Mission Statement, Vision, & Core Values (2026) of The Gunma Bank, Ltd.

Rooted in a history that began in 1932, The Gunma Bank, Ltd. blends tradition and purpose to champion regional prosperity through a clear mission to foster community development, a vision of weaving futures by leveraging its strength in connections, and core values centered on customer centricity, integrity, innovation, face-to-face communication and sustainable growth; with a network of 160 outlets (including 111 in Gunma Prefecture and 49 beyond), total assets of ¥10,504.6 billion, net assets of ¥496.1 billion and a consolidated capital adequacy ratio of 13.12% as of March 31, 2025, the bank - guided by its 2021 Purpose and the motto "Be a good citizen first to become a good entrepreneur" - positions itself to address demographic and environmental challenges while stitching together resources, people and generations to create enduring local value.

The Gunma Bank, Ltd. (8334.T) - Intro

• Founded: 1932 (Maebashi, Gunma Prefecture)
• Headquarters: Maebashi, Gunma Prefecture, Japan
• Branch network: 160 outlets (111 in Gunma, 49 outside Gunma)
• Purpose established: 2021
• Motto: 'Be a good citizen first to become a good entrepreneur'

• Support regional economic vitality by providing tailored financial solutions to households and SMEs.
• Preserve financial stability and soundness while promoting sustainable local growth.
• Embed ethical conduct and civic responsibility across all business activities.

• Be the primary partner for Gunma's economic development-trusted by citizens, businesses, and public institutions.
• Combine digitalization and human-centered banking to enhance accessibility and customer experience.
• Create long-term value for stakeholders through resilient balance-sheet management and community investment.

• Civic Responsibility - acting as a 'good citizen' in communities served.
• Customer First - prioritizing clients' sustainable prosperity.
• Prudence & Stability - maintaining capital strength (13.12% CAR) and conservative asset management.
• Local Commitment - deep engagement with Gunma's social and economic fabric (111 local outlets).
• Innovation with Care - pursuing digital services while preserving personalized local relationships.

• Leverage a 160-branch footprint to deepen SME lending and deposit relationships in Gunma and neighboring regions.
• Maintain capital adequacy above regulatory thresholds-monitored through a consolidated CAR of 13.12%-to support lending and contingency buffers.
• Align product development and CSR initiatives with the 2021 Purpose to enhance reputation and community trust.

The Gunma Bank, Ltd. (8334.T) - Overview

• Mission focus: promotion of regional economic development and social infrastructure support.
• Customer relationships: strengthening trust through face‑to‑face engagement and customized financial solutions.
• Corporate culture: prioritizing ethical behavior, community citizenship, and internal collaboration.
• Strategic emphasis: deploying financial products, advisory services, and community programs to sustain local SMEs, households, and public projects.

• SME financing: prioritizes working-capital and growth loans to local businesses to stimulate employment and supply chains.
• Community investment: financing for infrastructure, housing, and municipal projects aligned with regional needs.
• Advisory services: tailored financial and business consulting delivered through in‑person relationship managers.
• Ethics & governance: compliance frameworks and culture programs to reinforce the 'good citizen' motto.

The Gunma Bank, Ltd. (8334.T) Mission Statement

• Purpose-driven management: align banking services with social needs to support long-term regional sustainability.
• Connection as core capability: link households, SMEs, municipalities, and NPOs to stimulate inclusive growth.
• Tradition and innovation: honor local heritage (e.g., Tomioka Silk Mill) while financing forward-looking industries and green initiatives.

• Regional footprint: Gunma Prefecture population ≈ 1.93 million residents, providing the primary customer base and community scale for locally oriented finance.
• Cultural anchor: Tomioka Silk Mill-inscribed on the UNESCO World Heritage List in 2014-serves as a symbol for preserving tradition while pursuing modernization.
• Public identity: listed on the Tokyo Stock Exchange under ticker 8334.T, signaling public accountability and investor oversight in pursuit of sustainable returns.

• Community finance: tailored deposit and lending products for households and SMEs to sustain local employment and services.
• Intergenerational initiatives: products and advisory services that support elderly households, succession planning for family businesses, and youth entrepreneurship.
• Green and resilience finance: support for energy-efficiency upgrades, renewable projects, and climate-adaptive infrastructure in the prefecture.
• Partnerships: collaborations with local governments, industry groups, and NGOs to scale impact beyond balance-sheet lending.

• Economic resilience: by increasing credit access for local SMEs and infrastructure, the bank helps stabilize regional employment and tax bases.
• Social impact: intergenerational programs reduce social-care burdens and help maintain population-linked services in smaller municipalities.
• Environmental outcomes: targeted financing for energy and climate adaptation reduces local emissions and enhances asset resilience.

The Gunma Bank, Ltd. (8334.T) - Vision Statement

• Regional Community Development: Prioritize capital allocation, credit access, and advisory services that stimulate local SMEs, agriculture, and regional infrastructure projects.
• Customer Centricity: Deliver tailored banking solutions and deepen lifetime relationships with households, entrepreneurs, and institutional clients through consultative face-to-face engagement.
• Integrity and Good Citizenship: Maintain high compliance and governance standards; embed ethics into credit decisions, corporate lending, and community programs.
• Innovation and Adaptability: Expand digital channels, fintech partnerships, and product innovation to respond to demographic change and evolving corporate needs.
• Face-to-Face Communication: Preserve in-branch advisory capacity and internal direct communication culture to ensure coordinated, relationship-driven service.
• Sustainable Growth: Pursue profitability aligned with environmental, social, and governance (ESG) objectives to secure long-term value for stakeholders.

Strategic Priorities that Translate Vision into Action

• Strengthen SME financing and advisory units to increase regional investment and job creation.
• Enhance digital onboarding and hybrid advisory models while retaining in-person consultation for complex financing and wealth management.
• Integrate ESG criteria into lending frameworks and balance-sheet management to promote decarbonization and social projects in Gunma.
• Develop community partnership programs (education, disaster preparedness, local tourism) to amplify social returns.

Key Operational and Financial Metrics (Selected, FY2023)

How Core Values Drive Financial and Social Outcomes

• Regional Community Development: Targeted lending corridors for SMEs and agricultural cooperatives contribute to credit growth and lower local unemployment volatility.
• Customer Centricity: Relationship-driven revenue (fees, commissions, cross-sell) supports stable net interest margin despite rural market pressures.
• Integrity and Good Citizenship: Conservative credit underwriting and compliance lower non-performing loan spikes during economic stress.
• Innovation and Adaptability: Digital adoption reduces unit service costs and expands reach to younger demographics while preserving high-touch services for complex needs.
• Sustainable Growth: Balancing capital allocation to revenue-generating activities and community programs preserves long-term capital adequacy and reputation.