Strengthening Business Viability Assessments and Management Support
First written in FY2016. 4 of 11 entries say "Restated". Latest entry: FY2026.
The whole theme swung hardest in 2017: 1 of 11 companies on the "Worse" side.
2 other companies' latest entry also says "Restated".
- FY2026RestatedAnnual report
「To resolve challenges surrounding the commercial flows of local businesses, the Innovation Promotion Office assigns specialists by specific theme and industry and conducts consulting, matching services and seminars, both inside and outside the Bank, while coordinating with relationship managers at branches.」
The Bank has continued supporting businesses through consulting, matching services and seminars conducted by specialists in coordination with branch personnel. - 2026-05-11AdvancedManagement plan
「We will reorganize our sales structure to provide optimal solutions covering funding, asset management and non-financial fields.」
A structure for sales planning by corporate and individual customer segments was established, giving concrete form to the provision of solutions covering funding, asset management and non-financial fields. - FY2025AdvancedAnnual report
「Operating profit exceeded the plan, mainly because initiatives to support management improvement and provide solutions reduced net credit costs and increased net fees and commissions.」
The Bank cites management improvement support and solution initiatives as factors behind lower net credit costs and higher net fees and commissions, which drove earnings above plan. - FY2025-H1RestatedAnnual report
「We will further enhance solutions for local businesses and strive to provide better proposals.」
The bank has reaffirmed its policy of continuing to provide solutions and proposals for local businesses. - FY2024AdvancedAnnual report
「To resolve challenges surrounding the commercial flows of local businesses, we established the Innovation Promotion Office within the Mirai Support Department in April 2024. We assign specialists by specific theme and industry and coordinate with relationship managers at branches. We provide consulting, matching services and seminars, both inside and outside the Bank.」
In April 2024, the Bank established a specialist department to address commercial-flow challenges and created a structure combining specialist personnel, branches, consulting, matching services and seminars. - FY2022RestatedAnnual report
「To help business customers respond to rapid changes in the operating environment and social values and achieve sustainable growth, we will work with them to examine their management challenges in depth and support proposals and activities aimed at resolving them.」
The Bank has continued its policy of supporting management by examining customers’ management challenges in depth, proposing solutions and supporting their implementation. - FY2021RaisedAnnual report
「To help business customers respond to rapid changes in the operating environment and social values and achieve sustainable growth, we will work with them to examine their management challenges in depth and support proposals and activities aimed at resolving them.」
The Bank has expanded and made more concrete its support measures, including post-COVID support, management improvement assistance, broad-based support to develop regional commercial flows, assignment of highly specialized head-office personnel, and use of heat maps and Kochi Big Advance. - FY2020AdvancedAnnual report
「We will work closely with relevant institutions, first devoting our full efforts to supporting customers’ cash-flow needs, and then supporting their businesses by providing a range of solutions as the economy enters a recovery phase.」
In response to the spread of COVID-19, the Bank specified a phased support approach: prioritize customers’ cash-flow needs, followed by solution provision during the recovery phase. - FY2018RaisedAnnual report
「By deepening our understanding of customers’ businesses more than ever, we will provide proactive support through high-value-added solutions that help resolve issues, as well as financing.」
The bank has strengthened its stated policy on viability-based lending and management support by committing to deeper business understanding and higher-value-added solutions. - FY2017RestatedAnnual report
「Against this backdrop, as a regional financial institution we will take the standpoint of our customers, diligently provide consulting and solutions, and contribute to regional revitalization by providing high-quality financial services.」
The bank has continued to contribute to regional revitalization through consulting and the provision of solutions. - FY2016First statedAnnual report
「We will fulfill our financial intermediation and consulting functions, provide credit and management support with an emphasis on evaluating business viability, and strengthen our ability to propose solutions tailored to customers’ life stages and circumstances.」
The bank describes a policy of considering business viability and customers’ circumstances, rather than relying solely on collateral and financial information, in lending decisions and support.