Bank of The Ryukyus,Limited (8399) Stock Price

The Ryukyu Bank Group consists of Ryukyu Bank and six consolidated subsidiaries, operating a diverse range of businesses centered primarily on banking. Specifically, the group handles leasing operations, credit card operations, credit guarantee operations, and IT services.

Ryukyu Bank operates 75 branches throughout Okinawa Prefecture, providing deposit services, lending services, domestic remittance services, and foreign exchange services. The bank supplies funds consistently to small and medium-sized enterprises and individuals in the prefecture, serving as a core financial institution that contributes to the development of the regional economy.

Leasing operations are handled by Ryukyu Lease Co., Ltd. Credit card operations are conducted by Ryuggin DC Co., Ltd. and OCS Co., Ltd., which provide a wide range of credit card services.

Credit guarantee operations are managed by Ryuggin Guarantee Co., Ltd., which provides guarantees for home loans and other products. IT operations are handled by Riucom Co., Ltd., which provides information technology-related services.

Additionally, Ryuggin Research Institute Co., Ltd. conducts research and studies on industry, economics, and finance. Through these operations, the group contributes to regional economic development.

Ryukyu Bank is committed to contributing to the development of the local community through its management philosophy and customer-focused business operations. Under its new medium-term management plan "Empower 2025," the bank aims to leverage Okinawa Prefecture's growth potential and contribute to revitalizing the regional economy.

Ryukyu Bank is strengthening its deposit and loan portfolio as well as securities investments, with emphasis on building long-term relationships with customers. Using its new sales support system "CAFU" and digital technology, the bank provides appropriate proposals to customers and aims to secure stable deposits and expand its earnings base.

As a leader in addressing regional challenges, Ryukyu Bank is advancing ESG management and driving Okinawa Prefecture's transition to carbon neutrality. Through promoting energy efficiency and renewable energy adoption, as well as supporting businesses in their decarbonization efforts, the bank contributes to realizing a sustainable regional society.

Strengthening group collaboration and strategic alliances are also key strategies. With the opening of a new head office building in 2026 and the consolidation of group companies, information sharing and personnel exchange will be enhanced. Through partnerships with regional banks outside the prefecture, the bank will incorporate specialized expertise and expand its business foundation.

The bank is also advancing investment in and optimization of human capital. Ryukyu Bank actively invests in developing the expertise of its employees and enhances systems to support autonomous learning. The bank is deepening knowledge in the digital field and promoting challenges in new business areas.

Ryukyu Bank aims to continue supporting the local community in pursuit of regional economic growth and problem-solving. For fiscal year 2027, the final year of the medium-term management plan "Empower 2025," the bank has set targets including net profit attributable to parent company shareholders of 9 billion yen and sustainable finance execution of 300 billion yen.