Realizing a Customer-Centric Revenue Model through “Customer Centric 2017”
First written in FY2017. 2 of 5 entries say "Advanced", first in FY2018. Latest entry: FY2022.
No other company in this theme has enough history to compare yet.
- FY2022RestatedAnnual report
「Fiscal 2022, the new consolidated fiscal year, will be the final year of the medium-term management plan “SINKA2020.” To achieve the management objective of “realising a customer-focused revenue model,” we will apply the Group's collective capabilities and work diligently to implement each measure set out in the management plan, thereby seeking to achieve the numerical targets for the final year of the medium-term management plan.」
The management objective of a customer-focused revenue model was reaffirmed as a continuing target for the final year of SINKA2020. - FY2021ReframedAnnual report
「The medium-term management plan “SINKA 2020” identifies its vision as becoming a true leading bank that supports the region at all times and contributes to regional development, regardless of economic conditions.」
“SINKA 2020” began as the successor plan to “Customer Centric 2017,” with a true leading bank that supports the region and a customer-focused revenue model as its new core priorities. - FY2019AdvancedAnnual report
「In the current consolidated fiscal year, net income attributable to owners of the parent, the consolidated capital adequacy ratio and average loans outstanding exceeded the plan figures. Average deposits and other deposits also progressed steadily, as individual, corporate and financial institution deposits remained firm, leaving ¥3.6 billion to reach the target.」
Against the final-year targets of Customer Centric 2017, fiscal 2018 results exceeded the plan figures, with net income attributable to owners of the parent of ¥6.1 billion, a consolidated capital adequacy ratio of 9.07% and average loans outstanding of ¥1.639 trillion. Average deposits and other deposits were ¥2.1564 trillion, leaving ¥3.6 billion to reach the target. - FY2018AdvancedAnnual report
「As the target for fiscal 2019, the final year of the medium-term management plan “Customer Centric 2017,” the Bank set the targets shown below: consolidated net income attributable to owners of the parent of at least ¥5 billion and a consolidated capital adequacy ratio in the 8% range, and on a non-consolidated basis, average loans outstanding of ¥1.6 trillion and average deposits and other deposits, including negotiable certificates of deposit, of ¥2.16 trillion. In the current fiscal year, consolidated net income attributable to owners of the parent and the consolidated capital adequacy ratio exceeded the plan figures. Average loans outstanding increased 5.0% from the end of the previous consolidated fiscal year, mainly owing to increases in housing loans and apartment loans, while average deposits also increased 2.8% year on year, mainly owing to steady growth in individual deposits. We believe the Bank is generally progressing smoothly toward achieving its targets.」
Against the final-year targets, net income attributable to owners of the parent of ¥8.7 billion and a consolidated capital adequacy ratio of 9.4% exceeded the plan figures. Average loans outstanding increased 5.0% from the end of the previous fiscal year, while average deposits increased 2.8% year on year. - FY2017First statedAnnual report
「Under “Customer Centric 2017,” we set “realizing a customer-focused revenue model” as a management goal for providing products and services that customers genuinely need. We will work on the “corporate business strategy,” “individual business strategy,” “channel and marketing reform,” “branch operations reform” and “human resources development reform” to build a business model that addresses the challenges facing the bank.」
The new medium-term management plan, commencing in fiscal 2017, sets the realisation of a customer-focused revenue model as its management objective and uses 5 strategies and reforms as the means of achieving it.