Core business support aligned with companies' life stages

「Consolidated total loans increased by ¥17.762 billion from the end of the previous fiscal year to ¥1.075888 trillion, mainly due to increases in lending to businesses and personal loans. The number of business borrowers decreased by 161 from the end of the previous fiscal year to 11,016.」

「貸出金残高は、事業者向けならびに個人ローンが増加したこと等により、当期中に177億円増加して１兆758億円となりました。」

「The balance of loans decreased by ¥3.1 billion from the end of the previous fiscal year to ¥1.055 trillion, mainly because lending to businesses declined due to a decrease in zero-zero loans, while increasing by ¥16.5 billion year on year.」

「Of which: lending to small and medium-sized enterprises (non-consolidated, excluding market-based loans) 402,381 397,949 Number of business borrowers (non-consolidated) 11,532 11,177 Loans increased by ¥11.694 billion from the end of the previous fiscal year, mainly due to an increase in personal loans, including housing loans, to ¥409.980 billion. Total loans increased by ¥22.130 billion from the end of the previous fiscal year to ¥1.058126 trillion. The number of business borrowers decreased by 355 from the end of the previous fiscal year to 11,177.」

「Because the company provided "Core Business Support" to rapidly supply the funds required by client companies affected by the prolonged COVID-19 pandemic and rising raw-material costs and worked to understand their actual conditions, lending to small and medium-sized enterprises excluding market-based loans increased by ¥4.621 billion from the end of the previous fiscal year to ¥402.381 billion. Total loans increased by ¥19.669 billion from the end of the previous fiscal year to ¥1.035995 trillion. The number of business borrowers increased by 74 from the end of the previous fiscal year to 11,532 as a result of implementing sales strategies including the full value of "Core Business Support" and "Optimal Proposals."」

「The balance of loans increased by ¥10.6 billion from the end of the previous fiscal year to ¥1.0269 trillion, mainly due to increases in lending to small and medium-sized enterprises and individuals, and was up ¥20 billion year on year.」

「The balance of loans decreased by ¥1.6 billion from the end of the previous fiscal year to ¥1.0146 trillion, mainly due to a decrease in lending to small and medium-sized enterprises, while increasing by ¥14.1 billion year on year.」

「Because the company provided "Core Business Support" to rapidly supply the funds required by client companies affected by the prolonged COVID-19 pandemic and rising raw-material costs and worked to understand their actual conditions, lending to small and medium-sized enterprises excluding market-based loans increased by ¥15.961 billion from the end of the previous fiscal year to ¥397.760 billion. Total loans increased by ¥23.147 billion from the end of the previous fiscal year to ¥1.016326 trillion. The number of business borrowers increased by 44 from the end of the previous fiscal year to 11,458 as a result of implementing sales strategies including the full value of "Core Business Support" and "Optimal Proposals."」

「Because the company provided "Core Business Support" to rapidly supply the funds required by client companies affected by the spread of COVID-19 and worked to understand their actual conditions, lending to small and medium-sized enterprises excluding market-based loans increased by ¥9.342 billion from the end of the previous fiscal year to ¥381.798 billion. Total loans increased by ¥7.577 billion from the end of the previous fiscal year to ¥993.178 billion. The number of business borrowers increased by 188 from the end of the previous fiscal year to 11,414 as a result of implementing sales strategies including the full value of "Core Business Support" and "Optimal Proposals."」

「In addition to the business model activities "Core Business Support" and "Optimal Proposals," the company has added "Management Improvement Support" and will advance initiatives to protect the regional economy and local employment by supporting businesses.」

「As a result, the number of business borrowers, which forms the foundation for stable growth, increased 28% compared with 5 years ago when the "Core Business Support and Optimal Proposals" activities began, while outstanding loans to small and medium-sized enterprises increased 23%, demonstrating steady progress.」

「Based on this understanding and the results of the previous medium-term management plan, the second year of the medium-term management plan "Second Mirai Regional Development Plan" in fiscal 2019 is pursuing a "two-pronged strategy" across the entire organization as the second phase of Core Business Support. This adds "Core Business Support for Finance," which supports customers in strengthening their financial foundations, to "Core Business Support for Business," which aims to improve their ability to generate earnings. Results are steadily emerging, including a smooth increase in the number of agreements concluded for core business support measures such as expanding sales channels and business succession, and the company has received high praise from customers.」

「As part of strengthening group management, the transaction is intended to make Tomato Lease Co., Ltd. a wholly owned subsidiary, further strengthen the solutions available for deploying our Core Business Support business model, enhance earnings power on a consolidated basis, and increase the corporate value of the group.」

「As part of strengthening group management, the transaction is intended to make Tomato Lease Co., Ltd. a wholly owned subsidiary, further strengthen the solutions available for deploying our Core Business Support business model, enhance earnings power on a consolidated basis, and increase the corporate value of the group.」

「Under the previous medium-term management plan, "Tomato Mirai Regional Development Plan: Challenge to Evolution 2018," the company laid the foundation for further growth by establishing the business model activities "Core Business Support" and "Optimal Proposals," which embodied the strategy of "understanding customers deeply and standing firmly alongside them," and exceeding 10,000 business borrowers.」

「Going forward, the company will further strengthen its sales activities centered on "Core Business Support and Optimal Proposals," while working to increase the number of firm main banking relationships and expand its regional market share.」

「In April 2016, the company introduced the "Core Business Support Action Account Activity" to strengthen these initiatives. This involves understanding customers' businesses, preparing a "Management Report (Business Viability Assessment Sheet)" based on relationships of trust with customers, and making proposals aimed at resolving future issues, including latent needs beyond their current management challenges. The activity supports client companies in improving their ability to generate earnings and achieving their future visions. In fiscal 2017, the company planned to implement the core business support measures proposed in the management reports in sequence, increase the number of companies for which management reports were prepared to approximately 1,300, and work to become a partner that genuinely benefits its customers.」

「The company is actively pursuing initiatives to further develop "Core Business Support" tailored to corporate customers' life stages from founding through growth and succession, and "Optimal Proposals" providing comprehensive support throughout the lives of individual customers.」

「In particular, as it establishes the "Core Business Support" activities that embody its strategy of "standing firmly alongside customers," the company is making greater use of its consulting capabilities and devoting the efforts of the entire organization to supporting growth areas such as startups and new businesses, healthcare and nursing care, agriculture and overseas expansion by companies, as well as business succession.」