What are Mission Vision & Core Values of Shizuoka Financial Group Company?

What drives Shizuoka Financial Group's purpose and strategy?

Shizuoka Financial Group anchors long-term value creation through conservative risk management and targeted innovation. As parent of Shizuoka Bank, it managed total assets above ¥17 trillion by early 2025, balancing regional support with shareholder returns.

Its mission, vision and values steer the shift from traditional lending to integrated financial services, prioritizing regional prosperity, digital investment and stakeholder trust.

What are Mission Vision & Core Values of Shizuoka Financial Group Company?

Shizuoka Financial Group Porter's Five Forces Analysis

Shizuoka Financial Group mission centers on regional development, supporting residents, manufacturing and agriculture with capital, consulting and business matching to preserve supply chains and local employment in Shizuoka Prefecture.

Community-first banking

Prioritizes local needs to expand together with the community and maintain stability.

SME succession support

Deployed regional revitalization funds exceeding ¥10 billion to aid SME business succession.

Startup ecosystem

Expanded the Shizugin Ship initiative in 2024–2025 to foster new industries and startups locally.

Consulting & matchmaking

Offers specialized consulting and business matching to strengthen regional supply chains.

Customer-centric focus

Targets local residents and key sectors such as manufacturing (Suzuki, Yamaha) and agriculture.

Market leadership

Holds over 40% of Shizuoka's local lending market as of mid-2025, reflecting community trust.

The Group's management philosophy, Expand together with our community, shapes Shizuoka Financial Group purpose and corporate identity, aligning mission, vision and core values to regional prosperity; see Growth Strategy of Shizuoka Financial Group for more.

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The Group's vision is to transform regional banking into a tech-enabled, customer-centric financial ecosystem, leveraging DX and GX to support sustainable growth and target a consolidated net income of ¥90 billion by plan end.

Regional leadership

Aims to be the model regional financial group in Japan, expanding impact beyond prefectural borders.

Customer co-creation

Focuses on co-creating value with customers through personalized services and data-driven solutions.

Digital transformation (DX)

Investing in DX to integrate banking with leasing, securities, and consulting under the Xover plan.

Green transformation (GX)

Prioritizes sustainable finance to support clients' transition and regional decarbonization efforts.

Financial strength

Maintained capital adequacy above 15% in FY2024, underpinning strategic investments.

Integrated services

Bridges banking and non-banking services to diversify revenue and enhance client solutions; see Revenue Streams & Business Model of Shizuoka Financial Group.

The vision aligns with the Xover medium-term plan, targets ¥90 billion consolidated net income, and leverages a > 15% capital adequacy ratio to fund DX and GX initiatives across the region.

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Shizuoka Financial Group’s core values guide its corporate identity and daily decisions, balancing customer service, prudent management, innovation, and local contribution. These values support the group’s mission and vision by ensuring trust, resilience, and community focus across all operations.

Customer-First Orientation

The group prioritizes client needs through a Shift to Consulting strategy, expanding certified financial planners by 15% in 2024 to improve legacy planning for an aging population.

Sound Management and Integrity

Rigorous risk frameworks and transparency sustain a high Tier 1 capital ratio, reflecting disciplined lending and depositor protection even amid market volatility.

Progressive Spirit

Innovation through a digital laboratory and fintech partnerships powers the Shizugin app, which surpassed 1 million active users by early 2025 and added AI-driven financial tools.

Contribution to the Community

Commitments to sustainable finance total a target of ¥2 trillion by 2030, funding decarbonization and local cultural initiatives that strengthen regional resilience.

Read how the Shizuoka Financial Group mission and vision shape strategic choices and capital allocation next; explore impacts on lending, digital investment and community finance in the following chapter. Competitors Landscape of Shizuoka Financial Group

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The mission and vision set the strategic compass for the group's resource allocation, risk appetite and innovation priorities, shaping decisions from capital structure to new business entry. They guide management choices that balance regional service, shareholder returns and expansion into non-banking sectors.

Mission, Vision & Core Values — Snapshot

Concise statements align the bank's regional roots with a growth-oriented, solution-provider identity.

• Mission: support local communities while ensuring sustainable shareholder value
• Vision: create a new future by expanding beyond traditional banking
• Core values: customer-first service, local engagement, integrity and innovation
• Corporate identity: blend of regional banking heritage and diversified group strategy

Strategic Driver

The mission and vision are primary inputs to the Xover strategic framework that directs portfolio choices and M&A priorities.

Structural Change

The 2022 shift to a holding company was adopted to enable non-banking businesses; the reorganization was completed and optimized by 2024.

Diversification Impact

As of 2025 briefings, non-interest income from new business lines contributes about 30% of total revenue.

Financial Targets

Management targets a Return on Equity of 5.5% and maintains a dividend payout ratio at or above 40%.

Leadership Philosophy

President Hisashi Minekai frames the group as a solution provider extending beyond banking boundaries.

Operational Effect

Branch managers are empowered to act as local business consultants, reflecting the Shizuoka Bank philosophy in daily operations.

The mission and vision directly influence strategic moves—holding-company conversion, sector diversification (IT, energy, med-tech) and financial targets—read the next chapter: Core Improvements to Company's Mission and Vision and explore how these principles will be refined for future growth. Target Market of Shizuoka Financial Group

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Four focused improvements can make the Shizuoka Financial Group mission and vision more globally relevant, digitally resilient, and ethically data-driven; each targets measurable impact for corporate and SME clients in 2025. These changes align with evolving customer behavior, AI adoption, and ESG expectations while preserving the group's community-first identity.

Embed a Global-Local Connectivity Statement

Add an explicit line to the Shizuoka Financial Group mission about connecting local communities and SMEs to global trade and capital, reflecting that regional clients increasingly operate in international supply chains.

Specify Digital-First Competitive Positioning

Refine the Shizuoka Financial Group vision to state competitive intent versus digital-only challengers, emphasizing mobile banking growth and platform partnerships to protect market share.

Commit to Ethical AI and Data Use

Incorporate a core value on ethical data usage and AI governance to balance the progressive spirit with privacy expectations, supporting trust as digital services scale.

Elevate ESG and SME Trade Support

Add a vision clause linking sustainability and SME internationalization, helping clients meet ESG compliance and cross-border trade financing needs amid rising regulatory requirements.

Improvements

While the current mission and vision statements are robust, they could be strengthened by more explicitly addressing the global nature of modern supply chains; refine to connect the local community to global opportunities to better reflect corporate client needs in 2025. Compared to international peers, SFG’s vision could be more specific regarding digital-only competition and platform strategies. A suggested refinement for the vision would be: To be a technology-driven regional financial group that connects our community to global growth and a sustainable future; this aligns with regional banks facilitating international trade and ESG compliance for SME clients. As AI integrates into banking, the mission could add ethical data usage to balance progressive spirit with privacy expectations, supporting mobile-first, borderless financial interactions and ensuring relevance as consumer behavior shifts. For context on ownership and governance see Owners & Shareholders of Shizuoka Financial Group.