Financial Intermediation Without Excessive Reliance on Collateral and Guarantees
First written in FY2016. 6 of 9 entries say "Advanced", first in FY2017. Latest entry: FY2025.
3 other companies' latest entry also says "Restated".
- FY2025RestatedAnnual report
「Established the 「Business Growth Support Group」 within headquarters and developed our previous 「business understanding」 initiative into 「business growth support」 aimed at helping customers realise their visions for the future.」
Continued business growth support, developed from business understanding, and support for customers' realisation of their visions for the future. - FY2024AdvancedAnnual report
「Established a new 「Business Growth Support Group」 within headquarters and developed our previous 「business understanding」 initiative into 「business growth support」 aimed at helping customers realise their visions for the future.」
Developed business understanding into business growth support to help customers realise their visions for the future, and established a dedicated group. - FY2023AdvancedAnnual report
「After sharing management challenges with customers through business understanding, we provide support from both financial and non-financial perspectives toward resolving them, including financial support through loans and various funds and the use of external specialist organisations.」
Further developed business understanding into the sharing of management challenges, use of external specialist organisations, and support for solutions from both financial and non-financial perspectives. - FY2022RestatedAnnual report
「Through day-to-day dialogue with customers, we monitor changes in their businesses and work to resolve their challenges by providing solutions such as management improvement support to customers facing declining sales or profits or cash flow problems, thereby helping contain the increase in non-performing loans.」
Continued to understand customers' businesses through dialogue and resolve their challenges through management improvement support and the provision of solutions. - FY2020AdvancedAnnual report
「In addition to providing smooth financial support through loans and various funds, we are working from the starting point of understanding customers' businesses to identify their true needs and challenges and provide the solutions best suited to resolving them.」
Recast the conventional business assessment initiative as 「business understanding」 and linked it to identifying customers' true needs and challenges and providing solutions. - FY2019AdvancedAnnual report
「Primarily supporting companies in Hokkaido through smooth financing, while also strengthening our efforts in 「business assessment」 through dialogue with customers. After sharing their businesses' strengths and challenges, we have worked to provide optimal solutions to build on their strengths and resolve their challenges.」
Strengthened business assessment as an initiative linking dialogue-based sharing of customers' strengths and challenges with the provision of solutions. - FY2018AdvancedAnnual report
「We are strengthening our efforts in 「business assessment」, evaluating customers' businesses and growth potential through dialogue with them, and as part of this initiative, conducting surveys of business customers.」
Strengthened business assessments and advanced issue identification through customer surveys and proposal-based financial intermediation. - FY2017AdvancedAnnual report
「We have established a specialist team for 「business assessment」, evaluating customers' businesses and growth potential through dialogue with them.」
Established a specialist team for business assessment as a concrete initiative to provide financial intermediation without relying on collateral or guarantees. - FY2016First statedAnnual report
「Promoting lending that evaluates customers' businesses without excessive reliance on collateral or guarantees」
Explicitly identified lending based on business assessments as a means of strengthening its financial intermediation function.