Transition from the traditional deposit-and-lending model to an integrated consulting group

「The Group is also working from equity investments through its specialist investment company as a starting point to provide management improvement advice and business succession support, as well as to develop core regional companies through growth support.」

「Under the "expansion of non-financial fields," we are further strengthening various consulting services addressing the diverse and increasingly complex challenges faced by customers and the community, while also expanding into new business areas by establishing a consulting company (a local subsidiary in Vietnam) and an investment specialist company. Under "sophistication of financial services," we are developing a framework to provide customers with ongoing support through finance, including by establishing a new Solution Finance Department that consolidates solution-related finance functions previously dispersed within the Bank.」

「The Group newly established a Consulting Department by consolidating corporate consulting functions that had been dispersed among various departments, enabling it to provide comprehensive consulting services to customers with diverse issues. It also newly established a Digital Strategy Office responsible for data analysis and marketing to provide individual customers with appropriate products and services at the right time, and a PB (Private Banking) and Business Succession Team to provide specialized support for asset management, wealth succession and business succession across both the corporate and individual sectors.」

「The Group newly established a Consulting Department by consolidating corporate consulting functions that had been dispersed among various departments, enabling it to provide comprehensive consulting services to customers with diverse issues. It also newly established a Digital Strategy Office responsible for data analysis and marketing to provide individual customers with appropriate products and services at the right time, and a PB (Private Banking) and Business Succession Team to provide specialized support for asset management, wealth succession and business succession across both the corporate and individual sectors.」

「To gain a deep and accurate understanding of customers and solve their issues in both the corporate and individual sectors, the Group reorganized its sales structure, including by assigning new specialist personnel. It also developed a structure capable of addressing more specialized management issues, including by commercializing ICT consulting, core talent placement and overseas support consulting services.」

「The Group is seeking to move away from its traditional deposit-and-loan-centered business model and transform itself into an “Integrated Consulting Group.”」