Business Strategies for Corporate Customers

Loan Products for Small and Medium-Sized Companies

Hyakugo Bank actively supports the funding requirements of companies in the region it serves by offering a variety of products that meet the diverse funding needs of small and medium-sized companies and individual business owners. These products include asset-backed loans to help customers raise funds using various types of inventory, trade receivables, vehicles, and machinery and equipment as collateral. Moreover, in Mie Prefecture, agriculture is a key industry in the local economy, and Hyakugo Bank is aggressively strengthening business in the field of agriculture to fulfill its social responsibility as a regional financial institution.

International Business Support

Hyakugo Bank provides advice and proposals on export and import trading business. Using its Shanghai Representative Office and Singapore Representative Office, the Bank provides local information on China and Southeast Asia and supports customers in setting up business operations there. We also offer consultation on establishing subsidiaries in China to meet specific customer needs.

Business Matching

Hyakugo Bank provides business matching assistance to support the business expansion of customers. The Bank makes use of both its own and its customers’ networks to open sales channels and provide opportunities to meet new business partners. In addition, we hold trade fairs in Japan and overseas in cooperation with neighboring banks, and plan exhibitions for individual companies.

Mergers and Acquisitions

Hyakugo Bank provides active support for mergers and acquisitions, with the aim of contributing to communities by helping local companies grow further, solve inheritance problems and revitalize their business. Moreover, we are cooperating with Juroku Bank and Bank of Nagoya within the Chubu Finance M&A Network, a regional economic revitalization project that uses the internal and external networks of these three banks in Mie Prefecture and the Tokai region, to support corporate merger and acquisition needs.

Syndicated Loans

Hyakugo Bank arranges groups of lenders as lead manager to serve customers who need to raise large amounts of capital. This method of providing capital is a response to diversifying customer financing needs.

PFI Business

The Private Finance Initiative (PFI) is an approach to business that uses private-sector capital and know-how to provide design, construction, maintenance and management of public facilities and other infrastructure under a single purchase order. Recently, Hyakugo Bank participated as lead manager in PFIs to upgrade the Tokyo University (Hongo Campus) General Research Building (Faculty of Engineering, New Bldg. 3) and the Toyota City East School Meal Center. We will continue to meet customer needs with services such as putting together syndicates, financing, holding various seminars and workshops, and assisting in preparation of proposals.

Business Strategies for Individual Customers

Loan Products for Individuals

Hyakugo Bank offers “Home Loan 105 Plus” with favorable conditions for customers who designate Hyakugo Bank for direct salary deposits and meet other requirements.

Hyakugo Bank also handles a variety of other loan products tailored to the diverse needs of individual customers. These include “Hyakugo Car Loan kurumade Go!”, which can be applied for by phone, fax or the Internet, “Hyakugo My Card Dream,” an unsecured card loan that customers are free to use for hobbies, leisure or even loan refinancing, and “Hyakugo My Card Excellent,” another type of unsecured card loan with favorable conditions available to customers who designate Hyakugo Bank for their salary transfers.

Comprehensive Financial Services and Products

In addition to investment trusts and government bonds, Hyakugo Bank handles medical insurance covering hospitalization, surgery and other treatment for illness or injury, cancer insurance, individual pension insurance, whole life insurance and other such products. We also handle customer applications to open accounts at Hyakugo Securities and Nomura Securities, and offer consultation on investments in foreign bonds and structured bonds at our 99 branches.

Hyakugo Bank will continue to expand the financial products it handles to meet the wide-ranging needs of its corporate and individual customers.

*Includes local government bonds as of March 31, 2011
 (national government bonds only for prior years)

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