Service Enhancement through Business Viability Assessment and Life-Stage Support
First written in FY2016. 12 of 17 entries say "Advanced", first in FY2018. Latest entry: 2026-07-31.
The whole theme swung hardest in 2021: 5 of 25 companies on the "Worse" side.
17 other companies' latest entry also says "Advanced".
- 2026-07-31AdvancedEarnings
「Core operating net income increased by ¥6.858 billion year on year to ¥11.861 billion, due to higher fund-related profit and net fees and commissions, as well as the recognition of gains on the cancellation of asset swaps associated with the replacement of part of the domestic bond portfolio.」
Net fees and commissions increased year on year, with improved service revenue also evident in the first quarter. - FY2026AdvancedAnnual report
「To advance lifelong relationships with customers, we will further enhance our consulting capabilities. For corporate customers, in addition to cash-flow support, we will use advanced financial techniques such as DX and GX consulting, business succession support and structured finance to strengthen the competitiveness of local communities and drive the creation of new industries and the development of new businesses. For individual customers, we will propose comprehensive financial services covering deposits, securities and insurance, deepen our family-support sales model aimed at protecting and growing customers’ assets and helping them achieve prosperity, and support wealth building and succession across generations, thereby contributing to the realization of a financially advanced prefecture.」
Support for corporate customers has been expanded to include DX and GX, business succession and structured finance, while for individual customers the bank aims to deepen its family-support sales model combining deposits, securities and insurance. - 2026-05-15AdvancedEarnings
「Net fees and commissions increased, driven by higher fees from financial product intermediary services and corporate-related fees.」
Net fees and commissions increased as a result of higher fees from financial product intermediary services and corporate-related fees. - FY2026-H1Decrease in net fees and commissions incomeAnnual report
「Net fees and commissions income was ¥4.680 billion, a decrease of ¥291 million from the previous interim consolidated period, mainly due to higher fees and commissions expenses.」
Due in part to higher expenses related to services and other transactions, the balance of services and other transactions decreased by ¥291 million year on year. - FY2025-H1AdvancedAnnual report
「Net fees and commissions income was ¥4.971 billion, an increase of ¥724 million from the previous interim consolidated period, mainly due to higher securities brokerage commissions.」
Net fees and commissions income increased by ¥724 million year on year to ¥4.971 billion, mainly due to higher securities brokerage commissions. Improvement in financial services revenue, including securities-related operations, was also evident in the interim period. - FY2024AdvancedAnnual report
「For corporate customers, we will share management perspectives and business challenges through dialogue and, in addition to continuing to support cash-flow management, provide tailored support based on business assessments from business start-up through succession. For individual customers, we will propose comprehensive financial services covering deposits, securities and insurance suited to their life events, while strengthening family-support sales aimed at supporting their life planning throughout their lives, protecting and growing their assets, and helping them achieve greater prosperity.」
The bank has given concrete form to corporate support as tailored assistance from business start-up through succession, and to individual support as family-support sales combining deposits, securities and insurance. - FY2024-Q3AdvancedAnnual report
「Net fees and commissions income was ¥6.420 billion, an increase of ¥148 million from the first 3 quarters of the previous consolidated fiscal year.」
Net fees and commissions income increased by ¥148 million year on year to ¥6.420 billion. Fee income from securities-related operations also increased from ¥1.385 billion in the previous year to ¥1.736 billion, indicating continued improvement in financial services revenue. - FY2024-Q2AdvancedAnnual report
「Net fees and commissions income was ¥4.246 billion, an increase of ¥37 million from the first 2 quarters of the previous consolidated fiscal year.」
Net fees and commissions income increased by ¥37 million year on year to ¥4.246 billion, indicating an improvement in revenue from financial services. - FY2022AdvancedAnnual report
「From fiscal 2021, the integration of our bank's asset custody sales division with the retail function of Nomura Securities Co., Ltd.'s Tokushima Branch enabled us to provide high-value-added services covering deposits, securities and insurance.」
The alliance with Nomura Securities progressed from the planning and launch stages to the provision of comprehensive financial services through the integration of our asset custody sales division with the retail function of Nomura Securities' Tokushima Branch. Assets under custody in financial product intermediary services amounted to ¥835.5 billion. - FY2022-Q3RestatedAnnual report
「Fees and commissions income for the first 3 quarters of the current consolidated fiscal year was ¥7.291 billion, an increase of ¥1.335 billion from the first 3 quarters of the previous consolidated fiscal year, mainly due to higher fee income from securities-related operations following the launch of the comprehensive business alliance with Nomura Securities Co., Ltd.」
The increase in fee income from securities-related operations following the launch of the comprehensive business alliance with Nomura Securities continued during the first 3 quarters, and fees and commissions income increased by ¥1.335 billion year on year. - FY2022-Q2AdvancedAnnual report
「Ordinary income for the first 2 quarters of the current consolidated fiscal year was ¥33.006 billion, an increase of ¥1.206 billion from the first 2 quarters of the previous consolidated fiscal year, mainly because the comprehensive business alliance with Nomura Securities Co., Ltd. in financial product intermediary services got fully under way, resulting in higher fees and commissions income.」
The comprehensive business alliance with Nomura Securities got fully under way, and ordinary income increased by ¥1.206 billion year on year, mainly due to higher fees and commissions income. - FY2022-Q1AdvancedAnnual report
「Ordinary income for the first quarter of the current consolidated fiscal year was ¥16.758 billion, an increase of ¥442 million from the first quarter of the previous consolidated fiscal year, mainly due to higher fees and commissions income following the launch of the comprehensive business alliance with Nomura Securities Co., Ltd.」
The comprehensive business alliance with Nomura Securities was launched, and ordinary income increased by ¥442 million year on year, mainly due to higher fees and commissions income. The alliance progressed from the planning stage to the launch and earnings contribution stage. - FY2020AdvancedAnnual report
「For individual customers, we provide a full range of services suited to their life plans and life stages and conduct family-support sales that contribute to the formation of financial assets supporting customers in an era of 100-year lifespans by enhancing our comprehensive financial services capabilities. In response to financial market volatility caused by the spread of COVID-19, we provide attentive follow-up and consultations on asset management and asset formation tailored to market conditions. We also aim to further strengthen these initiatives through a comprehensive alliance with Nomura Securities.」
The bank has given concrete form to family-support sales for individuals through measures including follow-up in response to market volatility, asset formation consultations and a comprehensive alliance with Nomura Securities. - FY2019RestatedAnnual report
「Specifically, under the practice of building lifelong relationships, we will further strengthen comprehensive consulting sales for corporate customers, supporting their growth from every angle, including management, commercial flows and business operations. For individual customers, we will further strengthen family-support sales by providing a full range of services suited to each life stage and supporting the formation of financial assets to help customers navigate an era of 100-year lifespans.」
The bank has indicated a policy of continuing to strengthen comprehensive consulting sales for corporate customers and family-support sales for individual customers. - FY2018AdvancedAnnual report
「Under the practice of building lifelong relationships, we will strengthen comprehensive consulting sales for corporate customers, supporting their growth from every angle, including management, commercial flows and business operations. For individual customers, we will practice family-support sales by providing a full range of services suited to each life stage and supporting the formation of financial assets.」
The bank has given concrete form to its existing business assessment and life-stage support initiatives as comprehensive consulting sales for corporate customers and family-support sales for individual customers. - FY2017RestatedAnnual report
「Specifically, under the Shikoku Alliance initiative, we will further expand our network by connecting our branch network, centered on branches inside and outside the prefecture, with the branch networks of Hyak十四 Bank, Iyo Bank and Shikoku Bank, while diversifying customer touchpoints through the use of IT. For corporate customers, we will seek to provide higher-quality financial services through business assessments and identification of their true management challenges, while for individual customers we will identify all their needs at each stage of life.」
The bank has reaffirmed its policy of enhancing services through business assessments and identification of management challenges for corporate customers, and identification of life-stage needs for individual customers. - FY2016First statedAnnual report
「For corporate customers, we will seek to provide high-quality financial services by assessing their businesses and identifying their true management challenges, while for individual customers we will identify all their needs at each stage of life.」
The bank has set out service provision based on business assessments and identification of management challenges for corporate customers, and identification of life-stage needs for individual customers.