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

Rooted in Otsu since its founding in 1933, The Shiga Bank, Ltd. (8366.T) stands as a regional financial pillar serving individuals and businesses across Shiga Prefecture with retail banking, corporate financing, investment services and asset management while employing approximately 2,271 staff who drive a culture of human relationships and workplace satisfaction; guided by a mission to advance hand-in-hand with society and the 'Sampo yoshi' philosophy of mutual benefit, the bank positions itself as a 'Sustainability Design Company' committed to digital transformation, environmental stewardship-especially protection of Lake Biwa-and co-existence and co-prosperity with local communities and stakeholders.

The Shiga Bank, Ltd. (8366.T) - Intro

• Founded: 1933
• Headquarters: Otsu, Shiga Prefecture, Japan
• Listed: TSE (Ticker: 8366.T)
• Employees: approximately 2,271 (Dec 2025)

• Deliver dependable, relationship-driven financial services tailored to the Shiga region's households, businesses, and public institutions.
• Promote inclusive regional development by financing local SMEs, infrastructure, and community projects.
• Protect depositors' interests while providing competitive returns to shareholders through prudent risk management.

• Become the leading community bank in Shiga Prefecture recognized for digital convenience, environmental stewardship, and local economic impact.
• Achieve steady organic growth by expanding fee-based services (wealth management, corporate advisory) and improving operational efficiency through technology.
• Embed sustainability into core business practices to support carbon reduction and resilient local supply chains.

• Customer First: prioritize long-term relationships and tailored financial solutions.
• Integrity & Prudence: conservative credit underwriting and transparent governance.
• Community Orientation: active participation in local revitalization and social contribution programs.
• People-Centric: invest in employee development, diversity, and a rewarding workplace environment.
• Innovation for Service: adopt digital tools to augment, not replace, human-centered advisory services.

• Enhance customer touchpoints with mobile and online banking while preserving branch advisory for complex needs.
• Automate back-office processes (RPA, straight-through processing) to reduce cost-to-income ratio and redeploy staff into advisory roles.
• Expand data-driven credit scoring and SME advisory to accelerate loan decisions and improve asset quality.

• Green finance: prioritize lending for renewable energy, energy-efficiency retrofits, and sustainable agriculture in Shiga.
• Social initiatives: SME support programs, financial literacy campaigns, and community disaster-resilience financing.
• Governance: strengthen risk controls, maintain conservative capital buffers, and enhance disclosure aligned with TCFD and local regulatory guidance.

• Credit allocation emphasizes local SMEs and municipal projects with high social return, balancing yield with credit quality.
• Fee-income expansion targets wealth management and corporate advisory to diversify revenue beyond net interest margins.
• Capital planning prioritizes CET1 maintenance above regulatory minima to sustain lending capacity through economic cycles.

The Shiga Bank, Ltd. (8366.T) - Overview

• Advance with society: prioritize financing and advisory for local SMEs, agriculture, tourism, and community infrastructure.
• Win customer confidence: maintain high service standards, complaint-resolution targets, and customer-satisfaction metrics.
• Sound and enterprising bank: balance capital adequacy and profitable growth while preserving credit quality.
• Regional development: invest in community projects, human capital, and environmental initiatives, notably Lake Biwa protection.

• Mutual benefit: structured lending programs for local businesses with flexible terms tied to job creation and sustainability outcomes.
• Respect for individuals: policies on human rights, diversity, and workplace satisfaction underpin recruitment, promotion, and grievance procedures.
• Clean Bank Shigagin: governance commitments include anti-corruption measures, transparent disclosures, and periodic third-party audits.

• Credit and advisory targets: prioritized lending to regional SMEs, with target annual growth in SME lending set at 3-5% to support local employment.
• Sustainability financing: incremental targets to grow green/ESG lending to ¥200 billion within a multi-year horizon, supporting Lake Biwa-related projects.
• Human resources: retention and engagement KPIs, including annual employee-satisfaction scores and targets for diversified hiring.
• Governance: maintain CET1 above regulatory buffers and monitor NPL (non-performing loan) ratios to keep credit costs low.

• Customer confidence ↔ deposit growth and cross-sell ratios (deposit stability supports loan origination for community projects).
• Regional development ↔ local GDP contribution metrics, jobs supported via financing, and infrastructure investments.
• Environmental stewardship ↔ number and value of projects protecting Lake Biwa, water-quality indicators tied to funded initiatives.

The Shiga Bank, Ltd. (8366.T) - Mission Statement

• Design the future of customers and communities through sustainable financial solutions.
• Operate as "Clean Bank Shigagin" with emphasis on ethical conduct, transparency, and compliance.
• Advance in step with regional society-supporting local SMEs, households, and public projects.
• Foster co-existence and co-prosperity with employees via inclusive workplace practices and human capital development.
• Protect Lake Biwa and the global environment by integrating environmental criteria into lending and corporate operations.

• Community resilience: prioritize financing and advisory for regional economic revitalization and disaster resilience.
• Environmental leadership: apply environmental screening and support decarbonization projects that protect Lake Biwa's watershed and biodiversity.
• Clean governance: ensure transparent reporting, anti-corruption measures, and customer-centric complaint resolution.
• Employee co-prosperity: invest in skills, well-being, and diverse career pathways to sustain talent and institutional knowledge.

• Product innovation: develop loan products, guarantees, and advisory services that explicitly support decarbonization, circular economy initiatives, and local revitalization projects.
• Partnerships: collaborate with municipalities, regional industry groups, and environmental NGOs to align financing with public goods (e.g., watershed management around Lake Biwa).
• Transparency & reporting: adopt verifiable metrics for environmental and social performance and disclose progress to stakeholders.
• Employee engagement: tie staff development and compensation frameworks to long-term sustainability objectives and customer outcomes.

• Embed sustainability criteria into credit approval and risk management frameworks.
• Set quantifiable medium- and long-term targets (e.g., portfolio share for green financing; benchmarks for environmental risk exposure) and track them in regular reports.
• Align capital allocation and fee structures to incentivize projects that meet both financial viability and sustainability standards.

The Shiga Bank, Ltd. (8366.T) - Vision Statement

• Be tough on ourselves, kind to others and serve society - operational discipline paired with customer-first service.
• Sampo yoshi - transactions must benefit seller, buyer, and the community, reinforcing long-term regional ties.
• Respect for human rights and individuality - building a satisfying, inclusive workplace and branding as a 'Clean Bank Shigagin.'
• Co-existence and co-prosperity with regional communities - prioritizing local business support, employment, and social infrastructure.
• Environmental stewardship - proactive measures to protect Lake Biwa and promote sustainability across lending and operations.

• Community finance: prioritizing working capital and capex loans for local SMEs, agricultural cooperatives, and social enterprises.
• Environmental action: preferential terms for projects reducing runoff into Lake Biwa, supporting watershed management and biodiversity.
• Workplace & governance: programs to ensure diversity, human-rights awareness, and 'Clean Bank Shigagin' practices (ethical conduct, anti-corruption, compliance).
• Stakeholder engagement: regular dialogue with municipalities, chambers of commerce, and NGOs to align banking products with regional needs.