Medium-Term Management Plan

The YMFG Medium-Term Management Plan was formulated using a backcasting approach from our Vision of what we aim to become: “a regional value-up corporate group that is chosen by all regions and responds to the trust of all regions”

Positioning the five-year period of the plan as a phase for establishing the “all in the same boat” business model, we seek to evolve into a “platformer for regional issue solutions.” In doing so, we will address not only the challenges faced by individual regional companies but also region-wide issues viewed from a broader, area-based perspective.

Through a review and restructuring of growth domains—based on a policy of selection and concentration—we will enhance management efficiency and profitability, while aiming to achieve ROE levels that exceed our cost of capital.

For the final fiscal year ending March 31, 2030, we aim to achieve net income of ¥60.0 billion, ROE of approximately 8.5% on a shareholders’ equity basis, exceeding our cost of capital, RORA of 1.0% or higher, and an OHR of approximately 50%.

Under the Medium-Term Management Plan, we have defined three basic objectives as key engines for growth. By interlinking these engines, YMFG aims to sustainably enhance its corporate value.Our transition to an “all-in-the-same-boat” business model, centered on business growth support, is expected to accelerate initiatives in the corporate segment—one of YMFG’s core strengths—while generating strong synergies with the enhancement of our financial business. To realize this transformation, we will deepen our multi-bank, single-platform structure, enabling the focused allocation of management resources to our issue-solving business model. At the same time, we will align Group-wide strategies, including human capital development, to ensure that these initiatives function in an integrated and mutually reinforcing manner.

Centered on business growth support for regional companies, we will accelerate the implementation of three growth strategies:business growth support, asset support that enhances the well-being of employees and other stakeholders of those companies, and regional co-creation, which addresses challenges that cannot be resolved through support for individual companies alone by taking an area-wide approach.Through these initiatives, we aim to establish a business model in which we are truly in the same boat as our regions and customers, growing together by sharing risks and value creation outcomes.

During the period of the Medium-Term Management Plan, YMFG’s shareholder return policy is based on progressive dividends, with a fundamental approach of maintaining or increasing the dividend per share. We aim to raise the dividend payout ratio to approximately 50% by fiscal year 2029.In addition, taking into account business conditions and capital adequacy, we are committed to flexible and timely share repurchases. Through these measures, we will continue to enhance shareholder returns while maintaining a sound capital foundation.