Diversification of the Store Network and IT Channels
First written in FY2016. 13 of 16 entries say "Advanced", first in FY2017-Q3. Latest entry: FY2026.
The whole theme swung hardest in 2020: 1 of 6 companies on the "Worse" side.
3 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「In terms of banking branches, there were no new openings, but the Sako Branch (Tokushima) was newly constructed and relocated. The Nakajima Branch (Anan) was relocated into the Hano ura Branch (Anan), and the Yuki Branch (Kaifu District, Tokushima) into the Hiwasa Branch (Kaifu District, Tokushima), both in a branch-in-branch format.」
The bank newly constructed and relocated the Sako Branch and relocated the Nakajima and Yuki branches in a branch-in-branch format, advancing the reorganisation and improvement of its branch network. - FY2024AdvancedAnnual report
「With customers as our starting point, we will integrate face-to-face and non-face-to-face channels and further expand our connections with customers, thereby working to provide high-value-added financial services unique to our bank.」
The bank has given concrete form to measures that expand customer touchpoints by integrating face-to-face and non-face-to-face channels, moving beyond the previous diversification of branch and IT channels. - FY2024-Q2AdvancedAnnual report
「The renovations and other projects completed during the second quarter of the current consolidated fiscal year are as follows. Company name Branch name Other Location Category Segment Facility type Nature of renovation, etc. Completion date Our bank Kamojima Center Tokushima Yoshinogawa Renovation, etc. Banking Operations center Electrical equipment work, etc. July 2023 The planned new construction and relocation of the head office of Awagin Lease Co., Ltd. (Tokushima, Tokushima), scheduled for August 2023, was completed in October 2023.」
Electrical equipment work and other projects at the Kamojima Center were completed in July 2023, and the new construction and relocation of Awagin Lease's head office were completed in October 2023. Completed projects for branch and administrative infrastructure were added. - FY2023-Q3AdvancedAnnual report
「The planned new construction and relocation of the Aizumi Branch (Itano District, Tokushima), scheduled for February 2023, had been completed as planned as of the filing date (3 February 2023).」
The planned new construction and relocation of the Aizumi Branch was completed by 3 February 2023, adding a specific completed project to the branch network improvement record. - FY2022AdvancedAnnual report
「In terms of banking branches, the bank opened the Head Office Sales Department Tokushima Consulting Plaza Sub-Branch and the Yoyogi Branch, newly constructed and replaced the Anan Branch, newly constructed and relocated the Ichiba Branch, and relocated the Head Office Sales Department Shinmachi Plaza Sub-Branch.」
The bank opened, rebuilt and relocated multiple sub-branches and branches, advancing improvements to the branch network. Total capital investment was ¥3.0 billion, including ¥1.1 billion in software investment. - FY2022-Q3AdvancedAnnual report
「The new construction, expansions and other projects completed during the third quarter of the current consolidated fiscal year are as follows. Our bank | Yoyogi Branch | Shibuya, Tokyo | New opening | Banking | Branch | — | 257 (257) | October 2021 Our planned new construction and relocation of the Ichiba Branch (Awa, Tokushima), scheduled for January 2022, had been completed as planned as of the filing date (28 January 2022).」
The Yoyogi Branch opened and the Anan Branch was newly constructed in October and November 2021, respectively. The new construction and relocation of the Ichiba Branch had also been completed as of the filing date. Improvements to the branch network had progressed through multiple completed projects. - FY2020AdvancedAnnual report
「In terms of banking branches, the bank opened the Head Office Sales Department Aeon Plaza Sub-Branch (Tokushima) and newly constructed and replaced the Nikenya Branch (Tokushima) and constructed and relocated the Head Office Sales Department (Tokushima).」
The bank opened a new sub-branch, newly constructed and replaced the Nikenya Branch, and newly constructed and relocated the Head Office Sales Department. Total capital investment was ¥3.4 billion, including ¥2.3 billion in software investment. - FY2020-Q3AdvancedAnnual report
「Our bank | Head Office Sales Department | Tokushima, Tokushima | New construction | Banking | Branch | 2,115 | 4,974 | December 2019」
Construction of the new Head Office Sales Department was completed in December 2019. The site area was 2,115 square meters and the total floor area was 4,974 square meters, bringing improvements to the branch network and sales infrastructure to the completion stage. - FY2019AdvancedAnnual report
「In terms of banking branches, there were no new openings, but the Shozui Branch (Itano District, Tokushima) and Nakata Branch (Komatsushima, Tokushima) were relocated in a branch-in-branch format into the Kitajima Branch (Itano District, Tokushima) in July 2018 and the Komatsushima Branch (Komatsushima, Tokushima) in August 2018, respectively. In connection with construction of the new Head Office Sales Department, the existing Awagin Shinmachi Building on the planned construction site was demolished and disposed of.」
Two branches were relocated in a branch-in-branch format, and the Awagin Shinmachi Building was demolished and disposed of. Total capital investment was ¥3.1 billion, including ¥1.7 billion in software investment, advancing improvements to the branch and IT infrastructure. - FY2019-Q2AdvancedAnnual report
「The planned disposal and sale of the Awagin Shinmachi Building in the previous consolidated fiscal year were completed in July 2018, including its demolition.」
The planned disposal and demolition of the Awagin Shinmachi Building were completed in July 2018, moving the branch and facilities improvement plan into the implementation stage. - FY2018AdvancedAnnual report
「In terms of banking branches, there were no new openings, but the Chuo Ichiba Branch (Tokushima) and Marugame Branch (Marugame, Kagawa) were relocated in a branch-in-branch format into the Marinepia Branch (Tokushima) in October 2017 and the Takamatsu Branch (Takamatsu, Kagawa) in February 2018, respectively. Core facilities at the head office and operations center (Tokushima) were also refurbished.」
The bank carried out relocations in a branch-in-branch format and refurbished core facilities at the head office and operations center, giving concrete form to its reform of branch and administrative infrastructure. Planned investment in key facilities, office equipment and other items from the following fiscal year onward amounts to ¥10.8 billion. - FY2017AdvancedAnnual report
「In terms of banking branches, there were no new openings, but the Takamatsu Branch (Takamatsu, Kagawa) was relocated, and the Mugi Branch (Kaifu District, Tokushima) was newly constructed and relocated.」
The relocation of the Takamatsu Branch and the new construction and relocation of the Mugi Branch were completed. Total capital investment for the current consolidated fiscal year was ¥2.1 billion, including ¥1.4 billion in software investment, indicating that improvements to the branch network and IT channels had reached the implementation stage. - FY2017-Q3AdvancedAnnual report
「The new construction, expansions and renovations completed during the first 3 quarters of the current consolidated fiscal year are as follows.」
The relocation of the Takamatsu Branch was completed in December 2016. The investment amounted to ¥106 million, demonstrating a specific completed initiative to strengthen the branch network. - FY2017-Q2RestatedAnnual report
「The bank plans to construct and relocate the Head Office Sales Department, but the planned construction cost and other details have not yet been determined.」
The bank describes a plan to construct and relocate the Head Office Sales Department as part of its branch investment, but the cost and other details have not been determined, and the project has not been completed. - FY2017-Q1RestatedAnnual report
「Under the management plan “Sparkle 125th,” which began this fiscal year, the bank plans to rebuild sales offices and make renewal investments in office equipment and other facilities to strengthen sales and improve customer convenience.」
In connection with strengthening the branch network and customer touchpoints, the bank states that it plans to rebuild sales branches and invest in upgrading office equipment. As these are plans rather than completed projects, this was classified as reaffirmation rather than progress. - FY2016First statedAnnual report
「Specifically, in addition to strengthening our network centered on branches inside and outside the prefecture, we will use IT to diversify the channels that serve as touchpoints with customers」
The bank has identified strengthening its branch network and diversifying channels through the use of IT as specific measures to expand customer touchpoints.