Message from the President
I would like to express our sincere gratitude to all of you for your generous support.
In order to continue to be an ‘indispensable financial group for the community’ as stated in our management philosophy, Concordia Financial Group updated our vision to become ‘a solution company rooted in communities and selected as a partner to walk together’, based on our commitment to becoming the closest partner for customers and regional communities by sincerely addressing issues faced by them, and by broadening the range and increasing the quality of our solutions.
Environmental changes are accelerating, and uncertainty is increasing. To realize our vision, 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.
Under “Growth,” we will focus on accelerating growth by deepening and expanding the provision of solutions through steady growth in the home market and strategic investment. Under “Empowerment,” we will focus on maximizing the human capital that is providing solutions. We will also improve productivity using AI and other technologies to support this. Under “Sustainability,” we will focus on the sophistication of group governance while contributing to the economic growth of the home market.
In April, L&F Asset Finance joined the Group, marking the first step in our evolution from a banking group to a comprehensive financial group.
In conjunction with the start of the new medium-term management plan, we plan to change our company name to Yokohama Financial Group to take the Group onto the next stage to leap into the future. Through this, we hope that stakeholders in Japan and overseas will recognize us as a financial group centered on regional financial institutions. We will also transition to a Company with an Audit & Supervisory Committee to further enhance the effectiveness of our supervisory functions and further enhance corporate governance.
We will continue to enhance corporate value through the co-creation of social and economic value by resolving issues facing local communities and customers and work to enhance shareholder returns to build a future that is supported by all stakeholders.
We look forward to your continued support.
April 2025
Concordia Financial Group, Ltd.
President and Representative Director
