Supporting SME Growth through Business Viability Assessments and Core Business Support

「Loans increased by ¥3 billion from the end of the previous fiscal year to ¥14.0854 trillion, as we proactively responded to customers’ borrowing needs.」

「For corporate customers, the bank sought to be trusted by customers in every area as a management partner, working closely with each company to provide smooth access to financing in response to changes in the interest-rate environment and support for core businesses. It also advanced and enhanced its consulting services to help resolve a range of management issues, including DX, GX, labor shortages and business succession, and to improve productivity.」

「Loans increased by ¥899.1 billion from the end of the previous fiscal year to ¥14.0823 trillion, mainly due to our proactive response to borrowing needs among both corporate and individual customers, particularly small and medium-sized enterprises.」

「Loans increased by ¥571.0 billion from the previous fiscal year-end to ¥13.7542 trillion, reflecting the bank’s proactive response to customers’ borrowing needs.」

「Loans increased by ¥461.3 billion from the previous fiscal year-end to ¥13.1831 trillion, mainly in lending to small and medium-sized enterprises, as the bank proactively responded to borrowing needs among both corporate and individual customers.」

「Loans increased by ¥276.4 billion from the previous fiscal year-end to ¥12.9982 trillion, reflecting the bank’s proactive response to customers’ borrowing needs.」

「For corporate customers, the bank continued in-depth dialogue as a management partner, identified their underlying management issues, and focused on providing smooth access to financing, support for their core businesses and hands-on support for business restructuring. In particular, it strengthened its advisory services for addressing a range of management issues and its ICT consulting services to support customers’ digital transformation. It also actively pursued consulting related to business succession and M&A by identifying management succession needs from a long-term perspective.」

「Loans increased by ¥549.9 billion from the previous fiscal year-end to ¥12.6570 trillion, reflecting the bank’s proactive response to customers’ borrowing needs.」

「Loans increased by ¥368.8 billion from the previous fiscal year-end to ¥12.4759 trillion, reflecting the bank’s proactive response to customers’ borrowing needs.」

「Loans increased by ¥152.8 billion from the previous fiscal year-end to ¥12.2599 trillion, reflecting the bank’s proactive response to customers’ borrowing needs.」

「For corporate customers, the bank continued in-depth dialogue as a long-term management partner, identified their underlying management issues, and actively worked to provide smooth access to financing, support for their core businesses and hands-on support for business restructuring. In particular, it focused on advisory services, which provide consulting to address a range of management issues, and ICT consulting services, which support customers’ digital transformation.」

「Loans increased by ¥348.7 billion from the previous fiscal year-end to ¥11.9954 trillion, reflecting the bank’s proactive response to customers’ borrowing needs.」

「Loans increased by ¥241.3 billion from the previous fiscal year-end to ¥11.8880 trillion, reflecting the bank’s proactive response to customers’ borrowing needs.」

「Loans increased by ¥141.3 billion from the previous fiscal year-end to ¥11.7881 trillion, reflecting the bank’s proactive response to customers’ borrowing needs.」

「For corporate customers, the bank focused on providing smooth access to financing, support for their core businesses and hands-on support for business restructuring as a long-term management partner. In particular, it focused on advisory services, which provide consulting to address management issues, and ICT consulting services, which support customers’ digital transformation and were newly launched in April last year. In addition, the bank established the Business Succession Consulting Department last June as a dedicated department for management succession, and worked to enhance its ability to respond to needs related to business succession and M&A.」

「Loans increased by ¥341.6 billion from the previous fiscal year-end to ¥11.5080 trillion, reflecting the bank’s proactive response to customers’ borrowing needs.」

「Loans increased by ¥311.2 billion from the end of the previous fiscal year to ¥11.4775 trillion as we actively responded to customers' borrowing needs.」

「Loans increased by ¥245.8 billion from the end of the previous fiscal year to ¥11.4121 trillion as we actively responded to customers' borrowing needs.」

「For corporate customers, we worked as a group to provide loans based on assessments of business potential and support for core businesses as a long-term partner. In particular, we strengthened advisory services, which provide consulting services to help resolve management issues, and personnel placement services provided through our group company ちばぎんキャリアサービス株式会社.」

「Loans increased by ¥465.9 billion from the end of the previous fiscal year to ¥11.0316 trillion as we actively responded to customers' borrowing needs.」

「Loans increased by ¥346.7 billion from the end of the previous fiscal year to ¥10.9124 trillion as we actively responded to customers' borrowing needs.」

「Loans increased by ¥236.1 billion from the end of the previous fiscal year to ¥10.8018 trillion as we actively responded to customers' borrowing needs.」

「In our business operations, we actively provided loans based on assessments of business potential and support for core businesses to promote the growth of small and medium-sized enterprises that underpin the region's industries. We focused on advisory services, which provide consulting services to help resolve customers' management issues, and launched personnel placement services through our group company ちばぎんキャリアサービス株式会社, as well as the ＴＳＵＢＡＳＡちばぎんキャッシュレス加盟店サービス, which provides comprehensive support for cashless payments at merchant locations.」

「Loans increased by ¥495.5 billion from the end of the previous fiscal year to ¥10.5856 trillion as we actively responded to customers' borrowing needs.」

「Loans increased by ¥413.3 billion from the end of the previous fiscal year to ¥10.5034 trillion as we actively responded to customers' borrowing needs.」

「Loans increased by ¥289.7 billion from the end of the previous fiscal year to ¥10.3798 trillion as we actively responded to customers' borrowing needs.」

「To strengthen consulting services aimed at resolving customers' management issues, we launched new advisory services and prepared the necessary framework to launch personnel placement services through our group company ちばぎんキャリアサービス株式会社.」

「Loans increased by ¥320.8 billion from the end of the previous fiscal year to ¥10.0957 trillion, mainly through lending to small and medium-sized enterprises, as we actively responded to customers' borrowing needs.」

「Loans increased by ¥175.8 billion from the end of the previous fiscal year to ¥9.9507 trillion, mainly through lending to small and medium-sized enterprises, as we actively responded to customers' borrowing needs.」

「Loans increased by ¥78.0 billion from the end of the previous fiscal year to ¥9.8529 trillion, mainly because of the response to customers' borrowing needs, particularly consumer loans.」

「We also actively provided loans based on assessments of business potential and support for core businesses to promote the growth of small and medium-sized enterprises that underpin the region's industries. We held various business-matching events and seminars to help customers expand sales channels and enter overseas markets, and supported startups and new businesses through initiatives including the Regional Revitalization Lending Program.」

「Loans increased by ¥416.7 billion from the end of the previous fiscal year to ¥9.6856 trillion as we actively responded to customers' borrowing needs.」

「Loans increased by ¥257.0 billion from the end of the previous fiscal year to ¥9.5259 trillion as we actively responded to customers' borrowing needs.」

「Loans increased by ¥149.4 billion from the end of the previous fiscal year to ¥9.4182 trillion at the end of the first quarter of the current fiscal year, as we actively responded to borrowing needs among both corporate and individual customers.」

「We also actively provided loans based on assessments of business potential and support for core businesses to promote the growth of small and medium-sized enterprises that underpin the region's industries. We held various business-matching events and seminars to help customers expand sales channels and enter overseas markets, and supported startups and new businesses through initiatives including the Regional Revitalization Lending Program. To communicate these initiatives widely to customers, in February this year we published on our website the status of our initiatives to support customers' core businesses using the benchmarks for financial intermediation functions.」

「Loans increased by ¥396.1 billion from the end of the previous fiscal year to ¥9.1653 trillion at the end of the third quarter of the current fiscal year, as we actively responded to borrowing needs among both corporate and individual customers.」

「Loans increased by ¥191.0 billion from the end of the previous fiscal year to ¥8.9601 trillion at the end of the second quarter of the current fiscal year, as we actively responded to borrowing needs among both corporate and individual customers.」

「To support the growth of small and medium-sized enterprises that underpin the region's industries, we are actively providing loans based on assessments of business potential, as well as support for customers' core businesses.」