Improving Management Efficiency
First written in FY2017-Q2. 16 of 30 entries say "Advanced", first in FY2018. Latest entry: FY2026.
The whole theme swung hardest in 2025: 2 of 16 companies on the "Worse" side.
2 other companies' latest entry also says "Other".
- FY2026Increase in expenses due to higher personnel and property costsAnnual report
「Expenses increased by ¥735 million year on year to ¥42,429 million, as property expenses increased due to higher personnel expenses following the implementation of base-pay increases and other measures, and higher depreciation expenses resulting from the construction of a new head office and increased IT investment.」
The specific increases in personnel and property expenses associated with base-pay increases, construction of a new head office and IT investment represent a shift from the previous focus on expense reductions. - FY2026-H1Factors behind the increase in operating expenses specifiedAnnual report
「Expenses for the interim accounting period increased by ¥985 million year on year to ¥20,995 million, as personnel expenses increased due to the implementation of base-pay increases, while property expenses increased due to higher depreciation expenses resulting from the construction of a new head office and increased IT investment.」
The year-on-year increase in operating expenses continued, with base-pay increases, construction of a new head office and increased IT investment specifically cited as factors behind the increase. - FY2025-H1Continued year-on-year increase in operating expensesAnnual report
「Operating expenses 19,860 21,317 1,456」
Operating expenses increased by ¥1,456 million from ¥19,860 million in the same period of the previous year to ¥21,317 million. The year-on-year increase has continued, replacing the reduction trend that continued through the previous fiscal year. - FY2024-Q3Continued year-on-year increase in operating expensesAnnual report
「Operating expenses 29,634 29,847 213」
Operating expenses increased by ¥213 million from ¥29,634 million in the same period of the previous year to ¥29,847 million. As in the previous quarter, operating expenses were reported to have increased year on year. - FY2024-Q2Operating expenses increased year on yearAnnual report
「Operating expenses 19,815 19,860 44」
Operating expenses increased by ¥44 million from ¥19,815 million in the same period of the previous year to ¥19,860 million. - FY2024-Q1AdvancedAnnual report
「Operating expenses and credit-related expenses decreased.」
Operating expenses decreased by ¥117 million from ¥9,998 million in the same period of the previous year to ¥9,880 million. The reduction in operating expenses related to improvements in operating efficiency continued. - FY2023-Q3AdvancedAnnual report
「From an expense perspective, although other ordinary expenses decreased due to lower losses related to the disposal of non-performing loans in addition to lower operating expenses, ordinary expenses increased by ¥3,441 million from the same period of the previous year to ¥46,981 million, mainly because funding costs increased and other operating expenses increased due to higher losses on sales of Japanese government bonds and other bonds.」
Operating expenses decreased by ¥487 million from ¥30,121 million in the same period of the previous year to ¥29,634 million. Although total ordinary expenses increased due to higher other expenses, the reduction in operating expenses is evident. - FY2023-Q2AdvancedAnnual report
「Other ordinary expenses decreased due to lower operating expenses and lower losses related to the disposal of non-performing loans.」
Operating expenses decreased from ¥20,155 million in the same period of the previous year to ¥19,815 million. The continued reduction in operating expenses related to improvements in operating efficiency is evident. - FY2023-Q1AdvancedAnnual report
「Operating expenses 10,145 9,998」
Operating expenses decreased by ¥147 million from ¥10,145 million in the same period of the previous year to ¥9,998 million. - FY2022AdvancedAnnual report
「Operating expenses decreased by ¥1,388 million year on year to ¥40,234 million, mainly because personnel expenses and property expenses decreased」
Operating expenses decreased from ¥41,622 million in the previous year to ¥40,234 million due to lower personnel expenses and property expenses. - FY2022-Q3AdvancedAnnual report
「From an expense perspective, ordinary expenses decreased by ¥7,088 million from the same period of the previous year to ¥43,540 million, mainly because, in addition to lower operating expenses, other operating expenses decreased due to lower losses on sales of Japanese government bonds and other bonds, and other ordinary expenses decreased due to lower losses related to the disposal of non-performing loans and lower losses on sales of shares and other securities.」
Operating expenses decreased from ¥31,360 million in the same period of the previous year to ¥30,121 million. The reduction in operating expenses and progress in improving operating efficiency were reported. - FY2022-Q2AdvancedAnnual report
「From an expense perspective, ordinary expenses decreased by ¥5,639 million from the same period of the previous year to ¥29,753 million, mainly because, in addition to lower operating expenses, other operating expenses decreased due to lower losses on sales of Japanese government bonds and other bonds, and other ordinary expenses decreased due to lower losses related to the disposal of non-performing loans and other items.」
Operating expenses decreased from ¥20,929 million in the same period of the previous year to ¥20,155 million, demonstrating a reduction in expenses related to improvements in operating efficiency. - FY2022-Q1AdvancedAnnual report
「Ordinary expenses decreased by ¥2,914 million from the same period of the previous year to ¥12,858 million, mainly because other operating expenses and other ordinary expenses decreased as operating expenses declined, losses on sales of Japanese government bonds and other bonds and shares decreased, and losses related to the disposal of non-performing loans and other items decreased.」
Operating expenses in the banking business decreased from ¥10,547 million in the same period of the previous year to ¥10,145 million, demonstrating a reduction in expenses related to improvements in operating efficiency. - FY2021AdvancedAnnual report
「With the 10-year goal in view, the Bank Group has set the following interim targets for 5 years from now: profitability in customer services, an OHR of less than 70%, an ROA of at least 0.25%, and 1,000 holders of qualifications related to creating vitality. The Group is working diligently to achieve these targets.」
Regarding improvements in operating efficiency, the specific targets were an OHR of less than 70% for fiscal 2024, compared with standalone and consolidated results of 71.7% and 71.4%, respectively, in fiscal 2020. - FY2021-Q3AdvancedAnnual report
「Operating expenses 32,425 31,360」
Operating expenses decreased from ¥32,425 million in the same period of the previous year to ¥31,360 million. The reduction in operating expenses related to improvements in operating efficiency is evident. - FY2021-Q2AdvancedAnnual report
「Although operating expenses decreased, ordinary expenses increased by ¥2,849 million from the same period of the previous year to ¥30,649 million, mainly because other operating expenses increased due to higher losses on sales of Japanese government bonds and other bonds, and other ordinary expenses increased due to higher losses related to the disposal of non-performing loans and other items.」
Operating expenses in the banking business decreased from ¥21,679 million in the same period of the previous year to ¥20,929 million. - FY2021-Q1AdvancedAnnual report
「Operating expenses 11,009 10,547」
Operating expenses decreased from ¥11,009 million in the same period of the previous year to ¥10,547 million, reversing the year-on-year increases seen in the previous 2 quarters. - FY2020-Q3Continued year-on-year increase in operating expensesAnnual report
「Operating expenses 30,607 32,425」
Operating expenses increased from ¥30,607 million in the same period of the previous year to ¥32,425 million. As in the preceding quarters, operating expenses were reported to have increased year on year. - FY2020-Q2Continued year-on-year increase in operating expensesAnnual report
「Operating expenses ¥20,331 million ¥21,679 million」
Operating expenses increased from ¥20,331 million in the same period of the previous year to ¥21,679 million. As in the previous quarter, operating expenses were reported to have increased year on year in connection with improvements in operating efficiency. - FY2020-Q1Operating expenses increased year on yearAnnual report
「Operating expenses 10,144 11,009」
Operating expenses increased from ¥10,144 million in the same period of the previous year to ¥11,009 million. Although total ordinary expenses decreased, operating expenses were reported to have increased. - FY2019-Q3AdvancedAnnual report
「Meanwhile, ordinary expenses increased by ¥6,117 million from the same quarter of the previous year to ¥53,180 million. Operating expenses decreased in the banking business, but other operating expenses and other ordinary expenses increased due to higher losses on sales of Japanese government bonds and stocks and other securities, respectively.」
Operating expenses decreased from ¥32,627 million in the same period of the previous year to ¥30,607 million. Although total ordinary expenses increased due to higher other expenses, the continued reduction in operating expenses is evident. - FY2019-Q2AdvancedAnnual report
「Meanwhile, ordinary expenses increased by ¥1,157 million from the same quarter of the previous year to ¥32,262 million. Operating expenses decreased in the banking and securities businesses, but other operating expenses increased due to higher losses on sales of Japanese government bonds and other securities.」
Operating expenses decreased from ¥21,799 million in the same period of the previous year to ¥20,331 million. Although total ordinary expenses increased due to higher other operating expenses, the reduction in operating expenses is reported. - FY2019-Q1AdvancedAnnual report
「Meanwhile, ordinary expenses increased by ¥2,325 million from the same quarter of the previous year to ¥17,809 million. Operating expenses decreased in the banking and securities businesses, but other operating expenses increased due to higher losses on sales of Japanese government bonds and other securities.」
Operating expenses decreased from ¥10,893 million in the same period of the previous year to ¥10,144 million. Although total ordinary expenses increased due to higher other operating expenses, the disclosure reports a reduction in operating expenses related to improved management efficiency. - FY2018AdvancedAnnual report
「The Bank has established OHR, the non-interest income ratio, the capital adequacy ratio, ROA and ROE as key indicators under its medium-term management plan, the “Vitality Creation Plan II: Transformation and Challenge,” and has set an OHR target of below 70% for fiscal 2019. OHR was 77.0% in fiscal 2017.」
Regarding the previous policy of enhancing management efficiency, the medium-term management plan specifies an OHR target of below 70% and a first-year actual result of 77.0% for the first time. - FY2018-Q3RestatedAnnual report
「Against this economic backdrop, the Group worked to promote regional development and improve its performance while striving to enhance management efficiency, with the result that」
The company continues to state its commitment to enhancing management efficiency as before. - FY2018-Q2RestatedAnnual report
「Against this economic backdrop, the Group worked to promote regional development and improve its performance while striving to enhance management efficiency, with the result that」
The company continues to state its commitment to enhancing management efficiency. - FY2018-Q1RestatedAnnual report
「Against this economic backdrop, the Group worked to promote regional development and improve its performance while striving to enhance management efficiency, with the result that」
The company continues to state its commitment to enhancing management efficiency as before. - FY2017ReframedAnnual report
「Improving productivity and profitability through business transformation」
The previous expression, “enhancing management efficiency,” has been reframed in the new medium-term management plan as improving productivity and profitability through business transformation. - FY2017-Q3RestatedAnnual report
「Against this economic backdrop, the Group worked to promote regional development and improve its performance while striving to enhance management efficiency, with the result that」
The company continues to state its commitment to enhancing management efficiency. - FY2017-Q2First statedAnnual report
「Against this economic backdrop, the Group worked to promote regional development and improve its performance while striving to enhance management efficiency, with the result that」
For the first time, the company explicitly presents its efforts to enhance management efficiency as an initiative aimed at regional development and improved performance.