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

Rooted in Shizuoka Prefecture and trading as 5831.T, Shizuoka Financial Group, Inc. emerged as a holding company in October 2022 and now unites Shizuoka Bank with sixteen affiliated companies to form one of Japan's largest regional financial groups, delivering banking, leasing and financial instruments trading primarily to individuals and small-to-medium enterprises while deepening community ties through initiatives such as the Mt. Fuji・Alps Alliance (March 2025); guided by a mission to "expand dreams and affluence with our community," the Group pairs a customer-centric, innovation-led vision with measurable commitments - including a target to cut its carbon footprint by 30% by 2030 - and has demonstrated financial resilience with a 29.2% increase in profit attributable to owners for the fiscal year ended March 31, 2025, prompting a revised dividend forecast as it scales sustainable, community-focused services beyond traditional banking.

Shizuoka Financial Group,Inc. (5831.T) - Intro

• Established as a holding company in October 2022, Shizuoka Financial Group,Inc. (5831.T) comprises Shizuoka Bank and sixteen affiliated companies, making it one of Japan's largest regional financial groups.
• Headquartered in Shizuoka Prefecture, the Group primarily serves individuals and small- to medium-sized enterprises (SMEs) with banking, leasing, and financial instruments trading, while expanding into new community-focused business lines.
• In March 2025 the Group launched the Mt. Fuji・Alps Alliance to address regional challenges (population decline, aging demographics) and to attract international capital and partnerships to strengthen community engagement.

• Deliver stable, accessible financial services that underpin regional economic vitality and individual prosperity.
• Create sustainable social value by aligning financial support with local revitalization, disaster resilience, and inclusive growth.
• Balance profitability and stewardship: generate consistent shareholder returns while reinvesting in community infrastructure and human capital.

• Be the leading regional financial platform that transforms traditional banking into a catalyst for regional sustainability and global connectivity.
• Expand service scope beyond deposit-and-loan models to include regional investment platforms, cross-border capital attraction, and public-private partnership facilitation through initiatives such as the Mt. Fuji・Alps Alliance.
• Achieve long-term resilience through digital transformation, risk management, and diversified earnings streams.

• Community First - prioritize local needs and longevity of regional economies.
• Integrity & Trust - maintain high governance, transparency, and responsible risk-taking.
• Innovation with Purpose - leverage technology and partnerships to solve demographic and business-model challenges.
• Stewardship - pursue environmental and social sustainability alongside financial returns.

• Regional Revitalization - targeted lending and advisory to SMEs, tourism and agri-business projects around Mt. Fuji and the Alps, and promotion of inward investment via the Mt. Fuji・Alps Alliance.
• Product & Service Diversification - expand leasing, fee businesses, asset management and structured finance to reduce interest-rate dependency.
• Digitalization - enhance retail and SME digital channels, improve operational efficiency, and deploy data-driven credit and advisory services.
• ESG & Sustainability - integrate environmental and social metrics into lending standards and capital allocation to support long-term regional resilience.

• Financial metrics: growth in profit attributable to owners (29.2% YoY improvement in FY2025), ROE, net interest margin, and fee income share.
• Community impact: number of regional projects financed, employment supported, and capital attracted through the Mt. Fuji・Alps Alliance.
• Shareholder returns: revised dividend policy and payout ratio targets tied to sustained profitability and balance-sheet strength.
• Risk and capital resilience: maintenance of consolidated CET1 and liquidity buffers consistent with regulatory expectations.

Shizuoka Financial Group,Inc. (5831.T) Overview

Mission Statement - "expand dreams and affluence with our community." This concise declaration anchors Shizuoka Financial Group,Inc. (5831.T) to a community-first philosophy, driving product design, capital allocation, and long-term strategy toward regional prosperity.

• Emphasis on high-quality financial services that enable individuals, SMEs, and local governments to realize economic and cultural aspirations.
• Proactive management that anticipates demographic, technological, and environmental needs in the Shizuoka region and beyond.
• Alignment of business initiatives with measurable regional development outcomes (employment support, SME finance, local infrastructure participation).

The mission functions as an operational north star: every retail, corporate, and investment decision is evaluated against community impact and sustainability criteria.

Vision

• Be the leading regional financial group that sustainably enhances regional affluence and quality of life.
• Transform legacy banking into a platform of comprehensive local services (fintech partnerships, advisory, regional revitalization projects).
• Maintain financial resilience while increasing contributions to decarbonization and digital transition in the region.

Core Values

• Community First - prioritize regional needs and long-term local prosperity.
• Integrity - sound, transparent governance and risk management.
• Customer Centricity - tailored solutions for households, SMEs, and public-sector partners.
• Innovation - selective adoption of digital finance and partnerships to expand service reach.
• Stewardship - responsible capital allocation, including sustainability-linked financing and ESG integration.

How the Mission, Vision & Values Translate into Measurable Outcomes

Key operational and financial indicators (latest fiscal year reported):

These metrics show the balance Shizuoka Financial Group maintains between commercial performance and community impact - sustaining profitability while deploying capital to regional SMEs, housing finance, infrastructure projects, and environmental initiatives.

Strategic Priorities Aligned to Mission

• Deepen SME financing and advisory to raise productivity and employment in Shizuoka Prefecture and adjacent regions.
• Scale digital channels and fintech partnerships for convenience and financial inclusion.
• Expand sustainability financing (renewable energy, energy-efficiency retrofits) aligned with Japan's decarbonization goals.
• Strengthen capital resilience via diversified revenue streams and disciplined cost management.

For a detailed review of history, ownership, mission evolution and how the group makes money, see: Shizuoka Financial Group,Inc.: History, Ownership, Mission, How It Works & Makes Money

Shizuoka Financial Group,Inc. (5831.T) - Mission Statement

• Deliver dependable banking and financial solutions tailored to retail, corporate, and regional clients.
• Support local economies through targeted financing, advisory services, and community investment.
• Foster innovation in digital channels and operational efficiency to enhance customer experience and accessibility.
• Embed sustainability across lending, investment, and corporate operations to mitigate climate risk and support green growth.

• Customer-centric product development: tailoring financial products to evolving client needs to strengthen long-term relationships and deepen share of wallet.
• Technology and digital transformation: substantial investments in digital banking, fintech partnerships, and process automation to improve UX and reduce operating costs.
• Sustainability commitments: measurable targets for emissions reduction and allocation of credit to green projects.
• Community engagement: proactive funding and partnerships for regional development, social infrastructure, and financial inclusion.
• Global diversification: expanding international operations and strategic alliances to access emerging-market growth and diversify revenue streams.

• Environmental: commit to a 30% reduction in carbon footprint by 2030 and increase green financing share year-on-year.
• Social: direct substantial funding toward local development projects-SME lending, affordable housing, and community infrastructure-to stimulate regional economies.
• Governance: strengthen risk management, transparency, and stakeholder engagement to align incentives and maintain financial resilience.

• Digital banking: expand mobile and online services, enhance API connectivity for corporate clients, and roll out AI-driven advisory tools.
• Operational tech: invest in automation and cloud migration to lower operating costs and improve time-to-market for new products.
• Partnerships: pursue alliances with fintechs, payment networks, and overseas banks to accelerate capability build and global reach.

Shizuoka Financial Group,Inc. (5831.T) Vision Statement

Shizuoka Financial Group,Inc. (5831.T) envisions being the trusted regional financial group that powers sustainable economic and social prosperity in Tōkai and beyond through integrity-driven banking, customer-focused solutions, continuous innovation, and collaborative community engagement.

• Integrity: Upholding transparency, compliance, and strong governance across all operations to maintain stakeholder trust.
• Customer centricity: Designing products and services around customer needs-retail, SME, and corporate-to deepen lifetime relationships.
• Innovation: Investing in digital platforms, fintech partnerships, and new business models to adapt to market shifts and improve service delivery.
• Sustainability: Integrating environmental and social responsibility into lending, investment, and operational practices to support a low-carbon, resilient society.
• Collaboration: Promoting cross-organizational teamwork and external partnerships to leverage diverse perspectives and amplify impact.

These core values guide strategic initiatives, risk management, and daily decision-making, ensuring each business line aligns with the Group's mission and long-term vision.

Operationalizing the vision requires measurable targets, governance structures, and cultural reinforcement. Key programs and metrics include:

• Digital transformation: expanding online account penetration and mobile transaction volume to reduce cost-to-serve and meet customer expectations.
• SME support: tailored advisory services, working capital lending, and regional revitalization financing to sustain local economies.
• ESG integration: increasing green loan stock, reducing operational emissions, and enhancing sustainability reporting.
• Talent & culture: training programs to embed integrity, customer focus, innovation, and collaboration into daily work.

For deeper financial analysis and investor-focused insights, see: Breaking Down Shizuoka Financial Group,Inc. Financial Health: Key Insights for Investors