The Kiyo Bank, Ltd. (8370) Stock Price

Kiyogin Bank provides diverse financial services centered on banking operations. Its main business segments are banking and other financial services. In banking, the company handles deposit services, lending services, domestic remittance services, and foreign exchange services.

In other financial services, Kiyogin Business Service Co., Ltd. provides administrative outsourcing services, and Kiyogin Partners Co., Ltd. offers employment placement services. Hanwa Credit Guarantee Co., Ltd. handles credit guarantee services, while Kiyogin Lease Co., Ltd. provides leasing services.

Additionally, Kiyogin Capital Management Co., Ltd. engages in investment services, and Kiyogin Card Co., Ltd. and Kiyogin Card DC Co., Ltd. operate credit card services. Kiyogin Information Systems Co., Ltd. provides software development and sales as well as data processing services.

The Kiyogin Bank Group aims to meet the needs of local communities and businesses through these diverse services. Each subsidiary provides specialized services in its respective field, while the group as a whole pursues synergies across its operations.

Kiyo Bank's management philosophy is to contribute to the prosperity of the communities it serves and to grow alongside those communities. Based on sound management practices, the bank aims for steady development. As a long-term vision, the bank seeks to become a regional financial group where people create the future, while continuing to pursue value co-creation with customers and embracing corporate transformation.

The bank is advancing the "7th Medium-Term Management Plan KX～Kiyo transformation～" for the three-year period from 2024 to 2027. This plan is based on the fundamental policy of fulfilling the bank's role as a leading regional financial group and creating shared value with local communities. The bank is transforming its business model with small and medium-sized enterprise transactions as the starting point.

Key strategies include optimizing the sales structure, making strategic investments in growth areas, promoting regional digital transformation, and creating regional futures. The bank is particularly focused on small and medium-sized enterprise transactions, improving sales efficiency, and strengthening fee-based revenues. In its digital banking strategy, the bank contributes to advancing digital transformation in the region.

Kiyo Bank is advancing sophisticated sustainability management and aims to contribute to regional economic development. Through these efforts, the bank seeks to support the growth of local businesses and achieve sustainable development together with the region.