The Yamagata Bank, Ltd. (8344) Stock Price

The Yamagata Bank Group consists of Yamagata Bank and seven consolidated subsidiaries, primarily engaged in banking operations. Specifically, the group provides a wide range of financial services including leasing operations and credit guarantee services. These business segments align with the segment classifications in Yamagata Bank's consolidated financial statements.

Banking operations form the core of the Yamagata Bank Group's business, while leasing operations also play an important role. Through leasing operations, the group provides equipment and machinery leases to corporations and individuals, supporting their financing needs. In credit guarantee operations, the group offers guarantee services to mitigate customers' credit risks.

Notably, Kinomi Kanazai Co., Ltd., a group subsidiary, was dissolved on December 23, 2024, with liquidation completed on March 24, 2025. In this manner, the Yamagata Bank Group provides financial services closely aligned with the local community and responds to diverse customer needs.

Yamagata Bank is guided by the management philosophy of growing together with its communities and pursuing customer satisfaction. The bank aims to become a hybrid financial and industrial participation company that maximizes the potential of the regions it serves, with a long-term vision extending to fiscal year 2030. To realize this vision, the bank's fundamental policy is to strengthen trust relationships with regional stakeholders and secure its reputation as a safe and reliable financial institution.

The bank launched its 21st Long-Term Management Plan "Pro-Act" for the period from April 2024 through March 2027. Positioned as Phase 2 of the long-term vision toward 2030, this plan aims to enhance corporate value by raising organizational expertise and encouraging proactive action among employees and management. The bank is also strengthening sustainability management by setting priority initiatives and key performance indicators (KPIs), with the goal of contributing to the realization of a sustainable regional society.

As a regional financial institution, Yamagata Bank places importance on its role in addressing the diverse challenges of communities and customers by strengthening its consulting capabilities. The bank is also working to enhance financial crime prevention and cybersecurity measures. Through these efforts, the bank aims to support sustainable growth in regional communities and establish itself as a trusted partner for its customers.

The bank's management targets include achieving consolidated net income of 5 billion yen, ROE of 3.5%, and a capital adequacy ratio of 9% or higher by fiscal year 2026. By fiscal year 2030, the bank aims to further improve these figures. Through this approach, the bank seeks to pursue business profitability and efficiency while ensuring management stability.