Komori
The Bank Of Saga (8395) · InitiativeAdvanced

Enhancing Customer Convenience through Personal Plaza Centers and Off-Site ATMs

First written in FY2016. 10 of 11 entries say "Advanced", first in FY2017. Latest entry: FY2026.

11entries
11years
1from disclosures
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How it moved
ProgressHeldSoftenedWorseAdvancedFY2017 – FY20262016: 120162017: 120172018: 120182019: 020192020: 120202021: 120212022: 120222023: 120232024: 120242025: 120252026: 22026
Same theme, other companies
Reorganisation of financial institution branch networks and diversification of IT channelsA theme 6 companies write about · 0 as a headwind · 6 as a tailwind

The whole theme swung hardest in 2020: 1 of 6 companies on the "Worse" side.

3 other companies' latest entry also says "Advanced".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Full recordFilings, disclosures and news, newest first
  1. FY2026AdvancedAnnual report

    「For staffed branches, in April 2025 the Bank upgraded 3 sub-branches in Saga Prefecture, Inaimichi Sub-Branch, Nakabaru Sub-Branch and Kusuku Sub-Branch, to branches, establishing a new sales structure.」

    3 sub-branches were upgraded to branches, resulting in 75 staffed head and branch offices, 28 sub-branches and 61 off-site ATMs at fiscal year-end.
  2. 2026-05-12AdvancedEarnings

    「For staffed branches, in April 2025 the Bank upgraded 3 sub-branches in Saga Prefecture, Inaimichi Sub-Branch, Nakabaru Sub-Branch and Kusuku Sub-Branch, to branches, establishing a new sales structure.」

    The review of the branch network has been put into practice through the promotion of 3 offices to branches and the temporary relocation associated with the rebuilding of Hakozaki Branch.
  3. FY2025AdvancedAnnual report

    「For staffed branches, in March 2025 Yamato-machi Branch and Yamato-machi Branch Kanadate Sub-Branch were relocated and consolidated into the same newly constructed building using the branch-in-branch format. As a result, at the end of the fiscal year the Bank had 72 staffed head and branch offices, 31 sub-branches and 61 unmanned branches, or off-site ATMs.」

    Yamato-machi Branch and Kanadate Sub-Branch were relocated and consolidated, resulting in 72 staffed branches, 31 sub-branches and 61 off-site ATMs at fiscal year-end.
  4. FY2024AdvancedAnnual report

    「As a result, at the end of the fiscal year the Bank had 72 staffed head and branch offices, 31 sub-branches and 62 unmanned branches, or off-site ATMs.」

    The Bank relocated its Tokyo-area office, relocated Nagasaki Branch in preparation for reconstruction, and reopened 1 temporarily closed ATM, updating its channel structure.
  5. FY2023AdvancedAnnual report

    「For staffed branches, in June 2022 Kanzaki Branch, Kanzaki Branch Higashisefuri Sub-Branch, Mitagawa Branch and Kanzaki Branch Chiyodamachi Sub-Branch were relocated and consolidated into the same newly constructed building using the branch-in-branch format. In September 2022, Takeo Branch Mimasaka Sub-Branch was consolidated into Takeo Branch using the branch-in-branch format. The Bank also established 3 unmanned branches, or off-site ATMs, and closed 4.」

    Branch relocation and consolidation and the establishment and closure of ATMs progressed, resulting in 72 staffed head and branch offices, 31 sub-branches and 65 off-site ATMs at fiscal year-end.
  6. FY2022AdvancedAnnual report

    「As a result, at the end of the fiscal year the Bank had 72 staffed head and branch offices, 31 sub-branches and 66 unmanned branches, or off-site ATMs, excluding 1 temporarily closed location.」

    The Bank relocated to a branch specializing in individual customers, consolidated multiple branches using the branch-in-branch format, relocated branches into municipal government buildings, and established 3 ATMs and closed 14, updating its channel structure.
  7. FY2021AdvancedAnnual report

    「In February 2021, Watanabe-dori Branch was relocated into Fukuoka Branch, and in March 2021, Gofukumachi Branch was relocated into the Head Office Sales Department using the branch-in-branch format. The Bank also established 2 unmanned branches, or off-site ATMs, and closed 11.」

    Branch consolidation and the establishment and closure of ATMs progressed, resulting in 72 staffed head and branch offices, 31 sub-branches and 78 off-site ATMs at fiscal year-end.
  8. FY2020AdvancedAnnual report

    「For staffed branches, Tosu Branch Asahi Sub-Branch was relocated into Tosu Branch in October 2019, and Kase-machi Branch and Kase-machi Branch Kubota Sub-Branch were relocated into Yoka-machi Branch in November 2019 using the branch-in-branch format.」

    The Bank relocated and consolidated staffed branches and established and closed unmanned ATMs, resulting in 72 staffed head and branch offices, 31 sub-branches and 87 off-site ATMs at fiscal year-end.
  9. FY2018AdvancedAnnual report

    「In March 2018, Omachi Branch was reclassified as the Omachi Sub-Branch of Kitagata Branch. At the end of the fiscal year, the Bank had 82 staffed head and branch offices, 21 sub-branches and 102 off-site ATMs.」

    The Bank reclassified certain branches and updated the composition of head and branch offices, sub-branches and off-site ATMs at the end of the fiscal year.
  10. FY2017AdvancedAnnual report

    「As a result, at the end of the fiscal year the Bank had 83 staffed head and branch offices, 20 sub-branches and 106 off-site ATMs.」

    The Bank relocated Takeo Branch to a newly constructed building and relocated and consolidated Takeo-Nishi Branch, consolidated and made sub-branches unmanned, installed ATMs supporting cards issued overseas, and established new unmanned ATMs.
  11. FY2016First statedAnnual report

    「As at the 5 Personal Plazas opened to date, the Bank accepts deposits and withdrawals, transfers, notifications and various loan applications at counters after 3 p.m. on weekdays and on Saturdays, Sundays and public holidays, working to further enhance customer convenience as an operating base on non-business days.」

    The Bank is reorganizing its channels by combining extended business hours, branch consolidation and the establishment of unmanned ATMs, and plans to open 1 Personal Plaza in Fukuoka Prefecture from FY2016 onward.
Moved together

"Initiatives for Regional Revitalization and Local Industry Activation" moved the same way as this thread, in the same document, in 10 of its 11 moves.

1099887★123456
  1. ★This thread
  2. 1Initiatives for Regional Revitalization and Local Industry Activation10×
  3. 2Supporting Client Growth through Business Viability Assessments9×
  4. 3Expansion of non-face-to-face services, including online accounts and web-based loan contracts9×
  5. 4Expansion of Deposit and Loan Balances8×
  6. 5Fiduciary Duty and Support for Asset Building8×
  7. 6Grant of Stock Options to Directors7×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
The Bank Of Saga's next results are scheduled for 2026-11-06. Read the earnings preview It last moved in the Earnings of 2026-05-12: "Advanced".
News
No news is linked to this thread yet. When an article touches it, it will appear here by date.