Worth reading
53Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Mixed performance
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 for the current fiscal year+0.1%
基準 2,025Target2,028Hundreds of millions of yen
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. 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 planRoadmap for the First Medium-Term Management Plan → Progress confirmed to be in line with the plan
Statements about the use of capital
Payout ratio / DOE policyThe basic policy is to continue paying stable dividends. The applicable period is from now onward. No numerical target has been provided.The payout ratio is the proportion of profit paid out as dividends, while DOE is the ratio of dividends to net assets.
Key initiatives
01Support for regional revitalization
02Support for decarbonization and primary industries
03Enhancing Earnings Power
04Strengthening Organisational Capabilities
Plan assumptionsThe population in the operating area is declining, and the number of businesses is also trending downward each year., A challenging business environment continues, including high prices and soaring energy costs., Establish new business models in fields that are less affected by demographic changes.
Non-financial targetsIndicator Holders of decarbonization advisor qualifications / Target value 200 people / Timing By the end of March 2028, Indicator J-Credit certification applications by farmers / Target value 100 applicants / Timing Fiscal year ending March 2026, Indicator Carbon credit sales and brokerage / Target value 600t / Timing Fiscal year ending March 2026, Indicator Number of business lending customers / Target value Increase of 100 customers per year / Timing Annual target, Indicator Store Policy / Target value Aim to implement in 3 areas / Timing During the Second Medium-Term Management Plan period
Risks identified by the company
Downward pressure on corporate earnings from U.S. trade policy and higher tariffs
A slowdown in overseas economies and sluggish growth in the domestic economy
Rising prices and energy costs
Declining population and a decrease in the number of businesses
Labor Shortages
Sharp foreign exchange fluctuations
Persistently high raw material prices
Credit Risk
Market Risk
Liquidity Risk
Cybersecurity Risk
Increasingly sophisticated and complex financial crime
Operational risk
Reason for revision or withdrawal
In light of progress to date and the outlook, 3 items were revised in the roadmap for the long-term management plan: setting the capital adequacy ratio at 8.5% or higher throughout the roadmap period, aiming to implement the store policy in 3 areas, and explicitly stating the establishment of support for decarbonization and primary industries as part of establishing new business models.
| Item | Details |
|---|---|
| Plan name | Second medium-term management plan |
| Plan period | April 2025 to March 2028 |
| Progress against the plan | Annual update |
| Net income target | Actual for the fiscal year ended September 2025: ¥1.16 billion → Target for the fiscal year ending March 2028: ¥2 billion or more |
| Payout ratio / DOE policy | The basic policy is to continue paying stable dividends. The applicable period is from now onward. No numerical target has been provided. |
| Non-financial targets | Indicator Holders of decarbonization advisor qualifications / Target value 200 people / Timing By the end of March 2028, Indicator J-Credit certification applications by farmers / Target value 100 applicants / Timing Fiscal year ending March 2026, Indicator Carbon credit sales and brokerage / Target value 600t / Timing Fiscal year ending March 2026, Indicator Number of business lending customers / Target value Increase of 100 customers per year / Timing Annual target, Indicator Store Policy / Target value Aim to implement in 3 areas / Timing During the Second Medium-Term Management Plan period |
| Plan assumptions | The population in the operating area is declining, and the number of businesses is also trending downward each year., A challenging business environment continues, including high prices and soaring energy costs., Establish new business models in fields that are less affected by demographic changes. |
| Key initiatives | Support for regional revitalization, Support for decarbonization and primary industries, Enhancing Earnings Power, Strengthening Organisational Capabilities |
| Results under the previous plan | Roadmap for the First Medium-Term Management Plan → Progress confirmed to be in line with the plan |
| Reason for revision or withdrawal | In light of progress to date and the outlook, 3 items were revised in the roadmap for the long-term management plan: setting the capital adequacy ratio at 8.5% or higher throughout the roadmap period, aiming to implement the store policy in 3 areas, and explicitly stating the establishment of support for decarbonization and primary industries as part of establishing new business models. |
| Risks identified | Downward pressure on corporate earnings from U.S. trade policy and higher tariffs, A slowdown in overseas economies and sluggish growth in the domestic economy, Rising prices and energy costs, Declining population and a decrease in the number of businesses, Labor Shortages, Sharp foreign exchange fluctuations, Persistently high raw material prices, Credit Risk, Market Risk, Liquidity Risk, Cybersecurity Risk, Increasingly sophisticated and complex financial crime, Operational risk |
| Publication date | 24 March 2026 |
Items this document does not state (13)
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 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 status of implementation of the Management Strengthening Plan for the fiscal year ended September 2025 was compiled pursuant to the Act on Special Measures for Strengthening Financial Functions.
How to read this page
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Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.