Reforming the Earnings Structure through Business Expansion and Reallocation of Management Resources
First written in FY2019. 5 of 13 entries say "Restated". Latest entry: FY2026.
84 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「The following targets have been established for the management indicators for fiscal 2027, the final year of the medium-term management plan.」
Under Phase 2, the target is to increase profit from customer services and other businesses from ¥4.01 billion in fiscal 2025 to at least ¥5 billion in fiscal 2027, and revenue from the regional value co-creation business from ¥330 million to at least ¥700 million. - FY2025AchievedAnnual report
「As a result of these initiatives, “customer services and other profit (core business profit),” a strategic target under the medium-term management plan, improved by ¥2.2 billion year on year to ¥1.9 billion, achieving the target of becoming profitable set for the final year.」
The Phase 1 target of achieving positive core operating profit under the medium-term management plan was achieved, with core operating profit reaching ¥1.9 billion in fiscal 2024. - FY2024AdvancedAnnual report
「As a result of these initiatives, “customer services and other profit (core business profit),” a strategic target, improved by ¥650 million year on year. Regarding the improvement of core business profit, identified as a management challenge, the result was ¥600 million above plan, mainly because expenses were below plan.」
The company explained that core business profit improved by ¥650 million year on year and was also ¥600 million above plan. - FY2024-Q1RestatedAnnual report
「During the 1st quarter cumulative consolidated accounting period, there were no significant changes or newly arising issues regarding the business and financial challenges that the consolidated group should address as a priority.」
The company stated that there had been no significant changes or new issues regarding priority challenges, including business expansion and the reallocation of management resources. - FY2023AdvancedAnnual report
「Regarding the improvement of core business profit, identified as a management challenge, the result was ¥700 million above plan due to higher fees and commissions income and lower-than-planned expenses.」
The company reported a ¥700 million improvement against plan in core business profit, a key challenge in its earnings structure reform, due to higher fees and commissions income and lower-than-planned expenses. - FY2022ReframedAnnual report
「Under the medium-term management plan, the bank will improve profitability by further deepening its existing businesses centered on financial intermediation and consulting, pursuing high levels of expertise, promoting structural reform, and taking appropriate risks. In parallel with deepening its existing businesses, the bank will further expand and grow its “regional value co-creation business,” which commercializes solutions to regional issues, thereby strengthening earnings in non-financial fields and working to build a new sustainable business model.」
The company reorganized the challenges of its previous earnings structure reform around deepening existing businesses, structural reform, the regional value co-creation business, and strengthening non-financial earnings under the new medium-term management plan. - FY2022-Q2RestatedAnnual report
「During the 2nd quarter cumulative consolidated accounting period, there were no significant changes or newly arising issues regarding the business and financial challenges that the consolidated group should address as a priority.」
The company stated that there had been no significant changes or new issues regarding priority challenges, including business expansion and the reallocation of management resources. - FY2021AdvancedAnnual report
「Regarding the improvement of core business profit, identified as a management challenge, the target was achieved in numerical terms because expenses were below plan, but the bank fell short in strengthening interest on loans and fees and commissions income.」
The company explained that core business profit improved in numerical terms through expense control, while the strengthening of interest on loans and fees and commissions income fell short of target. - FY2021-Q2RestatedAnnual report
「During the 2nd quarter cumulative consolidated accounting period, there were no significant changes or newly arising issues regarding the business and financial challenges that the consolidated group should address as a priority.」
The company stated that there had been no significant changes or new issues regarding priority challenges, including business expansion and the reallocation of management resources. - FY2021-Q1RestatedAnnual report
「During the 1st quarter cumulative consolidated accounting period, there were no significant changes or newly arising issues regarding the business and financial challenges that the consolidated group should address as a priority.」
The company stated that there had been no significant changes or new issues regarding the business and financial challenges requiring priority attention. - FY2020AdvancedAnnual report
「Under the current medium-term management plan, the bank has defined its primary objectives as “supporting regional economic growth and solving regional issues” and “enhancing the sustainability of the region and the bank.” It has set KPIs of responding to 1,500 business succession and M&A needs, increasing the number of start-ups and new business launches by 200, and improving the bank’s core business profit, while pursuing priority initiatives based on the following 5 management foundation strategies.」
The company translated earnings structure reform into 5 strategies: strengthening the core business starting with solutions to regional issues, group and external collaboration, establishing core competencies, reviewing the business structure, and enhancing stakeholder appeal. - FY2020-Q3RestatedAnnual report
「There have been no material changes to, or newly arising issues concerning, the business or financial matters that the consolidated company must address during the nine-month period ended December 31.」
The company stated that there had been no significant changes or new issues regarding the business and financial challenges requiring attention. - FY2019First statedAnnual report
「The bank considers the transformation to a more sustainable earnings structure through business expansion and the reallocation of management resources to be a major management challenge that it must overcome.」
In light of the prolonged low-interest-rate environment and advances in digital technology, the company newly set out a direction for transforming its earnings structure by expanding its business areas, reallocating management resources, and creating management resources available for reinvestment through productivity improvements.