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Bank of The Ryukyus,Limited (8399) · InitiativeAdvanced

Stimulating funding demand through financing that supports business partners' growth

First written in FY2016. 23 of 31 entries say "Advanced", first in FY2017-Q2. Latest entry: 2026-08-14.

31entries
11years
2from disclosures
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How it moved
ProgressHeldSoftenedWorseAdvancedFY2020-Q3 – FY2022AdvancedFY2024-Q3 – 2026-08-142016: 220162017: 320172018: 420182019: 320192020: 320202021: 420212022: 320222023: 320232024: 220242025: 120252026: 32026
Same theme, other companies
Regional Finance and Local Economic Revitalization Centered on Support for SMEsA theme 11 companies write about · 0 as a headwind · 12 as a tailwind

The whole theme swung hardest in 2018: 2 of 8 companies on the "Worse" side.

4 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. 2026-08-14AdvancedEarnings

    「貸出金(末残)は、住宅ローンを中心に個人向け貸出が増加し、法人向け貸出も県外シンジケートローンの取組強化や県内事業資金の需要回復等により増加したことから、前年同期末を1,020億円、前年度末を12億円上回る2兆1,117億円となりました。」

    個人向け・法人向け貸出の増加により、貸出金残高が前年同期末および前年度末を上回った。
  2. FY2026AdvancedAnnual report

    「The period-end loan balance was ¥2.079733 trillion, ¥99.616 billion higher than at the end of the previous consolidated fiscal year, reflecting increases in lending to corporations in the prefecture and housing loans.」

    The loan balance increased by ¥99.616 billion from the end of the previous fiscal year, exceeding ¥2 trillion, driven by increases in lending to corporations in the prefecture and housing loans.
  3. 2026-05-12AdvancedEarnings

    「The period-end loan balance was ¥2.079733 trillion, ¥99.616 billion higher than at the end of the previous consolidated fiscal year, reflecting increases in lending to corporations in the prefecture and housing loans.」

    県内法人向け貸出や住宅ローン等の増加により、貸出金残高が前年度末比で増加した。
  4. FY2026-H1AdvancedAnnual report

    「Loans increased by ¥31.445 billion from the end of the previous fiscal year to ¥2.011562 trillion.」

    The loan balance increased by ¥31.445 billion from the end of the previous fiscal year, exceeding ¥2 trillion.
  5. FY2024AdvancedAnnual report

    「The loan balance at the end of the period was ¥1,881,946 million, an increase of ¥53,886 million from the end of the previous consolidated fiscal year, as individual loans, mainly housing loans, remained strong and corporate loans increased with the recovery in demand for business funding in the prefecture.」

    In addition to housing loans, the increase in corporate loans due to the recovery in demand for business funding in the prefecture resulted in a ¥53,886 million increase in the loan balance from the end of the previous fiscal year.
  6. FY2024-Q3AdvancedAnnual report

    「Loans totaled ¥1,839,907 million, an increase of ¥11,847 million from the end of the previous consolidated fiscal year, as individual loans, mainly housing loans, remained strong and corporate loan balances increased with the recovery in funding demand.」

    In addition to strong individual loans, the recovery in corporate funding demand increased the loan balance by ¥11,847 million from the end of the previous fiscal year.
  7. FY2024-Q2Interim-period loan balance declineAnnual report

    「Loans totaled ¥1,809,883 million, a decrease of ¥18,176 million from the end of the previous consolidated fiscal year, as the decline in corporate loan balances due to repayments and other factors outweighed the strength of individual loans, mainly housing loans.」

    While loans to individuals, mainly housing loans, remained strong, repayments and other factors affecting corporate loans resulted in an ¥18,176 million decrease in total loans from the end of the previous fiscal year.
  8. FY2024-Q1First-quarter loan balance declineAnnual report

    「Loans totaled ¥1,812,221 million, a decrease of ¥15,837 million from the end of the previous consolidated fiscal year, as the decline in corporate loan balances due to repayments from surplus funds outweighed the strength of individual loans, mainly housing loans.」

    While loans to individuals, mainly housing loans, remained strong, corporate loans declined due to repayments from surplus funds and other factors, resulting in a ¥15,837 million decrease in total loans from the end of the previous fiscal year.
  9. FY2023-Q3AdvancedAnnual report

    「Loans totaled ¥1,812,810 million, an increase of ¥8,395 million from the end of the previous consolidated fiscal year, due mainly to growth in corporate loans and housing loans.」

    Loans, mainly corporate loans and housing loans, increased, representing an ¥8,395 million increase in funding from the end of the previous fiscal year.
  10. FY2023-Q1First-quarter loan balance declineAnnual report

    「Loans totaled ¥1,799,269 million, a decrease of ¥5,144 million from the end of the previous consolidated fiscal year, as the decline in corporate loan balances due to repayments from surplus funds outweighed the strength of individual loans, mainly housing loans.」

    While loans to individuals, mainly housing loans, remained strong, corporate loans declined due to repayments from surplus funds and other factors, resulting in a ¥5,144 million decrease in total loans from the end of the previous fiscal year.
  11. FY2022AdvancedAnnual report

    「Going forward, we will seek to understand customers' diverse needs by strengthening in-depth communication with them based on business viability assessments, while working to strengthen our ability to propose various solutions to address their issues.」

    It continued to propose solutions based on business viability assessments, with the number of proposals reaching 6,341.
  12. FY2022-Q3AdvancedAnnual report

    「Loans totaled ¥1,809,201 million, an increase of ¥30,310 million from the end of the previous consolidated fiscal year, due mainly to growth in housing loans.」

    Loans, mainly housing loans, increased by ¥30,310 million from the end of the previous fiscal year, bringing the loan balance to ¥1,809,201 million.
  13. FY2022-Q2AdvancedAnnual report

    「Loans totaled ¥1,800,290 million, an increase of ¥21,399 million from the end of the previous consolidated fiscal year, due to increases in loans to local governments and housing loans.」

    The loan balance increased by ¥21,399 million from the end of the previous fiscal year due to increases in loans to local governments and housing loans.
  14. FY2022-Q1AdvancedAnnual report

    「Loans totaled ¥1,786,129 million, an increase of ¥7,238 million from the end of the previous consolidated fiscal year, due mainly to COVID-19 response loans to support businesses' cash flow.」

    Loans increased by ¥7,238 million from the end of the previous fiscal year, mainly due to COVID-19 response loans to support businesses' cash flow.
  15. FY2021AdvancedAnnual report

    「Loans totaled ¥1,778,890 million, an increase of ¥55,357 million from the end of the previous consolidated fiscal year, due to growth mainly in COVID-19 response loans to support businesses' cash flow and housing loans.」

    Loans, mainly COVID-19 response loans and housing loans, increased by ¥55,357 million from the end of the previous fiscal year, indicating further progress in funding.
  16. FY2021-Q3AdvancedAnnual report

    「Loans totaled ¥1,767,157 million, an increase of ¥43,624 million from the end of the previous consolidated fiscal year, due to growth mainly in COVID-19 response loans and housing loans.」

    Loans increased mainly through COVID-19 response loans and housing loans, rising by ¥43,624 million from the end of the previous fiscal year.
  17. FY2021-Q2AdvancedAnnual report

    「Loans totaled ¥1,754,947 million, an increase of ¥31,414 million from the end of the previous consolidated fiscal year, due to growth mainly in COVID-19 response loans and housing loans.」

    Loans increased mainly through COVID-19 response loans and housing loans, rising by ¥31,414 million from the end of the previous fiscal year.
  18. FY2021-Q1AdvancedAnnual report

    「Loans totaled ¥1,729,131 million, an increase of ¥5,598 million from the end of the previous consolidated fiscal year, due to growth mainly in COVID-19 response loans and housing loans.」

    Loans increased mainly through COVID-19 response loans and housing loans, rising by ¥5,598 million from the end of the previous fiscal year.
  19. FY2020-Q3AdvancedAnnual report

    「Loans totaled ¥1,709,853 million, an increase of ¥10,993 million from the end of the previous consolidated fiscal year, as housing loans and apartment loans remained strong.」

    Loans, mainly housing loans and apartment loans, increased by ¥10,993 million from the end of the previous fiscal year, indicating progress in funding.
  20. FY2020-Q2Interim-period loan balance declineAnnual report

    「Loans totaled ¥1,697,824 million, a decrease of ¥1,035 million from the end of the previous consolidated fiscal year, as the decline in loans to local governments and corporate construction working-capital loans outweighed the strength of housing loans.」

    While housing loans remained strong, the loan balance at the interim period-end decreased by ¥1,035 million from the end of the previous fiscal year due to declines in loans to local governments and corporate construction working-capital loans.
  21. FY2020-Q1First-quarter loan balance declineAnnual report

    「Loans totaled ¥1,690,953 million, a decrease of ¥7,906 million from the end of the previous consolidated fiscal year, as the decline in loans to local governments and corporate construction working-capital loans outweighed the strength of individual loans, mainly housing loans.」

    Although individual housing loans remained strong, the loan balance decreased by ¥7,906 million from the end of the previous fiscal year due to declines in loans to local governments and corporate construction working-capital loans.
  22. FY2019AdvancedAnnual report

    「Loans totaled ¥1,698,859 million, an increase of ¥98,866 million from the end of the previous consolidated fiscal year, as both corporate loans, mainly equipment loans, and individual loans, mainly housing loans and apartment loans, remained strong.」

    Both corporate and individual loans increased, raising the loan balance by ¥98,866 million from the end of the previous fiscal year.
  23. FY2019-Q2AdvancedAnnual report

    「Loans totaled ¥1,629,380 million, an increase of ¥29,386 million from the end of the previous consolidated fiscal year, as housing loans and apartment loans remained strong.」

    Loans, mainly housing loans and apartment loans, increased by ¥29,386 million from the end of the previous consolidated fiscal year.
  24. FY2019-Q1First-quarter loan balance updateAnnual report

    「Among major accounts, deposits and other deposits, including negotiable certificates of deposit, increased by ¥48,696 million from the end of the previous consolidated fiscal year to ¥2,156,508 million, as personal and public-sector deposits remained strong. Loans to individuals, mainly housing loans and apartment loans, remained strong, but corporate loans declined due to seasonal factors, including a decrease in construction working-capital loans, resulting in a ¥58 million decrease from the end of the previous consolidated fiscal year to ¥1,599,935 million.」

    While loans to individuals, mainly housing loans and apartment loans, remained strong, corporate loans declined due to seasonal factors, resulting in a ¥58 million decrease in total loans from the end of the previous fiscal year.
  25. FY2018AdvancedAnnual report

    「Loans totaled ¥1,599,993 million, an increase of ¥88,873 million from the end of the previous consolidated fiscal year, as loans to individuals, mainly housing loans and apartment loans, remained strong.」

    Loans to individuals, mainly housing loans and apartment loans, increased, raising the loan balance by ¥88,873 million from the end of the previous fiscal year.
  26. FY2018-Q3AdvancedAnnual report

    「Loans totaled ¥1,550,524 million, an increase of ¥39,404 million from the end of the previous consolidated fiscal year, as housing loans and apartment loans remained strong.」

    Loans, mainly housing loans and apartment loans, increased by ¥39,404 million from the end of the previous consolidated fiscal year, exceeding the ¥18,176 million increase in the previous interim period.
  27. FY2018-Q2AdvancedAnnual report

    「Loans totaled ¥1,529,296 million, an increase of ¥18,176 million from the end of the previous consolidated fiscal year, as housing loans and apartment loans remained strong.」

    Loans, mainly housing loans and apartment loans, increased by ¥18,176 million from the end of the previous consolidated fiscal year at the interim period-end, indicating progress in funding for business partners.
  28. FY2017AdvancedAnnual report

    「Loans totaled ¥1,511,119 million, an increase of ¥64,143 million from the end of the previous consolidated fiscal year, as loans to individuals, mainly housing loans and apartment loans, remained strong.」

    Loans to individuals, mainly housing loans and apartment loans, remained strong, increasing the loan balance by ¥64,143 million from the end of the previous fiscal year.
  29. FY2017-Q3RestatedAnnual report

    「Under its corporate business strategy, we supported business partners in obtaining "Local Halal Certification" through collaboration with 株式会社MHC, one of our partner companies. In addition to supporting growth through investments and loans by the Okinawa Revitalization Fund, we concluded an agreement with Okinawa City on cooperation and collaboration in supporting business startups and start-ups, strengthening initiatives that contribute to the promotion of industries in the prefecture and the development of the local community.」

    It restates existing measures to support business partner growth without changing their substance.
  30. FY2017-Q2AdvancedAnnual report

    「Under its corporate business strategy, we supported business partners in obtaining "Local Halal Certification" through collaboration with 株式会社MHC, one of our partner companies. In addition to supporting growth through investments and loans by the Okinawa Revitalization Fund, we concluded an agreement with Okinawa City on cooperation and collaboration in supporting business startups and start-ups, strengthening initiatives that contribute to the promotion of industries in the prefecture and the development of the local community.」

    It implemented specific growth-support measures, including support for business partners seeking certification, investments and loans by the Okinawa Revitalization Fund, and the agreement on support for business startups and start-ups.
  31. FY2016First statedAnnual report

    「Based on our understanding of our business partners' operations, we will provide ample funding that supports their growth and improve overall profitability by also meeting the needs of related parties that support them, including suppliers, customers, and employees.」

    As one of the priority issues for fiscal 2016, it set out improving overall profitability through funding for business partners and related parties.
Moved together

"Diversification of Revenue Sources and Expansion of Business Scope" moved the same way as this thread, in the same document, in 11 of its 31 moves.

11119876★123456
  1. ★This thread
  2. 1Diversification of Revenue Sources and Expansion of Business Scope11×
  3. 2Risk of Decline in Capital Adequacy Ratio11×
  4. 3Credit Concentration Risk in the Okinawa Prefectural Economy and Specific Industries9×
  5. 4Improving Productivity through IT Utilization and Systems Investment8×
  6. 5Risk from changes in assumptions underlying retirement benefit obligations and pension assets7×
  7. 6Enhancing Customer Value Through Stronger Front-Line Capabilities6×

★ 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.

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Stimulating funding demand through financing that supports business partners' growth | Bank of The Ryukyus,Limited (8399) | Komori