Worth reading
36Immaterial
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
120
¥100 million (fiscal 2028 net income target: at least ¥12 billion)Wording
Conditional
How definitive the wording is.Items stated in the management plan
FormulatedNet income for the current fiscal year+0.1%
基準 2,026Target2,028million
ROE+2.0pt
基準 2,026Target2,028％
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.
Key initiatives
01[Strategic Objective I] Strengthening human capital
02[Strategic Objective II] Transforming the organization
03[Strategic Objective III] Demonstrating the Shigin Style
04[Strategic Objective IV] Enhancing the Bank’s corporate value
Non-financial targetsIndicator name Employee engagement survey / Target value AA or higher / Timing FY2028, Indicator name Personnel allocation aligned with strategy / Target value At least 100 cumulative / Timing FY2028, Indicator name Increase in effective meetings / Target value At least 130% of fiscal 2025 / Timing FY2028, Indicator name Number of registered users of the Shigin app / Target value At least 220,000 / Timing FY2028, Indicator name Improvement in operational productivity through the use of AI / Target value At least 130% / Timing FY2028, Indicator name Number of projects supported that contribute to resolving regional issues / Target value At least 5 cumulative / Timing FY2028, Indicator name Number of new business creation projects supported / Target value At least 120 cumulative / Timing FY2028, Indicator name Number of business succession and M&A projects supported / Target value At least 6,000 cumulative / Timing FY2028, Indicator name Number of completed business matching transactions / Target value At least 2,000 cumulative / Timing FY2028
| Item | Details |
|---|---|
| Plan name | Mid-Term Management Plan 2026 |
| Plan period | April 2026 to March 2029 (3 years) |
| Progress against the plan | Formulated |
| Net income target | ¥8.6 billion (fiscal 2026 plan) → At least ¥12 billion (fiscal 2028 target) |
| ROE target | 5.0% (fiscal 2026 plan) → At least 6% (fiscal 2028 target) |
| Non-financial targets | Indicator name Employee engagement survey / Target value AA or higher / Timing FY2028, Indicator name Personnel allocation aligned with strategy / Target value At least 100 cumulative / Timing FY2028, Indicator name Increase in effective meetings / Target value At least 130% of fiscal 2025 / Timing FY2028, Indicator name Number of registered users of the Shigin app / Target value At least 220,000 / Timing FY2028, Indicator name Improvement in operational productivity through the use of AI / Target value At least 130% / Timing FY2028, Indicator name Number of projects supported that contribute to resolving regional issues / Target value At least 5 cumulative / Timing FY2028, Indicator name Number of new business creation projects supported / Target value At least 120 cumulative / Timing FY2028, Indicator name Number of business succession and M&A projects supported / Target value At least 6,000 cumulative / Timing FY2028, Indicator name Number of completed business matching transactions / Target value At least 2,000 cumulative / Timing FY2028 |
| Key initiatives | [Strategic Objective I] Strengthening human capital, [Strategic Objective II] Transforming the organization, [Strategic Objective III] Demonstrating the Shigin Style, [Strategic Objective IV] Enhancing the Bank’s corporate value |
| Publication date | 13 April 2026 |
Items this document does not state (17)
Sales TargetOperating profit targetOperating profit margin targetROIC targetPayout ratio / DOE policyTreasury share acquisition policyCost of capitalSelf-assessment of PBR and share priceTotal investment planInvestment amount by sectorSegment targetPlan assumptionsResults under the previous planReason for revision or withdrawalSize of the Target MarketRisks identifiedDate 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 period is positioned as an important step toward the final stage of the 10-Year Vision, “The Best & Reliable Company Driving the Region and Industry,” and the Bank will pursue the theme of “Deepening Transformation and Further Growth of the Bank.” The plan also aims to enhance value for the region and customers, as well as the Bank’s corporate value, by leveraging the Bank’s strength in its wide-area branch network based in Kochi and Tokushima.
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.