The Hyakugo Bank, Ltd. (8368) Stock Price

Hyakugo Bank provides diverse financial services centered on banking operations. Its main business segments are banking and leasing. In banking, the company offers deposits, loans, domestic and foreign exchange services, as well as solutions including investment trust and insurance sales, financial product brokerage, business succession planning, and structured finance.

Hyakugo Bank's affiliated companies operate across a wide range of services. Hyakugo Business Services handles cash verification and organization, Hyakugo Management Services manages document and ledger storage, Hyakugo Real Estate Research conducts collateral property appraisals, Hyakugo Office Services provides centralized custody of bills and bonds, and Hyakugo Staff Services offers employment placement and labor management.

Leasing operations are handled by Hyakugo Lease Co., Ltd. Other business operations include Hyakugo Securities for financial product trading, Hyakugo Card for credit card and credit guarantee services, Hyakugo Research Institute for regional industry research and consulting, Hyakugo Computer Software for information processing, and Hyakugo Mirai Investment for organizing and managing investment limited partnerships.

Hyakugo Bank is pursuing sustainable growth through its medium-term management plan "KAI-KAKU150 2nd STAGE 'Gateway to the Future II'" launched in April 2022. The plan is built on five core pillars: advancing carbon neutrality, strengthening the business model, improving productivity, reinforcing the management foundation, and embedding SDGs/ESG principles. Through this strategy, the bank achieved record consolidated net income of 18 billion yen.

Hyakugo Bank has established a long-term vision to become a "Green & Consulting Bank Group." The bank contributes to sustainable regional development by supporting local carbon neutrality initiatives, providing problem-solving consulting services, and continuing its IT strategy. This approach aims to build a business model resilient to change.

From April 2023, the bank has formulated "KAI-KAKU150 FINAL STAGE 'Challenge for the Future'" with five core strategies: creating social value, pursuing growth, developing human capital, advancing digital transformation, and strengthening strategic foundations. Through these efforts, the bank seeks to grow alongside regional communities and enhance corporate value.

Hyakugo Bank has set financial targets through fiscal year 2028: consolidated net assets ROE of 5% or higher and consolidated net income of 24 billion yen or more. Additionally, the bank aims to reach 1 trillion yen in sustainable finance by fiscal year 2030, with environmental-related lending of 5 billion yen or more. These initiatives contribute to realizing a sustainable society.