Mission Statement, Vision, & Core Values (2026) of Juroku Financial Group,Inc.

From its roots in 1877 to its current listing as 7380.T, Juroku Financial Group has grown into a comprehensive provider of banking, leasing, investment trusts and insurance that anchors economic activity across Gifu and Aichi, driving regional development while pursuing digital transformation and sustainable initiatives; with a reported 7% growth in diversified services in 2024 and a strategic long-term roadmap under the 16Vision-10 plan, the group's mission to 'achieve growth and prosperity for our customers and the local community' and vision to 'build a future with local communities and achieve sustainable growth' are realized through core values-Integrity, Innovation, Customer Commitment, Community Engagement and Excellence-that inform every product rollout and community investment, inviting readers to explore how living values and measurable progress intersect in a regional bank evolving into a modern financial group

Juroku Financial Group,Inc. (7380.T) - Intro

• Founded: 1877
• Headquarters: Gifu, Japan
• Primary regions served: Gifu Prefecture, Aichi Prefecture
• Core business lines: Commercial banking, leasing, investment trusts, insurance
• 2024 milestone: 7% growth in diversified services

Mission

• Support regional prosperity by providing reliable, accessible financial services to individuals, SMEs, and public entities in Gifu and Aichi.
• Create economic and social value by integrating financial solutions with community needs-credit, risk management, investment, and insurance.
• Promote sustainable finance practices that balance profitability with environmental and social responsibility.

Vision

• Be the leading regional financial partner that drives inclusive local growth and resilience through diversified financial services.
• Transform into a digitally empowered financial group that delivers seamless, data-driven customer experiences while preserving deep local relationships.
• Scale services beyond traditional banking to become a platform for regional economic revitalization and ESG-aligned investment opportunities.

Core Values

• Customer Centricity - prioritize clients' long-term prosperity and tailor solutions to local needs.
• Integrity & Trust - maintain sound governance, transparent conduct, and responsible risk management.
• Community Commitment - invest in regional development, SMEs, and social infrastructure.
• Innovation & Digitalization - accelerate digital transformation to improve efficiency, accessibility, and product breadth.
• Sustainability - integrate ESG considerations into lending, investment, and operational decisions.

Strategic Priorities & Measurable Targets

• Diversification: expand non-interest-income streams (investment trusts, leasing, insurance) - evidenced by a 7% increase in diversified services in 2024.
• Digital transformation: deploy technology to reduce processing times, expand digital channels, and enhance data-driven credit underwriting.
• Sustainability & ESG integration: incorporate environmental and social metrics into product development and corporate lending criteria.
• Regional engagement: deepen SME financing, infrastructure support, and community partnerships to sustain local employment and growth.

Juroku Financial Group,Inc. (7380.T) - Overview

• Emphasis: long-term, sustainable financial solutions targeting household wealth building, SME financing, and regional infrastructure support.
• Dual focus: balancing customer financial outcomes with measurable local economic impact (employment, lending to SMEs, community investment).
• Consistency: the mission has remained stable over successive strategic plans, reinforcing brand trust in Gifu and surrounding prefectures.

• Be the leading regional financial partner that enables inclusive economic growth across its service area.
• Deliver resilient returns to shareholders while maintaining high credit quality and prudent risk management.
• Leverage digital channels and partnerships to expand customer access without losing local relationship-banking strengths.

• Community Commitment - prioritizing local prosperity through branch presence and targeted financing.
• Customer-Centricity - tailoring products (deposits, loans, advisory) to household and SME life-cycles.
• Prudence and Stability - conservative credit assessment, diversified funding, and capital adequacy focus.
• Innovation with Local Sensitivity - adopting fintech where it complements, not replaces, community ties.
• Transparency and Governance - adherence to corporate governance norms and stakeholder disclosure.

• SME lending programs: targeted facilities and advisory services to boost local business investment and employment.
• Community finance: mortgage and consumer lending products designed to support household stability and regional consumption.
• Financial inclusion: branch and digital access strategies aimed at underserved segments within the group's footprint.
• Partnerships with local governments and chambers of commerce to co-finance infrastructure and revitalization projects.

• Capital allocation prioritizes low-procyclicality lending and investments that support regional GDP stability.
• Profitability targets balanced with provisioning policies to sustain credit quality through economic cycles.
• Digital transformation investments intended to improve cost-to-income ratio while preserving branch-based relationship banking.

Juroku Financial Group,Inc. (7380.T) - Mission Statement

• Anchor local economies by financing SMEs, agriculture, and municipalities to sustain employment and regional value chains.
• Provide comprehensive financial products-from deposits and loans to fiduciary services-that meet evolving client needs.
• Maintain financial strength and disciplined risk management to support resilience during economic cycles.
• Advance ESG and sustainability initiatives that align with long-term community well-being and environmental stewardship.

• "Comprehensive" - integrate banking, trust, and non-bank services to serve retail and corporate clients end-to-end.
• "Builds a future with local communities" - deepen regional engagement via financing, advisory, cultural and social programs.
• "Achieves sustainable growth" - balance profit goals with ESG performance and capital soundness.

• Credit focus: Prioritize lending to local SMEs and community projects while maintaining prudent risk metrics (loan-loss provisioning and credit quality monitoring).
• Profit reinvestment: Allocate a portion of earnings to digitalization, regional investment funds, and human capital to support long-term growth.
• ESG integration: Incorporate environmental and social criteria into lending standards and product development, including green loans and sustainability-linked loans.
• Partnerships: Collaborate with local governments, chambers of commerce, and regional businesses to co-develop infrastructure and revitalization projects.

• Regional revitalization financing: Targeted loans for infrastructure, tourism, and agri-business to stimulate local GDP and employment.
• Financial literacy and inclusion: Workshops and advisory services for households and SMEs to improve financial resilience.
• Green transition support: Financing energy-efficiency projects, renewable installations, and sustainable agriculture.
• Subsidiary and alliance strategy: Expand non-interest income via trust, asset management, and fee-based services to diversify earnings.

Juroku Financial Group,Inc. (7380.T) Vision Statement

• Integrity - full transparency, robust compliance frameworks, and ethical conduct across banking, leasing, and asset-management operations.
• Innovation - continuous digitalization of channels and product development to maintain competitiveness in a low-rate environment.
• Customer Commitment - segment-tailored offerings for individuals, SMEs, and corporate clients with a focus on relationship banking.
• Community Engagement - targeted financing and non-financial support to regional SMEs, agriculture, and local public projects.
• Excellence - operational efficiency, cost discipline, and continuous improvement in credit quality and service delivery.

• Digital channel expansion: prioritized investment to raise online transaction share and reduce branch transaction costs while improving customer experience.
• SME support programs: targeted lending, advisory services, and partnership funding to boost regional employment and productivity.
• ESG and community investment: financing for renewable projects, local infrastructure, and CSR grants to municipalities and NPOs.
• Capital and profitability optimization: balancing shareholder returns (dividends, buybacks) with targeted reinvestment in technology and credit buffers.

• Maintain CET1-equivalent capital ratio above 11.5% while pursuing moderate organic growth.
• ROE target range of 6-8% through net interest income expansion and cost-income improvements.
• Reduce cost-to-income ratio by 2-3 percentage points over the medium term via branch rationalization and automation.
• Keep gross NPL ratio under 2.0% through proactive credit monitoring and restructuring support.