Establishing a solid management base to support sustainable and stable growth
First written in FY2018. 6 of 8 entries say "Advanced", first in FY2019. Latest entry: FY2025.
The whole theme swung hardest in 2024: 7 of 41 companies on the "Worse" side.
17 other companies' latest entry also says "Advanced".
- FY2025AdvancedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.32% from the previous fiscal year to 9.02%. This was well above the 4% required under the domestic standard. This resulted from efforts to rigorously control risk-weighted assets in pursuit of the target under the medium-term management plan, the “Fourth Mirai Creation Plan,” of a capital adequacy ratio of at least 8%.」
On the financial side of the management base, the consolidated capital ratio rose to 9.02%, exceeding the Fourth Mirai Creation Plan's target of 8% or higher. - FY2024ReframedAnnual report
「Against this backdrop, in addition to providing funding support, we will provide diverse support to businesses, including business restructuring and revitalisation support, while helping customers build assets by proposing financial products and housing loans suited to their life events. Through these initiatives, we will put into practice our business model of supporting customers' core businesses and making optimal proposals, enhance our human resources capabilities through management and operational transformation driven by our people, and work to increase corporate value, with the aim of becoming “your main bank, always there to meet and talk with you.”」
Organises the new plan around establishing the management base by linking it not only to conventional financial soundness and digitalisation, but also to management and operational transformation driven by human resources, customer support and increased corporate value. - FY2023AdvancedAnnual report
「The consolidated capital ratio (Basel III domestic standards) declined 0.14% year on year to 8.71%. This was well above the 4% required under domestic standards. This resulted from the Company's efforts to rigorously control risk-weighted assets in order to achieve the target of a capital ratio of 8% or higher under the medium-term management plan, the “Third Mirai Creation Plan.”」
The consolidated capital ratio, an indicator of the management base, was 8.71%, exceeding the target of 8% or higher under the Third Mirai Creation Plan. - FY2022AdvancedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.48 percentage points from the previous fiscal year to 8.85%. This was well above the 4% required under the domestic standard. This resulted from efforts to rigorously control risk-weighted assets in pursuit of the target under the medium-term management plan, the “Third Mirai Creation Plan,” of a capital adequacy ratio of at least 8%.」
The consolidated capital ratio, an indicator of the financial base, rose to 8.85%, exceeding the Third Plan's target of 8% or higher. - FY2021AdvancedAnnual report
「In addition to strengthening employee development to implement these initiatives, we will advance digitalization, including expanding non-face-to-face services, and review our branch network and improve operational efficiency to respond flexibly to changes in the environment.」
Links the development of the management base to specific measures including human resources development, non-face-to-face services, digitalisation, a review of the branch network and operational efficiency improvements. - FY2020AdvancedAnnual report
「The medium-term management plan launched in April 2018, the “Second Mirai Creation Plan,” will reach its final fiscal year in FY2020. Positioned as the second stage of the management vision, “Fulfilling dreams and creating the future of the region,” the plan has focused on deepening activities under the Company's business model of “support for customers' core businesses and optimal proposals,” building the solid management base that supports those activities, and strengthening employee development.」
As the Second Mirai Creation Plan entered its final fiscal year, FY2020, it explicitly set out the stage of deepening the business model, building the management base and developing employees. - FY2019AdvancedAnnual report
「In this environment, we recognize that, in order for the Company to support customers' growth and development as a "life partner that can genuinely serve our customers," it is necessary to further deepen our current business model of "core-business support and optimal proposals," build a robust management foundation to support it, and strengthen employee development.」
Gives concrete form to the priority objective of establishing a management base by linking it to the two-pronged strategy, deeper support for customers' core businesses and more optimal proposals, and employee development. - FY2018First statedAnnual report
「Accordingly, the new medium-term management plan, the “Second Mirai Creation Plan,” identifies the following 3 priority objectives. ② Establishing a solid management base to support sustainable and stable growth」
For the first time, the new medium-term plan explicitly identifies establishing a management base to support sustainable and stable growth as a standalone priority objective.