To all our shareholders, thank you for your continued support.

The operating environment surrounding the Group is changing dramatically amid the Bank of Japan’s policy rate hikes, acceleration of digitalization, growing emphasis on sustainability and ESG initiatives, and other developments. At the same time, uncertainty in the global economy and geopolitical risks remain elevated, making the role expected of regional financial institutions more important than ever.

Against this backdrop, and guided by the corporate purpose of “Giving our all, for TOKYO,” we are working on strengthening our function as a main bank by providing high-quality consulting services, and implementing various other initiatives including establishment of new customer touchpoints through the use of digital technologies and enhancement of customer services.

In FY2025, these initiatives enabled us to contribute to the sustainable development of the regional community and economy, while securing a profit level that exceeded the level of the previous fiscal year.
In FY2026, which is the final year of the Medium-Term Business Plan, we will further strengthen collaboration across our Group companies and deliver sophisticated, integrated services.

We remain committed to becoming a financial group that is worthy of trust of customers, regional communities, and shareholders by accurately grasping the changes that are taking place and mobilizing Group-wide efforts. On behalf of the Group, I ask for your continued encouragement and support.

June 2026