The Keiyo Bank, Ltd. (8544) Stock Price

The Keiyo Bank Group consists of Keiyo Bank and three consolidated subsidiaries, providing financial services centered primarily on banking operations. The reporting segment is limited to "Banking," with business divisions split between "Banking" and "Other."

Keiyo Bank operates as a regional financial institution with Chiba Prefecture as its primary business base. Its core operations include deposit and lending services, along with domestic and foreign exchange services, Bank of Japan agency services, and securities investment operations. The bank also offers window sales of government bonds, investment trusts, and insurance products, as well as trust agency services, providing customers in the region with a comprehensive range of financial products and services.

Other business operations are conducted through consolidated subsidiaries: Keiyo Bank Capital & Consulting Inc. handles fund management, M&A, and consulting services; Keiyo Bank Card Inc. manages credit card operations; and Keiyo Bank Guarantee Service Inc. handles credit guarantee and collateral evaluation services. These subsidiaries complement Keiyo Bank's financial service offerings.

Chiba Bank is implementing a three-year medium-term management plan titled "+α Vision 90 Phase 1 ~ Challenge and Transformation ~" covering fiscal years 2024 through 2026. The plan aims to become a Social Solutions Group ranked No. 1 in customer satisfaction. Chiba Bank is strengthening its efforts to address regional social challenges while pursuing sustainable growth.

To fulfill its role as a regional financial institution, Chiba Bank is modernizing its management resources. A new core banking system will launch in January 2025, which will be leveraged to expand branch operations tailored to regional characteristics and introduce new applications. These initiatives will expand customer touchpoints and improve operational efficiency.

Additionally, Chiba Bank is expanding its sales workforce by 250 employees and restructuring its talent portfolio. This aims to enhance productivity and expand profits. The bank is also undertaking business process redesign using AI to shift resources from administrative to sales functions. Through these initiatives, Chiba Bank seeks to balance social and economic value creation while enhancing corporate value.