The Toho Bank, Ltd. (8346) Stock Price

Toho Bank provides diverse financial services centered on banking operations. Its main business segments include banking, securities, leasing, and credit guarantee services. Through community-focused business activities, these segments deliver a wide range of financial services to customers.

In banking operations, Toho Bank conducts deposit, lending, and foreign exchange services through its head office, branches, and business offices. This supports the financial needs of the local community and underpins economic activity. Securities operations are handled by Toho Securities Co., Ltd., which provides services to investors through securities trading.

Leasing operations are conducted by Toho Lease Co., Ltd., which handles equipment leasing and installment sales. This supports asset management for both companies and individuals. Credit guarantee operations are provided by Toho Credit Guarantee Co., Ltd., which offers credit guarantees as financial-related services and supports customers' fundraising efforts.

Related subsidiaries include Toho Consulting Partners, which provides advisory services for business succession and M&A. Additionally, Toho Card and Toho Credit Service provide credit card and guarantee services. These operations address diverse customer needs.

Toho Information Systems Co., Ltd. plans and develops banking information systems and undertakes external system development projects. Toho Smile handles document printing and binding services, supporting the back-office operations of financial services. Through these businesses, the Toho Bank Group contributes to the local community.

Toho Bank has established its long-term management plan "TX PLAN 2030" with the aim of contributing to the local community. This plan covers a six-year period from April 2024 to March 2030, with two core strategies: "co-creating value with the region and customers" and "growth strategy for the Group."

The bank is focused on raising the corporate and asset value of regional companies through expanding sustainable finance and providing comprehensive consulting services, while pursuing sustainable growth in the regional economy. The bank is also actively investing in growth and human capital, and working to expand Group-wide earnings through transforming its sales structure and strengthening alliances.

"TX PLAN 2030" sets targets of 19 billion yen in core operating profit, 10.5 billion yen in net profit, and 5.0% ROE for fiscal year 2026, with even higher targets set for fiscal year 2029. Through these targets, the bank aims to achieve sustainable growth in the local community and enhance corporate value.

The bank is addressing ten key challenges, including regional labor shortages, decarbonization support, and advancement of financial consulting. In particular, it has established "Toho IT Human Solutions" to promote digitalization and human resources-related businesses in the region, contributing to solving local issues.

Toho Bank is strengthening support for startups and core business assistance for small and medium-sized enterprises to revitalize the regional economy. Through these efforts, the bank aims to promote regional innovation and support sustainable growth.