Overcoming Adversity Through Innovation and Shared Prosperity with Local Communities
First written in FY2016. 4 of 11 entries say "Advanced", first in FY2017. Latest entry: FY2026.
No other company in this theme has enough history to compare yet.
- FY2026RaisedAnnual report
「For the financial targets in the final year of the long-term vision, fiscal 2032, the Bank will update the previous targets of “consolidated net income of ¥10 billion” and “consolidated ROE of at least 5%” to “consolidated net income of at least ¥18 billion” and “consolidated ROE of at least 7.5%.” In addition, the Bank aims to achieve “consolidated ROE of at least 9%” in fiscal 2035, 10 years from now」
The Bank completed the 21st Medium-Term Management Plan and transitioned to the 22nd Medium-Term Management Plan (April 2026–March 2029). It raised its long-term financial targets from consolidated net income of ¥10 billion to at least ¥18 billion and from ROE of at least 5% to at least 7.5%, and added a target of ROE of at least 9% for fiscal 2035. - FY2024AdvancedAnnual report
「Consolidated net income ¥4.0 billion ¥4.2 billion ¥7.0 billion ¥10.0 billion Consolidated ROE (on a shareholders’ equity basis) *1 2.2% 2.3% at least 4% at least 5% Consolidated capital adequacy ratio *2 11.1% 11.2% approximately 10% — OHR (non-consolidated) *3 79.2% 73.0% 60% range — Profit from customer services *4 △¥0.9 billion △¥0.08 billion at least ¥1.0 billion —」
For fiscal 2023 results under the 21st Medium-Term Management Plan, the Bank disclosed consolidated net income of ¥4.2 billion, ROE of 2.3%, a capital adequacy ratio of 11.2%, OHR of 73.0%, and customer services profit of △¥0.08 billion, all of which exceeded or improved against the respective plan figures. The fiscal 2025 plan and fiscal 2032 long-term targets remain unchanged. - FY2023ReframedAnnual report
「As a result of these initiatives, the Bank achieved all 4 of the following main numerical targets under the previous medium-term management plan.」
After achieving all main numerical targets under the previous CSV-themed medium-term management plan, the Bank transitioned in April 2023 to the 21st Medium-Term Management Plan—Regional Value Co-Creation Plan. The new plan calls for deepening financial services and entering new business areas, with long-term targets of consolidated net income of ¥10 billion and ROE of 5%. - FY2022AdvancedAnnual report
「Based on the progress of the main numerical targets, the Bank achieved all targets for the fiscal year ended March 2022, including consolidated net income, OHR, capital adequacy ratio, and the number of business succession and M&A support recipients.」
For the medium-term management plan’s fiscal 2021 targets, consolidated net income was ¥4.1 billion, OHR was 75.0%, the consolidated capital adequacy ratio was 11.62%, and the number of business succession and M&A support recipients was 1,856. The Bank disclosed that it achieved all targets. - FY2021AdvancedAnnual report
「Regarding progress during the first 2 years of the current medium-term management plan, the Bank advanced BPR in branch and head-office operations and reviewed its sales structure under the Management Foundation Strengthening Project. It also brought forward the reorganization of its branches to enable useful proposals for customers.」
For the medium-term management plan covering April 2019 through March 2023, the Bank reported progress during the first 2 years, disclosing that it achieved its fiscal 2020 targets for the capital adequacy ratio, OHR, business succession, and number of M&A support recipients, while falling short of its target for consolidated net income. - FY2020ReframedAnnual report
「The theme of the medium-term management plan is “Practicing CSV to create the future of the region together.” CSV stands for “Creating Shared Value” and means “creating shared value.”」
The Bank transitioned from the previous medium-term management plan to the Iwagin Frontier Plan—To the Next—and restructured it around creating shared value through the resolution of regional issues. In fiscal 2019, it achieved its targets for the OHR, consolidated capital adequacy ratio, and number of companies receiving M&A and business succession support, excluding consolidated net income, and also presented targets for fiscal 2022. - FY2018RestatedAnnual report
「Under the Iwagin Frontier Plan 2nd stage—The Innovation—medium-term management plan, which began in April 2016 and covered April 2016 through March 2019, the Bank set the following target management indicators for the final year, fiscal 2018: consolidated net income of ¥6 billion, a capital adequacy ratio of at least 12%, loans outstanding to small and medium-sized enterprises and other borrowers of ¥1 trillion, assets under custody of ¥370 billion, and consolidated ROE of at least 5%.」
The Bank continues to set out the medium-term management plan and its numerical targets for the final year. - FY2017AdvancedAnnual report
「Under the Iwagin Frontier Plan 2nd stage—The Innovation—medium-term management plan, which began in April 2016 and covered April 2016 through March 2019, the Bank set the following target management indicators for the final year, fiscal 2018: consolidated net income of ¥6 billion, a capital adequacy ratio of at least 12%, loans outstanding to small and medium-sized enterprises and other borrowers of ¥1 trillion, assets under custody of ¥370 billion, and consolidated ROE of at least 5%.」
The Bank specified the medium-term management plan targets and stated that it “was able to secure a level of profit exceeding the initial plan” in the first year of the plan. - FY2016First statedAnnual report
「The theme was “Challenge innovation to overcome adversity and survive together with the region.” Under the keyword “innovation,” the Bank established three basic policies: “Strengthening earnings power through organizational culture transformation,” “Strong initiatives for regional revitalization and earthquake recovery,” and “Attentive responses to stakeholders,”」
It is presented as the new medium-term management plan covering April 2016 through March 2019.