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.

As a core business accounting for the majority of consolidated revenue, strengthen it from both quality (profitability) and quantity (scale) perspectives.

Solidify the earnings base and create the management resources necessary for the executing 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 asset portfolio linked to growth strategies and business portfolio strategies through human asset acquisition, development,and system reform.

Realize sales, operational, and channel DX through system renewal and sales digitization to create an environment for improved 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.

Contribute to enhancing organizational value by evaluating and improving the effectiveness of risk management, internal controls, and governance processes from an independent and objective standpoint.