Kenichi Kawamura

Let me first express my deepest appreciation to all our stakeholders for their continued support of the Concordia Financial Group.
This is the sixth year since the Concordia Financial Group was launched in 2016.

In addition to a declining and aging population and the prolonged negative interest rate policy, the economic slowdown caused by the spread of the new coronavirus infection and the spread of new lifestyles have rapidly changed our business environment.

In this environment, the Group is striving to realize our long-term vision of becoming “a new financial company that is more than a conventional bank” through our medium-term management plan, which extends over three years starting in fiscal 2019.

In fiscal 2020, the second year of the medium-term management plan, based on the three basic policies the company implemented the following priority measures: increasing sophistication of the solutions business, reform of store operations, and strengthening of the organization and human resources.

We positioned that year as one in which to make steady and swift progress, and we have worked on each measure.

We have positioned FY 2021 as the year of total completion of structural reforms. increasing sophistication of the solutions business, reform of store operations, and strengthening of the organization and human resources. Realizing a management base that is highly resilient and capable of generating sustainable profits will bring us to a new stage ofgrowth.

We look forward to your continued support.

June 2021

Concordia Financial Group, Ltd.
Yasuyoshi Oya, President and Representative Director

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