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A Annual Report 2018
A Snapshot of Juroku Bank Now THE JUROKU BANK,LTD. JUROKU BANK ANNUAL REPORT 2018 鵜飼 匠 支店長 伊藤 鮎美 2nd Stage Advertisement mascot Advertisement mascot Takumi Ukai Ayumi Itou 005_9337401373009.indd 1-3 m_ns_web_9337401373009.indd 1 2018/09/252018/09/04 14:29:2617:08:04 F inancial Highlights (Consolidated) PROFILE The Juroku Bank, Ltd. and Subsidiaries Year Ended March 31, 2018 Thousands of The Juroku Bank, Ltd., has its business base in Gifu and Aichi prefectures, the Millions of Yen U.S.Dollars industrial center of the Chubu region of Japan. During the over 140 years since its founding in 1877, it has played a pivotal role as a leading financial institution in its 2018 2017 2018 For the Fiscal Year area. We will continue to follow our philosophy of “serving our community by fulfilling our social mission as a financial institution.” We will also pursue reforms by staying Total income ¥ 104,744 ¥ 125,807 $ 985,919 open-minded, managing our operations rationally and steadily, creating a strong Total expenses 91,133 111,459 857,803 management style through stronger earnings power, and improving our personnel and organization. Net Income Attributable to Owners of the Parent 9,901 10,036 93,195 The head office of the Bank is located in Gifu prefecture. The Bank has 162 domestic branch offices, mainly in Gifu and Aichi prefectures, as well as representative offices Cash dividends 2,990 2,616 28,144 in Shanghai, Singapore, Bangkok and Hanoi. On a consolidated basis, as of the end of March 2017, the Bank had total deposits of ¥5,443.0 billion (US$51,233 million), At Year-End total assets of ¥6,096.6 billion (US$57,385 million), and a capital ratio of 9.15% Total assets ¥6,096,568 ¥6,038,334 $57,384,864 based on domestic standards. -
Besta Besta: Banking
What is BeSTA? BeSTA is a standard banking application developed by NTT DATA. NTT DATA will meet a wide variety of needs from financial institutions in Japan through the utilization of BeSTA, which is developing each day. BeSTA: Banking application engine for STandard Architecture Vendor free Maintain competition Neutral application for unspecified hardware vendors principles Because of its high degree of flexibility, systems of other companies can Reduce procurement BeSTA be connected. cost Multiple banks Reduce development Multiple banks can use a single piece of software. cost Plenty of functions that respond to a large number of user requirements Shrink maintenance have already been installed. cost Advanced functions Save development Flexibility: Operational functions can be set and changed flexibly by setting efforts parameters. Enable efficient Expandability: The AP structure formed by the components allows the expansion system to be easily expanded in the future. No need for reconstructuring Promising future: Continuing updates by NTT DATA ensures long- term utilization. Copyright © 2017 NTT DATA Corporation 1 Expanding BeSTA network More than 50 banks are currently using or planning to use BeSTA, the core banking software developed by NTT DATA, and the network is the largest of its kind in Japan. Regional Bank Integrated STELLA CUBE Service Center (15 banks) (9 banks) Aomori Bank Senshu Ikeda Bank Tohoku Bank Kanagawa Bank AKITA BANK TOTTORI BANK Tokyo Tomin Bank Nagano Bank Bank of Iwate San-in Godo Bank TOYAMA BANK Sendai Bank Ashikaga Bank Shikoku Bank Tajima Bank Kirayaka Bank Chiba Kogyo Bank Oita Bank FUKUHO BANK NISHI-NIPPON Hokuetsu Bank CITY BANK Fukui Bank Aichi Bank MEJAR (5 banks) Bank of Kyoto Hokkaido Bank HOKURIKU BANK Bank of Yokohama 77 Bank BeSTAcloud (10 banks) Higashi-Nippon Bank FIDEA Holdings Hokuto Bank SHONAI BANK NEXTBASE (13 banks) Aozora Bank * BeSTA package provided from Hitachi, Ltd. -
From the J-Coin Pay to the Suica
March 27, 2019 Mizuho Financial Group, Inc. Mizuho Bank, Ltd. East Japan Railway Company From the J-Coin Pay to the Suica app: Mizuho and JR East to run proof-of-concept trial for adding money to Suica with the digital currency J-Coin Pay Linking bank digital currency platform with Suica Mizuho Bank, Ltd. (Headquarters: Chiyoda-ku, Tokyo; President & CEO: Koji Fujiwara), a core subsidiary of Mizuho Financial Group, Inc. (Headquarters: Chiyoda-ku, Tokyo; President & CEO: Tatsufumi Sakai), and the East Japan Railway Company (Headquarters: Shibuya-ku, Tokyo; President: Yuji Fukasawa; “JR East”) have agreed to conduct a proof-of-concept trial for using J-Coin Pay, Mizuho Bank’s digital currency platform, to add money to Suica balances in JR East’s Suica app.1 1. Proof-of-concept trial outline Planned start: October 2019 Details: Users will be able to add money to their Suica balance in the Suica app from within the J-Coin Pay app without incurring any service charges. Participants: J-Coin Pay personnel and JR East personnel2 2. Goal In October 2006, Mizuho Bank and JR East together launched a service to allow users to add money to their Mobile Suica cards directly from their Mizuho Bank accounts. In August 2018, we furthered our collaboration to begin providing the Mizuho Suica service, which allows users to create a virtual Suica card and add money to its balance entirely within the Mizuho Wallet app, with no need for a physical card. With the upcoming proof-of-concept trial, customers who hold accounts at any of the 60 financial institutions participating in J-Coin Pay will be able to add money to their Suica balances in the Suica app using J-Coin Pay and without paying any service charges. -
Regional Banks in Japan 2008
Regional Banks in Japan 2008 We, the 64 regional banks in Japan, have for a long time enjoyed the patronage of the people of our regions as banks that move in step with the community. Hokkaido The Hokkaido Bank The regional banks as financial institutions that have the trust of their customers, will continue to contribute to the activation of regional societies through meeting various financial needs in the regions, by enhancing financial functions such as relationship- based banking. Aomori The Aomori Bank THE MICHINOKU BANK Akita Iwate THE AKITA BANK The Bank of Iwate The Hokuto Bank THE TOHOKU BANK Yamagata THE SHONAI BANK The Yamagata Bank Miyagi The 77 Bank Niigata The Daishi Bank Fukushima The Hokuetsu Bank The Toho Bank Ishikawa Toyama The Hokkoku Bank The Hokuriku Bank THE TOYAMA BANK Tochigi Gunma The Ashikaga Bank Tottori Fukui Nagano The Gunma Bank Ibaraki The Hachijuni Bank The Joyo Bank Shimane THE TOTTORI BANK The Fukui Bank Gifu The San-in Godo Bank Kyoto Saitama The Kanto Tsukuba Bank The Ogaki Kyoritsu Bank The Musashino Bank Hyogo The Bank of Kyoto The Juroku Bank Okayama The Tajima Bank Tokyo Shiga Hiroshima The Chugoku Bank The Tokyo Tomin Bank Fukuoka Yamaguchi The Hiroshima Bank Osaka THE SHIGA BANK Chiba THE BANK OF FUKUOKA The Yamaguchi Bank The Kinki Osaka Bank Aichi The Chikuho Bank The Senshu Bank The Chiba Bank THE NISHI-NIPPON CITY BANK Kagawa The Bank of Ikeda The Chiba Kogyo Bank Saga Ehime The Hyakujushi Bank Mie THE BANK OF SAGA Oita The Iyo Bank The Mie Bank Tokushima Nara THE OITA BANK The Hyakugo Bank -
【Major Bank】都市銀行 【Local Bank】地方銀行 【Second Regional
【Major bank】都市銀行 Mizuho Bank / Sumitomo Mitsui Banking Corporation / Saitama Resona Bank Mitsubishi UFJ Bank / Resona Bank (5 in total) 【Local bank】地方銀行 Hokkaido Bank / Yamanashi Central Bank /Saningodo Bank Aomori Bank / Hachijuni Bank / Chugoku Bank Michinoku Bank / Hokuriku Bank /Hiroshima Bank Akita Bank / Toyama Bank / Yamaguchi Bank Hokuto Bank / Hokkoku Bank/ Awa Bank Shonai Bank / Fukui Bank/ Hyakujuyon Bank Yamagata Bank / Shizuoka Bank / Iyo Bank Iwate Bank / Suruga Bank/ Shikoku Bank Tohoku Bank / Shimizu Bank / Fukuoka Bank ShichijushichiBank / Ogaki Kyoritsu Bank / Chikuho Bank Toho Bank / Juroku Bank / Saga Bank Gunma Bank Mie Bank Juhachi Bank Ashikaga Bank / Hyakugo Bank / Shinwa Bank Joyo Bank / Shiga Bank Higo Bank Tsukuba Bank Kyoto Bank Oita Bank Musashino Bank / Kansai Mirai Bank / Miyazaki Bank Chiba Bank / IkedaSenshu Bank / Kagoshima Bank Chiba Kogyo Bank / Nanto Bank /Ryukyu Bank Yokohama Bank / Kiyo Bank / Okinawa Bank Daiyon Bank / Tajima Bank / Nishinihon City Bank HuKuetsu Bank / Tottori bank / Kitakyushu Bank (63 in total) 【Second Regional Bank Member Bank】第二地銀協加盟銀行 Hokuyo Bank Daiko Bank Shimane Bank Kirayaka Bank Nagano Bank Tomato Bank Kitanihon Bank Toyama Daiichi Bank Momiji Bank Sendai Bank Shizuokachuo Bank Saikyo Bank Fukushima Bank Aichi Bank Tokushima Bank Daito Bank Nagoya Bank Kagawa Bank Towa Bank Chukyo Bank Ehime Bank Tochigi Bank Daisan Bank Kochi Bank Tokyo Star Bank Taisho Bank Kumamoto Bank Kanagawa Bank Minato Bank (29 in total) 【Trust bank-Shintaku Ginko】信託銀行 Mitsubishi UFJ Trust Bank -
JOYO BANK Annual Report 2009 PROFILE
JOYO BANK Annual Report 2009 PROFILE The Joyo Bank, Ltd. was established in 1935 out of the merger of the Tokiwa Bank and Goju Bank (both founded in 1878), and celebrated its 130th year in business in 2008. As a leading financial institution in Ibaraki Prefecture and surrounding regions, the Bank, with the philosophy of “Practicing sound management, creation of values, and partnership with the home region,” is contributing to the growth of its home region by providing stable and comprehensive financial services. Management Philosophy “Sound management, Creation of value, and Partnership with the home region” (1) Focusing on retail banking as our core business, Joyo Bank will pursue sound management and steady banking activities. (2) Joyo Bank will create high-value business together with our customers, regional communities, and shareholders. (3) By providing financial services in our base territory of Ibaraki Prefecture and adjacent areas, Joyo Bank will contribute to social and economic progress in the home region. Action Guidelines We will — Provide the most appropriate instruments and services based on a keen understanding of our customers. — Undertake steady banking activities and grow together with our customers. — Seek to further improve our financial skills. CONTENTS 1 Financial Highlights 42 Report of Independent Certified Public Accountants 2 Message from the President 43 Non-Consolidated Balance Sheets (Unaudited) 4 Management Policy 44 Non-Consolidated Statements of Income (Unaudited) 5 Business Highlights (Non-consolidated -
JOYO BANK Annual Report 2013 PROFILE
JOYO BANK Annual Report 2013 PROFILE The Joyo Bank, Ltd., was established in 1935 out of the merger of the Tokiwa Bank and Goju Bank (both founded in 1878), and celebrated its 130th year in business. As a leading financial institution in Ibaraki Prefecture and surrounding regions, the Bank, with the philosophy of “Practicing sound management, creation of values, and partnership with the home region,” is contributing to the growth of its home region by providing stable and comprehensive financial services. Management Philosophy “Sound management, creation of value, and partnership with the home region” (1) Focusing on retail banking as our core business, Joyo Bank will pursue sound management and steady banking activities. (2) Joyo Bank will create high-value business together with our customers, regional communities, and shareholders. (3) By providing financial services in our base territory of Ibaraki Prefecture and adjacent areas, Joyo Bank will contribute to social and economic progress in the home region. Action Guidelines We will — Provide the most appropriate products and services based on a keen understanding of our customers. — Undertake steady banking activities and grow together with our customers. — Seek to further improve our financial skills. CONTENTS 1 Corporate Data/Service Network 22 Consolidated Financial Statements 2 Message from the President 22 Consolidated Balance Sheets 23 Consolidated Statements of Income 4 Management Policy 23 Consolidated Statements of Comprehensive Income 6 Relationship Banking 24 Consolidated -
Japanese Regional Banks Rushing Shakeup Prompted by Widening Economic Gaps by Katsuhiko SAKAI
FINANCE Japanese Regional Banks Rushing Shakeup Prompted by Widening Economic Gaps By Katsuhiko SAKAI Regional banks throughout Japan are rushing to realign them- regional banks, have agreed to merge next spring. In the adjacent selves as gaps are widening not only between financially strong Shikoku region, Kagawa Prefecture’s Kagawa Bank and Tokushima banks and weaker ones but also between core cities and their sur- Prefecture’s Tokushima Bank, both second-tier regional banks, will rounding areas in regional economies amid the prolonged economic integrate their management. Fearing that second-tier banks’ integra- slump and growing competition. Japanese regional banks have tion with first-tier banks within the same prefectures would be noth- managed to coexist while serving their respective prefectural busi- ing more than the absorption of weaker banks by stronger ones, ness areas. But it has become indispensable for them to enhance managers of regional banks are beginning to consider finding merger their business foundations for their very survival through mergers partners in neighboring prefectures to secure their survival. and alliances not only within their prefectures but also across prefec- Megabank groups are leading their respective regional banking tural borders. affiliates to implement mergers. Shonai and Hokuto are close to Mizuho Financial Group Inc., and Kansai Urban and Biwako to M&A Deals & Megabanks’ Influence Sumitomo Mitsui Financial Group Inc. In Osaka Prefecture, Bank of Ikeda and Senshu Bank, both first-tier regional banks affiliated with The number of regional banks in Japan was 108 at the end of Mitsubishi UFJ Financial Group Inc., have agreed to merge next March 2009. -
Expanding Besta Network
Expanding BeSTA network More than 50 banks are currently using or planning to use BeSTA, core banking software developed by NTT DATA, and the network is the largest of its kind in Japan. Regional Bank Integrated Services Center (14 banks) STELLA CUBE (9 banks) Aomori Bank Bank of Kyoto Tohoku Bank Kanagawa Bank AKITA BANK Senshu Ikeda Bank Tokyo Tomin BankNagano Bank Bank of Iwate TOTTORI BANK TOYAMA BANK Sendai Bank Ashikaga Bank Shikoku Bank Tajima Bank Kirayaka Bank Chiba Kogyo BankOita Bank FUKUHO BANK Hokuetsu Bank NISHI-NIPPON CITY BANK Fukui Bank Aichi Bank MEJAR (5 banks) Hokkaido Bank HOKURIKU BANK BeSTAcloud (10 banks) Bank of Yokohama77 Bank FIDEA Holdings Higashi-Nippon Bank Hokuto Bank SHONAI BANK Aozora Bank NEXTBASE (13 banks) * BeSTA package provided SBK FUKUOKA CHUO BANK Saga Kyoei Bankfrom Hitachi, Ltd. BANK OF NAGASAKI Howa Bank Miyazaki Taiyo Bank MINAMI NIPPON BANK OKINAWA KAIHO BANK Copyright © 2015 NTT DATA Corporation 1 Collaboration concerning BeSTA® banking application and surrounding businesses By combining highly compatible solutions regardless of the frameworks of conventional core banking businesses or other banking businesses, the scope of businesses has been expanded. Ideas on collaboration concerning surrounding businesses are also broadly solicited. Scope expansion Regional Omichannel revitalization Individual-Number Successi BPO Business matching utilization on Payment Regional Cloud/virtualization FINTECH sophistication currency Channel Strategy ATM Branch terminal Business Assets in custody Market management Bank app DM Legal system Assets in custody Financial CRM Integrated DB (investment trust, Contact center Instruments and IFRS insurance) Exchange Act Sales support Financing support Internet banking AML BIS Mobile banking Backbone system (BeSTA) Copyright © 2015 NTT DATA Corporation 2 Priority areas of strategic IT investment Three areas to be studied intensively are operation, data accumulation/analysis, and utilization of external expertise. -
Annual Report
Annual Report 2019 Year Ended March 31, 2019 CorporateNon-Consolidated History (As Statementof March 31, 2019) of Income (Unaudited) Year Ended March 31, 2019 The Ashikaga Bank, Ltd. Contents Notice Regarding the Basic Group Philosophy of Mebuki Financial Group .........1 Agreement Concerning a Business Thousands of Developments of Mebuki Financial Group .............3 November 2015 Integration through a Share Millions of Yen U.S. Dollars 2019 2018 2019 INCOME: Exchange of The Joyo Bank, Ltd. A Message from the Management ........................5 Interest income: and Ashikaga Holdings Co., Ltd. Group Philosophy of the Mebuki Financial Group Interest on loans and bills discounted .................................................................SDGs/ESG¥48,772 Initiatives ..........................................15¥49,379 $439,433 Interest and dividends on securities .................................................................... 29,474 22,655 265,557 Notice Regarding Definitive Interest on call loans and bills bought .................................................................The Initiatives of41 Mebuki Financial37 Group for Sustainable370 Interest on depositsAgreement with banks .......................................................................... Concerning the Growth with the344 Local Communities361 ........................163,104 Other interest income ........................................................................................ 88 Together with local communities, we will continue to build a more prosperous -
Joyo Bank Profile
JOYO BANK PROFILE The Joyo Bank, Ltd., was established in 1935 out of the merger of the Tokiwa Bank and Goju Bank (both founded in 1878), and celebrating its 125th year in Business. As a leading financial institution in Ibaraki Prefecture and surrounding regions, the Bank, with the philosophy of “Practicing sound management, creation of values, and partnership with the home region,” is contributing to the growth of its home region by providing stable and comprehensive financial services. Management Philosophy “Sound management, creation of value, and partnership with the home region” (1) Focusing on retail banking as our core business, Joyo Bank will pursue sound management and steady banking activities. (2) Joyo Bank will create high-value business together with our customers, regional communities, and shareholders. (3) By providing financial services in our base territory of Ibaraki Prefecture and adjacent areas, Joyo Bank will contribute to social and economic progress in the home region. Action Guidelines We will — Provide the most appropriate products and services based on a keen understanding of our customers. — Undertake steady banking activities and grow together with our customers. — Seek to further improve our financial skills. CONTENTS 1 Financial Highlights 24 Notes to Consolidated Financial Statements 2 Message from the President 33 Report of Independent Certified Public Accountants 4 70th Anniversary Commemorative Events 34 Non-Consolidated Balance Sheets 5 Business Highlights (non-consolidated basis) 35 Non-Consolidated -
Applying Financial Expertise to Design the Future
Annual Report & CSR ReportAnnual Applying Financial Expertise to Design the Future 2 0 12 http://www.dbj.jp/en Development Bank of Japan Inc. 9-1, Otemachi 1-chome, Chiyoda-ku, Tokyo 100-0004, Japan This report is printed on paper certified by the Forest Stewardship Council (FSC) as being made from sustainably Development Bank of Japan Inc. managed forests. The report is printed with vegetable ink. All the electricity used in printing and binding this report (600 kWh) was supplied by green resources. Annual Report & CSR Report 2012 Profile (As of September 1, 2012) Established: October 1, 2008 (The Japan Development Bank [1951] and the Hokkaido-Tohoku Development Finance Public Corporation [1956] were merged to form the Development Bank of Japan in 1999) Legal basis: The Development Bank of Japan Inc. Act (Act No. 85 of 2007) President: Toru Hashimoto Number of employees: 1,147 (As of March 31, 2012) Capital: ¥1,198,316 million (100% owned by the Japanese government) Address: 9-1, Otemachi 1-chome, Chiyoda-ku, Tokyo 100-0004, Japan URL: http://www.dbj.jp/en Number of offices: Branch offices, 10; representative offices, 8; overseas representative office, 1; and overseas subsidiaries, 2 Subsidiaries and affiliated companies: Consolidated subsidiaries, 17; non-consolidated subsidiaries, 23; and affiliated companies, 15 (As of March 31, 2012) Main business: The provision of long-term funding (investment and loans) Purpose: To conduct business activities utilizing the methods of combining investments and financing and other sophisticated financial methodologies, thereby contributing to the smooth supply of funds to those who need long-term business funds, as well as to the sophistication of financial functions.