From the “Best Consultant” for Local Customers to a “Consulting Bank”
First written in FY2016. 22 of 31 entries say "Restated". Latest entry: FY2026.
5 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「As a result, performance against the target management indicators set out in the medium-term management plan covering April 2025 to March 2028 was steady.」
As the first-year results of the new medium-term management plan, we disclosed consolidated net income of ¥8.6 billion, consolidated common stock ROE of 5.1%, consolidated common stock RORA of 0.4%, non-consolidated core OHR of 65.9%, a consolidated capital adequacy ratio of 9.14% and a preferred share issuance ratio of 23.6%, demonstrating progress towards the targets for the fiscal year ending March 2028. - 2026-05-29RestatedGeneral Meetings of Shareholders
「As a specific strategy for achieving our purpose and long-term management vision, we launched the new medium-term management plan “幸せデザイン 絆プロジェクト 2028 ～ Path to Evolution ～” in April of the same year and have actively rolled out various initiatives.」
The business report reaffirmed the rollout of initiatives under the medium-term management plan “幸せデザイン 絆プロジェクト2028.” - FY2026-H1RestatedAnnual report
「In addition, as a specific strategy for achieving our purpose and long-term management vision, we launched the new medium-term management plan “Happiness Design Kizuna Project 2028: Path to Evolution” and have actively rolled out various initiatives.」
Initiatives under the medium-term management plan “Happiness Design Kizuna Project 2028,” launched in April 2025, continue to be rolled out. - FY2025ReframedAnnual report
「In addition, as a specific strategy for achieving our purpose and long-term management vision, we formulated a new medium-term management plan, “Happiness Design Kizuna Project 2028: Path to Evolution,” beginning in April 2025.」
Following the final year of the medium-term management plan “Happiness Design Kizuna Project 2025,” the plan framework was updated to “Happiness Design Kizuna Project 2028,” beginning in April 2025. For the fiscal year ending March 2028, targets are consolidated net income of at least ¥11.0 billion, consolidated common stock ROE of at least 7%, consolidated common stock RORA of at least 0.5%, non-consolidated core OHR below 65%, a consolidated capital adequacy ratio of at least 8.5% and a preferred share issuance ratio below 20%. - FY2025-H1RestatedAnnual report
「To achieve this, under the medium-term management plan “Happiness Design Kizuna Project 2025: First Stage toward Establishing the CKB Community,” launched in April 2022, we have actively rolled out various initiatives.」
Initiatives under the medium-term management plan “Happiness Design Kizuna Project 2025” continue to be rolled out. - FY2024-Q3RestatedAnnual report
「Against this financial and economic backdrop, we have actively rolled out various initiatives aimed at achieving the medium-term management plan “Happiness Design Kizuna Project 2025: First Stage toward Establishing the CKB Community.”」
Initiatives aimed at achieving the medium-term management plan “Happiness Design Kizuna Project 2025” continue to be rolled out. - FY2024-Q2RestatedAnnual report
「To achieve this, we launched the medium-term management plan “Happiness Design Kizuna Project 2025: First Stage toward Establishing the CKB Community” in April 2022 and have actively rolled out various initiatives.」
The medium-term management plan launched in April 2022 and the rollout of various initiatives aimed at establishing the CKB Community continue. - FY2024-Q1RestatedAnnual report
「Against this management backdrop, we have actively rolled out various initiatives under the medium-term management plan “Happiness Design Kizuna Project 2025: First Stage toward Establishing the CKB Community,” launched in April 2022.」
Initiatives under the medium-term management plan “Happiness Design Kizuna Project 2025,” launched in April 2022, continue to be rolled out. - FY2023-Q3RestatedAnnual report
「Against this financial and economic backdrop, we launched the 3-year medium-term management plan “Happiness Design Kizuna Project 2025: First Stage toward Establishing the CKB Community” from this fiscal year and have actively rolled out various initiatives.」
“Happiness Design Kizuna Project 2025” continues as a 3-year medium-term management plan, with various initiatives aimed at establishing the CKB Community being rolled out. - FY2023-Q2RestatedAnnual report
「Against this financial and economic backdrop, we launched the 3-year medium-term management plan “Happiness Design Kizuna Project 2025: First Stage toward Establishing the CKB Community” from this fiscal year and have actively rolled out various initiatives.」
“Happiness Design Kizuna Project 2025” continues as a 3-year medium-term management plan, with various initiatives being rolled out. - FY2023-Q1RestatedAnnual report
「Against this management backdrop, we have actively rolled out various initiatives under the new medium-term management plan “Happiness Design Kizuna Project 2025: First Stage toward Establishing the CKB Community,” launched in April 2022.」
Initiatives under the new medium-term management plan “Happiness Design Kizuna Project 2025,” launched in April 2022, continue to be rolled out. - FY2022ReframedAnnual report
「We established the long-term management vision, “Continuing to design happiness together with everyone as a kind partner,” to express our aim of continuing to work alongside customers towards achieving their happiness through “consulting action,” which means always thinking and acting as a kind partner to customers.」
The former expressions, “A bank that continues to be chosen and is indispensable to the community and customers,” and “consulting bank,” have been restructured into a new long-term management vision and a 3-year medium-term management plan beginning in April 2022. Targets for the fiscal year ending March 2025 are net income of ¥6.7 billion, core OHR of 69%, ROE of 4%, a capital adequacy ratio in the mid-8% range and a preferred share issuance ratio of 30%. - FY2022-Q2RestatedAnnual report
「Against this management backdrop, under the final-year medium-term management plan “Consulting Action Project 2022: Closer. Deeper. Together toward the future,” we have worked on various initiatives aimed at the bank's 70th anniversary in March 2022.」
The statement is restated that the medium-term management plan is in its final year and that initiatives aimed at the bank's 70th anniversary in March 2022 are being rolled out. - FY2022-Q1AdvancedAnnual report
「Under the final-year medium-term management plan “Consulting Action Project 2022: Closer. Deeper. Together toward the future,” we have worked on various initiatives aimed at the bank's 70th anniversary in March 2022.」
The medium-term management plan “Consulting Action Project 2022” has entered its final year, and initiatives aimed at the bank's 70th anniversary in March 2022 are being advanced. - FY2021-Q3RestatedAnnual report
「Against this economic backdrop, we have actively rolled out various initiatives under the medium-term management plan “Consulting Action Project 2022: Closer. Deeper. Together toward the future,” launched in April 2019.」
Initiatives under the medium-term management plan “Consulting Action Project 2022” continue to be rolled out, with no material change in the desired future state or the plan's framework. - FY2021-Q2RestatedAnnual report
「Against this financial and economic backdrop, we have actively rolled out various initiatives under the medium-term management plan “Consulting Action Project 2022: Closer. Deeper. Together toward the future,” launched in April 2019.」
Initiatives under the medium-term management plan “Consulting Action Project 2022” continue to be rolled out. - FY2021-Q1RestatedAnnual report
「Under the medium-term management plan “Consulting Action Project 2022: Closer. Deeper. Together toward the future,” launched in April 2019, we have rolled out various initiatives.」
Initiatives under “Consulting Action Project 2022” continue to be rolled out, with no material change in the plan's framework. - FY2020-Q3RestatedAnnual report
「Against this management backdrop, we have actively rolled out various specific initiatives under the medium-term management plan “Consulting Action Project 2022: Closer. Deeper. Together toward the future,” launched in April 2019.」
Initiatives under the medium-term management plan launched in April 2019 continue to be rolled out, with no material change in the plan's targets or framework. - FY2020-Q2RestatedAnnual report
「Against this financial and economic backdrop, we have actively rolled out various initiatives under the new medium-term management plan “Consulting Action Project 2022: Closer. Deeper. Together toward the future,” launched in April 2019.」
The new medium-term management plan launched in April 2019 and the rollout of initiatives under the plan continue to be upheld. - FY2020-Q1ReframedAnnual report
「Against this management backdrop, we have actively rolled out various initiatives under the new medium-term management plan “Consulting Action Project 2022: Closer. Deeper. Together toward the future,” launched in April 2019.」
The plan framework moved from “Consulting Action Project 2019,” which entered its final year, to the new medium-term management plan “Consulting Action Project 2022,” which began in April 2019. - FY2019-Q3RestatedAnnual report
「Against this management backdrop, we have rolled out various initiatives aimed at achieving “Establishing a consulting bank,” the objective set out in the final year of the medium-term management plan “Consulting Action Project 2019.”」
With the medium-term management plan in its final year, initiatives aimed at “Establishing a consulting bank” continue to be rolled out. - FY2019-Q2AdvancedAnnual report
「Against this financial and economic backdrop, we have rolled out various initiatives aimed at achieving “Establishing a consulting bank,” the objective set out in the final year of the medium-term management plan “Consulting Action Project 2019.”」
The medium-term management plan has entered its final year, and initiatives aimed at “Establishing a consulting bank” continue to be rolled out. - FY2019-Q1RestatedAnnual report
「Under the medium-term management plan “Consulting Action Project 2019,” launched in April 2016, we have actively rolled out various specific initiatives.」
Initiatives under “Consulting Action Project 2019” continue to be rolled out, with no material change in the plan aimed at establishing a consulting bank. - FY2018AdvancedAnnual report
「For the fiscal year ended March 2018, all target management indicators showed steady growth, and we recognise that progress was broadly in line with the plan.」
For the second year of the medium-term management plan, actual results were deposits outstanding of ¥2,449.3 billion, loans outstanding of ¥2,056.2 billion, net income of ¥6.2 billion, common stock ROE of 5.13% and a fee income ratio of 29.2%, demonstrating progress towards the targets for the fiscal year ending March 2019. - FY2018-Q3RestatedAnnual report
「Against this management backdrop, we have actively rolled out various specific initiatives under the medium-term management plan “Consulting Action Project 2019,” launched in April 2016.」
Initiatives under “Consulting Action Project 2019” continue to be rolled out, with no material change in the framework of the plan aimed at “Establishing a consulting bank.” - FY2018-Q2RestatedAnnual report
「Against this management backdrop, we have actively rolled out various specific initiatives under the medium-term management plan “Consulting Action Project 2019,” launched in April 2016.」
Initiatives under “Consulting Action Project 2019” continue to be rolled out, with no material change in the framework of the plan aimed at “Establishing a consulting bank.” - FY2018-Q1RestatedAnnual report
「Against this management backdrop, we have actively rolled out various specific initiatives under the medium-term management plan “Consulting Action Project 2019,” launched in April 2016.」
Initiatives under “Consulting Action Project 2019” continue to be rolled out, with no material change in the plan's positioning as a plan aimed at “Establishing a consulting bank.” - FY2017Quantified targets specifiedAnnual report
「3 [Management targets (fiscal year ending March 2019)] Deposits outstanding ¥2,560 billion Loans outstanding ¥2,140 billion Net income ¥6.5 billion Common stock ROE 5.0% Fee income ratio 30%」
The targets for the fiscal year ending March 2019 aimed at “Establishing a consulting bank” were quantified for deposits, loans, profit, ROE and the fee income ratio. - FY2017-Q3RestatedAnnual report
「Against this management backdrop, in April 2016 we launched the new medium-term management plan, “Consulting Action Project 2019,” and have worked on various initiatives.」
“Consulting Action Project 2019” continues to be implemented. - FY2017-Q2RestatedAnnual report
「Against this management backdrop, in April 2016 we launched a new medium-term management plan, “Consulting Action Project 2019,” and have worked on various initiatives.」
The new medium-term management plan aimed at “Establishing a consulting bank” continues to be implemented. - FY2016First statedAnnual report
「We have positioned the next 3 years as the stage for achieving “Establishing a consulting bank,” our bank's desired future state.」
The new medium-term management plan sets out the former long-term vision, “The community's best consultant for its customers,” as “Establishing a consulting bank.”