The Bank of Toyama,Ltd. (8365) Stock Price

Toyama Bank provides financial services centered on banking operations, including leasing and credit guarantee services. Toyama Bank and its affiliated companies operate across three main business segments.

First, in banking operations, Toyama Bank conducts deposit, lending, domestic remittance, and foreign exchange services through its head office and 38 branches. The bank also offers window sales of securities investment trusts and insurance products. With Toyama and Ishikawa prefectures as its primary business base, the bank actively develops these services in these regions.

Second, leasing operations are handled by Toyama Lease Co., Ltd., a consolidated subsidiary of Toyama Bank. This company provides leasing services to a broad customer base, not limited to Toyama Bank's existing customers.

Finally, as other operations, Toyama Guarantee Service Co., Ltd. provides credit guarantee services. This company supports customer financing by offering credit guarantees for housing loans and other products handled by Toyama Bank.

Toyama Bank launched its seventh medium-term management plan titled "Change & Challenge" beginning in April 2024. This plan aims to establish the bank as a trusted presence in the regional community through five key strategic priorities. The plan seeks to create shared value with stakeholders and contribute to regional economic development.

Toyama Bank's medium-term plan places particular emphasis on "strengthening top-line performance and problem-solving capabilities." Specifically, the bank will address customer challenges through lending and solutions, while advancing retail sales initiatives and enhancing market management capabilities. This approach aims to deepen customer relationships and strengthen the revenue base.

Pursuit of operational efficiency is also a core strategy. Toyama Bank will improve productivity through a review of branch strategy and business process improvements. Additionally, the bank aims to enhance competitiveness by leveraging advanced technology and ICT to achieve efficient operations.

Investment in human capital is integral to Toyama Bank's growth strategy. The bank will elevate organizational capabilities through building a sustainable talent portfolio and developing diverse specialized personnel. The bank also promotes Diversity, Equity & Inclusion (DE&I) to create a rewarding workplace environment.

Furthermore, Toyama Bank aims to establish a robust management foundation. The bank will build an efficient and effective management structure through strengthened governance, risk management, and compliance. This will enable customer-centric operations and establish the bank's position as a trusted financial institution.

Finally, the bank seeks to enhance investor relations and branding to increase shareholder value and advance regional contribution. Toyama Bank aims to remain a valued presence in the regional community and continue contributing to regional development. Through these efforts, the bank will realize its vision as a bank trusted by all stakeholders.