Enhancing the Quality of Financial Intermediation and Pursuing Customer-Oriented Services
First written in FY2017. 10 of 11 entries say "Advanced", first in FY2018. Latest entry: FY2026.
The whole theme swung hardest in 2018: 2 of 8 companies on the "Worse" side.
4 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「Loans increased by ¥116.4 billion during the fiscal year, as lending to corporations, individuals, and local governments all increased, bringing the balance at fiscal year-end to ¥2,314.1 billion.」
Loans increased by ¥116.4 billion through the development of our front-line structure, sales activities, and provision of comprehensive solutions using Group company capabilities. Lending to corporations increased by ¥58.0 billion, and lending to small and medium-sized enterprises increased by ¥70.0 billion. - FY2026-H1AdvancedAnnual report
「Loans increased by ¥34.9 billion from the end of the previous fiscal year to ¥2,232.5 billion, mainly because lending to corporations increased.」
Loans increased by ¥34.9 billion from the end of the previous fiscal year as a result of growth in lending to corporations. This updated the results of the financial intermediation function based on understanding customers' businesses. - FY2024AdvancedAnnual report
「Loans increased by ¥80.3 billion during the fiscal year, reflecting growth in lending to small and medium-sized enterprises and individuals, particularly housing loans. During the fiscal year, we established a dedicated department responsible on an end-to-end basis for planning, promotion, management, and human resource development to strengthen structured finance.」
Loans increased by ¥80.3 billion through customer support based on understanding customers' businesses, as well as through the dedicated structured finance department and decarbonization and sustainable loans. - FY2023AdvancedAnnual report
「Through understanding customers' businesses, including their business activities and growth potential, and identifying management issues and proposing solutions, we will pursue lending that does not depend on guarantees or collateral. We will also further strengthen comprehensive solutions by making use of Group company capabilities and deepening cooperation with external businesses and organizations, thereby addressing customers' increasingly diverse and complex needs.」
Support for customers' core businesses through an understanding of their businesses was given concrete form through lending that does not depend on guarantees or collateral, cooperation with Group companies and external organizations, and comprehensive solutions. The cumulative number of customers receiving business succession and M&A support under the previous medium-term management plan reached 2,723, achieving the target of 2,400. - FY2022AdvancedAnnual report
「After understanding the actual circumstances of our business partners, we will provide core-business support, management improvement support, and financial support promptly and appropriately, further mobilizing the full strength of the Group to help resolve the various issues they face.」
Based on understanding customers' businesses, we strengthened core-business support, management improvement support, and financial support. The number of customers receiving business succession and M&A support reached 1,856 in FY2021, achieving the target of 1,800, and the target for FY2022 was set at 2,400. - FY2021AdvancedAnnual report
「Specifically, we make understanding customers' businesses the foundation of our efforts to solve their problems. We identify and analyze the current status and issues of our business partners, appropriately understand their business activities and growth potential, and provide support to enhance corporate value. In addition to supporting financing, including lending, we are strengthening initiatives for business succession, M&A, and management improvement, centered on Iwagin Consulting Co., Ltd., to help resolve issues such as securing local employment and preserving technical capabilities and brands.」
Based on understanding customers' businesses, we advanced financing, business succession and M&A, management improvement, and sales-channel development. The number of customers receiving business succession and M&A support reached 1,218 in FY2020, achieving the target of 1,200. - FY2020AdvancedAnnual report
「Under the medium-term management plan, we have established four key numerical targets: consolidated net income as a profitability indicator, the OHR as an efficiency indicator, the consolidated capital adequacy ratio as a management soundness indicator, and the number of customers receiving M&A and business succession support as a challenging indicator for actively addressing regional issues and achieving CSV.」
The number of customers receiving M&A and business succession support in FY2019 was 618, achieving the target of 600. The initiatives gave concrete form to understanding customers' businesses, providing funds, arranging funds, developing sales channels, and supporting business succession and M&A. - FY2018AdvancedAnnual report
「The Bank is advancing “understanding the business,” an initiative to strengthen the regional economy and industries by recognizing and analyzing customers’ current circumstances and issues, evaluating their business activities and growth potential, and supporting efforts to enhance corporate value.」
Customer-focused financial intermediation was given concrete form through an understanding of customers' businesses, business matching, business succession, core-business support, and financial support advice. - FY2017First statedAnnual report
「We intend to improve the quality of our financial intermediation function by expanding lending to local small and medium-sized enterprises and individuals, strongly promoting regional revitalization and disaster recovery, and pursuing customer-focused services and functions.」
Expansion of lending, regional revitalization and disaster recovery, and customer-focused services are presented together as efforts to improve the quality of the financial intermediation function.