Initiatives for Regional Revitalization and Local Industry Activation

「In November 2025, Saga Prefecture Medical Association, Saga Prefectural Medical Credit Union and the Bank entered into a tripartite “Comprehensive Cooperation Agreement on Maintaining and Revitalizing Regional Healthcare.”」

「In November 2025, Saga Prefecture Medical Association, Saga Prefectural Medical Credit Union and the Bank entered into a tripartite “Comprehensive Cooperation Agreement on Maintaining and Revitalizing Regional Healthcare.”」

「In addition, based on a sales structure organized into 9 “blocks,” the Bank strengthened its ability as a unified Group to provide services in both financial and non-financial fields, including business succession and M&A, IPO support, IT and DX, business revitalization and sales-channel expansion, from the perspective of business assessment. As a result of efforts to expand its consulting services, the Bank newly concluded 224 consulting service contracts in FY2024.」

「In addition, together with Saga Prefecture and the Kyushu Regional Environment Office of the Ministry of the Environment, we established the “SAGA Net Zero Consortium” to support decarbonized management by small and medium-sized enterprises.」

「In December 2022, to construct a biogas power plant expected to reduce greenhouse gas emissions as well as the labor required to process livestock waste and odor-related issues for livestock farmers in Genkai Town, the Bank arranged a syndicated loan totaling ¥1.45 billion, with the participation of the Saga Prefectural Federation of Agricultural Cooperatives and Karatsu Agricultural Cooperative. The regional trading company さぎんコネクト, established in October 2021, launched the purchase-based crowdfunding site “YOKATO! (よかと)” in July 2022 to collect projects involving new products and services from Saga, Fukuoka and Nagasaki, leveraging Saga Prefecture’s location and promoting and supporting the region’s appeal. It had handled 13 projects by the end of March 2023.」

「In October 2021, the Bank established the regional trading company さぎんコネクト株式会社, a bank advanced-services company wholly owned by the Bank, with 100% of its shares, a type of company permitted under amendments to the Banking Act to be established as a wholly owned subsidiary.」

「Regarding initiatives for regional revitalization, we aim to contribute to the creation of a vibrant future for the region, meaning the development of local communities, by actively assisting customers in two areas: enhancing customer value-added and enhancing regional value.」

「In FY2019, the Bank underwrote 103 issues of its CSR private placement bonds, “Chiiki no Me Hagukumu Bonds” (up 68 year on year), totaling ¥7.7 billion (up ¥4.4 billion year on year).」

「At the Regional Banks’ Food Selection held in November, 53 customers, the largest number among the 55 participating banks for the second consecutive year, exhibited their distinctive products. For participating customers, we held seminars on preparations before business meetings and follow-up workshops after the meetings, providing various forms of know-how to help conclude transactions. On the day of the event, the exhibitors, the Bank and local governments worked together to promote local specialties to food buyers nationwide and helped customers expand their sales channels.」

「In FY2016, as the first investment under the “Sagin Sixth-Sector Development Support Fund,” we invested in a sixth-sector business entity engaged in the manufacture and sale of sake made from Saga-grown rice and the development and sale of rice cracker products. At the Regional Banks’ Food Selection held in November, 40 customers, the largest number among the 52 participating banks, exhibited their products. The exhibitors, the Bank and local governments worked together to promote local specialties to food buyers nationwide and helped customers expand their sales channels. In addition, to jointly advance initiatives aimed at implementing the “Comprehensive Strategy for the Creation of Towns, People and Jobs” of local governments across Saga Prefecture, we entered into cooperation agreements with Saga Prefecture and Kashima City in FY2015, followed in FY2016 by agreements with Saga City, Arita Town, Karatsu City, Takeo City, Ogi City, Kanzaki City, Genkai Town, Tosu City, Taku City and Tara Town, steadily advancing regional revitalization initiatives rooted in each community.」

「Regarding initiatives for regional revitalization, from April 2015 we assigned 1 dedicated general manager, 1 dedicated officer and 3 officers with concurrent responsibilities for regional revitalization within the Business Support Department of the Sales Management Headquarters, established a framework for cooperation with local governments and other organizations, and began these initiatives.」