Suruga Bank Unveils Three-Year Mid-Term Plan With ROE and AI Efficiency Targets

An update from Suruga Bank ( (JP:8358) ) is now available.

Suruga Bank has approved a new three-year mid-term business plan for fiscal 2026 to 2028, building on its prior Re:Start 2025 Phase 2 program under which it expects to meet all key performance indicators. The new plan targets a consolidated return on equity of at least 11 percent in fiscal 2028, signaling an ambition to accelerate regrowth and enhance capital efficiency.

The strategy centers on deepening the so-called Yatsugatake Model by sharpening differentiation across its four existing profit centers and elevating alliance business to a fifth pillar of revenue growth. A key focus will be expanding collaboration with Credit Saison into a second stage to pursue new financing and deposit-sourcing schemes, while bank-wide adoption of artificial intelligence aims to deliver AI-driven transformation and a 30 percent improvement in operational efficiency, equivalent to about 500,000 hours, potentially improving profitability and competitiveness for stakeholders.

More about Suruga Bank

Suruga Bank, Ltd. is a regional Japanese financial institution listed on the Prime Market of the Tokyo Stock Exchange, offering retail and corporate banking services. The bank operates multiple profit centers, including community and direct banking, a Greater Tokyo and wide-area business, and a market finance division, with a focus on differentiated financial services and strategic alliances.

Average Trading Volume: 750,821

Technical Sentiment Signal: Buy

Current Market Cap: Yen419.8B

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