14th Medium-Term Management Plan: “Never Say Never”
First written in FY2017. 8 of 11 entries say "Restated". Latest entry: FY2022-Q3.
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- FY2022-Q3RestatedAnnual report
「There were no significant changes or newly established matters during the first nine months of the current consolidated fiscal period.」
For FY2022-Q3, the disclosure continues to state that there were no material changes or newly established matters concerning the management policies, management strategies and other matters related to the 14th Medium-Term Management Plan. - FY2021ReframedAnnual report
「We formulated the 15th Medium-Term Management Plan, titled “A Three-Year Plan to Shape Our Bank’s Future,” covering the three-year period from 1 April 2020 to 31 March 2023.」
The plan transitioned from the 14th Medium-Term Management Plan to the 15th Medium-Term Management Plan. The new plan covers the three years from April 2020 to March 2023. - FY2021-Q3RestatedAnnual report
「There were no significant changes or newly established matters during the first nine months of the current consolidated fiscal period.」
The disclosure continues to state that there were no material changes or newly established matters concerning the indicators used to assess progress toward management targets. - FY2021-Q2RestatedAnnual report
「There were no significant changes or newly established matters during the second quarter of the current consolidated fiscal period.」
It is stated that there were no material changes or newly established matters concerning the management policies, management strategies and other matters, or the indicators used to assess progress toward management targets. - FY2021-Q1RestatedAnnual report
「There were no significant changes or newly established matters during the first quarter of the current consolidated fiscal period.」
It is stated that there were no material changes or newly established matters concerning the management policies, management strategies and other matters, or the indicators used to assess progress toward management targets. - FY2020-Q2RestatedAnnual report
「In FY2019, the final year of the 14th Medium-Term Management Plan, we established the following three basic policies and steadily implemented them under the “Never Say Never” slogan: (1) regard changes in the regional economy as changes in our customers, build an organization capable of responding flexibly to customer needs, and contribute to regional development; (2) as a comprehensive financial institution, fully implement our fiduciary duty, improve the quality of financial services, and earn even greater trust; and (3) continue to develop the capabilities of each officer and employee, enabling every individual to evolve so that our Group can evolve into a regional financial institution that customers genuinely need.」
FY2019 was positioned as the final year of the 14th Medium-Term Management Plan, and the three basic policies and the “Never Say Never” framework were reaffirmed. No new numerical targets or completion milestones were presented. - FY2019Disclosure of progress toward the final-year targets, including shortfallsAnnual report
「Targets (fiscal year ending March 2020) Actual (fiscal year ended March 2019) Variance from final-year target ① Average total loans outstanding during the period ¥898.0 billion or more ¥830.7 billion △¥67.3 billion ④ Net income ¥4,000 million or more ¥3,504 million △¥496 million ⑤ Capital adequacy ratio Around 12% 11.54% △0.46 percentage points ⑦ OHR Approximately 66% 68.62% +2.62 percentage points ① Average total loans outstanding during the period were ¥67.3 billion below the final-year target, as loans to local governments declined due to measures to contain the amount of interest-rate risk.」
Against the targets for the fiscal year ending March 2020 under the 14th Medium-Term Management Plan, specific disclosures were made of the actual results for the fiscal year ended March 2019 and the variances from target. Total loans, loans to small and medium-sized enterprises, total deposits, net income, the capital adequacy ratio, and operating net profit ROA were below target, while the OHR exceeded target. - FY2019-Q2RestatedAnnual report
「In FY2018, the interim year of the 14th Medium-Term Management Plan, we established the following three basic policies and steadily implemented them under the “Never Say Never” slogan: (1) regard changes in the regional economy as changes in our customers, build an organization capable of responding flexibly to customer needs, and contribute to regional development; (2) as a comprehensive financial institution, fully implement our fiduciary duty, improve the quality of financial services, and earn even greater trust; and (3) continue to develop the capabilities of each officer and employee, enabling every individual to evolve so that our Group can evolve into a regional financial institution that customers genuinely need.」
FY2018 was positioned as the interim year of the 14th Medium-Term Management Plan, and the three basic policies and the “Never Say Never” framework were reaffirmed. No specific new numerical targets or completion milestones were presented. - FY2018RestatedAnnual report
「Beginning in FY2017, we established three basic policies: (1) regard changes in the regional economy as changes in customer needs and contribute to the development of customers and the region by responding flexibly to those changing needs; (2) earn greater trust from customers by rigorously fulfilling our fiduciary duty as a comprehensive financial institution and improving the quality of our financial services; and (3) enable our Group to evolve into a financial institution that customers genuinely need by having each officer and employee develop their individuality and evolve. Under the catchphrase “Never Say Never,” we proceeded with our operations.」
The three basic policies of the 14th Medium-Term Management Plan and the “Never Say Never” framework are being reaffirmed. No new numerical targets or completion milestones are provided. - FY2018-Q2RestatedAnnual report
「We formulated the 14th three-year Medium-Term Management Plan, beginning in FY2017, and established the following three basic policies: (1) regard changes in the regional economy as changes in our customers, build a structure capable of responding flexibly to customer needs, and contribute to regional development; (2) as a comprehensive financial institution, rigorously fulfill our fiduciary duty, improve the quality of our financial services, and earn greater trust; and (3) continue to develop the individuality of our officers and employees, enabling each person to evolve so that our Group becomes a regional financial institution that customers genuinely need. Under the catchphrase “Never Say Never,” we steadily implemented these policies.」
The three basic policies and the three-year timeframe of the 14th Medium-Term Management Plan were reiterated, and the plan was described as being steadily implemented. However, no specific new milestones were presented. - FY2017First statedAnnual report
「Based on this recognition, we formulated the 14th three-year Medium-Term Management Plan, beginning in FY2017. Building on the basic philosophy of the previous medium-term management plan, “Together with the Community: Earning Greater Trust and Continuing to Evolve,” we established the following three basic policies: (1) regard changes in the regional economy as changes in our customers, build a structure capable of responding flexibly to customer needs, and contribute to regional development; (2) as a comprehensive financial institution, rigorously fulfill our fiduciary duty, improve the quality of our financial services, and earn greater trust; and (3) continue to develop the individuality of our officers and employees, enabling each person to evolve so that our Group becomes a regional financial institution that customers genuinely need. Under the catchphrase “Never Say Never,” we will steadily implement these policies.」
A three-year plan beginning in FY2017 was formulated, with regional development, fiduciary duty and the evolution of officers and employees established as its three basic policies.