Message from the President

 On behalf of Hirogin Holdings, Inc., I would like to express our sincere appreciation for your continued understanding and support of Hirogin Holdings, Inc. and its subsidiaries (collectively, the “Hirogin Group”).

 The Hirogin Group is a regional comprehensive service group with its primary business base in four prefectures―centered on Hiroshima, and including Okayama, Yamaguchi, and Ehime. We provide solutions to address the challenges faced by local communities and customers through both financial and non-financial services.

 Guided by our belief that “the growth of the Hirogin Group is closely linked to the growth of the region,” we are committed to resolving a wide range of issues faced by regional communities and customers. At the same time, we strive to create a virtuous cycle that contributes to the growth of regional communities and customers and enhances the corporate value of our Group. Under our Mid-Term Management Plan 2024 (April 2024 to March 2029), we are promoting the following initiatives:

  1. Initiatives for Value Creation
     Placing customer-oriented business operations at the core, we are implementing various measures aimed at realizing vibrant regional communities and supporting the growth and development of our customers. In the retail segment, Hiroshima Bank, Hirogin Securities and Hirogin Life Partners work together to support customers in building financial assets for a prosperous future. In the corporate segment, in addition to providing financing through loans and equity, we actively support the growth of local companies by offering tailored solutions based on business viability assessments (evaluations based on a company’s business model, growth potential, and qualitative factors beyond financial data)―a key strength of Hiroshima Bank. Furthermore, as part of our “urban and community development” initiatives to revitalize the region, we have positioned the regional development business―centered on real estate-related finance and consulting services for local governments and redevelopment project stakeholders―as a priority business area, and are advancing group-wide efforts in this field.
  2. Initiatives to Strengthen the Management Foundation
     We recognize human capital as one of our most important management resources. Under the Mid-Term Management Plan 2024, we plan to approximately double our investment in human capital compared with previous levels. Through enhanced training programs, expanded reskilling support, and the dispatch of employees to external training opportunities, we will foster the growth of our people. At the same time, we will strategically allocate talent to priority business areas such as corporate advisory services, ship finance, regional development business, and securities investment, thereby driving the sustainable growth of our organization.
  3. Initiatives for Various Transformations
     In terms of Sustainability Transformation (SX), we are focusing on initiatives such as carbon neutrality and Diversity, Equity & Inclusion (DE&I) to address environmental and social challenges and enhance sustainability across our Group, our customers, and local communities. For Digital Transformation (DX), we are actively investing in DX initiatives and IT infrastructure to build a highly productive organization. In addition to improving operational efficiency through the use of generative AI, we are working toward migration to the MEJAR core banking system (a shared core banking system used jointly by six regional banks in Japan, including Hiroshima Bank), which is scheduled for January 2031, as part of our efforts to enhance our IT infrastructure. In Alliance Transformation (AX), we are actively promoting partnerships with companies both within and outside the industry, aiming to expand our business domains and further enhance our service offerings.

 Through these initiatives, we aim to achieve the sustainable growth of the Hirogin Group and to help shape a broader future for all stakeholders as a regional comprehensive service group capable of meeting a wide range of needs―not only in financial services but also in non-financial fields.

 We sincerely ask for your continued support and cooperation.

Hirogin Holdings, Inc.
Representative Director and President
Yuji Hiroe