A business model built on high efficiency and SME transactions
First written in FY2016. 26 of 33 entries say "Advanced", first in FY2017. Latest entry: 2026-07-31.
14 other companies' latest entry also says "Advanced".
- 2026-07-31AdvancedEarnings
「Loans increased by ¥19.2 billion from the end of the previous consolidated fiscal year to ¥2,540.6 billion, reflecting increases in business loans and loans to local governments and other public-sector borrowers.」
The loan balance increased from the end of the previous consolidated fiscal year due to growth in business loans and loans to local governments and other public-sector borrowers. Loans to SMEs and other borrowers also increased year on year. - FY2026AdvancedAnnual report
「As a result of actively meeting a broad range of funding needs while promoting relationship banking, loans increased by ¥63.3 billion from the end of the previous consolidated fiscal year to ¥2,521.4 billion at the end of the current consolidated fiscal year.」
Relationship banking and broad-based funding provision raised the loan balance by ¥63.3 billion from the end of the previous fiscal year to ¥2,521.4 billion. The ratio of loans to small and medium-sized enterprises and other borrowers also rose to 78.31%. - 2026-05-15AdvancedEarnings
「General lending increased by ¥100.2 billion, reflecting broad lending initiatives, including the Bank's core lending to small and medium-sized enterprises based on business assessments, as well as lending to ocean-going shipping companies.」
The Bank expanded general lending, particularly to small and medium-sized enterprises, and its loan balance increased by ¥63.3 billion from the end of the previous fiscal year. The ratio of loans to SMEs and other borrowers also rose to 78.31%. - FY2026-H1Decrease in loan balanceAnnual report
「Loans decreased by ¥4.6 billion from the end of the previous consolidated fiscal year to ¥2,453.3 billion at the end of the interim consolidated period, as declines in loans to local governments and other public-sector entities and personal loans outweighed the increase in business loans.」
Although business loans increased, declines in loans to local governments and other public-sector entities and personal loans reduced the loan balance by ¥4.6 billion from the end of the previous fiscal year. - FY2025-H1AdvancedAnnual report
「Loans increased by ¥17.9 billion from the end of the previous consolidated fiscal year to ¥2,360.6 billion at the end of the interim consolidated period, as increases in business loans and personal loans outweighed the decline in loans to local governments and other public-sector entities.」
Although loans to local governments and other public-sector entities declined, increases in business loans and personal loans raised the loan balance by ¥17.9 billion from the end of the previous fiscal year to ¥2,360.6 billion. - FY2024AdvancedAnnual report
「As a result of meeting a broad range of funding needs based on business assessments, loan balances increased across a wide range of industries. The balance at the end of the current consolidated fiscal year was ¥2,342.7 billion, an increase of ¥170.4 billion from the end of the previous consolidated fiscal year. The bank will continue to meet a broad range of funding needs and focus on expanding loans to its core segment of small and medium-sized enterprises and other borrowers.」
The bank continued to provide funding based on business assessments, raising the loan balance by ¥170.4 billion from the end of the previous fiscal year to ¥2,342.7 billion. It has also reaffirmed its policy of expanding loans to small and medium-sized enterprises and other borrowers. - FY2024-Q3AdvancedAnnual report
「Loans increased by ¥82.7 billion from the end of the previous consolidated fiscal year to ¥2,255.0 billion, as increases in business loans and personal loans outweighed the decline in loans to local governments and other public-sector entities.」
Although loans to local governments and other public-sector entities declined, increases in business loans and personal loans raised the loan balance by ¥82.7 billion from the end of the previous consolidated fiscal year to ¥2,255.0 billion. - FY2024-Q2AdvancedAnnual report
「Loans increased by ¥30.7 billion from the end of the previous consolidated fiscal year to ¥2,203.0 billion at the end of the second quarter of the current consolidated fiscal year, as increases in business loans and personal loans outweighed the decline in loans to local governments and other public-sector entities.」
Although loans to local governments and other public-sector entities declined, increases in business loans and personal loans raised the loan balance by ¥30.7 billion from the end of the previous fiscal year to ¥2,203.0 billion. - FY2024-Q1AdvancedAnnual report
「Loans increased by ¥6.5 billion from the end of the previous consolidated fiscal year to ¥2,178.8 billion, reflecting increases in business loans and personal loans.」
Increases in business loans and personal loans raised the loan balance by ¥6.5 billion from the end of the previous fiscal year to ¥2,178.8 billion. - FY2023-Q3AdvancedAnnual report
「Loans increased by ¥36.1 billion from the end of the previous consolidated fiscal year to ¥2,153.1 billion, as increases in business loans and personal loans outweighed the decline in loans to local governments and other public-sector entities.」
Although loans to local governments and other public-sector entities declined, increases in business loans and personal loans raised the loan balance by ¥36.1 billion from the end of the previous consolidated fiscal year. - FY2023-Q2AdvancedAnnual report
「Although loans to local governments and other public-sector entities declined, business loans and personal loans increased. As a result, loans and bills discounted increased by ¥15.5 billion from the end of the previous consolidated fiscal year, to ¥2.1325 trillion at the end of the second quarter of the current consolidated fiscal year.」
Although loans to local governments and other public-sector entities declined, the increase in business loans and personal loans raised the loan balance by ¥15.5 billion from the end of the previous fiscal year. - FY2023-Q1AdvancedAnnual report
「Loans and bills discounted increased by ¥14.2 billion from the end of the previous consolidated fiscal year, to ¥2.1312 trillion, due to an increase in business loans and other factors.」
Loans and bills discounted increased by ¥14.2 billion from the end of the previous consolidated fiscal year due to an increase in business loans and other factors, reaching ¥2.1312 trillion. - FY2022AdvancedAnnual report
「As a result of providing full-scale working-capital support in response to COVID-19 and meeting a wide range of funding needs based on business viability assessments, balances increased across a broad range of industries. The balance of loans and bills discounted at the end of the current consolidated fiscal year was ¥2.1170 trillion, an increase of ¥30.1 billion from the end of the previous consolidated fiscal year.」
Working-capital support and funding based on business viability assessments resulted in loans and bills discounted increasing by ¥30.1 billion to ¥2.1170 trillion. The bank also continued to strengthen lending to its core SME customers. - FY2022-Q3AdvancedAnnual report
「Loans and bills discounted increased by ¥9.6 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans, to ¥2.0966 trillion.」
Loans and bills discounted increased by ¥9.6 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans, reaching ¥2.0966 trillion. - FY2022-Q2Decrease in loans to SMEs and othersAnnual report
「Although personal loans increased, loans to SMEs and local governments and other public-sector entities declined. As a result, loans and bills discounted decreased by ¥23.3 billion from the end of the previous consolidated fiscal year, leaving the balance at ¥2.0635 trillion at the end of the second quarter of the current consolidated fiscal year.」
While personal loans increased, loans to SMEs and local governments and other public-sector entities declined, resulting in a ¥23.3 billion decrease in loans and bills discounted from the end of the previous consolidated fiscal year. - FY2022-Q1Decrease in loan balanceAnnual report
「Although personal loans increased, general loans and loans to local governments and other public-sector entities declined. As a result, loans and bills discounted decreased by ¥10.9 billion from the end of the previous consolidated fiscal year, to ¥2.0759 trillion.」
While personal loans increased, loans and bills discounted decreased by ¥10.9 billion from the end of the previous consolidated fiscal year due to declines in general loans and loans to local governments and other public-sector entities. - FY2021-Q3AdvancedAnnual report
「Loans and bills discounted increased by ¥82.9 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans, to ¥2.0458 trillion.」
Loans and bills discounted increased by ¥82.9 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans, reaching ¥2.0458 trillion. - FY2021-Q2AdvancedAnnual report
「Although loans to local governments and other public-sector entities declined, strengthening core SME lending resulted in loans and bills discounted increasing by ¥65.4 billion from the end of the previous consolidated fiscal year, to ¥2.0283 trillion at the end of the second quarter of the current consolidated fiscal year.」
The bank worked to strengthen core SME lending, and loans and bills discounted increased by ¥65.4 billion from the end of the previous consolidated fiscal year to ¥2.0283 trillion. - FY2021-Q1AdvancedAnnual report
「Loans and bills discounted increased by ¥35.0 billion from the end of the previous consolidated fiscal year, to ¥1.9979 trillion, as a result of actively providing working-capital support to customers affected by the spread of COVID-19 and other factors, including an increase in general loans.」
Loans and bills discounted increased by ¥35.0 billion from the end of the previous consolidated fiscal year through working-capital support for customers affected by the spread of the infection. - FY2020AdvancedAnnual report
「While promoting relationship banking, we actively addressed a range of funding needs, including those in growth sectors, and strengthened core SME lending. As a result, loans and bills discounted increased by ¥63.4 billion from the end of the previous consolidated fiscal year, to ¥1.9628 trillion at the end of the current consolidated fiscal year.」
The bank continued relationship banking and lending to SMEs, and loans and bills discounted increased by ¥63.4 billion to ¥1.9628 trillion. - FY2020-Q3AdvancedAnnual report
「Loans and bills discounted increased by ¥44.3 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans, to ¥1.9437 trillion.」
Loans and bills discounted increased by ¥44.3 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans, reaching ¥1.9437 trillion. - FY2020-Q2AdvancedAnnual report
「Although loans to local governments and other public-sector entities declined, active pursuit of lending to our core SME customers and other factors led loans and bills discounted to increase by ¥23.8 billion from the end of the previous consolidated fiscal year, to ¥1.9233 trillion at the end of the second quarter of the current consolidated fiscal year.」
While loans to local governments and other public-sector entities declined, active pursuit of lending to SMEs resulted in a ¥23.8 billion increase in loans and bills discounted from the end of the previous consolidated fiscal year. - FY2020-Q1Decrease in loan balanceAnnual report
「Although personal loans increased, general loans and loans to local governments and other public-sector entities declined. As a result, loans and bills discounted decreased by ¥5.0 billion from the end of the previous consolidated fiscal year, to ¥1.8943 trillion.」
While personal loans increased, loans and bills discounted decreased by ¥5.0 billion from the end of the previous consolidated fiscal year due to declines in general loans and loans to local governments and other public-sector entities. - FY2019AdvancedAnnual report
「Loans and bills discounted increased by ¥63.3 billion from the end of the previous consolidated fiscal year, to ¥1.8994 trillion at the end of the current consolidated fiscal year, as a result of strengthening core SME lending based on business viability assessments. We will continue to focus on strengthening lending to SMEs.」
The bank strengthened SME lending based on business viability assessments, and loans and bills discounted increased by ¥63.3 billion. - FY2019-Q3AdvancedAnnual report
「Loans and bills discounted increased by ¥12.2 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans, to ¥1.8483 trillion.」
Loans and bills discounted increased by ¥12.2 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans. - FY2019-Q2AdvancedAnnual report
「Although loans to local governments and other public-sector entities declined, active pursuit of lending to our core SME customers and other factors led loans and bills discounted to increase by ¥2.4 billion from the end of the previous consolidated fiscal year, to ¥1.8384 trillion at the end of the second quarter of the current consolidated fiscal year.」
While loans to local governments and other public-sector entities declined, active pursuit of lending to SMEs resulted in a ¥2.4 billion increase in loans and bills discounted from the end of the previous consolidated fiscal year. - FY2019-Q1Decrease in loan balanceAnnual report
「Loans and bills discounted decreased by ¥5.6 billion from the end of the previous consolidated fiscal year, mainly due to a decline in loans to local governments and other public-sector entities, to ¥1.8303 trillion.」
Total loans and bills discounted decreased by ¥5.6 billion from the end of the previous consolidated fiscal year. The decline was attributed to a decrease in loans to local governments and other public-sector entities; there is no statement concerning the lending policy for SMEs itself. - FY2018AdvancedAnnual report
「Loans and bills discounted increased by ¥75.4 billion from the end of the previous consolidated fiscal year, to ¥1.8360 trillion at the end of the current consolidated fiscal year, as a result of strengthening lending to core SME customers based on business viability assessments, including in growth sectors such as the environment and energy. We will continue to focus on strengthening lending to SMEs.」
The bank expanded lending to SMEs based on business viability assessments into growth sectors, and loans and bills discounted increased by ¥75.4 billion. - FY2018-Q3AdvancedAnnual report
「Loans and bills discounted increased by ¥25.1 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans, to ¥1.7858 trillion.」
Loans and bills discounted increased by ¥25.1 billion from the end of the previous consolidated fiscal year, mainly due to an increase in general loans, demonstrating growth in lending, including to SMEs. - FY2018-Q2AdvancedAnnual report
「Although personal loans declined, active pursuit of lending to our core SME customers and other factors led loans and bills discounted to increase by ¥15.1 billion from the end of the previous consolidated fiscal year, to ¥1.7758 trillion at the end of the second quarter of the current consolidated fiscal year.」
The bank actively pursued lending to its core SME customers, and loans and bills discounted increased by ¥15.1 billion from the end of the previous consolidated fiscal year. - FY2017AdvancedAnnual report
「As part of our promotion of relationship banking, we worked to provide active funding, including to growth sectors, through the launch of new products and other measures. As a result of strengthening lending to our core SME customers and others, loans and bills discounted increased by ¥49.5 billion from the end of the previous consolidated fiscal year, to ¥1.7606 trillion at the end of the current consolidated fiscal year.」
The bank’s initiatives centered on relationship banking and lending to SMEs resulted in a ¥49.5 billion increase in loans and bills discounted through new products and active funding. - FY2017-Q2RestatedAnnual report
「Although we actively pursued lending to our core SME customers, loans to local governments and other public-sector entities declined. As a result, loans and bills discounted decreased by ¥300 million from the end of the previous consolidated fiscal year, leaving the balance at ¥1.7107 trillion at the end of the second quarter of the current consolidated fiscal year.」
The bank has reaffirmed its policy of actively pursuing lending to SMEs as its core business. - FY2016First statedAnnual report
「To achieve sustainable growth while preserving the trust and tradition the bank has cultivated over its 120-year history, it is essential to further evolve the bank’s unique business model centered on high efficiency and transactions with SMEs.」
For sustainable growth, the bank identifies the evolution of its unique model centered on high efficiency and transactions with SMEs as a key challenge.