Message from the President

We would like to express our deepest gratitude for your exceptional support.

Kyoto Financial Group is a comprehensive solution company deeply rooted in the community, with its main business base in the Kansai region (Kyoto, Osaka, Shiga, Nara,and Hyogo Prefectures). Centered around banking services, we offer a wide range of services including leasing, securities, venture investments, and consulting. With the transition to a holding company structure in October 2023, we have strengthened governance over group companies, enhanced each company's strengths, and reinforced collaboration within the group to meet the expectations of our regional customers.

Currently, the environment surrounding our group is undergoing significant changes. With the arrival of "An Economy with positive interest rates,“ competition for deposits among financial institutions has intensified. Simultaneously, the rapid growth of online banks and fintech companies, driven by the development and widespread use of digital technology, has led to competition transcending industries and regions. Additionally, there are concerns about the long-term shrinking of market size in regional economies due to population decline caused by a declining birthrate and aging population.

Amidst such circumstances, under the management philosophy of “Serving the Prosperity of the Community,“ we have launched a new medium-term management plan titled “Using Kyoto and Kansai Growth to Drive Japan-the Kyoto Financial Group Challenge“ starting in April 2026. Our objective is to continue growing as a “value-creating group“ that generates a virtuous cycle of sustainable growth together with all stakeholders.

Our group strives for “Regional Future Co-Creation“ by addressing social issues such as business closures due to aging company owners and a shortage of successors, as well as labor shortages. We leverage the customer base and trust built through our support alongside regional businesses, in addition to our solid financial foundation. Furthermore, by actively utilizing digital technology, we aim to respond to advancements in DX and AI technologies, changes in lifestyles, and the spread of cashless transactions. We will construct seamless customer touchpoints that connect digital and real-world experiences, providing services that satisfy our customers in every aspect.

All officers and staff of Kyoto Financial Group are committed to realizing a sustainable regional society and will do our utmost to meet your expectations. We kindly ask for your continued support and patronage.

April 2026
Kyoto Financial Group, Inc.,
Representative Director and President
Nobuhiro Doi