Supporting the Regional Economy through Financial Facilitation and Consulting

「Loans to individuals, including residential mortgages and consumer loans, increased as a result of expanded loan programs, including higher lending limits and longer terms, and stronger sales initiatives. Business loans remained firm as the company actively responded to demand for funds amid an expansionary trend in economic conditions in the prefecture, but declined due to seasonal factors such as repayments of construction funding. Loans to local governments also decreased. As a result, total loans in the banking and trust accounts fell by ¥20.0 billion from the end of the previous consolidated fiscal year to ¥1,992.3 billion.」

「Lending increased by ¥66.7 billion from the end of the previous consolidated fiscal year to ¥2,012.3 billion in the banking and trust accounts combined. This reflected active efforts to address rising funding demand among businesses in the prefecture amid an expanding regional economy, an increase in business lending through planned initiatives such as syndicated loans, and an increase in loans closely tied to customers' daily lives following the expansion of lending limits and terms and stronger sales efforts.」

「Although lending to local governments declined due to the repayment of temporary borrowings, business lending increased as the company actively responded to rising funding demand amid an expanding economic trend in the prefecture and strengthened its efforts related to syndicated loans and structured finance. Lending for individual housing and apartments also increased. As a result, total loans in the banking and trust accounts increased by ¥5.5 billion from the end of the previous consolidated fiscal year to ¥1,951.0 billion.」

「Okinawa Bank has strengthened its efforts in structured finance, while Okigin Lease has strengthened its project leasing activities, with the aim of participating in large-scale development projects in Okinawa.」

「Loans closely tied to customers' daily lives, including mortgages and consumer loans, increased as the company pursued rapid responses such as expedited screening and strengthened sales efforts. Business lending also remained firm as the company actively addressed rising funding demand against a backdrop of improving economic conditions in the prefecture. However, total loans in the banking and trust accounts decreased by ¥28.4 billion from the end of the previous consolidated fiscal year to ¥1,860.2 billion due to lower lending to local governments.」

「Business lending increased as principal repayments on effectively interest-free, unsecured COVID-related loans began in earnest, while support that closely accompanied customers continued and lending was actively promoted to meet funding demand accompanying the recovery in economic activity. Mortgages and apartment loans also increased as the company pursued rapid responses such as expedited screening and strengthened relationships with homebuilders. As a result, total loans in the banking and trust accounts increased by ¥17.7 billion from the end of the previous consolidated fiscal year to ¥1,802.2 billion.」

「Business lending increased as principal repayments on effectively interest-free, unsecured COVID-related loans began in earnest, while support that closely accompanied customers continued and lending was actively promoted to meet funding demand accompanying the recovery in economic activity. Loans closely tied to customers' daily lives also increased, including mortgages and apartment loans, as the company pursued rapid responses such as expedited screening and strengthened relationships with homebuilders. As a result, total loans in the banking and trust accounts increased by ¥6.5 billion from the end of the previous consolidated fiscal year to ¥1,790.9 billion.」

「Lending remained firm as mortgage lending was promoted through stronger sales of loans closely tied to customers' daily lives and business-assessment-based lending to small and medium-sized enterprises. However, corporate lending declined due to lower lending to local governments and seasonal factors such as the repayment of construction financing. As a result, total loans in the banking and trust accounts decreased by ¥17.1 billion from the end of the previous consolidated fiscal year to ¥1,767.2 billion.」

「In February 2023, we also began offering sustainable loans and contributed to the sustainable growth and development of regional communities by supporting companies working to resolve global warming and climate change issues and pursue decarbonised management.」

「Lending increased by ¥38.4 billion from the end of the previous consolidated fiscal year to ¥1,752.5 billion in the banking and trust accounts combined. This reflected the promotion of mortgage lending through stronger sales of loans closely tied to customers' daily lives, the promotion of business-assessment-based lending to small and medium-sized enterprises, and active support for small and medium-sized enterprises affected by COVID-19.」

「Lending increased by ¥25.4 billion from the end of the previous consolidated fiscal year to ¥1,739.6 billion in the banking and trust accounts combined, as mortgage lending and lending to local governments increased and business lending was promoted based on business assessments, alongside active support for companies in the prefecture during the COVID-19 pandemic.」

「Although business lending was affected by COVID-19, mortgage lending was promoted by strengthening sales of loans closely tied to customers' daily lives, and lending to small and medium-sized enterprises was promoted based on business assessments. Lending to local governments also increased. As a result, total loans in the banking and trust accounts increased by ¥2.2 billion from the end of the previous consolidated fiscal year to ¥1,716.4 billion.」

「In the non-financial sphere, Mirai Okinawa Co., Ltd. was established in June 2021 as a comprehensive services group centred on finance. Its purpose is to support regional development and revitalisation by leveraging synergies with group companies and providing core-business support, primarily by helping businesses in the prefecture expand their sales channels.」

「We recognise that support for business activities that contribute to the revitalisation of regional economies is required, including not only the provision of funds that facilitates finance and revitalises the economy by enhancing overall economic strength, but also multifaceted support through consulting functions.」