Support for Business Succession, M&A and Overseas Expansion through Sales Focused on Management Issues
First written in FY2017-Q1. 9 of 17 entries say "Advanced", first in FY2018. Latest entry: FY2026.
The whole theme swung hardest in 2021: 5 of 25 companies on the "Worse" side.
17 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「To address the regional challenges of labor shortages and promoting digital transformation, the Bank established the wholly owned subsidiary “Toho IT Human Solutions Co., Ltd. (TIH)” in July 2025 and began providing IT consulting and system implementation support. In April 2026, the Bank transferred its human-resources solutions business to TIH, strengthening a structure that provides recruitment and development support on a one-stop basis and working to improve the productivity of regional companies and resolve their human-resources challenges.」
The Bank expanded its previous sales and consulting approach into an integrated structure providing IT consulting, system implementation, recruitment and employee-development support. - FY2024AdvancedAnnual report
「To deepen existing consulting operations, we expanded business succession and M&A support through the establishment of Toho Consulting Partners and began relationship-based management consulting through the Toho Regional Research Institute. To explore new consulting services, we also began helping customers formulate management plans and personnel systems and assisting with applications for subsidies, thereby working to expand our consulting services.」
The service offering expanded beyond business succession and M&A support to relationship-based management consulting, management-plan and personnel-system development, and subsidy-application support. - FY2023-Q2AdvancedAnnual report
「The Bank also established the wholly owned subsidiary “Toho Consulting Partners Co., Ltd.” on 2 August 2022. As a result, the Toho Bank Group consists of the Bank and eight consolidated subsidiaries.」
The wholly owned consulting subsidiary responsible for business succession and M&A support was established and became a consolidated subsidiary from the second quarter of the current fiscal year. - FY2023-Q1AdvancedAnnual report
「At a meeting of the Board of Directors held on 13 May 2022, the Bank resolved to establish a wholly owned consulting subsidiary, which was established on 2 August 2022.」
The Bank resolved to establish a wholly owned consulting subsidiary to provide business succession and M&A support, and established it on 2 August 2022. It was scheduled to commence operations on 4 October 2022. - FY2022-Q3AdvancedAnnual report
「Ordinary income increased by ¥818 million year on year to ¥44,838 million, mainly because interest and dividends on securities and fees and commissions increased as consulting sales were strengthened.」
Higher fees and commissions from stronger consulting sales continued to be identified as a factor behind the increase in ordinary income. - FY2022-Q2AdvancedAnnual report
「Ordinary income increased by ¥847 million year on year to ¥29,907 million, mainly because interest and dividends on securities and fees and commissions increased as consulting sales were strengthened.」
The filing specifically identifies higher fees and commissions from stronger consulting sales as a contributor to the increase in ordinary income. - FY2021AdvancedAnnual report
「The Bank will contribute to the development of the regional economy by addressing the challenges facing regional society, supporting the region to the fullest and further strengthening initiatives such as “strengthening support for customers during COVID-19 and actively exercising our financial intermediation function,” “strengthening consulting capabilities for corporate and individual customers,” and “management improvement support through the After COVID/With COVID Project.”」
The previous sales approach focused on management issues was given concrete form through stronger consulting capabilities for corporate and individual customers and management improvement support under the After COVID/With COVID Project. - FY2021-Q1RestatedAnnual report
「Although the environment surrounding financial institutions remains challenging, we will continue working to expand loans and fees and commissions, including income from assets under custody, while pursuing Group-wide cost reductions.」
The Bank reaffirmed its policy of expanding fees and commissions, including income from loans and assets under custody, and reducing costs across the Bank. - FY2020Corporate-related fees decreasedAnnual report
「Fees and commissions decreased by ¥1,472 million from the previous consolidated fiscal year to ¥9,595 million, mainly because corporate-related fees declined.」
Fees and commissions, including corporate-related fees associated with sales focused on management issues, decreased by ¥1,472 million year on year. - FY2020-Q3RestatedAnnual report
「Although the environment surrounding financial institutions remains challenging, we will continue working to expand loans and fees and commissions, including income from assets under custody, while pursuing Group-wide cost reductions.」
The Bank reaffirmed its earnings-enhancement policy of expanding loans and fees and commissions and reducing costs across the Bank. - FY2020-Q2RestatedAnnual report
「Although the environment surrounding financial institutions remains challenging, we will continue working to expand loans and fees and commissions while pursuing Group-wide cost reductions.」
The Bank reaffirmed its earnings-enhancement policy of expanding loans and fees and commissions and reducing costs across the Bank. - FY2020-Q1RestatedAnnual report
「Although the environment surrounding financial institutions remains challenging, we will continue working to expand loans and fees and commissions, including income from assets under custody, while pursuing Group-wide cost reductions.」
The Bank reaffirmed its policy of expanding fees and commissions, including income from loans and assets under custody, and reducing costs across the Bank. - FY2019RestatedAnnual report
「Although the environment surrounding financial institutions remains challenging, we will continue working to expand loans and fees and commissions, including income from assets under custody, while pursuing Group-wide cost reductions.」
The Bank continued its policy of strengthening earnings through growth in loans, assets under custody and fees and commissions through a solutions-based approach. - FY2019-Q1AdvancedAnnual report
「“Adjusted core operating profit,” the core profit at the heart of operations, increased by ¥12 million year on year to ¥2,667 million, mainly because fees and commissions, particularly corporate-related fees, increased, other operating income increased, and expenses declined through cost-reduction efforts and business process reform (BPR).」
Adjusted core operating profit increased by ¥12 million year on year, mainly because fees and commissions, particularly corporate-related fees, increased as sales focused on management issues expanded. - FY2018AdvancedAnnual report
「“Adjusted core operating profit,” the core profit at the heart of operations, increased by ¥2.0 billion year on year to ¥11.2 billion, mainly because fees and commissions increased as corporate-related fees grew with the rollout of sales focused on management issues, other operating income excluding gains and losses on government and other bonds and financial derivatives increased as Group companies performed steadily, and expenses declined through cost-reduction efforts and business process reform (BPR).」
The rollout of sales focused on management issues increased corporate-related fees and other fees and commissions, contributing to a ¥2.0 billion increase in adjusted core operating profit. - FY2018-Q2RestatedAnnual report
「Affiliate not accounted for under the equity method: 1 company Company name: Toho Business Succession Investment Limited Partnership」
An investment limited partnership focused on business succession was disclosed as an affiliate. - FY2017-Q1First statedAnnual report
「Through the rollout of sales focused on management issues, we actively worked to resolve customers’ management challenges, including business succession, M&A and overseas expansion. In particular, our M&A activities received the “Regional Contribution Grand Prize” from Nihon M&A Center Inc., and we were recognized for three consecutive years beginning in 2014.」
The Bank adopted a sales approach centered on customers’ management challenges and reported three consecutive years of recognition for M&A activities beginning in 2014.