Support and Consulting for SMEs Based on Business Viability Assessments

「The Bank also reorganized its head-office structure by newly establishing the Strategic Finance Department and is strengthening its efforts in areas such as structured finance (note). By meeting a wide range of funding needs, the Bank will contribute to regional development while accelerating a growth strategy that will also expand earnings for the Bank Group.」

「Gross business profit, excluding gains and losses on bonds and other securities, is expected to increase by ¥10.6 billion to ¥73.2 billion, mainly due to growth in funds-related income centered on interest on loans and fees and commissions income from corporate solutions, personal consulting and other services.」

「Net service transaction income increased by ¥321 million from the previous consolidated fiscal year to ¥9,007 million, owing mainly to an increase in solution-related fees for corporate customers.」

「Ordinary income increased by ¥2,911 million from the previous interim consolidated accounting period to ¥39,572 million, owing to increases in funds investment income, including interest on loans and interest and dividends on securities; service transaction income, including higher solution-related and assets-under-custody fees; and other ordinary income, including higher gains on sales of shares and other securities.」

「For corporate customers, we will support their sustainable growth by providing comprehensive financial services consistently from upstream to downstream, including assistance with management-plan formulation, business succession and M&A, as well as business matching.」

「To address our customers’ various issues, we will enhance the Keiyo Bank Group’s integrated solution-sales structure and accelerate cooperation and collaboration with strategic external partners such as Resona Holdings, Inc. August 2021 Agreement on a strategic business alliance with Resona Holdings, Inc.」

「To further strengthen the initiatives to resolve various issues on which we have focused since the 18th Medium-Term Management Plan, we will enhance the Group-wide solution-sales structure and strengthen cooperation with external partners, including other banks and companies from other industries. We will then provide each customer with a range of solutions, including inheritance and business succession support, financial improvement and sales-channel development, and productivity improvements through the digitalisation of operations.」

「Of service transaction income, solution-related income increased year on year, in addition to income generated by the Bank itself, as 株式会社京葉銀キャピタル＆コンサルティング, a consolidated subsidiary established in April 2019, steadily improved its performance in the M&A and consulting fields.」

「From the first quarter of the current consolidated accounting period, 株式会社京葉銀キャピタル＆コンサルティング has been included in the scope of consolidation following its establishment as a new company.」

「From the first quarter of the current consolidated accounting period, 株式会社京葉銀キャピタル＆コンサルティング has been included in the scope of consolidation following its establishment as a new company.」

「In April this year, we established 株式会社京葉銀キャピタル＆コンサルティング. By strengthening cooperation with external specialists, we will provide high-quality consulting and work on initiatives such as business succession support.」

「At a meeting of the Board of Directors held on 31 January 2019, we resolved to establish a capital and consulting subsidiary wholly owned by the Bank. Principal business activities Management of investment limited partnerships, management consulting, M&A Capital ¥50 million Scheduled establishment April 2019 Ownership ratio 100% held by the Bank」

「To strengthen our efforts to support lending and the core businesses of companies, including productivity improvements, through business assessments based on dialogue with management, we established the Corporate Sales Department within the head office in April this year and put in place a structure enabling us to provide more optimal solutions for resolving management issues.」

「For corporate customers, we will identify their business activities and growth potential through dialogue with management and provide optimal solutions to address management issues, including lending and support for their core businesses.」

「At the same time, we will seek to further exercise our consulting capabilities by appropriately understanding the business activities and growth potential of our SME clients through business assessments, and by encouraging proactive investment and supporting their core businesses.」