HYAKUGO BANK; FRONTIER BANKING
Wisdom-Based Innovation 2009
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Wisdom-Based
     Innovation 2009
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Overview of the Medium-term Management Plan (April 2007 through March 2010)
Wisdom-Based Innovation 2009
Basic Policy: Meet all needs as the Tokai region’s leading financial services provider
Key Words: Attack and Speed
Basic Strategies
Take Positive Steps
“Stronger in Mie Prefecture, Higher in Aichi Prefecture, Faster Everywhere”
Enhance Sales Capabilities
 
  • Change to a system for selling to corporations and individuals.
  • Reorganize Regional Headquarters.
Strengthen Strategies for Aichi Prefecture
  • Deploy additional resources.
  • Increase loans to businesses.
Increase Channel Convenience
 
  • Enhance weekend and holiday loan consultation.
  • Extend automated teller machine operating hours.
Strengthen Products
 
  • Strengthen the product development system.
  • Accelerate new product development.
   
Raise Comprehensive Risk Management to a Higher Level
  • Raise risk and return management to a higher level.
  • Respond to Basle II
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Strengthen Compliance
 
 
  • Further strengthen compliance.
  • Protect customer interests and ensure appropriate relationships.
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Strengthen Management
Base
 
  • Strengthen overall Group capabilities.
  • Stably operate next-generation backbone systems.
         
Numerical Targets
Gross business profit
 More than
¥67.0 billion		 Net fees and commisions
 More than
¥10.0 billion		 Net business income
 More than
¥24.0 billion		 Loans and bills discounted
 
¥2.4 trillion		  
Deposits
  
¥3.8 trillion		  
Overhead ratio
  
62% level
Qualitative Objective
A bank that customers can truly rely on.
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