HYAKUGO BANK; FRONTIER BANKING
The Second Management Plan of the New Century
Home
About Us
 
  Corporate Philosophy
Corporate Statement
Profile
Ratings
Hyakugo Bank Group
Organization
Board of Directors and
     Corporate Auditors

History
Financial Data
 
  Six-Year Summary
     (Consolidated)

Six-Year Summary
     (Non-Consolidated)
Annual Report 2005
 
  Message from the President
The Second Management
     Plan of the New Century

Increasing Income
Corporate Governance
Current Status of
     Nonperforming Loans

Financial Review
Financial Section
Corporate Data and
     Investor Information
Annual Report Back Numbers
Hyakugo Bank's Corporate Social Responsibilities
Environmental Activities
Contact Us
 
(April 2004 to March 2007)
Corporate Philosophy
Mission Management Behavior

We dedicate ourselves to helping develop a society that places the highest value on mutual trust, and conduct our business in ways to contribute toward building a better society where warmth and respect prevail.

We manage the Bank in a manner deemed fair and responsible against broader social standards. Hence, we attach the greatest importance to sound banking practices in harmony with the ethics and integrity of the public. We believe our independence and solid growth are sustained and valued only in pursuit of such managerial practices.

We try to always display our sincerity in both business and individual activities, guided by our conscience and common sense. We express our deep appreciation for the society by achieving excellence in what we do, while constantly striving to expand our knowledge and challenging the future.

down arrow
Action Guidelines “FRONTIER BANKING”
Aiming for Three Frontiers
1. Profit Frontier 2. CS Frontier 3. Risk Management Frontier
  • Corporate business strategy
  • Individual business strategy
  • Asset management strategy
  • Establishment of a structure with 2,000 clerical employees
    (Excluding employees in new revenue business fields)
  • Entry into new business areas
  • Make management more customer-oriented
  • Improve convenience of banking channels
  • Cultivate corporate brand image
  • Risk return management
  • Strengthening risk management
  • Strengthening credit risk management
Five Foundations for Reaching the Three Frontiers
1.  Promoting group consolidated management 2. Fostering human resources 3. Strengthening the compliance system 4. Strengthening administrative management functions 5. Building up next main system
down arrow
Targets
1. Gross business profit
 
More than ¥60.0 billion
2. Net business profit
 
More than ¥20.0 billion
3. Profit from fees and commissions
 
More than ¥7.0 billion
4. Overhead ratio
 
65%
5. Clerical employees
 
2,000
down arrow
Results for the Year Ended March 31, 2005
 
¥59.4 billion
 
¥20.8 billion ¥7.0 billion 65.71% 2,178
to top of page