Providing Solution Services Through Group Collaboration

「Ordinary income increased by ¥2,820 million year on year to ¥19,855 million, mainly because interest on loans increased as the company actively responded to stronger demand for funds against a backdrop of higher loan yields and favorable economic conditions in the prefecture. This was complemented by higher interest and dividends on securities and increased top-line revenue from the consolidated Group companies, among other factors.」

「Ordinary income increased by ¥11.661 billion year on year to ¥70.417 billion, due to higher core operating income, including increased interest on loans resulting from higher loan yields and increased loan balances against the backdrop of improving economic conditions in the prefecture, higher interest and dividends on securities, and higher top-line revenue at consolidated group companies, as well as an increase in gains on sales of shares.」

「Ordinary income increased as core operating income rose, including higher interest on loans resulting from higher loan yields against the backdrop of policy rate hikes and an increase in loan balances associated with a proactive response to funding demand amid the ongoing expansion of economic conditions in the prefecture, as well as higher interest and dividends on securities, higher fees and commissions, and higher other operating income from group companies.」

「Ordinary income increased by ¥5.183 billion year on year to ¥58.756 billion, due to higher core operating income, including increased interest on loans resulting from continued proactive efforts to meet funding demand, higher interest and dividends on securities, and higher fees and commissions from group collaboration and sales promotion.」

「Ordinary income increased by ¥684 million year on year to ¥28.348 billion, due to higher core operating income, including increased interest on loans resulting from continued proactive efforts to meet funding demand accompanying the recovery in economic activity, higher interest and dividends on securities, and higher fees and commissions from group collaboration and sales promotion, as well as an increase in gains on sales of shares.」

「Ordinary income increased by ¥1.272 billion year on year to ¥40.655 billion, as an increase in income from core operations, including higher interest on loans resulting from our proactive response to funding demand accompanying the recovery in economic activity and higher fees and commissions from group collaboration and sales promotion, together with increases in gains on sales of bonds, including government bonds, and gains on sales of shares, outweighed the decrease in interest and dividends on securities.」

「Ordinary income increased by ¥640 million year on year to ¥27.664 billion, as an increase in income from core operations, including higher interest on loans resulting from our proactive response to funding demand accompanying the recovery in economic activity and higher fees and commissions from group collaboration and sales promotion, together with increases in gains on sales of bonds, including government bonds, and gains on sales of shares, outweighed decreases in other operating income and interest and dividends on securities.」

「During the fiscal year, we strengthened proposals for various problem-solving solutions, starting with strategy meetings to identify customers' challenges. As a result, business loans and business matching performed well.」

「In financial services, to propose optimal solutions tailored to customer needs, we assigned group-company liaison officers to each area and worked to strengthen collaboration. We also deepened mutual understanding by holding regular study sessions with group companies, strengthened referrals between group companies and otherwise intensified efforts to increase the top line of each company.」

「Providing solutions through collaboration across the group」