Strengthening lending and earnings through relationship-banking-based sales

「Loans increased by ¥48.4 billion from the end of the previous consolidated fiscal year to ¥4,393.0 billion, owing mainly to an increase in loans to small and medium-sized enterprises and other factors.」

「The loan balance increased by ¥198.5 billion from the end of the previous consolidated fiscal year to ¥4.3446 trillion, including ¥3.3185 trillion in loans to small and medium-sized enterprises and other borrowers (*), owing mainly to growth in lending to small and medium-sized enterprises, particularly in Osaka Prefecture.」

「Loans increased by ¥198.5 billion from the end of the previous fiscal year to ¥4,344.6 billion, owing mainly to an increase in loans to small and medium-sized enterprises.」

「Loans increased by ¥92.4 billion from the end of the previous consolidated fiscal year to ¥4.2385 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「The loan balance increased by ¥313.6 billion from the end of the previous consolidated fiscal year to ¥4.1460 trillion, including ¥3.1531 trillion in loans to small and medium-sized enterprises and other borrowers (*), owing mainly to growth in lending to small and medium-sized enterprises, particularly in Osaka Prefecture.」

「Loans increased by ¥184.7 billion from the end of the previous consolidated fiscal year to ¥4.0172 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥177.5 billion from the end of the previous consolidated fiscal year to ¥3.7707 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥103.8 billion from the end of the previous consolidated fiscal year to ¥3.6970 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥51.4 billion from the end of the previous consolidated fiscal year to ¥3.6445 trillion, owing mainly to increases in lending to small and medium-sized enterprises and other borrowers.」

「The loan balance increased by ¥183.1 billion from the end of the previous consolidated fiscal year to ¥3.5931 trillion, including ¥2.7176 trillion in loans to small and medium-sized enterprises and other borrowers (*), owing mainly to growth in business lending and consumer loans. In particular, business lending increased steadily as the bank rapidly rolled out advanced proposals and broad-based core-business support activities tailored to the characteristics of each region across all of its operating areas.」

「Loans increased by ¥162.3 billion from the end of the previous consolidated fiscal year to ¥3.5723 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥87.1 billion from the end of the previous consolidated fiscal year to ¥3.4971 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥57.3 billion from the end of the previous consolidated fiscal year to ¥3.4673 trillion, owing mainly to increases in lending to small and medium-sized enterprises and other borrowers.」

「The loan balance increased in all areas, including business lending, consumer loans and public-sector lending, rising by ¥138.7 billion from the end of the previous consolidated fiscal year to ¥3.4099 trillion, including ¥2.5818 trillion in loans to small and medium-sized enterprises and other borrowers (*). In particular, business lending has increased steadily as we promoted efforts to make the bank the primary bank for customers, including the rapid rollout of advanced proposals and broad-based core-business support activities tailored to the characteristics of each region across all of the bank's operating areas.」

「Loans increased by ¥88.4 billion from the end of the previous consolidated fiscal year to ¥3.3596 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥56.4 billion from the end of the previous consolidated fiscal year to ¥3.3276 trillion, owing mainly to increases in lending to small and medium-sized enterprises and large companies.」

「The loan balance increased steadily in all areas, including business lending, consumer loans and public-sector lending, owing in part to efforts to strengthen lending to small and medium-sized enterprises, one of the key strategies of the Fifth Medium-Term Management Plan. It increased by ¥199.0 billion from the end of the previous consolidated fiscal year to ¥3.2712 trillion, including ¥2.4520 trillion in loans to small and medium-sized enterprises and other borrowers (*).」

「Loans increased by ¥191.8 billion from the end of the previous consolidated fiscal year to ¥3.2639 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥138.4 billion from the end of the previous consolidated fiscal year to ¥3.2105 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥67.5 billion from the end of the previous consolidated fiscal year to ¥3.1396 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥102.0 billion from the end of the previous consolidated fiscal year to ¥3.0613 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥52.5 billion from the end of the previous consolidated fiscal year to ¥3.0118 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥25.8 billion from the end of the previous consolidated fiscal year to ¥2.9851 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「In terms of financial position, the loan balance increased by ¥90.5 billion from the end of the previous consolidated fiscal year to ¥2.9593 trillion, mainly through lending to small and medium-sized enterprises.」

「Loans increased by ¥75.8 billion from the end of the previous consolidated fiscal year to ¥2.9446 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥40.1 billion from the end of the previous consolidated fiscal year to ¥2.9089 trillion, owing mainly to an increase in lending to small and medium-sized enterprises.」

「Loans increased by ¥14.5 billion from the end of the previous consolidated fiscal year to ¥2.8833 trillion.」

「Key Strategy 1: Action — Deepening a business model centered on lending to small and medium-sized enterprises — By concentrating management resources on transactions with small and medium-sized enterprises, an area in which our group can best demonstrate its capabilities, we will establish sales activities that respond quickly and accurately to a wide range of funding needs. We will also further deepen our sustainable business model centered on lending to small and medium-sized enterprises by pursuing sales activities that improve customer satisfaction, including core-business support that addresses customers' various challenges and provides solutions, as well as advanced financial services for local business owners.」

「Loans increased by ¥46.5 billion from the end of the previous consolidated fiscal year to ¥2.8593 trillion, owing mainly to increases in lending to small and medium-sized enterprises and other borrowers, and to local governments.」

「In terms of business scale, loans increased by ¥45.6 billion from the end of the previous consolidated fiscal year to ¥2.8585 trillion, owing mainly to increases in lending to small and medium-sized enterprises and local governments.」

「Loans increased by ¥23.2 billion from the end of the previous consolidated fiscal year to ¥2.8361 trillion.」

「In terms of business scale, loans increased by ¥81.8 billion from the end of the previous consolidated fiscal year, mainly reflecting growth in business lending, bringing the balance at the end of the current consolidated fiscal year to ¥2.8128 trillion.」

「We will pursue relationship-banking sales with greater urgency than before, contributing to the local community while increasing the number of borrowers and strengthening loan balances and earnings. In Osaka Prefecture, alongside strengthening our retail customer base by increasing the number of business partners, we will enhance our structure for marketing assets under custody.」