THE BANK OF SAGA LTD. (8395) Stock Price

Saga Bank is a financial services company group centered on banking operations. The bank primarily provides deposit services, lending services, domestic remittance services, foreign exchange services, securities trading services, and securities investment services. These services are offered through Saga Bank's head office, 74 branches, and 28 sub-branches.

Sagin Lease Co., Ltd. is a consolidated subsidiary of Saga Bank that handles leasing operations. The company provides leasing services to corporations and individuals, supporting their capital equipment investments.

Sagin Credit Guarantee Co., Ltd. is also a consolidated subsidiary of Saga Bank and provides credit guarantee services. The company offers guarantee services to mitigate credit risk when customers obtain loans, thereby supporting their fundraising efforts.

Other consolidated subsidiaries operate information processing services, administrative outsourcing services, venture capital services, and regional trading company services. Through these operations, the Saga Bank Group provides diverse financial services and contributes to the development of the regional economy.

Saga Bank operates under the philosophy of "community-focused banking and sound management," contributing to the development of regional society centered in Saga and Fukuoka. Our mission is to support regional revitalization and provide high-quality services that meet the expectations of our customers and communities.

Under the 17th Medium-Term Management Plan, we promoted customer-centric growth strategies aimed at enhancing regional value. In fiscal year 2024, we achieved five consecutive years of increased profits and are working toward establishing a sustainable business model.

The 18th Medium-Term Management Plan, beginning in 2025, strengthens community contributions with finance at its core, targeting development as a comprehensive service group. All officers and employees are working together to realize a business model that grows alongside the region's sustainable development.

In fiscal year 2024, we implemented store restructuring, promoted cashless payment adoption, and provided IPO support services. Notably, through cashless service offerings and the establishment of a new IPO support group, we are supporting the growth of regional enterprises.

We are advancing digitalization and building platforms to address diverse customer needs. This enables digital transformation of the regional economy, improves productivity, and provides solutions tailored to customer challenges.

As part of our sustainability initiatives, we offer SDGs support services and decarbonization management assistance. We support sustainable management practices for regional enterprises and aim to achieve carbon neutrality.

Saga Bank strives to remain an indispensable presence for the region amid changing economic conditions. Through enhanced digital channels and strengthened consulting capabilities, we are building robust relationships with our communities.