Shizuoka Financial Group (5831) Investor presentation summary

Vision and strategic direction

• Two visions established: a 10-year vision and a medium-term plan for FY2026–FY2028, focusing on maximizing both corporate and social value through targeted KPIs.

• Emphasis on co-creation, growth, and challenge as core strategies, with a focus on building partnerships with the region and stakeholders.

• Transformation 2.0 aims to accelerate reforms via IT investment, digital transformation, and AI integration.

• Human capital management and flexible work styles are prioritized to align with evolving values and work perspectives.

• Corporate communication and stakeholder engagement are central to long-term relationship building.

Financial and sustainability targets

• Financial targets for FY2028: consolidated ordinary profit of JPY 170.0 bn+, ROE of ~9.5%, and OHR of ~47%.

• CET1 ratio target remains at approximately 13%.

• Customer satisfaction and employee engagement KPIs set for positive year-on-year growth and scores of 4.0 or higher.

• Carbon neutrality for GHG emissions (Scopes 1 and 2) targeted by FY2030, with annual reductions.

• Social impact KPIs include GHG emissions by commercial borrowers, population change, and GDP growth in Shizuoka Prefecture.