Building a Sound and Efficient Framework
First written in FY2016. 17 of 27 entries say "Advanced", first in FY2019-Q1. Latest entry: FY2026.
2 other companies' latest entry also says "Other".
- FY2026Core OHR target not achievedAnnual report
「[Consolidated] Core OHR 65% or lower 71.9%」
The core OHR target for the fiscal year ending March 2027 is 65% or lower, compared with actual core OHR of 71.9% in the fiscal year ending March 2026. - FY2026-H1RaisedAnnual report
「[Consolidated] Core OHR 75% or lower 65% or lower 65% or lower 60% or lower」
The core OHR target in the medium-term management plan was revised upward from 75% or lower to 65% or lower, and the long-term numerical target was revised upward from 65% or lower to 60% or lower. - FY2025-H1AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥1,415 million year on year to ¥57,035 million, mainly because operating expenses and other ordinary expenses declined.」
Consolidated ordinary expenses fell below the previous year because operating expenses and other ordinary expenses declined. - FY2024-Q3Operating expenses down, total ordinary expenses upAnnual report
「Consolidated ordinary expenses increased by ¥11,367 million year on year to ¥92,232 million, mainly because funding costs and other operating expenses increased.」
Operating expenses decreased slightly from ¥31,822 million in the previous year to ¥31,801 million, while total consolidated ordinary expenses exceeded the previous year because funding costs and other operating expenses increased. - FY2024-Q2Operating expenses down, total ordinary expenses upAnnual report
「Consolidated ordinary expenses increased by ¥5,648 million year on year to ¥58,450 million, mainly because funding costs and other operating expenses increased despite declines in operating expenses and other ordinary expenses.」
Operating expenses declined, while total consolidated ordinary expenses exceeded the previous year because funding costs and other operating expenses increased. - FY2024-Q1Operating expenses down, total ordinary expenses upAnnual report
「Consolidated ordinary expenses increased by ¥346 million year on year to ¥26,242 million, mainly because funding costs and other expenses increased despite a decline in losses on sales of bonds, including Japanese government bonds.」
Operating expenses decreased from ¥10,727 million in the previous year to ¥10,578 million, while total consolidated ordinary expenses exceeded the previous year because funding costs and other expenses increased. - FY2023AdvancedAnnual report
「By centralising administrative procedures at the head office, we have reduced the administrative burden on branches and shifted branch operations, where sales and administrative work had been combined, to focus primarily on sales, thereby establishing a structure capable of meeting customers’ sophisticated needs.」
As part of business process reform, administrative procedures were centralised at the head office and branch operations were shifted to focus on sales. Consolidated core OHR was 71.9% in the fiscal year ended March 2023, compared with the target of the 75% range for the fiscal year ending March 2024. - FY2023-Q3Operating expenses down, total ordinary expenses upAnnual report
「Consolidated ordinary expenses increased by ¥9,409 million year on year to ¥80,864 million, mainly because other operating expenses and funding costs increased despite a decline in operating expenses.」
Operating expenses declined, while total consolidated ordinary expenses exceeded the previous year because other operating expenses and funding costs increased. - FY2023-Q2AdvancedAnnual report
「Consolidated ordinary expenses increased by ¥5,199 million year on year to ¥52,801 million, mainly because funding costs and other operating expenses increased despite a decline in operating expenses.」
Operating expenses declined from the previous year, but total consolidated ordinary expenses increased because funding costs and other operating expenses rose. - FY2023-Q1AdvancedAnnual report
「Consolidated ordinary expenses increased by ¥1,242 million year on year to ¥25,896 million, mainly because losses on sales of bonds, including Japanese government bonds, increased despite a decline in operating expenses and other costs.」
The disclosure indicates a decline in operating expenses and other costs, showing an improvement in costs related to efficiency, while total consolidated ordinary expenses increased because losses on sales of bonds, including Japanese government bonds, rose. - FY2022AdvancedAnnual report
「● Improve productivity by reviewing business processes and digitising operations, and reform employees’ working practices」
The basic strategies for business process reform were explicitly identified as reviewing operations, digitisation, productivity improvement and work-style reform. Consolidated core OHR was 75.7% in the fiscal year ended March 2022, compared with the target of the 75% range for the fiscal year ending March 2024. - FY2022-Q3AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥2,249 million year on year to ¥71,454 million, mainly because operating expenses and funding costs declined.」
Consolidated ordinary expenses decreased by ¥2,249 million from the previous year, due to lower operating expenses and funding costs. - FY2022-Q2AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥2.326 billion year on year to ¥47.602 billion, mainly because operating expenses, funding costs and other expenses declined.」
The decline in operating expenses, funding costs and other expenses reduced consolidated ordinary expenses by ¥2.326 billion year on year. - FY2022-Q1AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥526 million year on year to ¥24.653 billion, mainly because losses on sales of bonds, including Japanese government bonds, and operating expenses declined.」
The decline in losses on sales of bonds, including Japanese government bonds, and operating expenses reduced consolidated ordinary expenses year on year. - FY2021-Q3AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥3.515 billion year on year to ¥73.703 billion, mainly because funding costs and operating expenses declined.」
The decline in funding costs and operating expenses reduced consolidated ordinary expenses by ¥3.515 billion year on year. - FY2021-Q2AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥2.019 billion year on year to ¥49.928 billion, mainly because funding costs and operating expenses declined.」
The decline in funding costs and operating expenses reduced consolidated ordinary expenses year on year. - FY2021-Q1AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥278 million year on year to ¥25.179 billion, as the decline in funding costs and operating expenses more than offset the increase in losses on sales of bonds, including Japanese government bonds.」
The decline in funding costs and operating expenses reduced consolidated ordinary expenses year on year. - FY2020RestatedAnnual report
「In addition to reviewing existing operations, we will promote operational efficiency through the use of IT technologies and RPA (robotic process automation) and seek to create more time for customer-facing activities.」
The company presents concrete means of promoting operational efficiency by reviewing operations and using IT technologies and RPA, but does not report results achieved. - FY2020-Q3AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥3.651 billion year on year to ¥77.218 billion, mainly because losses on sales of bonds, including Japanese government bonds, declined.」
The decline in losses on sales of bonds, including Japanese government bonds, and other factors reduced consolidated ordinary expenses year on year. - FY2020-Q2AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥147 million year on year to ¥51.948 billion, mainly because funding costs and other operating expenses declined.」
The decline in funding costs and other operating expenses reduced consolidated ordinary expenses year on year. - FY2020-Q1AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥128 million year on year to ¥25.458 billion, mainly because funding costs and other operating expenses declined.」
The decline in funding costs and other operating expenses reduced consolidated ordinary expenses year on year. - FY2019-Q3AdvancedAnnual report
「Consolidated ordinary expenses increased by ¥2.822 billion year on year to ¥80.870 billion, as the increase in losses on sales of bonds, including Japanese government bonds, more than offset the decline in operating expenses resulting from efforts to reduce expenses.」
The disclosure states that operating expenses declined year on year as a result of expense reduction efforts. Meanwhile, total consolidated ordinary expenses increased because losses on sales of bonds, including Japanese government bonds, rose. - FY2019-Q2AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥727 million year on year to ¥52.095 billion, mainly because operating expenses declined as a result of efforts to reduce expenses.」
As a result of expense reduction efforts, consolidated ordinary expenses, including operating expenses, decreased by ¥727 million year on year. - FY2019-Q1AdvancedAnnual report
「Consolidated ordinary expenses decreased by ¥302 million year on year to ¥25.587 billion, mainly because operating expenses declined as a result of efforts to reduce expenses.」
Efforts to reduce expenses led to a decline in operating expenses, and consolidated ordinary expenses also decreased by ¥302 million year on year. - FY2018RestatedAnnual report
「We will exercise appropriate risk control by advancing ALM and risk management, while reviewing and streamlining operations to make effective use of limited management resources.」
Advanced ALM and risk management and the review and streamlining of operations remain core strategies. - FY2017RestatedAnnual report
「We will exercise appropriate risk control by advancing ALM and risk management, while reviewing and streamlining operations to make effective use of limited management resources.」
Advanced ALM and risk management and operational efficiency remain core strategies. - FY2016First statedAnnual report
「(4) Very Solid & Efficient “Building a sound and efficient operating structure” We will exercise appropriate risk control by advancing ALM and risk management, while reviewing and streamlining operations to make effective use of limited management resources.」
The company positions advanced ALM and risk management and operational efficiency as means of building a sound operating structure.