Procrea Holdings, Inc. (7384) Stock Price

Procrea Holdings operates a diverse range of financial services centered on banking. Its main business segments include banking, leasing, credit card operations, consulting, and debt collection services. These operations are managed by the company and its 10 consolidated subsidiaries.

Banking is the core business of Procrea Holdings, with Aomori Michinoku Bank Co., Ltd. serving as the primary operator. The bank provides deposit services, lending services, securities trading, securities investment, domestic and foreign exchange services, and bond trust and registration services. Related companies support banking operations through real estate management and rental services.

Leasing operations are managed by two consolidated subsidiaries of Procrea Holdings. These subsidiaries provide leasing services to corporations and individuals, supporting customers' asset management and financing needs. Leasing serves as an important revenue source alongside banking operations.

Credit card operations are handled by two consolidated subsidiaries of Procrea Holdings. These subsidiaries issue and manage credit cards, providing customers with convenient and secure payment methods. They also provide credit guarantee services for housing loans, supporting customers' home purchases.

As additional business lines, Procrea Holdings operates consulting services and debt collection and management services. These operations are managed by two consolidated subsidiaries and support financial management and debt collection for corporations and individuals. Through these services, the company provides diversified financial solutions.

Procrea Holdings aims to create the future of the regions it serves while driving sustainable growth. Established as the parent company of Aomori Bank and Michinoku Bank, the company is expanding its business domains by leveraging regional strengths. Through this approach, it seeks to create value together with local communities while promoting financial system stability and service improvements.

The company's medium-term management plan, "Challenge and Creation 2nd Stage," covers the period from 2025 to 2028 and targets a positive cycle of regional development. The plan is built on core strategies including regional issue resolution, revenue enhancement, and management foundation strengthening, with 15 priority initiatives. The goal is to achieve sustainable growth alongside the regions served.

Procrea Holdings targets consolidated net income of 8 billion yen or more, consolidated ROE of 4.0% or higher, and consolidated capital adequacy ratio of approximately 8.0% by fiscal year 2027. The company also aims to contribute to regional society by continuously increasing per capita GDP in Aomori Prefecture, improving net migration rates, and reducing GHG emissions.

The company is strengthening financial intermediation functions, expanding business domains, and advancing operational rationalization and efficiency. Particular focus areas include enhancing hands-on consulting services and pursuing industry co-creation that leverages regional potential. Additionally, the company plans to complete the merger of both banks in 2025 and optimize branch networks to promote efficient management.

Procrea Holdings contributes to regional development through organizational integration, human capital strengthening, and sustainability initiatives. In particular, it is advancing efforts to address regional challenges based on its sustainability policy. Through these efforts, the company fulfills its social responsibility as a regional financial institution and works toward regional development.