Board of Directors and Executive Officers

Establish a Group management structure that maximizes on-site capabilities by granting expanded executive authority and responsibility to the banks, enabling them to execute operations autonomously.

Effectively utilize capital for investments in areas contributing to the expansion of the Group’s business scope and improved profitability, making them new drivers of growth.

Accelerate Sustainability Management by demonstrating externally and internally that all YMFG activities are linked to ESG, thereby enhancing the interconnectedness of initiatives.

Strengthen deposits, loans, and securities - which constitute the majority of consolidated revenue as core businesses - in terms of both quality (profitability) and quantity (scale). Solidify the revenue base and generate the management resources necessary for the execution of growth strategies.

Provide comprehensive, long-term support for regional customers' various management challenges, combining debt, equity, and solutions, rather than focusing solely on short-term financing.

Support the well-being of employees of client companies - who support regional business growth - and provide wealth management assistance to corporate owners and affluent elderly individuals.

Focus on "urban development" and "infrastructure," viewing the region as an aggregate of local businesses and individual customers (a "spatial" perspective), and developing businesses aimed at solving industrial and regional issues.

Build a human resources portfolio linked to the Growth Strategy / Business Portfolio Strategy through securing and developing talent and reforming human resources systems.

Achieve DX in sales, operations, and channels through system modernization and sales digitization, creating an environment focused on improving profitability.

Reduce existing operational costs while accelerating future-oriented investments for growth.

Establish a compliance framework that includes risks potentially harming the interests and expectations of customers and the local community, and strengthen the establishment and operation of the Risk Appetite Framework (RAF) utilizing stress tests and scenario analysis.

Establish a forward-looking credit risk management framework that anticipates future changes and strengthen the risk management frameworks of all Group companies.