Establishing a Sustainable Corporate Structure

「We have identified growth and environmental investment, human-capital investment and shareholder returns as the three pillars for enhancing corporate value. We will continue making active growth and environmental investments to further improve customer convenience, while making additional human-capital investments and developing and nurturing personnel who can contribute to the region’s sustainable growth.」

「Although we expect amortization expenses for a certain period following the completion of the transition to the joint TSUBASA core banking system in fiscal 2023, as well as higher expenses from growth investments from fiscal 2024 onward, our plan assumes that profitability will improve and net income will grow from fiscal 2027 onward as the benefits of investments in a new sales structure and other initiatives emerge.」

「We will build a sustainable and robust management structure by transforming the head-office and branch network and strengthening earnings power. We will also actively address social issues such as the SDGs, ESG and digitalization.」

「To meet the expectations of our customers, people in the region and shareholders, we will further enhance and strengthen our compliance framework, risk management framework and corporate governance system, and commit the full strength of the Group to growing together with the region.」

「Based on this recognition, the Bank established the long-term vision “Enriching our communities, contributing to our customers’ prosperity, and growing through our own development — becoming bigger, stronger and more resilient.” To realize it, under the medium-term management plan “Toho ‘Healthy Bank, Sound Bank’ Plan,” covering the three-year period beginning in fiscal 2018, we will pursue sustainable growth together with the region.」

「“Establishing a sound corporate structure capable of overcoming changes in the management environment” “Developing human resources responsible for the growth of the region and customers” “Creating a vibrant workplace by promoting major work-style reforms”」

「By moving swiftly on priority strategies based on the three basic policies — “Contributing to Fukushima’s transition from recovery to growth,” “Building a bank chosen by customers,” and “Establishing a sustainable corporate structure” — we will work to enhance corporate value.」

「Amid population decline and the aging of society, we strengthened collaboration among regional banks and initiatives for developing human resources with a view to the Bank’s sustainable growth.」