We would like to express our sincere appreciation for your continued support of Yamaguchi Financial Group (YMFG).
The combined regional GDP of Yamaguchi Prefecture, Hiroshima Prefecture, and Fukuoka Prefecture—YMFG’s primary operating area—amounts to approximately ¥38 trillion, representing an economic scale comparable to that of individual countries such as Hungary or Qatar. At the same time, this region is at the forefront of challenges facing Japan as a whole, including population decline and a declining birthrate coupled with an aging society. Regional companies are also facing a wide range of management issues, such as a lack of successors, labor constraints, the transition to a decarbonized society, and the promotion of digital transformation. Addressing these regional challenges requires initiatives that go beyond the framework of conventional financing-centered financial services. Accordingly, our Group is being called upon to expand the scope of its activities and deliver new forms of value that connect the resolution of regional challenges to the creation of economic value.
Against this backdrop, YMFG launched its Medium-Term Management Plan (FY2025–FY2029) in 2025. Under this plan, we position the resolution of the diverse and complex management issues faced by regional customers as our core value proposition. We aim to evolve into a “platformer for regional issue solutions,” addressing not only the challenges of individual customers but also tackling issues from a broader, region-wide perspective—much like community and town development.
The plan is built on three basic objectives:
the establishment of an “all-in-the-same-boat” business model; the enhancement of our financial business; and the deepening of our multi-bank, single-platform structure.
By linking these three engines, we seek to further enhance the corporate value of the Group.
Under the objective of establishing an “all-in-the-same-boat” business model, we will share business risks with regions and regional customers—quite literally being “in the same boat”—and provide comprehensive support by combining financing, equity investments, and a wide range of solutions. Through this approach, we aim to return problem-solving, value-added outcomes to local communities.
To underpin this model, we will further deepen our multi-bank, single-platform structure. By refining the efficiency of our management framework—under which multiple banks operate on a virtually single platform—and by implementing advanced issue-solving functions, we will work to establish an even more robust management structure.
At the same time, by expanding the scale of our operations and further strengthening our corporate network—one of the Group’s key strengths—we will continue to enhance our financial business and solidify our business foundation. These efforts, in turn, will reinforce the establishment of the “all-in-the-same-boat” business model.
Going forward, the YMFG Group remains fully committed to contributing to the sustainable development of regional communities and to being a financial group that truly serves the needs of the region. All officers and employees will continue to work together with unwavering dedication, and we sincerely ask for your continued support and confidence.
Keisuke Mukunashi
President, Representative Director and CEO
Yamaguchi Financial Group, Inc.
