Business model transformation under the Tomato Mirai Sosei Plan
First written in FY2016. 9 of 15 entries say "Advanced", first in FY2017. Latest entry: FY2026.
No other company in this theme has enough history to compare yet.
- FY2026AdvancedAnnual report
「<Management targets (non-consolidated)> Item Fiscal 2025 results Medium-term management plan target Core operating profit (excluding gains and losses on cancellation of investment trusts) ¥3.4 billion ¥3.2 billion Net income ¥1.8 billion ¥1.9 billion Equity ratio 9.04% At least 8% OHR (based on core gross operating profit) 77.3% Around 75% <Consolidated> ROE (based on net income) 3.47% Targeting 5% over the medium to long term」
The comparison of fiscal 2025 results with the targets of the 4th Mirai Sosei Plan was updated. Core operating profit was ¥3.4 billion, exceeding the ¥3.2 billion target, and the equity ratio was 9.04%. Meanwhile, net income was ¥1.8 billion, below the ¥1.9 billion target, while OHR of 77.3% was above the target of around 75% and ROE of 3.47% was below the medium- to long-term target of 5%. - 2026-05-13AchievedResults
「コア業務純益は3,292百万円、親会社株主に帰属する当期純利益は1,970百万円となりました。」
第4次みらい創生プランで示されたコア業務純益32億円、当期純利益19億円の目標に対し、2026年3月期実績はいずれも上回った。 - FY2025AdvancedAnnual report
「Under the medium-term management plan “4th Mirai Sosei Plan” (April 2024 to March 2027), the company aims for sustainable growth by earnestly working to resolve customer issues through its “Core Business Support” and “Tailored Proposals” business model and contributing to the growth and development of regional economies and industries.」
For the first year of the 4th Mirai Sosei Plan, the company disclosed fiscal 2024 results and fiscal 2026 targets. Core operating profit was ¥3.2 billion, in line with the target, while net income was ¥1.6 billion, below the ¥1.9 billion target. - FY2024ReframedAnnual report
「Under the new medium-term management plan “4th Mirai Sosei Plan” (April 2024 to March 2027), the company aims for sustainable growth by earnestly working to resolve customer issues through its “Core Business Support” and “Tailored Proposals” business model and contributing to the growth and development of regional economies and industries.」
The company moved from the 3rd Mirai Sosei Plan to the 4th Mirai Sosei Plan. The new plan continues Core Business Support and Tailored Proposals while pursuing the realization of the new 10-year vision through backcasting. - FY2023AdvancedAnnual report
「Item Fiscal 2021 results Medium-term management plan Fiscal 2023 target Fiscal 2022 results Core operating profit (excluding gains on cancellation of investment trusts) ¥2.6 billion ¥2.3 billion ¥2.9 billion Net income ¥1.5 billion ¥1.6 billion ¥1.7 billion Equity ratio 8.81% At least 8% 8.67% OHR (based on core gross operating profit) 80.8% Around 82% 79.0% ROE (based on net income) 2.9% At least 3% 3.2%」
The company disclosed fiscal 2022 results against the fiscal 2023 targets of the 3rd Mirai Sosei Plan. Core operating profit, net income, OHR, and ROE all exceeded their target levels, while the equity ratio remained at 8% or higher. - FY2022AdvancedAnnual report
「The medium-term management plan “3rd Mirai Sosei Plan,” launched in April 2021, entered its second year. The company aims for sustainable growth by demonstrating the full value of its “Core Business Support” and “Tailored Proposals” business model, working to resolve customer issues, and contributing to the growth and development of regional economies and industries as they change under the impact of COVID-19 and the situation in Ukraine.」
The 3rd Mirai Sosei Plan entered its second year, and the company continues to resolve issues through Core Business Support and Tailored Proposals while responding to the regional economy. - FY2021ReframedAnnual report
「The company launched the medium-term management plan “2nd Mirai Sosei Plan” in fiscal 2018, with fiscal 2020 as its final year. From April 2021, it launched the new 3-year medium-term management plan “3rd Mirai Sosei Plan.”」
The company carried the 2nd plan through its final year and moved to the 3-year 3rd plan from April 2021. While maintaining continuity in its plans, it placed emphasis on responding to the COVID-19 pandemic and changes in the regional economy. - FY2020SoftenedAnnual report
「Deposits ¥1,175.0 billion ¥1,141.0 billion ¥1,134.2 billion Loans outstanding ¥1,012.0 billion ¥960.0 billion ¥954.7 billion Number of business borrowers 11,000 11,000 10,817 Core operating profit ¥2.1 billion ¥1.8 billion ¥1.8 billion Net income ¥1.5 billion ¥1.2 billion ¥1.2 billion」
Against the fiscal 2020 targets, the fiscal 2020 plan reduced the targets for deposits, loans outstanding, core operating profit, and net income. The plan was revised on the assumption that it would be affected by the COVID-19 pandemic. - FY2019AdvancedAnnual report
「The medium-term management plan “2nd Mirai Sosei Plan” is positioned as the second step toward realizing the management vision, “A bank that makes dreams come true and creates the future of its communities.” The company aims to achieve sustainable growth and development for customers, communities, and the company by further deepening the business model pursued under the previous medium-term management plan and working closely with customers.」
The company is advancing the 2nd Mirai Sosei Plan as its second step and has moved to the stage of deepening the business model under the previous plan. - FY2019-Q3AdvancedAnnual report
「On 11 January 2019, the company additionally acquired shares in Tomato Lease Co., Ltd., an equity-method affiliate, and made it a wholly owned subsidiary.」
For the business model centered on Core Business Support, the planned and approved acquisition of Tomato Lease as a wholly owned subsidiary in the previous quarter was completed, marking concrete progress toward strengthening the group's solutions. - FY2019-Q2AdvancedAnnual report
「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.」
For the business model centered on Core Business Support, concrete measures were presented to strengthen solutions and improve earnings power by making Tomato Lease a wholly owned subsidiary. - FY2018AdvancedAnnual report
「Under the previous medium-term management plan, “Tomato Mirai Sosei Plan: Challenge for Evolution 2018,” the company laid the foundations for the next phase of growth by embedding the “Core Business Support” and “Tailored Proposals” business model embodying its strategy of “deeply understanding customers and working closely with them,” and exceeding 10,000 business borrowers. Based on these results, the company launched the new 3-year medium-term management plan “2nd Mirai Sosei Plan” from fiscal 2018.」
The previous medium-term plan demonstrated the establishment of Core Business Support and Tailored Proposals and the achievement of more than 10,000 business borrowers, and the new 3-year medium-term plan began in fiscal 2018. - FY2017AdvancedAnnual report
「In fiscal 2017, the final year of the medium-term management plan, the company established the following 4 management policies based on the results of initiatives undertaken over the previous 2 years.」
Having completed the second year of the plan and entered its final year, the company is putting into concrete form 4 management policies based on the results of the previous 2 years. - FY2017-Q2RestatedAnnual report
「Under the medium-term management plan “Tomato Mirai Sosei Plan: Challenge for Evolution 2018” (April 2015 to March 2018), the company is actively developing initiatives to further advance its business model embodying the strategy of “deeply understanding customers and working closely with them.” For corporate customers, this means providing optimal “Core Business Support” suited to each stage of their business life cycle, from establishment through growth and succession, and for individual customers, providing “Tailored Proposals” offering comprehensive support throughout their lives.」
The medium-term management plan period and the business model focused on working closely with customers continue to serve as the core of management. - FY2016First statedAnnual report
「The Tomato Mirai Sosei Plan was positioned as the first 3-year plan for taking on the challenge of realizing the management vision, and set out the following 4 basic policies.」
The plan covered the period from April 2015 to March 2018. It set out 4 policies: customer support, relationships of trust, diversification of revenue sources, and distinctiveness and human resources.