Message from the President
I would like to express our sincere gratitude to all of you for your generous support.
Concordia Financial Group has designated our vision as “a solution company rooted in communities and selected as a partner to walk together” as we are determined to be chosen as the most familiar presence by sincerely addressing the issues facing local communities and customers, expanding the range of solutions, and improving quality.
To realize “our vision” in a world where environmental changes are accelerating, and uncertainty is increasing, we must build a foundation that supports sustainable growth by expanding growth-oriented investments with a view to the future and further strengthening our management structure.
For this reason, the basic themes of our new medium-term management plan, launched in April 2025, are “Growth,” “Empowerment,” and “Sustainability,” and we have positioned this period as three years to leap into the future.
In the “Growth” initiative, we aim to grow together with our customers by pressing forward with the deepening and expansion of the solutions business that we have been working on and by further strengthening our relationships with customers. For corporate customers, in addition to providing strategic solutions that are deeply involved in management strategies, such as business, finance, and capital, we are also focusing on demonstrating a financial intermediation function to local customers in cooperation with THE KANAGAWA BANK. For individual customers, we aim to become a financial institution that is closer to home and that customers choose. To this end, we will work to improve convenience by providing customers with the most appropriate channels and strengthen our provision of solutions tailored to each customer's life stage. We will also engage in forward-looking growth-oriented investments to strengthen and expand business areas through strategic investment and alliances.
In the “Empowerment” initiative, we are pushing ahead with reforms to create an organizational culture that is highly motivated to take on challenges and grow. We will achieve this through human resource development initiatives aimed at becoming a “solution company” by actively investing in talent, business reforms, and the promotion of productive improvements using IT and AI.
In the “Sustainability” initiative, to contribute to the sustainable growth of local economies, we will utilize our diverse networks to strengthen our efforts to resolve issues facing local communities. At the same time, we will further strengthen our customers' engagement toward decarbonization, thereby promoting decarbonization in local communities. We will also focus on the sophistication of group governance to build a solid management foundation.
We will continue to pursue the provision of services that exceed customer expectations and contribute to the sustainable development of local communities by promoting enhanced corporate value through sustainable growth. We look forward to your continued support and look forward to serving you in the future.
April 2025
The Bank of Yokohama, Ltd.
President and Representative Director
