THE BANK OF KOCHI,LTD (8416) Stock Price

Kochi Bank provides diverse financial services centered on banking operations. Specifically, the bank conducts deposit, lending, and foreign exchange businesses while developing community-focused sales activities. Additionally, its consolidated subsidiary Kogin Business Co., Ltd. provides services ancillary to banking operations, including store security, cash handling, and merchandise sales.

The bank also conducts investment operations through Kogin Regional Collaboration Investment Limited Liability Partnership. Lease operations are handled by consolidated subsidiary Ocean Lease Co., Ltd., which provides leasing services to corporations and individuals.

Credit card operations are managed by consolidated subsidiary Kochi Card Co., Ltd., which issues credit cards and provides credit guarantee services. Regarding regional trading operations, non-consolidated subsidiary Chiiki Shosha Kochi Co., Ltd. handles branding and product development of regional products as well as sales channel development support.

Kochi Bank operates under the management principles of "enthusiasm," "harmony," and "integrity." The bank is implementing its medium-term management plan titled "Shared Vision for the Region and Kochi Bank: Phase I" covering the three-year period from 2024 to 2026. This plan aims to contribute to regional value enhancement by serving as financial infrastructure that supports sustainable growth alongside the community.

The bank positions itself as a next-generation hub where regional "excitement and value" converge, supporting the region's sustainable development. Specifically, the bank is implementing initiatives to balance "people, business, and assets" for regional businesses and improve the well-being of local residents. The bank is also strengthening information utilization and enhancing customer services and consulting offerings.

Kochi Bank has established a Solutions and Innovation Promotion Division to support regional businesses in addressing supply chain challenges. Through its Asset Management Center, the bank supports asset formation for corporations and individuals, offering customized investment proposals. These efforts contribute to regional economic revitalization.

The bank is advancing customer experience redesign and digital transformation (DX) strategy. It is restructuring its branch network and reallocating staff to provide hands-on services closely aligned with community needs. Through digital user interface design and ATM network reconstruction, the bank is improving convenience for local residents.

Kochi Bank is reducing administrative workload and controlling expenses by streamlining routine operations at business branches and promoting digitalization. This enables the bank to enhance consulting services and strengthen cost management. Through human resources system reform, the bank supports the development of personnel with specialized skills and is flattening organizational structure.

The bank is also strengthening financial market operations by reviewing asset-liability management (ALM) including deposits and loans. It is expanding the market division's scope and optimizing its investment portfolio. These measures enable the bank to respond to changing financial market conditions and improve profitability.