We would like to express our sincere appreciation for your continued understanding and support of the CCI Group.

In October 2025, we changed our corporate name to CCI Group,Inc. marking a new step forward.
CCI stands for Communication, Collaboration, and Innovation. It embodies our enduring values and guiding principles: to create new value through dialogue and partnership.

Guided by this philosophy, during the fiscal year ended March 2026, we advanced our business as a unified group while striving to balance responsiveness to a changing environment with the creation of new value.

As a result, we achieved consolidated net income of JPY 12.6 billion and an annual dividend of JPY 23 per share (post stock split basis) for the fiscal year ended March 2026.
These achievements are the result of the long-standing trust we have built with our customers, shareholders, employees, and all other stakeholders. We express our deepest gratitude.

Under the new structure following our name change, we have entered a phase of more concrete execution of our dual-brand management strategy, centered on the Hokkoku Bank brand and the CCI brand.

Hokkoku Bank continues to build on the trust and reliability it has cultivated as a regional financial institution, working closely with each customer to enhance financial services and provide solutions to their challenges. At the same time, we are evolving into a provider of more sophisticated and convenient financial services by combining digital technologies with in-person consultations to meet diverse needs.

Our digital regional currency “Tochi-Tsuka,” launched in April 2024, is designed to promote the circulation of money within the region and revitalize local communities. Supported by collaborations with local governments and credit unions, the number of registered users has exceeded 150,000 and continues to grow steadily. We aim to establish it as a new mechanism that encourages local economic circulation.

Meanwhile, the CCI Group plays a role beyond traditional financial services by collaborating with diverse partners to address regional and social challenges and create new value. Through the synergy of these two brands, we will deliver sustainable value that goes beyond the conventional framework of financial institutions.

In January 2027, our next-generation core banking system, “BankWill,” developed in-house, will begin operations. In addition to internal use, we are expanding into system sales by providing this proprietary platform to other financial institutions. At the same time, we are diversifying our business portfolio through non-financial initiatives such as sports and entertainment.

In our newly updated medium-term management plan, we further deepen our “ambidextrous management” leveraging these two brands, while enhancing the robustness of our earnings base and the feasibility of our growth strategy.

In an environment where interest rates exist, we have strengthened our framework to steadily translate changes in interest rate conditions into earnings by reviewing asset allocation and advancing corporate lending capabilities. As a result, we have brought forward our target of achieving an ROE of 8% from the fiscal year ending March 2030 to the fiscal year ending March 2028.

We are also working to build a stable earnings base through optimization of our portfolio and increased investment in private assets. At the same time, we aim to steadily grow revenues in new business domains—including digital and system businesses and regional revitalization—from JPY 14.3 billion in the fiscal year ended March 2026 to JPY 20.9 billion in the fiscal year ending March 2029.

Regarding shareholder returns, our basic policy is a payout ratio of approximately 40% combined with flexible share buybacks. We will continue to provide returns based on sustainable profit growth. We will also further invest in human capital and accelerate the use of AI to enhance added value across the Group.

Through dialogue and collaboration, the CCI Group aims to co-create new value and contribute to the realization of a “Visionary Region.” We will create a virtuous cycle in which value generated in our regions expands to society as a whole, thereby contributing to a sustainable future.

“Create Together. Grow Together.”
Under this slogan, the CCI Group will continue to generate value and contribute to both regional communities and broader society, starting with meaningful dialogue.

We appreciate your continued support and encouragement.