Building Earning Capacity in Regional Companies through Business Viability Assessments, Business Succession and M&A
First written in FY2016. 15 of 25 entries say "Advanced", first in FY2018. Latest entry: FY2026.
The whole theme swung hardest in 2017: 1 of 11 companies on the "Worse" side.
12 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「In fiscal 2025, the final year of the Fifth Medium-Term Management Plan, the company focused on enhancing its financial intermediation functions and promoting consulting sales by expanding business loans to local companies, supporting customers' decarbonization consulting and digitalization, including measures to address labor shortages, and providing project finance for renewable energy projects, one of the Group's strengths.」
The company expanded the scope of business assessments and consulting sales to decarbonization, measures addressing labor shortages, digitalization and project finance for renewable energy, and described these as initiatives for fiscal 2025. - 2026-05-15AdvancedManagement plan
「① Deepening consulting services」
Existing support for understanding business conditions, business succession and M&A has been expanded into more advanced consulting through the expanded business base and funding capacity resulting from the merger and the integration of both banks' know-how. - FY2026-H1AdvancedAnnual report
「In the customer divisions of the Group's principal subsidiaries, 株式会社荘内銀行, hereinafter 荘内銀行, and 株式会社北都銀行, the companies are focusing on strengthening sales structures centered on consulting specialists and expanding business loans. They are also working to secure appropriate interest rates in response to changes in the interest-rate environment, leading to higher interest income on loans.」
The company has clearly stated measures to increase interest income on loans by strengthening consulting specialists and business loans and securing appropriate interest rates. - FY2025-H1AdvancedAnnual report
「In the customer divisions of the Group's principal subsidiaries, 株式会社荘内銀行, hereinafter 荘内銀行, and 株式会社北都銀行, the companies are focusing on strengthening sales structures centered on consulting specialists and expanding business loans, including structured loans to financial institutions. As a result, the deposit-loan interest spread has begun to increase, while corporate-related fee income, including fees from business succession and M&A, has increased steadily.」
The companies are strengthening sales structures centered on consulting specialists and business loans, including structured loans, leading to higher corporate-related fee income from business succession, M&A and other activities. - FY2024-Q3RestatedAnnual report
「At the Group's principal subsidiaries, 株式会社荘内銀行, hereinafter 荘内銀行, and 株式会社北都銀行, hereinafter 北都銀行, the companies assigned consulting specialists to head office, strengthened their sales structures and promoted consulting activities using business assessment activities. As a result, business loans in Yamagata and Akita prefectures remained on an upward trend, while corporate-related fee income, including fees from business succession and M&A support, increased steadily.」
The company has again confirmed, following the previous quarter, the increase in corporate-related fee income resulting from the assignment of specialists to head office, consulting activities using business assessments, and business succession and M&A support. - FY2024-Q2AdvancedAnnual report
「At the Group's principal subsidiaries, 株式会社荘内銀行, hereinafter 荘内銀行, and 株式会社北都銀行, hereinafter 北都銀行, the companies strengthened their sales structures by assigning consulting specialists to head office and promoted consulting activities using business assessment activities. As a result, business loans in Yamagata and Akita prefectures remained on an upward trend, while corporate-related fee income, including fees from business succession and M&A, increased steadily. Against this backdrop, customer-division ordinary profit, a target indicator under the Fifth Medium-Term Management Plan, turned positive at ¥200 million in the cumulative second quarter of the current consolidated fiscal year, compared with a loss of ¥100 million in the same period of the previous year.」
The companies strengthened their sales structures by assigning specialists to head office and using business assessments, increasing business loans and fees related to business succession and M&A, while customer-division ordinary profit turned positive at ¥200 million from a loss in the same period of the previous year. - FY2024-Q1AdvancedAnnual report
「The net balance of fees and commissions was ¥1,374 million in the domestic banking division and negative ¥0 million in the international banking division, for a total of ¥1,373 million, an increase of ¥39 million from the cumulative first quarter of the previous consolidated fiscal year.」
The net balance of fees and commissions increased by ¥39 million year on year, turning upward after slight declines through the previous quarter. - FY2023-Q3Slight decline in the net balance of fees and commissionsAnnual report
「The net balance of fees and commissions was ¥3,958 million in the domestic banking division and negative ¥5 million in the international banking division, for a total of ¥3,952 million, a decrease of ¥39 million from the cumulative third quarter of the previous consolidated fiscal year.」
While the company is targeting higher fee income through consulting sales and the accumulation of fee-based revenue, the net balance of fees and commissions decreased by ¥39 million year on year. - FY2023-Q2RestatedAnnual report
「At the Group's principal subsidiaries, 株式会社荘内銀行, hereinafter 荘内銀行, and 株式会社北都銀行, hereinafter 北都銀行, business loans in Yamagata and Akita prefectures on a combined basis increased by ¥11.3 billion from the end of the previous corresponding period as the companies worked to provide solutions addressing customers' needs and issues and to ensure thorough business assessment activities. Although the decline in the deposit-loan interest spread has continued due to the prolonged low-interest-rate environment, the companies have worked to build net fees and commissions, mainly related to entrusted assets, and achieved positive net operating profit in the customer division, defined as customer-division profit excluding credit-related expenses, ahead of schedule.」
The company has reaffirmed its continued focus on consulting sales through the provision of solutions, business assessments, the accumulation of net fees and commissions, and expense reductions, as well as its achievement of positive net operating profit in the customer division. - FY2022AdvancedAnnual report
「Net fees and commissions increased as fees related to entrusted assets rose due to higher investment trust sales amid favorable market conditions, while corporate-related fees, including those related to business succession and M&A, also increased.」
The full-year results showed an increase in fee income from corporate-related solutions, including business succession and M&A, in addition to sales of entrusted assets. - FY2022-Q3AdvancedAnnual report
「Although the decline in the deposit-loan interest spread has continued due to the prolonged low-interest-rate environment, the increase in net fees and commissions, mainly related to entrusted assets, has offset the decline. Steady progress in reducing expenses has also improved net operating profit in the customer division, defined as customer-division profit excluding credit-related expenses. The net balance of fees and commissions was ¥3,997 million in the domestic banking division and negative ¥5 million in the international banking division, for a total of ¥3,991 million, an increase of ¥523 million from the cumulative third quarter of the previous consolidated fiscal year.」
The decline in the deposit-loan interest spread was offset by net fees and commissions related to entrusted assets, and the net balance of fees and commissions increased by ¥523 million year on year. The company explained that net operating profit in the customer division is also improving. - FY2022-Q2AdvancedAnnual report
「Although the decline in the deposit-loan interest spread has continued due to the prolonged low-interest-rate environment, the increase in net fees and commissions, mainly related to entrusted assets, has offset the decline. Steady progress in reducing expenses has also improved net operating profit in the customer division, defined as customer-division profit excluding credit-related expenses.」
The company explained that net operating profit in the customer division is improving as a result of higher net fees and commissions, mainly related to entrusted assets, and lower expenses. The net balance of fees and commissions increased by ¥370 million year on year. - FY2021AdvancedAnnual report
「Net fees and commissions increased by ¥121 million year on year, mainly due to higher fees related to entrusted assets and lower guarantee fees paid. While life insurance commissions declined, partly due to lower savings rates on foreign-currency-denominated life insurance, sales of investment trusts increased amid favorable market conditions, particularly in the United States, and corporate-related fees, including those from syndicated loans and M&A, also increased.」
The company demonstrated a track record of building fee income through consulting sales and the provision of solutions, with increases in corporate-related fees from syndicated loans and M&A in addition to sales of entrusted assets. - FY2021-Q3RestatedAnnual report
「Under its Fourth Medium-Term Management Plan, which began in fiscal 2020, FIDEA Group is seeking to strengthen top-line revenue by practicing consultative sales that address the needs and challenges of business partners, while working on fundamental reforms to its cost structure.」
The company continues to strengthen earnings through consulting sales that address customer needs and issues as a measure under the Fourth Medium-Term Management Plan. - FY2020AdvancedAnnual report
「Through ongoing dialogue with customers and by addressing their needs and issues, we are building a track record in business succession and M&A support.」
The company continues to conduct consulting sales while building a track record in business succession and M&A support. - FY2020-Q3RestatedAnnual report
「Under its Third Medium-Term Management Plan, FIDEA Group is seeking to shift to a business model centered on consulting capabilities that address the needs and challenges of business partners, while also working to transform its management structure into a robust one through initiatives to achieve drastic cost reductions.」
The company has reaffirmed its positioning of consulting functions that address customer needs and issues as a pillar of its business model transformation. - FY2020-Q2AdvancedAnnual report
「This is intended to strengthen solution services, improve the efficiency of management resources and enhance the Fidea Group's comprehensive consulting functions.」
The merger of Fidea Information Systems and Fidea Research Institute was completed on 1 October 2019, integrating IT solutions with regional policy and corporate management consulting and providing a specific step forward in strengthening consulting functions across the Group. - FY2020-Q1RestatedAnnual report
「Under its Third Medium-Term Management Plan, FIDEA Group is seeking to shift to a business model centered on consulting capabilities that address the needs and challenges of business partners, while also working to transform its management structure into a robust one through initiatives to achieve drastic cost reductions.」
The company has reaffirmed its positioning of consulting functions that address customer needs and issues as a pillar of its business model transformation. - FY2019AdvancedAnnual report
「After establishing a support structure for business succession and M&A, areas that received many requests in a survey of customers' needs, the company focused on making specific proposals. It also made a leasing company a subsidiary to expand its range of solutions, and began operations as Fidea Lease Co., Ltd.」
A support structure for business succession and M&A was established, with a focus on making specific proposals. The expansion of solutions through the acquisition of a leasing company as a subsidiary is also progressing. - FY2019-Q3RestatedAnnual report
「Under its Third Medium-Term Management Plan, FIDEA Group is seeking to shift to a business model centered on consulting capabilities that address the needs and challenges of business partners, while also working to transform its management structure into a robust one through initiatives to achieve drastic cost reductions.」
The company has reaffirmed its positioning of consulting functions that address customer needs and issues as a pillar of its business model transformation. - FY2019-Q2RestatedAnnual report
「Under its Third Medium-Term Management Plan, FIDEA Group is seeking to shift to a business model centered on consulting capabilities that address the needs and challenges of business partners, while also working to transform its management structure into a robust one through initiatives to achieve drastic cost reductions.」
The company has reaffirmed its positioning of consulting functions that address customer needs and issues as a pillar of its business model transformation. - FY2019-Q1AdvancedAnnual report
「This is intended to enhance the solutions offered and strengthen the consulting sales structure.」
A specific step forward in strengthening the consulting sales structure was the signing of an agreement to acquire all shares of Grand Yamagata Lease Co., Ltd. - FY2018AdvancedAnnual report
「荘内銀行 has actively supported projects contributing to the sustainable growth of the region, including support for the use of the Ministry of Land, Infrastructure, Transport and Tourism certification system for the securitization of assets held by core regional companies, and expanding the investment track record of the Shogin Agri Support Fund Investment Limited Partnership in response to the issues and needs of agricultural corporations.」
Specific initiatives in business assessment and support for regional companies include assistance in using asset securitization systems and expanding the investment track record of a fund for agricultural corporations. - FY2017ReframedAnnual report
「Enhancing consulting capabilities based on business assessments, sharing individual management issues and needs and providing appropriate solutions through dialogue with regional customers based on business assessments, and advancing team-based sales conducted jointly by branches and head office while upgrading consulting functions for business succession, M&A and business revitalization support」
Business assessment, succession and M&A support are being reorganized around consulting functions focused on dialogue with customers and the provision of solutions. - FY2016First statedAnnual report
「Strengthening the expertise of personnel at both banks to ensure thorough business assessments, and developing systems to support inheritance planning, business succession and M&A in response to the aging of SME owners and the shortage of successors」
Measures to strengthen business assessments for regional companies and support business succession and M&A in response to the aging of business owners and the shortage of successors.