Strengthening Comprehensive Financial Services and Consulting Capabilities

「In April 2024, we established the Future Creation Office within the Corporate Planning Department and have been working to expand our business areas beyond banking and create medium- to long-term earnings drivers. As part of these efforts, we will establish an investment advisory company to support customers in building assets over the medium to long term, contribute to improving financial literacy and help promote the sound development of financial markets.」

「As customer needs become increasingly diverse and sophisticated, our bank acquired the shares of Kiyo Lease Co., Ltd. held by non-controlling shareholders in order to further enhance comprehensive financial services provided by the group as an integrated entity. As a result, our bank's voting rights ratio in Kiyo Lease Co., Ltd. became 100%. Through this transaction, we will work to enhance corporate value by advancing integrated group management rapidly and effectively.」

「We will strengthen group profitability by developing and enhancing a structure that enables customers to make maximum use of the functions of our group companies and by having the group companies work together to improve services.」

「We will strengthen group profitability by developing and enhancing a structure that enables customers to make maximum use of the functions of our group companies and by having the group companies work together to improve services.」

「We will establish a structure under which the group can work as one to provide comprehensive financial services tailored to customer needs by understanding the characteristics of the regional economy.」

「On 1 October 2018, our bank carried out a share exchange under which it became the wholly owning parent company and Kiyo Card Co., Ltd. and Kiyo Card DC Co., Ltd. became wholly owned subsidiaries. Through this transaction, we will further strengthen group management and work to enhance the corporate value of our bank.」

「In the Fifth Medium-Term Management Plan, covering the three-year period from April 2018 to March 2021, our bank established as its basic policy the simultaneous achievement of a stronger presence in the region and enhanced profitability. As part of this policy, we decided to carry out this share exchange, under which 2 subsidiaries will become wholly owned subsidiaries, in order to enhance comprehensive financial services through stronger collaboration with group companies.」

「We will further develop our sustainable business model, a model centered on lending to small and medium-sized enterprises, by engaging in sales activities that contribute to higher customer satisfaction, including our business-support services, which address customers' various challenges and provide solutions, and the provision of sophisticated financial services to owners of local businesses.」

「We worked to improve customer convenience, focused on providing more extensive financial products and services, and pursued improved performance and a stronger management structure.」

「By providing customers with a wider range of sophisticated comprehensive financial services more quickly, we will strengthen our relationship-banking framework.」

「We will provide customers with a wider range of sophisticated comprehensive financial services more quickly and strengthen our relationship-banking framework. In addition to further strengthening the sales organization and management infrastructure we have built, we will actively provide customers with useful financial services and information, work to enhance our consulting capabilities and make further efforts to become trusted advisers to our customers.」