both social and economic value by addressing regional challenges. The medium-term management plan "First Call Bank" seeks to contribute to regional sustainability and become an overwhelmingly trusted banking group.

The company's medium-term management plan covers three years from April 2023 to March 2026, positioning this period as a stage of "transformation and growth." As a basic policy, the company aims to realize a "digital bank with physical branches" by integrating "real, face-to-face" and "digital, non-face-to-face" services. This approach will support sustainable growth in the regional community and establish the company as a trusted banking group.

Miyazaki Bank is advancing three core strategies. First, it will strengthen sales capabilities and earn customer trust through "establishing First Call Bank sales operations." Second, it will reinforce its management foundation by expanding non-face-to-face transactions using digital technology and restructuring its branch network. Third, it will practice "sustainability management" by addressing regional challenges and enhancing social value.

Additionally, the company positions Digital Transformation (DX) as a critical management priority. By supporting customers' IT and digital initiatives, strengthening non-face-to-face channels, and improving operational efficiency, the company aims to transform into a regionally competitive local bank with sustained competitive advantage. Through these efforts, the company will contribute to regional economic development and fulfill its mission as a local bank.