We would like to take this opportunity to express our sincere gratitude to all of you for your continued patronage and support of Ehime Bank.

One year has now passed since the outbreak of the COVID-19 virus, which has brought with it a tremendous economic and social toll. During this period, we have been listening to the circumstances of all our clients who were affected by the COVID-19 crisis and have been striving to provide a range of support for their cash flow and corporate reinvigoration.

Recently, thanks to the progress of vaccinations, we have begun to see a gradual return to normal economic activity. However, the economy in the prefecture is still in a state of flux, and the expectations are that it will take some time for the local economy to recover.

From now on, however, movements in the areas such as “business revitalization and business conversion from the COVID-19 crisis,” “digitization,” and “response to climate change” will continue to accelerate. Recognizing that the current fiscal year may be a significant turning point for the post-COVID-19 period, as a regional financial services organization, it is our intention to be at the forefront of this effort, offering our wisdom and support with all available resources.

In April 2021, we initiated our new 17th Medium-term Management Plan. The theme of the plan is “The challenge to enact reforms Second stage ~A platformer for the reinvigoration of our home region~”, which continues the direction of our 16th Medium-term Management Plan.

As a result of pushing forward with the formation of a unique platform with new business partners, which the Bank has positioned as its Financial Plus One strategy , we have been able to deliver a variety of solutions and have also made steady progress in developing our digital infrastructure.

In our 17th Medium-term Management Plan, in addition to the Financial Plus One strategy, we will continue to develop new distinctive businesses that contribute to regional development by making the most of deregulation in the banking industry.

We are committed to working together with our customers to create sustainable regional value as a bank that has earned the friendship and trust of the public and as a bank that makes creative contributions to progress in our service area.

August 2021

Yoshinori Nishikawa

President