Advancing Business Performance and Improving Management Efficiency
First written in FY2017-Q3. 21 of 31 entries say "Advanced", first in FY2017. Latest entry: FY2026.
The Bank Of Saga moved to the "Worse" side of this theme in 2026, 4 years after the typical company in this theme (2022).
The whole theme swung hardest in 2025: 18 of 108 companies on the "Worse" side.
14 other companies' latest entry also says "Other".
- FY2026Increase in operating expensesAnnual report
「Operating expenses 20,120 21,223」
Operating expenses increased from ¥20,120 million in the previous fiscal year to ¥21,223 million. They increased again after declining in FY2025. - 2026-05-12WorsenedEarnings
「Operating expenses 20,120 21,223」
Operating expenses increased from ¥20.120 billion in the previous fiscal year to ¥21.223 billion, reversing the decline recorded in the previous year. - FY2026-H1Increase in operating expensesAnnual report
「Operating expenses 10,112 10,305」
Operating expenses for the current interim period increased by ¥193 million from ¥10,112 million in the same period of the previous year to ¥10,305 million. Operating expenses, which had decreased for FY2025 as a whole, turned higher in the interim-period comparison. - FY2025AdvancedAnnual report
「Operating expenses 20,394 20,120」
Operating expenses decreased from ¥20,394 million in the previous fiscal year to ¥20,120 million, reversing in FY2025 the increase recorded in FY2024. - FY2025-H1AdvancedAnnual report
「Operating expenses 10,338 10,112」
Operating expenses for the current interim period decreased by ¥226 million from ¥10,338 million in the same period of the previous year to ¥10,112 million. Operating expenses, which had increased in FY2024 as a whole, turned lower in the interim-period comparison. - FY2024Increase in operating expensesAnnual report
「Operating expenses 19,903 20,394」
Operating expenses increased from ¥19,903 million in the previous fiscal year to ¥20,394 million. This result differs from the declining trend in operating expenses that had continued from the previous fiscal year. - FY2024-Q3Increase in operating expensesAnnual report
「Operating expenses 14,942 15,462」
Operating expenses for the nine-month period of the current third quarter of the consolidated fiscal year increased by ¥520 million from ¥14,942 million in the same period of the previous year to ¥15,462 million. This result, like that through the previous quarter, differs from the declining trend in operating expenses. - FY2024-Q2Increase in operating expensesAnnual report
「Operating expenses 10,105 10,338」
Operating expenses for the current interim period increased by ¥233 million from ¥10,105 million in the same period of the previous year to ¥10,338 million, marking a result different from the declining trend in operating expenses for the second consecutive quarter. - FY2024-Q1Increase in operating expensesAnnual report
「Operating expenses 5,048 5,263」
Operating expenses for the current first quarter increased from ¥5,048 million in the same period of the previous year to ¥5,263 million. This quarterly result differs from the previously reported trend of declining operating expenses. - FY2023AdvancedAnnual report
「Ordinary expenses increased by ¥3,279 million from the previous fiscal year to ¥32,657 million. Although other ordinary expenses decreased by ¥1,993 million, mainly due to a decrease in the provision for allowance for loan losses and operating expenses decreased by ¥499 million, funding costs increased by ¥2,077 million and other operating expenses increased by ¥3,692 million due to higher losses on sales of Japanese government bonds and other bonds associated with the portfolio restructuring described above.」
Operating expenses decreased by ¥499 million year on year, indicating progress in efficiency on the expense side. However, total ordinary expenses increased due to higher funding costs and expenses related to portfolio restructuring. - FY2023-Q3AdvancedAnnual report
「Operating expenses 15,454 14,942」
Operating expenses for the nine-month period of the current third quarter of the consolidated fiscal year decreased by ¥512 million from ¥15,454 million in the same period of the previous year to ¥14,942 million. Operating expense reductions have continued. - FY2023-Q2AdvancedAnnual report
「Operating expenses 10,303 10,105」
Operating expenses for the current interim period decreased by ¥198 million from ¥10,303 million in the same period of the previous year to ¥10,105 million. Ordinary expenses also decreased by ¥1,542 million year on year, indicating improvement in expenses related to efficiency efforts. - FY2023-Q1AdvancedAnnual report
「Ordinary expenses decreased by ¥195 million year on year to ¥8,152 million, due to lower other ordinary expenses resulting from the allowance for loan losses shifting from a provision to a reversal, as well as lower operating expenses and other factors.」
Operating expenses decreased from ¥5,157 million in the same period of the previous year to ¥5,048 million, while ordinary expenses decreased by ¥195 million year on year. Improvement in expenses related to management efficiency has continued. - FY2022AdvancedAnnual report
「Ordinary expenses decreased by ¥16 million from the previous fiscal year to ¥29,378 million, as the ¥932 million increase in the provision for allowance for loan losses was offset by a ¥1,828 million decrease in operating expenses and other factors.」
Efficiency measures including BPR have continued, and operating expenses for the current fiscal year decreased by ¥1,828 million from the previous fiscal year. - FY2022-Q3AdvancedAnnual report
「Operating expenses 16,640 15,454」
Operating expenses for the nine-month period of the current third quarter of the consolidated fiscal year decreased by ¥1,186 million from ¥16,640 million in the same period of the previous year to ¥15,454 million. Improvement in expenses related to management efficiency has continued. - FY2022-Q2AdvancedAnnual report
「Operating expenses 11,135 10,303」
Operating expenses for the current interim period decreased from ¥11,135 million in the same period of the previous year to ¥10,303 million. Although other ordinary expenses increased due to the provision for allowance for loan losses and other factors, the company disclosed actual reductions in operating expenses. - FY2022-Q1AdvancedAnnual report
「Ordinary expenses decreased by ¥283 million year on year to ¥8,347 million, as lower operating expenses and other factors outweighed increases in other ordinary expenses, including an increase in the provision for allowance for loan losses.」
Operating expenses decreased from ¥5,585 million in the same period of the previous year to ¥5,157 million, while ordinary expenses decreased by ¥283 million year on year. Improvement in expenses related to efficiency efforts has continued. - FY2021AdvancedAnnual report
「To further accelerate these efforts, we established the DI (Digital Innovation) Division in April 2021. We will work to revamp customer touchpoints through digital innovation, achieve further efficiency improvements in internal operations, and quickly establish a hybrid business model combining people and digital technology.」
In addition to efficiency improvements through the existing Productivity Planning Department and BPR, the Bank established the DI Division and moved to a framework promoting revamped customer touchpoints, more efficient internal operations and a hybrid business model. - FY2021-Q3AdvancedAnnual report
「Ordinary expenses decreased by ¥524 million year on year to ¥27,042 million, due to lower other operating expenses resulting from reduced foreign exchange trading losses, as well as lower operating expenses and other factors.」
Operating expenses decreased from ¥17,107 million in the same period of the previous year to ¥16,640 million. Improvement in expenses related to management efficiency has continued. - FY2021-Q2AdvancedAnnual report
「Ordinary expenses decreased by ¥247 million year on year to ¥18,444 million, due to lower other operating expenses resulting from reduced foreign exchange trading losses, as well as lower operating expenses and other factors.」
Operating expenses decreased from ¥11,400 million in the same period of the previous year to ¥11,135 million, while ordinary expenses decreased by ¥247 million year on year. Improvement in expenses related to management efficiency has continued. - FY2021-Q1AdvancedAnnual report
「Operating expenses 5,611 5,585」
Operating expenses decreased by ¥26 million from ¥5,611 million in the same period of the previous year to ¥5,585 million. Improvement in expenses related to management efficiency has continued. - FY2020AdvancedAnnual report
「As part of these efforts, in April 2020 we launched an all-Bank initiative, the Branch BPR Project. Through this project, we are pursuing fundamental efficiency improvements in branch operations, strengthening customer engagement by increasing the volume and improving the quality of sales activities, and building a highly productive sales framework.」
In addition to the existing head-office BPR, the Bank began branch BPR in April 2020. Operating expenses in FY2019 decreased from ¥23,323 million in the previous fiscal year to ¥22,704 million, and the company also reports actual efficiency gains. - FY2020-Q3AdvancedAnnual report
「Ordinary expenses decreased by ¥4,409 million year on year to ¥27,566 million, due to lower other operating expenses resulting from reduced losses on sales of Japanese government bonds and other bonds, as well as lower operating expenses and other factors.」
Ordinary expenses for the nine-month period of the current third quarter of the consolidated fiscal year decreased by ¥4,409 million year on year due to lower losses on sales of Japanese government bonds and other bonds and lower operating expenses. Operating expenses also decreased from ¥17,404 million in the same period of the previous year to ¥17,107 million. - FY2020-Q2AdvancedAnnual report
「Ordinary expenses decreased by ¥3,541 million year on year to ¥18,691 million, due to lower other operating expenses resulting from reduced losses on sales of Japanese government bonds and other bonds, as well as lower operating expenses.」
Ordinary expenses decreased by ¥3,541 million year on year, mainly due to lower operating expenses. Operating expenses decreased from ¥11,655 million in the same period of the previous year to ¥11,400 million, demonstrating the impact of management efficiency efforts on expenses. - FY2020-Q1AdvancedAnnual report
「Ordinary expenses decreased by ¥69 million year on year to ¥8,864 million, mainly due to lower operating expenses.」
Ordinary expenses decreased by ¥69 million year on year, mainly due to lower operating expenses. Operating expenses decreased from ¥5,725 million in the same period of the previous year to ¥5,611 million, indicating numerical progress in management efficiency. - FY2019-Q2RestatedAnnual report
「Amid these economic conditions, all group officers and employees have worked together to further improve business performance and enhance management efficiency.」
The company continues to indicate its intention to improve business performance and management efficiency, but does not describe any new specific measures or targets. - FY2018AdvancedAnnual report
「Since February 2018, we have been undertaking business process re-engineering (BPR) for head-office operations, with the aim of fundamentally reviewing those operations and achieving efficiency improvements equivalent to 30% of head-office workload. By improving operational efficiency, we will further strengthen our ability to engage with customers, build highly productive operations and move to a new stage of growth, while proceeding with the formulation of the next 16th Medium-Term Management Plan.」
The existing productivity-improvement policy has been translated into BPR for head-office operations, with a target of improving efficiency equivalent to 30% of head-office workload. The Bank has also begun formulating its next 16th Medium-Term Management Plan. - FY2018-Q2RestatedAnnual report
「Amid these economic conditions, all group officers and employees have worked together to further improve business performance and enhance management efficiency. Ordinary income decreased by ¥304 million year on year to ¥2,044 million, mainly because losses on sales of Japanese government bonds and other bonds associated with the review of the securities portfolio were recorded, despite an increase in gains on reversal of allowance for loan losses and a decrease in expenses.」
The company continues to pursue improved business performance and management efficiency. Lower expenses supported profit, but ordinary income decreased by ¥304 million year on year due to losses on sales of securities and other factors. - FY2018-Q1AdvancedAnnual report
「Although losses on sales of bonds, including Japanese government bonds, of approximately ¥1,000 million related to a review of the securities portfolio were recognised ahead of schedule, ordinary profit increased by ¥864 million year on year to ¥1,638 million due to an increase in reversal gains on the allowance for loan losses and reductions resulting from efforts to control operating expenses. Quarterly net income attributable to owners of the parent increased by ¥1,019 million year on year to ¥1,573 million.」
The company cites cost reductions resulting from efforts to reduce operating expenses as a factor behind improved business performance. Operating expenses decreased from ¥5,897 million in the same period of the previous year to ¥5,751 million. - FY2017AdvancedAnnual report
「As part of these efforts, in April 2016 we elevated the Productivity Improvement Project Team and established the Productivity Planning Department as an organization directly under the President. We strengthened the framework for improving productivity throughout the Bank in all areas. In October 2016, we also established the For “S” Project Team within the Productivity Planning Department and have been promoting productivity improvement initiatives from the branch network.」
The Bank has translated its existing management-efficiency policy into organizational measures, including the establishment of the Productivity Planning Department directly under the President and a project team on the branch side. - FY2017-Q3First statedAnnual report
「Amid these economic conditions, all group officers and employees have worked together to further improve business performance and enhance management efficiency.」
The company indicates its intention to improve business performance and management efficiency, but does not state any specific measures or numerical targets.