Allocation of management resources to the five core businesses
First written in FY2016. 6 of 11 entries say "Advanced", first in FY2021. Latest entry: FY2026.
No other company in this theme has enough history to compare yet.
- FY2026AdvancedAnnual report
「In addition to the existing 4 profit centres, we will position the “Alliance Business” as the fifth revenue growth area.」
The organization of management resource allocation and the business platform was expanded from 4 to 5 profit centers, incorporating the alliance business as a new earnings growth area. - 2026-04-24RaisedManagement Planning
「In addition to the existing four profit centers, we will position the alliance business as a fifth area of revenue growth.」
The company expanded from four autonomous profit centers to five revenue-growth areas by adding the alliance business. - FY2025AdvancedAnnual report
「Under the "Community Bank" model, financial advisers serving each area in the Company's home prefectures of Shizuoka and Kanagawa are each responsible for 100 customers. They are implementing initiatives to help customers build assets, including the "100-Person Program," a communication initiative under which advisers deepen their understanding of each customer's concerns and make optimal proposals to resolve them, while working closely with customers to build high-quality, long-term relationships.」
As specific measures for allocating management resources, the Company cited the Community Bank's 100-Person Program, the Direct Bank's branchless services, consulting by the Metropolitan Area and Wide-Area Bank, and diversified investment by the Market Finance Division. - FY2024AdvancedAnnual report
「The Company will counter the decline in the top line accompanying the collection of existing receivables through "3 initiatives: growth in new-business gross profit through 4 autonomous profit centers, cost-structure reform, and stabilization of net credit costs at a low level through improved asset quality," thereby shifting to an earnings structure capable of achieving sustainable growth.」
The previous policies for structural reform, new-business earnings, and improved asset quality were reorganized into 3 initiatives: 4 autonomous profit centers, growth in new-business gross profit, cost-structure reform, and stabilization of net credit costs. In FY2023, new-business gross profit was ¥11.3 billion, expenses were ¥35.1 billion, and the net credit cost ratio was negative 9 bps. - FY2023AdvancedAnnual report
「The Company will counter the decline in the top line accompanying the collection of existing receivables through "3 initiatives: growth in new-business earnings through organizational restructuring, cost-structure reform, and stabilization of credit costs at a low level through improved asset quality," thereby shifting to an earnings structure capable of achieving sustainable growth.」
The allocation of management resources and structural reforms were made more concrete through 3 initiatives: organizational restructuring, growth in new-business earnings, cost-structure reform, and improved asset quality. - FY2022AdvancedAnnual report
「To evolve toward a solution-based sales model, the Company subdivided its organization in Shizuoka and Kanagawa prefectures from 8 areas to 30 areas so that it could provide more detailed responses tailored to customers' needs and regional characteristics. It will also further improve operational efficiency by centralizing branch back-office operations at headquarters and introducing digitalization, including DX, thereby both expanding the time available for customer-focused service and reducing operating and branch-management costs to achieve structural reforms.」
The Company made structural reforms more concrete by subdividing its organization from 8 areas to 30, centralizing back-office operations at headquarters, and improving operational efficiency through DX. - FY2021AdvancedAnnual report
「The Company will implement initiatives including "reforming branch operations," "reallocating human resources," and "reviewing group functions," and optimize management resources to establish a business platform for advancing its new management strategy. In FY2022, the Company expects expenses to decline by approximately 15% compared with FY2018.」
The previous framework of allocating resources to 5 core businesses has been made more concrete as structural reforms through branch operations reform, human-resource reallocation, and a review of group functions. The Company expects expenses in FY2022 to decline by approximately 15% from FY2018. - FY2020ReframedAnnual report
「In Phase 1, the Company will add new perspectives to its proprietary infrastructure and expertise to build retail banking with medium risk and medium return, while keeping risk lower than before.」
The strategic focus has shifted from allocating resources to 5 core businesses to building retail banking with medium risk and medium return while keeping risk lower. - FY2019ReframedAnnual report
「The Company will continue working to build a business model centered on retail operations that meets customers' needs.」
The focus of the description has shifted from the previous allocation of management resources to 5 core businesses to building a customer-needs-oriented business model centered on retail operations. - FY2017ReframedAnnual report
「Under this vision, the Company will efficiently allocate management resources to 5 core businesses, namely the personal loan business, housing loan business, asset custody business, life support business, and small and mid-sized corporate business, while further expanding its sales platform and providing more convenient products and services.」
Among the 5 core businesses, the former "free loan business" is described as the "personal loan business." - FY2016First statedAnnual report
「Under this vision, the Company will efficiently allocate management resources to 5 core businesses, namely the free loan business, housing loan business, asset custody business, life support business, and small and mid-sized corporate business, while further expanding its sales platform and providing more convenient products and services.」
The Company identified free loans, housing loans, asset custody, life support, and small and mid-sized corporates as its core businesses.