Aichi Financial Group, Inc. (7389) Stock Price

Aichi Financial Group provides a wide range of financial services centered on banking operations. Its main business segments include banking, securities, trust agency services, and leasing. Through these services, the group enhances financial convenience and public value in the communities it serves.

In banking operations, Aichi Bank handles deposits, loans, domestic and foreign exchange, investment trusts, over-the-counter sales of life insurance products, and personnel placement services. This strengthens its role as a regional financial institution and delivers advanced financial services to customers.

In securities operations, the group engages in buying and selling securities, investment activities, trust and management of corporate bonds, and financial product brokerage. This positions the group to meet diverse investment needs of its customers.

In trust agency services, the group offers testamentary trusts, calendar-year gift trusts, and national pension fund enrollment promotion. The head office specifically provides designated gift trusts, pension trusts, will-related services, estate settlement services, and securities agency services.

Leasing operations are conducted by Aigin Lease Co., Ltd., which provides comprehensive leasing services. This supports asset management for both corporations and individuals.

Other business operations include Aigin DC Card and Chukyo Card, which handle credit card services, and Chukyo Finance, which provides collection agency services. Aigin Computer Service handles data processing, while Aigin Business Service provides banking administrative services.

Additionally, Aichi Capital manages and operates investment limited partnerships, and companies such as AASC engage in software development. Aichi FG Marketing operates as an advertising agency and supports marketing activities across the group.

Aichi Financial Group is committed to contributing to the prosperity of the local community and aims to become the No. 1 regional financial group in Aichi Prefecture. Following the merger of Aichi Bank and Chukyo Bank in 2022, the group launched as Aichi Bank with a fresh start. This merger completed the integration of systems and operations, representing a critical step toward efficient management.

The company established its "First Medium-Term Management Plan" from October 2022 through March 2025, targeting top-line growth. Specifically, it set goals to increase lending interest income and fee-based revenues, achieving 39.8 billion yen and 16.7 billion yen respectively in fiscal 2024. These results strengthen the company's role as a regional financial institution.

As a medium to long-term strategy, the group has adopted the theme "Speed, Fusion & Chemistry" to realize synergies from the merger at an early stage. The "Second Medium-Term Management Plan" beginning in 2025 aims to maximize synergies and enhance the convenience of financial services for the local community.

A key strategic priority is transitioning to a consulting and solutions-oriented business model. This enables the company to offer new products and services that address the needs of the local community. The group is also investing in employee development to cultivate talent capable of supporting this new business model.

To improve operational efficiency, the company completed the bank merger and system integration in a short timeframe, realizing cost synergies. Through knowledge sharing and expanded collaboration, the group is enhancing skills and pursuing early realization of top-line synergies.

Through Project "6," the company is accelerating synergy benefits and fostering unity among employees while delivering services that meet customer expectations. This project continues as a framework supporting rapid implementation of initiatives.

Aichi Financial Group is pursuing sustainable growth and views contribution to the local community as a critical priority. To address climate change and ensure diversity, the group has established a sustainability policy and endorsed the TCFD recommendations. These efforts strengthen the company's commitment to realizing a sustainable environment and society.