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

Founded in 1878, The Hyakugo Bank, Ltd. (8368.T) anchors regional finance from Tsu, Mie with 137 branches and three overseas representative offices, serving Mie, Aichi and Wakayama while pursuing a mission to "dedicate ourselves to helping develop a society that places the highest value on mutual trust" and a vision to "strive to be the bank with the most advanced customer service in Japan"; underpinned by core values of integrity, customer centricity, community commitment, innovation and transparency, the bank reported total assets of ¥6,249.6 billion, deposits of ¥4,882.9 billion and loans and bills discounted of ¥3,441.7 billion as of March 31, 2024, maintains capital adequacy ratios of 9.74% (non‑consolidated) and 10.09% (consolidated), holds an 'A' rating from Rating and Investment Information, Inc., and recorded a 26.3% rise in profit attributable to owners in 2025, signaling how its stated purpose and customer‑first vision align with measurable financial strength

The Hyakugo Bank, Ltd. (8368.T) - Intro

• Founded: 1878
• Branches: 137 domestic
• Overseas representative offices: 3
• Primary regions served: Mie, Aichi, Wakayama
• Credit rating: 'A' (Rating and Investment Information, Inc.)

Mission

• Support regional economic vitality by providing reliable, tailored financial services to individuals, SMEs, and local governments.
• Preserve trust through prudent risk management and sound capital management to ensure long-term stability for customers and community stakeholders.
• Contribute to sustainable regional development by financing projects that enhance local employment, infrastructure, and quality of life.

Vision

• Be the trusted financial partner that drives Mie, Aichi, and Wakayama's growth while selectively extending global touchpoints via overseas offices.
• Leverage digital transformation to deliver seamless, inclusive banking services without losing the bank's community-centric identity.
• Enhance shareholder and stakeholder value through stable capital adequacy (sustaining ≥ ~10% consolidated CET1-equivalent strength) and steady profitability improvement.

Core Values

• Customer-first: prioritize customer needs with personalized solutions and high service standards.
• Integrity & Prudence: maintain conservative credit practices and transparent governance reflected in an 'A' credit rating.
• Community Commitment: reinvest in local economies, support SMEs, and participate in regional revitalization.
• Innovation with Care: adopt fintech and digital channels to improve access while safeguarding data and financial stability.
• Employee Development: cultivate local talent and promote responsible leadership to sustain community relationships.

Strategic Priorities and Financial Anchors

• Balance growth and safety: maintain strong liquidity and capital ratios - non-consolidated CAR 9.74%, consolidated CAR 10.09% - to support credit extension of ¥3,441.7 billion in loans.
• Deposit franchise: leverage stable deposits totaling ¥4,882.9 billion to fund lending and investment activities.
• Profitability focus: sustain momentum after a 26.3% increase in profit attributable to owners in 2025 through cost efficiency, fee income expansion, and credit quality management.

The Hyakugo Bank, Ltd. (8368.T) - Overview

• Mutual trust as strategic capital: customer relationships, corporate partnerships, and municipal cooperation are prioritized to sustain long-term deposit and lending stability.
• Community focus: lending, financial education, and regional revitalization projects target SMEs, agriculture, healthcare, and local governments.
• Ethical conduct: governance, compliance, and CSR activities are aligned to maintain public confidence and regulatory trust.

• Customer trust & service continuity
• Regional economic development and financial inclusion
• Sustainable business practices and transparent governance

• Product design emphasizes trust (transparent fees, accessible advisory, branch/online hybrid services).
• Credit policy balances risk control with support for local enterprises-structured lending, covenant-lite facilities for vital regional projects.
• ESG and community programs: financial literacy, disaster relief financing, green loan offerings tailored to regional needs.

• Boards and committees incorporate community and stakeholder perspectives to preserve mutual trust.
• Disclosure practices and compliance frameworks are designed to sustain public confidence and regulatory relationships.

The Hyakugo Bank, Ltd. (8368.T) - Mission Statement

• Strive to be the bank with the most advanced customer service in Japan by integrating next‑generation digital channels with personalized branch and advisory experiences.
• Provide cutting‑edge services and financial products tailored to individual, SME and regional community needs, emphasizing convenience, speed, and reliability.
• Deliver satisfaction that exceeds customer expectations through service quality metrics, feedback loops, and continuous frontline training.

• Digital Innovation - continuous rollout of mobile banking features, API connectivity for corporate clients, and improved online onboarding to reduce friction and increase adoption.
• Customer Experience - branch redesigns, omnichannel service desks, NPS/CSAT tracking, and targeted product packages for households and SMEs.
• Regional Revitalization - lending and advisory programs supporting local business growth, agricultural financing, and municipal collaboration.
• Risk & Capital Management - preserving sound credit quality while optimizing capital allocation to support both growth and regulatory compliance.

• Increase digital active-user penetration by X% year-over-year through streamlined apps and remote services.
• Improve cost-to-income ratio by focusing on automation and branch optimization.
• Grow SME loan share within total loan book while maintaining non-performing loan ratio below sector benchmarks.

The Hyakugo Bank, Ltd. (8368.T) - Vision Statement

• Integrity - ethical conduct, full compliance, and open disclosure in operations and reporting.
• Customer centricity - tailoring products and service delivery to individual and SME needs across Mie Prefecture and beyond.
• Community commitment - active investment in local development, disaster resilience, and social programs.
• Innovation - adoption of digital channels, fintech partnerships, and process automation to improve efficiency and customer experience.
• Transparency - clear communication of financial performance, governance, and risk posture to stakeholders.

• Integrity - regular external audits, board-level compliance oversight, and public disclosure practices that support stakeholder trust.
• Customer centricity - segmented product suites for retail, SMEs, and corporates; personalized advisory and cross-selling that aim to lift fee income and deepen relationships.
• Community commitment - lending and investment programs targeting regional infrastructure, small business finance, and sustainability projects (green loans and ESG-linked financing).
• Innovation - rollout of digital account opening, mobile banking upgrades, and partnerships with fintechs to reduce transaction costs and improve turnaround times.
• Transparency - timely financial reports, investor briefings, and clear governance disclosures to support market confidence and informed decision-making.