Under the strategy of Gunma Bank President Fukai Akihiko (深井 彰彦), the bank pursued management based on AI, and its share price increased approximately 8-fold over 7 years while market capitalization grew to approximately ¥1.27 trillion. The background includes innovations such as expanding non-interest businesses, using floating rates and improving RORA.
Gunma Bank overcame the negative interest rate era by promoting AI-enabled management under President Fukai Akihiko (深井 彰彦), with its share price rising from ¥381 in FY2019 to ¥2,999.5 as of September 2026, approximately 8 times higher. Market capitalization has also expanded from approximately ¥170 billion to approximately ¥1.27 trillion.
Fukai expanded profits from non-interest businesses centered on consulting for corporate customers and improved operational efficiency, shifting the bank toward a business model in which profits increase when interest rates rise. The bank adopted a policy of offering half of its corporate loans at floating rates linked to market interest rates, targeting improved earnings when interest rates rise.
The bank prioritized improving RORA and used credit ratings for lending to small and medium-sized enterprises as a common benchmark. By setting standard profit margins and sharing them between head office and branches, it sought to improve profitability relative to the risk conditions of borrowers.
Non-interest business profit reached a record high for the 7th consecutive fiscal year in FY2025. Core business net profit increased approximately 2.4-fold from ¥30 billion in FY2019 to ¥71.1 billion, reflecting the fundamental reform of the earnings structure in the figures.