Individual retail strategy centered on home loans and customer assets under custody
First written in FY2016. 3 of 34 entries say "Advanced", first in FY2017-Q2. Latest entry: 2026-08-07.
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- 2026-08-07OtherEarnings
「While consumer loans declined, lending to the central government and business loans increased.」
The increase in loans was driven by lending to the central government and business loans, rather than consumer loans. - FY2026Growth centered on business-purpose lending and lending to government entitiesAnnual report
「The balance of loans at the end of the consolidated fiscal year increased by ¥53.6 billion, or 2.8%, from the end of the previous consolidated fiscal year to ¥1,967.1 billion, mainly due to business loans, loans to local governments and loans to the central government.」
The balance of loans increased, but the main drivers were business loans, loans to local governments and loans to the central government, rather than the housing and personal loans that had previously been the focus. - FY2026-H1Decrease in loan balance mainly due to housing loansAnnual report
「The loan balance decreased by ¥9.0 billion from the end of the previous consolidated fiscal year, mainly due to housing loans, to ¥1.9045 trillion.」
The outstanding balance of loans decreased by ¥9 billion from the end of the previous fiscal year, mainly due to housing loans. It is shifting from the previous phase of growth led by business loans to a decline led by housing loans. - FY2025-H1Continued increase mainly in business loansAnnual report
「The loan balance increased by ¥36.8 billion from the end of the previous consolidated fiscal year, mainly due to business loans, to ¥1.9038 trillion.」
The loan balance increased mainly due to business loans, changing from the previous decline centered on lending to the central government to an increase centered on business loans. - FY2024-Q3Continued decrease mainly in lending to the central government, with a narrower declineAnnual report
「The loan balance decreased by ¥14.6 billion, or 0.7%, from the end of the previous consolidated fiscal year, mainly due to lending to the central government, to ¥1.8774 trillion.」
The loan balance continued to decline, mainly due to lending to the central government, but the decrease narrowed from ¥97.9 billion in the previous quarter. - FY2024-Q2Decrease mainly in lending to the central governmentAnnual report
「The loan balance decreased by ¥97.9 billion, or 5.1%, from the end of the previous consolidated fiscal year, mainly due to lending to the central government, to ¥1.7941 trillion.」
The increase centered on lending to local governments in the previous quarter changed to a decrease centered on lending to the central government in the second quarter of the current fiscal year. - FY2024-Q1Increase mainly in lending to local governmentsAnnual report
「The loan balance increased by ¥36.5 billion, or 1.9%, from the end of the previous consolidated fiscal year, mainly due to lending to local governments, to ¥1.9287 trillion.」
The loan balance increased by ¥36.5 billion from the end of the previous fiscal year. The increase was mainly due to lending to local governments; Shonai Bank increased by ¥52.2 billion, while Hokuto Bank decreased by ¥15.6 billion. - FY2023-Q3Widening increase mainly in business loansAnnual report
「The loan balance increased by ¥240.2 billion, or 14.0%, from the end of the previous consolidated fiscal year, mainly due to business loans, to ¥1.9523 trillion.」
The loan balance increased by 14.0% from the end of the previous fiscal year, mainly due to business loans. The increase centered on business loans, rather than the traditional personal retail strategy centered on personal loans, has widened further. - FY2023-Q2Widening increase mainly in business loans and lending to the central governmentAnnual report
「The loan balance increased by ¥170.8 billion, or 9.9%, from the end of the previous consolidated fiscal year, mainly due to business loans and lending to the central government, to ¥1.8830 trillion.」
The loan balance increased by ¥170.8 billion from the end of the previous fiscal year, with business loans and lending to the central government, rather than personal loans, identified as the main factors behind the increase. - FY2023-Q1Reversal from decrease to increase, mainly in business loans and other categoriesAnnual report
「The loan balance increased by ¥16.8 billion, or 0.9%, from the end of the previous consolidated fiscal year, mainly due to business loans and lending to local governments, to ¥1.7289 trillion.」
The loan balance turned from a decrease at the end of the previous fiscal year to an increase of ¥16.8 billion in the first quarter of the current fiscal year. Business loans and lending to local governments, rather than personal loans, were identified as the main factors behind the increase. - FY2022Increase in business loans, decrease in consumer loansAnnual report
「Although business loans in Yamagata and Akita prefectures, the banks' operating base, increased, the loan balance decreased by ¥19.0 billion, or 1.1%, from the end of the previous consolidated fiscal year to ¥1.7121 trillion, mainly due to a decrease in consumer loans.」
Business loans increased, but the overall loan balance decreased by ¥19.0 billion, mainly due to a decline in consumer loans. - FY2022-Q3Continued decrease mainly in consumer loans, with a narrower declineAnnual report
「The loan balance decreased by ¥16.8 billion, or 0.9%, from the end of the previous consolidated fiscal year, mainly due to consumer loans, to ¥1.7143 trillion.」
The loan balance continued to decline, mainly due to consumer loans, but the decrease narrowed from ¥27.9 billion, or 1.6%, in the second quarter of the previous fiscal year. - FY2022-Q2Widening decrease mainly in consumer loansAnnual report
「The loan balance decreased by ¥27.9 billion, or 1.6%, from the end of the previous consolidated fiscal year, mainly due to consumer loans, to ¥1.7032 trillion.」
The decrease in the loan balance widened from the slight decline in the first quarter of the previous fiscal year, with the balance falling by ¥27.9 billion from the end of the previous fiscal year, mainly due to consumer loans. - FY2022-Q1Slight decrease mainly in business loans and consumer loansAnnual report
「The loan balance decreased by ¥2.2 billion, or 0.1%, from the end of the previous consolidated fiscal year, mainly due to business loans and consumer loans, to ¥1.7289 trillion.」
Following the increase centered on business loans at the end of the previous fiscal year, the loan balance edged down in the first quarter of the current fiscal year, mainly due to business loans and consumer loans. - FY2021Continued increase mainly in business loansAnnual report
「The loan balance at the end of the current consolidated fiscal year increased by ¥33.2 billion, or 1.9%, from the end of the previous consolidated fiscal year, mainly due to business loans in Yamagata and Akita prefectures, the banks' operating base, to ¥1.7312 trillion.」
The loan balance increased by ¥33.2 billion from the end of the previous fiscal year, mainly due to business loans. The increase continues to be centered on business loans, unlike the traditional personal retail strategy centered on personal loans. - FY2021-Q3Continued increase mainly in business loansAnnual report
「The loan balance increased by ¥43.0 billion, or 2.5%, from the end of the previous consolidated fiscal year, mainly due to business loans, to ¥1.7410 trillion.」
The loan balance increased by ¥43.0 billion from the end of the previous fiscal year, mainly due to business loans. The increase continues to be centered on business loans rather than the traditional personal retail strategy centered on personal loans. - FY2021-Q2Continued increase mainly in business loansAnnual report
「At Shonai Bank and Hokuto Bank, business loans in Yamagata and Akita prefectures, combined for the 2 banks, increased by ¥74.8 billion from the end of the previous fiscal year as the banks actively responded to customers' funding needs while identifying their needs. Of this, loans under guarantee programs backed by credit guarantee associations increased by ¥73.3 billion, while proprietary loans and other loans increased by ¥1.4 billion.」
The loan balance increased by ¥43.3 billion from the end of the previous fiscal year, mainly due to business loans, with the increase continuing to be centered on business loans rather than personal loans. - FY2021-Q1Increase mainly in business loansAnnual report
「The loan balance increased by ¥47.6 billion, or 2.8%, from the end of the previous consolidated fiscal year, mainly due to business loans, to ¥1.7456 trillion.」
The loan balance turned from a decline at the end of the previous fiscal year to an increase, with business loans, rather than personal loans, identified as the main factor behind the increase. - FY2020Continued decline in loan balance, with a narrower decreaseAnnual report
「The loan balance at the end of the current consolidated fiscal year decreased by ¥19.0 billion, or 1.1%, from the end of the previous consolidated fiscal year, mainly due to consumer loans and lending to local governments, to ¥1.6979 trillion.」
The loan balance continued to decline, but the decrease narrowed from ¥21.3 billion, or 1.2%, in the previous fiscal year. - FY2020-Q3Continued decline in loan balance, with a narrower decreaseAnnual report
「The loan balance decreased by ¥11.7 billion, or 0.6%, from the end of the previous consolidated fiscal year, mainly due to consumer loans and lending to local governments, to ¥1.7052 trillion.」
The loan balance continued to decline, but the decrease narrowed to 0.6% from 0.8% from the end of the previous fiscal year in the second quarter of the previous fiscal year. Consumer loans and lending to local governments were identified as the main factors behind the decline. - FY2020-Q2Changed from an increase to a decreaseAnnual report
「The loan balance decreased by ¥13.8 billion, or 0.8%, from the end of the previous consolidated fiscal year, mainly due to business loans and lending to local governments, to ¥1.7031 trillion.」
The loan balance reversed its increase in the previous quarter and declined from the end of the previous fiscal year, mainly due to business loans and lending to local governments. This does not indicate direct progress in the personal retail strategy. - FY2020-Q1Reversed from a decrease to an increaseAnnual report
「The loan balance increased by ¥8.6 billion, or 0.5%, from the end of the previous consolidated fiscal year, mainly due to lending to local governments and other categories, to ¥1.7256 trillion.」
The loan balance turned from a decline at the end of the previous fiscal year to an increase of ¥8.6 billion, mainly due to lending to local governments and other categories. - FY2019Explanation of the factors behind the decline in loans and its strategic backgroundAnnual report
「The loan balance at the end of the current consolidated fiscal year decreased by ¥21.3 billion, or 1.2%, from the end of the previous consolidated fiscal year, mainly due to consumer loans and lending to local governments, to ¥1.7169 trillion. While the Third Medium-Term Management Plan aims to put relationship-based consulting sales into practice and build a more resilient management structure, deposits and other balances and the loan balance declined as the company worked to restrain funding costs amid a prolonged negative interest rate environment and acquire loans taking into account lifetime and multiple-product relationships.」
The loan balance continued to decline, with consumer loans and lending to local governments identified as the main factors. The management background was also explained, including efforts to restrain funding costs and acquire loans taking into account lifetime and multiple-product relationships. - FY2019-Q3Decrease mainly in personal loans and lending to local governmentsAnnual report
「The loan balance decreased by ¥28.1 billion, or 1.6%, from the end of the previous fiscal year, mainly due to personal loans and lending to local governments, to ¥1.7101 trillion.」
The loan balance continued to decline, with personal loans and lending to local governments identified as the factors behind the decrease. The decline also widened from the ¥9.9 billion decrease in the second quarter. - FY2019-Q2Continued decrease mainly in consumer loans and business loansAnnual report
「The loan balance decreased by ¥9.9 billion, or 0.5%, from the end of the previous fiscal year, mainly due to consumer loans and business loans, to ¥1.7284 trillion.」
The loan balance continued to decline from the previous quarter, with consumer loans and business loans identified as the main factors behind the decrease this time. - FY2019-Q1Continued decrease mainly in personal loans and business loansAnnual report
「The loan balance decreased by ¥10.2 billion, or 0.5%, from the end of the previous consolidated fiscal year, mainly due to personal loans and business loans, to ¥1.7281 trillion.」
The loan balance continued to decline from the end of the previous fiscal year, with personal loans and business loans identified as the main factors behind the decrease this time. - FY2018Decrease in loan balance mainly due to personal loansAnnual report
「The loan balance at the end of the current consolidated fiscal year decreased by ¥20.9 billion, or 1.1%, from the end of the previous consolidated fiscal year, mainly due to personal loans, to ¥1.7383 trillion.」
The trend changed from the previous increase centered on personal loans to a decrease in the loan balance centered on personal loans this fiscal year. - FY2018-Q3Continued increase mainly in lending to local governmentsAnnual report
「The loan balance increased by ¥6.3 billion, or 0.3%, from the end of the previous consolidated fiscal year, mainly due to lending to local governments, to ¥1.7657 trillion.」
The loan balance increased mainly due to lending to local governments, as in the previous quarter. This indicates the continuation of the factors driving the increase in the loan balance, rather than progress in the personal retail strategy itself, which is centered on personal loans. - FY2018-Q2Slight increase mainly in lending to local governmentsAnnual report
「The loan balance increased by ¥1.3 billion, or 0.0%, from the end of the previous consolidated fiscal year, mainly due to lending to local governments, to ¥1.7607 trillion.」
The decline centered on business loans in the previous quarter turned into a slight increase this quarter, mainly due to lending to local governments. - FY2018-Q1Decrease mainly in business loansAnnual report
「The loan balance decreased by ¥700 million, or 0.0%, from the end of the previous consolidated fiscal year, mainly due to business loans, to ¥1.7585 trillion.」
Unlike the previous increase centered on personal loans, the loan balance decreased from the end of the previous fiscal year this quarter, mainly due to business loans. - FY2017AdvancedAnnual report
「The balance increased mainly due to lending to individuals, including housing loans, rising by ¥1.03 billion, or 0.5%, from the end of the previous consolidated fiscal year to ¥1.7593 trillion.」
Lending to individuals, particularly housing loans, increased by ¥1.03 billion from the end of the previous fiscal year, providing a quantitative indication of progress in the personal retail strategy. - FY2017-Q3AdvancedAnnual report
「The balance of loans outstanding increased by ¥24.7 billion, or 1.4%, from the end of the previous consolidated fiscal year, to ¥1,773.7 billion, driven primarily by personal loans.」
The balance of loans, mainly personal loans, increased by ¥2.47 billion from the end of the previous consolidated fiscal year, indicating continued measurable progress in the personal retail strategy. - FY2017-Q2AdvancedAnnual report
「The balance of loans outstanding increased by ¥20.4 billion, or 1.1%, from the end of the previous consolidated fiscal year, to ¥1,769.4 billion, driven primarily by personal loans.」
The balance of loans outstanding, driven primarily by personal loans, increased from the end of the previous consolidated fiscal year, indicating measurable progress in the personal retail strategy. - FY2016First statedAnnual report
「We have pursued proactive sales activities while sharing information and expertise between the two banks, including promoting a personal retail strategy centered on home loans and assets under custody.」
The Group is promoting growth in personal lending and asset management products together with information and expertise sharing between the two banks.