Continued Expense Efficiency and BPR
First written in FY2016. 22 of 31 entries say "Advanced", first in FY2017. Latest entry: FY2026.
The whole theme swung hardest in 2020: 2 of 8 companies on the "Worse" side.
4 other companies' latest entry also says "Other".
- FY2026Rising expenses alongside improved efficiency metricsAnnual report
「For the consolidated fiscal year, results were consolidated net income of ¥525.5 billion, ROE of 5.30%, an OHR of 55.51%, a ¥62.9 billion decrease in operating expenses from fiscal 2020 and an equity ratio of 14.93%.」
While operating expenses increased by ¥30.2 billion year on year, the OHR improved to 55.51%. The reduction in operating expenses from fiscal 2020 was ¥62.9 billion. - 2026-05-15OtherEarnings presentation materials
「2025年度の営業経費は、前年度比295億円増加の9,410億円。」
営業経費は増加した一方、OHRは61.38％から55.51％へ改善した。中期経営計画上の営業経費削減実績は2020年度比629億円減で、目標の690億円減には届かなかった。 - FY2026-H1Shift to an increase in expensesAnnual report
「Expenses increased by ¥11.4 billion year on year to ¥475.7 billion.」
Regarding cost efficiency, expenses increased by ¥11.4 billion year on year during the interim period, reversing the decrease in the previous fiscal year. Non-personnel expenses increased by ¥14.5 billion. - FY2025AdvancedAnnual report
「For the consolidated fiscal year, results were consolidated net income of ¥414.3 billion, ROE of 4.28%, an OHR of 61.38%, a ¥94.6 billion decrease in operating expenses from fiscal 2020, an equity ratio of 15.08% and a CET1 ratio of 11.77%.」
The OHR was 61.38%, and operating expenses decreased by ¥94.6 billion from fiscal 2020, representing further progress in cost efficiency from the previous fiscal year. - FY2025-H1AdvancedAnnual report
「Expenses decreased by ¥3.2 billion year on year to ¥464.3 billion.」
Expenses decreased by ¥3.2 billion year on year, reversing the increase seen in the previous fiscal year during the interim period. - FY2024Rising expenses alongside improved efficiency metricsAnnual report
「For the consolidated fiscal year, results were consolidated net income of ¥356.1 billion, ROE of 3.74%, an OHR of 65.39%, a ¥81.5 billion decrease in operating expenses from fiscal 2020, an equity ratio of 15.01% and a CET1 ratio of 13.23%.」
While expenses increased year on year, the OHR improved to 65.39%, and operating expenses decreased by ¥81.5 billion from fiscal 2020. - FY2024-Q3Continued increase in expensesAnnual report
「Expenses increased by ¥4.0 billion year on year to ¥700.4 billion.」
Expenses increased by ¥4.0 billion year on year, reversing the declining trend through the previous year-on-year period. Following the increase in the previous quarter, expenses continued to trend upward in terms of cost efficiency. - FY2024-Q2Continued increase in expensesAnnual report
「Expenses increased by ¥1.5 billion year on year to ¥467.6 billion.」
Regarding cost efficiency, expenses increased by ¥1.5 billion year on year, following the slight increase in the previous quarter. - FY2024-Q1Slight increase in expensesAnnual report
「Expenses increased by ¥600 million year on year to ¥237.3 billion.」
Regarding cost efficiency, expenses increased by ¥600 million in the first quarter, reversing the declining trend through the previous year-on-year period. - FY2023AdvancedAnnual report
「For the consolidated fiscal year, results were consolidated net income of ¥325.0 billion, ROE of 3.44%, an OHR of 67.15%, a ¥84.5 billion decrease in operating expenses from fiscal 2020, an equity ratio of 15.53% and a CET1 ratio of 14.01%.」
The Bank disclosed results against the financial targets in its medium-term management plan, including an OHR of 67.15% and a ¥84.5 billion reduction in operating expenses from fiscal 2020. - FY2023-Q3AdvancedAnnual report
「Expenses decreased by ¥52.1 billion year on year to ¥696.3 billion, due mainly to lower deposit insurance premiums and lower commission fees paid to 日本郵便株式会社.」
Expenses decreased by ¥52.1 billion year on year, mainly due to lower deposit insurance premiums and lower commission fees paid to 日本郵便株式会社. - FY2023-Q2AdvancedAnnual report
「Expenses decreased by ¥35.0 billion year on year to ¥466.0 billion, due mainly to lower deposit insurance premiums and lower commission fees paid to 日本郵便株式会社.」
Expenses decreased by ¥35.0 billion year on year to ¥466.0 billion. Lower deposit insurance premiums and lower commission fees paid to 日本郵便株式会社 are identified as the main factors. - FY2023-Q1AdvancedAnnual report
「Expenses decreased by ¥16.3 billion year on year to ¥236.6 billion, mainly due to lower commission fees paid to 日本郵便株式会社 and lower deposit insurance premiums.」
Expenses decreased by ¥16.3 billion year on year. Lower commission fees paid to 日本郵便株式会社 and lower deposit insurance premiums are identified as contributing factors. - FY2022AdvancedAnnual report
「Expenses decreased by ¥28.2 billion from the previous consolidated fiscal year to ¥983.2 billion, mainly due to lower commission fees paid to 日本郵便株式会社 and lower taxes resulting from a review of the method used to calculate consumption tax payments.」
Expenses decreased by ¥28.2 billion year on year to ¥983.2 billion. Under the efficiency metrics in the medium-term management plan, the OHR was 67.52%, and operating expenses decreased by ¥27.9 billion from fiscal 2020. - FY2022-Q3AdvancedAnnual report
「Expenses decreased by ¥10.6 billion year on year to ¥748.5 billion, mainly because commission fees paid to 日本郵便株式会社 decreased.」
Expenses decreased by ¥10.6 billion year on year. The decrease in commission fees paid to 日本郵便株式会社 is identified as the main factor. - FY2022-Q2AdvancedAnnual report
「Expenses decreased by ¥3.6 billion year on year to ¥501.1 billion, mainly because commission fees paid to 日本郵便株式会社 decreased.」
Expenses decreased by ¥3.6 billion year on year to ¥501.1 billion. The decrease in commission fees paid to 日本郵便株式会社 is identified as the main factor. - FY2021AdvancedAnnual report
「At savings operations centers, we will promote comprehensive automation of operations by combining digital technologies, including expanding the use of AI-OCR and RPA and introducing BPMS.」
For cost efficiency and BPR, the disclosure identifies the automation of operations at savings operations centers through a combination of AI-OCR, RPA and BPMS as a specific initiative. Annual expenses decreased by ¥10 billion year on year. - FY2021-Q3AdvancedAnnual report
「Expenses decreased by ¥10.8 billion year on year to ¥759.1 billion.」
Expenses decreased by ¥10.8 billion year on year to ¥759.1 billion. The disclosure reports measurable results in improving cost efficiency. - FY2021-Q1AdvancedAnnual report
「Expenses decreased by ¥10.2 billion year on year to ¥253.0 billion.」
Expenses decreased by ¥10.2 billion year on year to ¥253.0 billion. The disclosure reports measurable results in improving cost efficiency. - FY2020AdvancedAnnual report
「Expenses decreased by ¥17.0 billion from the previous consolidated fiscal year to ¥1.0215 trillion.」
Expenses decreased by ¥17.0 billion year on year. The Bank also promoted the use of RPA at savings operations centers and pursued efficiency gains using digital technology. - FY2020-Q3AdvancedAnnual report
「Expenses decreased by ¥12.8 billion year on year to ¥770.0 billion.」
Expenses decreased by ¥12.8 billion year on year to ¥770.0 billion. The disclosure reports measurable results in improving cost efficiency. - FY2020-Q2AdvancedAnnual report
「Expenses decreased by ¥7.2 billion year on year to ¥515.1 billion.」
Expenses decreased by ¥7.2 billion year on year to ¥515.1 billion. The disclosure reports measurable results in improving cost efficiency. - FY2019AdvancedAnnual report
「We advanced administrative efficiency through the effective use of IT, including completing the rollout of the image workflow system (note) at all savings operations centers. In this way, we continued BPR (improving productivity through business process transformation) and worked to use expenses more efficiently.」
The rollout of the image workflow system was completed at all savings operations centers, and expenses also decreased by ¥6.5 billion year on year. - FY2019-Q3AdvancedAnnual report
「Expenses decreased by ¥3.2 billion year on year to ¥782.3 billion.」
Expenses decreased by ¥3.2 billion year on year to ¥782.3 billion. The disclosure reports measurable results in improving cost efficiency. - FY2019-Q2AdvancedAnnual report
「Expenses decreased by ¥200 million year on year to ¥521.9 billion.」
Expenses decreased by ¥200 million year on year to ¥521.9 billion. - FY2018AchievedAnnual report
「The reduction in non-personnel expenses, set as a management target under the medium-term management plan (fiscal 2015 to fiscal 2017), amounted to ¥78.5 billion compared with fiscal 2014, exceeding the target reduction of ¥50 billion.」
The Bank achieved a ¥78.5 billion reduction from fiscal 2014, against the ¥50 billion target for reducing non-personnel expenses. - FY2018-Q3AdvancedAnnual report
「Expenses decreased by ¥10.5 billion year on year to ¥785.5 billion.」
Expenses decreased by ¥10.5 billion year on year to ¥785.5 billion. The disclosure reports measurable results in improving cost efficiency. - FY2018-Q2AdvancedAnnual report
「Expenses decreased by ¥8.7 billion year on year to ¥522.2 billion.」
Expenses decreased by ¥8.7 billion year on year to ¥522.2 billion. - FY2018-Q1AdvancedAnnual report
「Expenses decreased by ¥4.2 billion year on year to ¥262.9 billion.」
Expenses decreased by ¥4.2 billion year on year. Although specific factors such as BPR are not described in this filing, it reports measurable results in improving cost efficiency. - FY2017AdvancedAnnual report
「Expenses decreased by ¥10 billion year on year to ¥1.0561 trillion. While making proactive investments in areas that contribute to improving customer service and supporting the Bank's growth, we will work to use expenses more efficiently by reducing budgeted expenses and promoting BPR (improving productivity through business process transformation).」
Expenses decreased by ¥10 billion year on year, while reductions in budgeted expenses and BPR continued. - FY2016First statedAnnual report
「While making proactive investments to improve customer service and support the Bank's growth, we will continue BPR (improving productivity through business process transformation) and work to achieve further efficiency gains.」
The disclosure presents both investment in growth and services and efficiency gains through business process transformation.