The Hyakujushi Bank,Ltd. (8386) Stock Price

Market cap
¥265.9B
P/E ratio
3.8x
Regional bank serving the Seto Inland Sea area with full banking services plus credit cards, leasing, and business solutions through its subsidiaries.

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Business Overview

Bank of Shikoku is a regional financial institution headquartered in Kagawa Prefecture, with its primary business base spanning the broader Seto Inland Sea region. The bank provides a wide range of financial services centered on core banking operations, including deposit services, lending services, domestic remittance services, and foreign exchange services. These services are delivered through the bank's head office, branches, and representative offices.

The Bank of Shikoku Group includes Shikoku 114 Lease Co., Ltd., which operates a leasing business as part of its financial services. The company provides equipment and machinery leasing to corporations and individuals, serving as a funding solution for its clients.

Additional group operations include Shikoku 114 Credit Guarantee Co., Ltd., which provides credit guarantee services. Shikoku 114 DC Card Co., Ltd. and Shikoku 114 JCB Card Co., Ltd. operate credit card businesses. Shikoku 114 Business Service Co., Ltd. handles administrative outsourcing services for Bank of Shikoku.

In non-financial operations, Shikoku 114 System Service Co., Ltd. provides ICT solutions, while Shikoku 114 Personnel Center Co., Ltd. offers human resources placement services. Nihonbashi Real Estate Co., Ltd. manages real estate leasing and property management operations. Through these diverse service offerings, the group delivers broad value to regional communities and customers.

Management Policy

Bank of114 aims for coexistence and mutual prosperity with the local community while pursuing sustainable growth. The company has established "Long-term Vision 2030" and the medium-term management plan "Let's Create Good Times♪" to generate synergies through the fusion of financial and non-financial services. Through these initiatives, the company seeks to realize community well-being and enhance management sustainability.

Leveraging its strengths as a regional financial institution, the company focuses on revitalizing the local economy, international business, and ship-related financing. The company has also established a subsidiary in Vietnam to support corporate customers' overseas expansion, advancing global business operations. These efforts contribute to solving regional and customer challenges.

The medium-term management plan utilizes three growth engines (SX, HRX, and DX) to improve employee well-being and productivity. Through these measures, the company strengthens consulting capabilities and explores new business areas, aiming for sustainable growth alongside the local community. Additionally, the company promotes sustainability management based on the SDGs, balancing environmental and social value creation with economic value.

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