Message From The President

We would like to express our sincere gratitude for your continued support and patronage.

The business environment surrounding local financial institutions continues to be severe due to changes in social and economic environments, such as the declining birthrate and aging population, industrial and work structure changes and heightened geopolitical risks, as well as intensifying competition, including from other business sectors. On the other hand, major trends such as the transition to a decarbonized and recycling-oriented society and changes in lifestyles and social behaviors are expected to expand the comprehensive financial and non-financial services sectors.

Additionally, with the monetary policy framework being reexamined and the lifting of the long-term negative interest rate, the tides appear to be changing in traditional financial service areas such as deposits, loans, and securities investment.

Amid such an environment, the Bank, together with Mebuki Financial Group, Ashikaga Bank, and other companies in the group, is working to achieve the goals of our Third Medium-Term Business Plan to realize the vision we are aiming for in 2030: to be “A Value Creation Group Working Together with Local Communities”.

We will strengthen our management structure by continuing our efforts to innovate traditional banking areas and deepen comprehensive financial service areas, while accelerating our efforts in new business areas and toward sustainability initiatives, enhancing the Bank’s corporate value in terms of both social and economic value.

All of us at the Bank will continue to do our utmost in order to meet the expectations of our customers and the local communities. We ask for your continued support and patronage.