Worth reading
42Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Neutral
Direction inferred from the company’s description.Scale
—
Displayed only when the document provides numerical figures.Wording
Conditional
How definitive the wording is.Items stated in the management plan
Annual updateNet income targetNot disclosed → じもとホールディングス 1 / きらやか銀行 4 / 仙台銀行 11
Statements about the use of capital
Payout ratio / DOE policy安定した剰余金の配当を維持する方針。普通株式は2026年3月期に年間配当金1株5円00銭を予定し、種類株式は所定の配当金を全額配当予定。対象期間：2026年3月期The payout ratio is the proportion of profit paid out as dividends, while DOE is the ratio of dividends to net assets.
Key initiatives
01きらやか銀行の経営再建
02新体制による業績改善に向けた新戦略
03Corporate support structure
04Loan screening structure
05Restructuring of the securities portfolio
06Reorganization of the head office structure
07仙台銀行の新体制スタート
08Deepening support for small and medium-sized enterprises
09業務変革と経営効率化
10Decision to adopt the SBI next-generation banking system
Risks identified by the company
Credit Risk
Market Risk
Liquidity Risk
Operational risk
業務運営上グループが損失を被るその他のリスク
Contraction of the regional economy against a backdrop including population decline
Changes in interest rate trends
Competition among banks
ITを活用したDXによる金融ビジネスの変革
| Item | Details |
|---|---|
| Plan name | Management Strengthening Plan (update to the earthquake disaster special exception plan and partial revision of the COVID-19 special exception plan) |
| Plan period | FY2024–FY2026 |
| Progress against the plan | Annual update |
| Net income target | Not disclosed → じもとホールディングス 1 / きらやか銀行 4 / 仙台銀行 11 |
| Payout ratio / DOE policy | 安定した剰余金の配当を維持する方針。普通株式は2026年3月期に年間配当金1株5円00銭を予定し、種類株式は所定の配当金を全額配当予定。対象期間：2026年3月期 |
| Key initiatives | きらやか銀行の経営再建, 新体制による業績改善に向けた新戦略, Corporate support structure, Loan screening structure, Restructuring of the securities portfolio, Reorganization of the head office structure, 仙台銀行の新体制スタート, Deepening support for small and medium-sized enterprises, 業務変革と経営効率化, Decision to adopt the SBI next-generation banking system |
| Risks identified | Credit Risk, Market Risk, Liquidity Risk, Operational risk, 業務運営上グループが損失を被るその他のリスク, Contraction of the regional economy against a backdrop including population decline, Changes in interest rate trends, Competition among banks, ITを活用したDXによる金融ビジネスの変革 |
| Publication date | 24 March 2026 |
Items this document does not state (17)
Sales TargetOperating profit targetOperating profit margin targetROE targetROIC targetTreasury share acquisition policyCost of capitalSelf-assessment of PBR and share priceTotal investment planInvestment amount by sectorSegment targetNon-financial targetsPlan assumptionsResults under the previous planReason for revision or withdrawalSize 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.金融機能強化法に基づき、2025年9月期の経営強化計画の履行状況を取りまとめたため。
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.