Worth reading
55In focus
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
2
Years (bringing forward the target date for achieving ROE of 8%)Wording
Conditional
How definitive the wording is.Items stated in the management plan
Partially revisedNet Sales+0.1%
基準 2,026Target2,029Hundreds of millions of yen
Net income for the current fiscal year+0.1%
基準 2,026Target2,029Hundreds of millions of yen
ROE+2.0pt
基準 2,026Target2,028％／pt
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).The increase shown by the dotted line is calculated from the two reported figures because the company did not provide the amount of growth.
What happened to the previous planNot disclosed → Actual for the fiscal year ended March 2026: banking business revenue ¥60.6 billion, new business revenue ¥14.3 billion, ordinary profit ¥19.8 billion, and net income ¥12.6 billion（Banking business revenue 125.4%, new business revenue 67.4%, ordinary profit 110.0%, and net income 114.5% (shown as achievement rates)）
Key initiatives
01Changed the target date for achieving ROE of 8% to the fiscal year ending March 2028
02Reviewed asset allocation to respond to a world with interest rates and optimize the interest income business
03Further increased the proportion of interest rates linked to market interest rates in business loans
04Continuously reflect changes in the interest rate environment in earnings, changing the target date for achieving ROE of 8% from the fiscal year ending March 2030 to the fiscal year ending March 2028
05Review of asset allocation
06Reviewed holdings of equities, foreign bonds and multi-asset investments, and expanded investment in private assets
07Used gains on the sale of equities and other assets to replace yen-denominated bonds
08Reflected revenue from new business areas, including digital and systems businesses and regional revitalization
09Providing the next-generation core banking system “BankWill” to other financial institutions
10Initiatives in the sports and entertainment businesses
11Indicated the likelihood of business success based on accumulated experience and the business models of each business area
12Evaluated the likelihood of success in 3 levels based on the uncertainties and differences in future outlook for each business, and reflected the results in revenue and expenses
Segment targetSegment name Banking Business / Sales target Banking business revenue of ¥72.9 billion (fiscal year ending March 2027), ¥83.4 billion (fiscal year ending March 2028), and ¥87.5 billion (fiscal year ending March 2029) / Profit Target Not disclosed, Segment name New Businesses / Sales target New business revenue of ¥15.3 billion (fiscal year ending March 2027), ¥18.5 billion (fiscal year ending March 2028), and ¥20.9 billion (fiscal year ending March 2029) / Profit Target Not disclosed
Risks identified by the company
Uncertainties in each business
Differences in future outlook
Rapid changes in social conditions and the operating environment
Reason for revision or withdrawal
To respond to rapid changes in social conditions and the operating environment through more flexible and faster strategy execution. Asset allocation was reviewed to respond to a world with interest rates and optimize the interest income business.
| Item | Details |
|---|---|
| Plan name | Medium-Term Management Strategy 2026 |
| Plan period | Fiscal years ending March 2026 to March 2029 (5 years, with a medium- to long-term outlook extending 10 years ahead) |
| Progress against the plan | Partially revised |
| Sales Target | ¥60.6 billion (banking business revenue, actual for the fiscal year ended March 2026) / ¥14.3 billion (new business revenue, actual for the fiscal year ended March 2026) → ¥87.5 billion (banking business revenue, fiscal year ending March 2029) / ¥20.9 billion (new business revenue, fiscal year ending March 2029)（Banking business revenue +44.4% / new business revenue +46.2%） |
| Net income target | ¥12.6 billion (actual for the fiscal year ended March 2026) → ¥21.0 billion (fiscal year ending March 2029)（＋66.7％） |
| ROE target | 5.9% (actual for the fiscal year ended March 2026) → 8.0% or higher (fiscal year ending March 2028)（Approximately +35.6% or more） |
| Segment target | Segment name Banking Business / Sales target Banking business revenue of ¥72.9 billion (fiscal year ending March 2027), ¥83.4 billion (fiscal year ending March 2028), and ¥87.5 billion (fiscal year ending March 2029) / Profit Target Not disclosed, Segment name New Businesses / Sales target New business revenue of ¥15.3 billion (fiscal year ending March 2027), ¥18.5 billion (fiscal year ending March 2028), and ¥20.9 billion (fiscal year ending March 2029) / Profit Target Not disclosed |
| Key initiatives | Changed the target date for achieving ROE of 8% to the fiscal year ending March 2028, Reviewed asset allocation to respond to a world with interest rates and optimize the interest income business, Further increased the proportion of interest rates linked to market interest rates in business loans, Continuously reflect changes in the interest rate environment in earnings, changing the target date for achieving ROE of 8% from the fiscal year ending March 2030 to the fiscal year ending March 2028, Review of asset allocation, Reviewed holdings of equities, foreign bonds and multi-asset investments, and expanded investment in private assets, Used gains on the sale of equities and other assets to replace yen-denominated bonds, Reflected revenue from new business areas, including digital and systems businesses and regional revitalization, Providing the next-generation core banking system “BankWill” to other financial institutions, Initiatives in the sports and entertainment businesses, Indicated the likelihood of business success based on accumulated experience and the business models of each business area, Evaluated the likelihood of success in 3 levels based on the uncertainties and differences in future outlook for each business, and reflected the results in revenue and expenses |
| Results under the previous plan | Not disclosed → Actual for the fiscal year ended March 2026: banking business revenue ¥60.6 billion, new business revenue ¥14.3 billion, ordinary profit ¥19.8 billion, and net income ¥12.6 billion（Banking business revenue 125.4%, new business revenue 67.4%, ordinary profit 110.0%, and net income 114.5% (shown as achievement rates)） |
| Reason for revision or withdrawal | To respond to rapid changes in social conditions and the operating environment through more flexible and faster strategy execution. Asset allocation was reviewed to respond to a world with interest rates and optimize the interest income business. |
| Risks identified | Uncertainties in each business, Differences in future outlook, Rapid changes in social conditions and the operating environment |
| Publication date | 28 April 2026 |
Items this document does not state (13)
Operating profit targetOperating profit margin targetROIC targetPayout ratio / DOE policyTreasury share acquisition policyCost of capitalSelf-assessment of PBR and share priceTotal investment planInvestment amount by sectorNon-financial targetsPlan assumptionsSize 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.To respond to rapid changes in social conditions and the operating environment through more flexible and faster strategy execution. It is also intended to respond to a world with interest rates and optimize the interest income business.
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.