Value Creation Story and Mid-term Plan

Value Creation Story

The 16th Mid-term Plan

Title	Engagement Bank Group －Phase 2－
Plan period	April 1, 2026 - March 31, 2029

Operational Guidelines

Increase our fan base by deepening engagement －Enhancing productivity through Human × AI－

Basic Policy/Value Creation Base

The new Mid-term Plan contains three “Basic Policies” designed to improve customer service and seeks to enhance the five “Value Creation Bases” that support these policies.

Basic Policies

Ⅰ	Creating the optimal customer Deliver personalized proposals utilizing a wide range of data. Provide in-person, remote, and digital channels most-suited to the customer.
Ⅱ	Enhancing the quality of existing business Further increase the quality of solutions designed to address customer issues.
Ⅲ	Providing new value Provide new-found value to customers by entering into new business areas.

Value Creation Bases

Ⅰ	DX (Digital Transformation) Support a stronger DX/AI promotion framework, develop system infrastructure, cultivate AI-native talent, enhance risk management
Ⅱ	GX (Green Transformation) Enhance initiatives designed to lead the region towards decarbonization and environmental circularity
Ⅲ	WX (Work Transformation) Enhance the quality of human capital across the Bank Group, support the resolution of regional “human”-related challenges
Ⅳ	Alliances Contribute to solving a wide range of regional issues through alliances with other banks and industries
Ⅴ	Group Governance Optimize the Group as a whole and aim to generate maximum synergies, strengthening risk management

KPIs(*1)

FY2028 Target（final year）

Consolidated ROE(net asset basis)

Approx.11%

Profit attributable to owners of parent

140.0bil yen

Consolidated Common Equity Tier 1 ratio (*2)

10.5%～11.5%

Consolidated OHR

Approx.40%

*1: Combined figures for the new financial group following the management consolidation *2: Basel III full implementation finalization basis (excluding valuation differences on securities)

Formulation of the 16th Mid-Term Plan (2MB)