Worth reading
50Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Improvement
Direction inferred from the company’s description.Scale
250
¥100 million (increase in the consolidated ordinary profit target)Wording
Definitive
How definitive the wording is.Items stated in the management plan
FormulatedROE+1.0pt
基準 2,027Target2,028% (on a net assets basis)
Each line is the climb from the baseline the document states to the target it sets. The slope is scaled against the largest climb in this document. For metrics expressed as percentages, differences are shown in percentage points (pt).
What happened to the previous plan¥145 billion or more (previous plan, fiscal 2027) → The profit target of the First Medium-Term Management Plan was achieved in the fiscal year ended March 2025 (actual amount not disclosed)-0.1%Calculated from the two disclosed figures
Key initiatives
01Co-creation, growth and challenge
02Transformation 2.0
03Corporate communications
04Human Capital Management
05AI-native
Plan assumptionsThe arrival of a world with interest rates, Rapid advancement of AI, A highly uncertain operating environment
Non-financial targetsIndicator Net social change rate of the population in Shizuoka Prefecture / Target value Continuous increase / Timing FY2028, Indicator Real gross prefectural product in Shizuoka Prefecture / Target value Sustainable development / Timing FY2028, Indicator GHG emissions reduction rate in Shizuoka Prefecture / Target value 46% reduction from fiscal 2013 / Timing FY2030, Indicator Customer satisfaction with Group transactions / Target value Increase from the previous fiscal year / Timing FY2028, Indicator Employee engagement across the Group / Target value 4.0 or higher / Timing FY2028, Indicator GHG emissions from しずおかフィナンシャルグループ (Scopes 1 and 2) / Target value Achieve carbon neutrality / Timing FY2030, Indicator GHG emissions of business-loan customers / Target value Reduction from the previous fiscal year each year / Timing FY2028, Indicator Consolidated ordinary income / Target value ¥170 billion or more / Timing FY2028, Indicator Consolidated ROE (on a net assets basis) / Target value Approximately 9.5% / Timing FY2028, Indicator Consolidated OHR / Target value Approximately 47% / Timing FY2028, Indicator Consolidated CET1 ratio / Target value Approximately 13% / Timing FY2028
Risks identified by the company
The arrival of a world with interest rates
Rapid advancement of AI
A highly uncertain operating environment
Reason for revision or withdrawal
The operating environment surrounding the region and しずおかフィナンシャルグループ is changing rapidly, including the arrival of a world with interest rates and the rapid advancement of AI. The Company determined that a fundamental review of its management strategy was necessary to achieve sustainable growth for both the region and the Group and to remain a corporate group that can continue contributing to the prosperity of the region, even in this highly uncertain operating environment. In light of the fact that the profit target of the First Medium-Term Management Plan was achieved in the fiscal year ended March 2025, the plan, originally formulated as a five-year plan, was concluded three years ahead of schedule.
| Item | Details |
|---|---|
| Plan name | Xover2.0: Together, Toward the Future |
| Plan period | FY2026-FY2028 |
| Progress against the plan | Formulated |
| ROE target | Approximately 8.5% (previous plan, fiscal 2027) → Approximately 9.5% (Second Medium-Term Management Plan, fiscal 2028)（Approximately +11.8%） |
| Non-financial targets | Indicator Net social change rate of the population in Shizuoka Prefecture / Target value Continuous increase / Timing FY2028, Indicator Real gross prefectural product in Shizuoka Prefecture / Target value Sustainable development / Timing FY2028, Indicator GHG emissions reduction rate in Shizuoka Prefecture / Target value 46% reduction from fiscal 2013 / Timing FY2030, Indicator Customer satisfaction with Group transactions / Target value Increase from the previous fiscal year / Timing FY2028, Indicator Employee engagement across the Group / Target value 4.0 or higher / Timing FY2028, Indicator GHG emissions from しずおかフィナンシャルグループ (Scopes 1 and 2) / Target value Achieve carbon neutrality / Timing FY2030, Indicator GHG emissions of business-loan customers / Target value Reduction from the previous fiscal year each year / Timing FY2028, Indicator Consolidated ordinary income / Target value ¥170 billion or more / Timing FY2028, Indicator Consolidated ROE (on a net assets basis) / Target value Approximately 9.5% / Timing FY2028, Indicator Consolidated OHR / Target value Approximately 47% / Timing FY2028, Indicator Consolidated CET1 ratio / Target value Approximately 13% / Timing FY2028 |
| Plan assumptions | The arrival of a world with interest rates, Rapid advancement of AI, A highly uncertain operating environment |
| Key initiatives | Co-creation, growth and challenge, Transformation 2.0, Corporate communications, Human Capital Management, AI-native |
| Results under the previous plan | ¥145 billion or more (previous plan, fiscal 2027) → The profit target of the First Medium-Term Management Plan was achieved in the fiscal year ended March 2025 (actual amount not disclosed) |
| Reason for revision or withdrawal | The operating environment surrounding the region and しずおかフィナンシャルグループ is changing rapidly, including the arrival of a world with interest rates and the rapid advancement of AI. The Company determined that a fundamental review of its management strategy was necessary to achieve sustainable growth for both the region and the Group and to remain a corporate group that can continue contributing to the prosperity of the region, even in this highly uncertain operating environment. In light of the fact that the profit target of the First Medium-Term Management Plan was achieved in the fiscal year ended March 2025, the plan, originally formulated as a five-year plan, was concluded three years ahead of schedule. |
| Risks identified | The arrival of a world with interest rates, Rapid advancement of AI, A highly uncertain operating environment |
| Publication date | 20 April 2026 |
Items this document does not state (14)
Sales TargetOperating profit targetOperating profit margin targetNet income targetROIC targetPayout ratio / DOE policyTreasury share acquisition policyCost of capitalSelf-assessment of PBR and share priceTotal investment planInvestment amount by sectorSegment targetSize of the Target MarketDate of board resolution
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.The operating environment is changing rapidly, including the arrival of a world with interest rates and the rapid advancement of AI. The Company determined that a fundamental review of its management strategy was necessary to achieve sustainable growth for both the region and the Group, even in a highly uncertain environment. In addition, the profit target of the First Medium-Term Management Plan was achieved in the fiscal year ended March 2025.
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