Tsukuba Bank unveils three-year management plan, targets JPY 50 bn net income

Tsukuba Bank received approval from the Financial Services Agency for its Management Enhancement Plan, effective for three years from April 1, 2025, to March 31, 2028. Formulated under the Act on Special Measures for Strengthening Financial Functions, the plan aims to reinforce the bank's business model through "evolution" in human capital management and operational efficiency, building on its "customer-focused" and "quality-driven" approach. Key initiatives include optimizing talent portfolios, fostering human resource development, enhancing business efficiency and productivity, and strengthening business strategies. The bank expects to achieve a net income of JPY 50 billion and an ROE of over 5% by March 2028.

The new plan emphasizes deeper engagement and consulting services for local small and medium-sized enterprises, moving beyond traditional lending to comprehensive business support. This includes promoting business assessments for financing, main business support tailored to enterprise life stages, and turnaround assistance to boost corporate value. The bank also seeks to provide risk-taking capital not overly reliant on collateral, which is expected to contribute to the sustainable development of the local economy by fostering shared value between the bank and its customers.