The Ehime Bank, Ltd. (8541) Stock Price

Ehime Bank provides diverse financial services centered on banking operations. Ehime Bank and its affiliated companies consist of 5 consolidated subsidiaries and 8 non-consolidated subsidiaries accounted for using the equity method. Through this structure, the bank fulfills its role as a regional financial institution and aims to be a trusted presence in the local community.

Ehime Bank's banking operations are conducted through 98 branches including the head office and 12 sub-branches. The bank offers deposit services, lending services, domestic remittance services, and foreign exchange services to meet the region's financial needs. Additionally, Himegin Business Service Co., Ltd. provides services related to banking operations.

Lease operations are handled by Himegin Lease Co., Ltd. This company provides leasing services to corporations and individuals, supporting efficient asset utilization. Through these services, the company addresses customers' financing needs.

Other business operations include computer-related services provided by Himegin Soft Co., Ltd. and credit card services provided by Ehime JCB Co., Ltd. Additionally, Nishi-Seto Marine Partners Co., Ltd. provides guarantee services and advanced support for ship financing.

Among non-consolidated subsidiaries accounted for using the equity method, Ehime Venture Fund 2013 Limited Partnership invests in venture companies. Ehime Gaia Growth Industry Development Support Fund and similar entities conduct investments aimed at supporting and fostering agriculture, forestry, and fisheries.

Furthermore, Setouchi SDGs Investment Limited Partnership supports companies that incorporate SDGs into their management. Collabo Loan Nishi-Seto LLC handles the acquisition, holding, and disposal of monetary claims for ship acquisition purposes. Through these initiatives, the bank contributes to regional economic development.

Ehime Bank is advancing its three-year medium-term management plan "Challenge for Transformation 3rd Stage," which began in April 2024, with the aim of contributing to regional development. The plan pursues sustainable growth alongside the community, with three core policies: strengthening "Finance Plus One" revenue capabilities, establishing a robust management foundation, and practicing sustainability management.

To strengthen "Finance Plus One" revenue capabilities, the bank aims to enhance profitability by leveraging corporate and individual consulting services and the combined strength of its group. To establish a robust management foundation, the bank will improve productivity and strengthen governance through the introduction of a new AP platform.

In practicing sustainability management, the bank seeks to create regional value through human capital management and realize a sustainable regional society. Through these efforts, Ehime Bank aims to fulfill its role as a regional financial institution and become a trusted presence in the community.

By the final year of the medium-term management plan, Ehime Bank targets net income of 6 billion yen or more, ROE of approximately 4%, an overhead ratio in the 60% range, and a consolidated capital adequacy ratio of 8% or more.