Group Vision
Our core business is an integrated service group that provides financial services which grows with our community.
We strive for excellent customer experience by supporting our customers' financial and non-financial business needs.
Name and Strategies of the 2nd Medium-Term Business Plan
Under the 2nd Medium-Term Business Plan, we will roll out various measures to “co-create growth” based on three strategies.
We will implement medium- and long-term initiatives to “increase the value of local communities” in tandem with measures to “build a base for growth” to achieve moonshot targets*.To realize these, we will implement our central strategy of “human capital management.”
*Moonshot targets are defined as grand goals that are very difficult to achieve but will have a significant impact when achieved.
2nd Medium-Term Business Plan (April 2024 – March 2027)
"Co-creating Growth – Growing Okinawa together –"
Strategy I
Increase the value of local communities
- Contribute to the revitalization of Okinawa Prefecture’s leading industries, etc.
- Strengthen and support the capital bases of local enterprises
- Solve issues in regional and local communities
- Boost prefectural income and support asset formation
- Address climate change and global warming
Strategy II
Human capital management
- Develop human resources to contribute to increasing the value of local communities (Strategy I)
- Develop human resources to contribute to building a base for growth (Strategy III)
- Promote diversity (active participation of women and seniors)
- Create and enhance employees’ work motivation
Strategy III
Build a base for growth
- Structural reforms to achieve dynamic growth
- Leverage Group synergies to achieve top-line growth
- Provide services through a market-in approach
- Increase corporate value
Target Business Indicators
|
FY2021 |
FY2022 |
FY2023 |
FY2024 |
FY2025 |
FY2026 |
|
|
Consolidated ordinary income |
¥50.4 billion |
¥52.6 billion |
¥53.5 billion |
¥58.7 billion |
¥68.0 billion |
¥71.0 billion |
|
Consolidated net income |
¥5.0 billion |
¥5.8 billion |
¥6.2 billion |
¥7.9 billion |
¥9.0 billion |
¥11.0 billion |
|
Consolidated ROE |
3.25% |
3.70% |
3.92% |
4.86% |
(Undisclosed) |
Around 6.20% |
|
Consolidated capital ratio |
11.09% |
10.77% |
10.49% |
11.35% |
(Undisclosed) |
Around 11.00% |
*On May 9, 2025, the target for the FY2026 (moonshot) has been revised upward, taking into consideration factors such as an increase in the loans and bills discounted average balance and fees and commissions at The Bank of Okinawa, as well as two short-term prime rate hikes in response to the Bank of Japan’s interest rate hike.
After the revision, consolidated ordinary income will be ¥71.0 billion, consolidated net income will be ¥11.0 billion, and consolidated ROE will be approximately 6.20%.
For details of the revised 2nd Medium-Term Business Plan, please see here (Results Briefing Materials May 2025).
Dividend Policy
The Company’s basic policy regarding shareholder returns is to secure stable earnings and appropriate equity capital necessary to drive the growth of local communities in line with the business philosophy of “growing together with the community,” while also delivering shareholder returns that increase the attractiveness of investing in the Company’s shares.
During the period of the 2nd Medium-Term Business Plan (from the fiscal year ended March 31, 2025 to the fiscal year ending March 31, 2027), the Company will pay out stable progressive dividends with a minimum annual dividend of ¥90.00 per share.
In FY2024, the Company paid an interim dividend of ¥45 and a year-end dividend of ¥60, for a total dividend of ¥105. For FY2025, the Company forecasts interim and year-end dividends of ¥60 each, for a total dividend of ¥120. The Company will continue to flexibly deliver shareholder returns commensurate with earnings levels.