2018 ANNUAL REPORT (April 1, 2017~March 31, 2018)
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2018ANNUALREPORT 2018 ANNUAL REPORT (April 1, 2017~March 31, 2018) SMBC信託銀行2018_EN_1-4.indd 4-1 2018/08/01 9:44 Please note that this material is an English translation of the Japanese original for reference purposes only without Public Notice of Financial Results any warranty as to its accuracy or completeness. Please be advised that there may be some disparities due Public notice of financial results required under Article 20 of the Banking Act is posted on SMBC Trust’s website to such things as differences in nuance that are inherent to the difference in languages although the English from the current fiscal year. translation is prepared to mirror the Japanese original as accurately as possible. ● http://www.smbctb.co.jp/contents/aboutus ● Click “Financial Report” under “Company Profile” Website SMBC Trust Bank top page https://www.smbctb.co.jp https://www.smbctb.co.jp/en About SMBC Trust Bank https://www.smbctb.co.jp/contents/aboutus https://www.smbctb.co.jp/en/contents/aboutus This book is a disclosure material (explanation materials for business and property) which is prepared based on Article 21 of the Banking Act and Article 19 (2) of the Ordinance for Enforcement of the Banking Act. SMBC信託銀行2018_EN_1-4.indd 2-3 2018/08/01 9:44 Philosophy Corporate Management Please note that this material is an English translation of the Japanese original for reference purposes only without any warranty as to its accuracy or completeness. Please be advised that there may be some disparities due Contents to such things as differences in nuance that are inherent to the difference in languages although the English translation is prepared to mirror the Japanese original as accurately as possible. Corporate Management Philosophy 2 Core Values of SMBC Trust Bank 2 Management Vision Bank Outline Management Vision 4 Top Message 4 Medium-term Management Plan 5 Bank Outline 6 Company Profile 6 History 6 Major Shareholders 6 Officers 7 Office information 8 Organization Chart 10 Matters concerning Bank Agent of SMBC Trust Bank 11 Business Guidance Matters concerning Agent of SMBC Trust Bank for Trust Agreements 17 Our attitude towards improving management of small and medium enterprises and vitalizing communities 17 Business Guidance 18 Our Business 18 Holding Seminarｓ and Media Appearances 29 InfrastructureCorporate Financial Data Business Overview 30 Corporate Infrastructure 32 Risk Management System 32 Corporate Governance System 35 Customer Protection Management System 36 Customer-Oriented Business Operation 37 Internal Audit System 38 Designated Dispute Resolution Institutions 38 Compliance System 38 Human Resource Strategy 40 Disclosure Items Based on Pillar CSR(Corporate Social Responsibility) Activities 42 Financial Information 45 Financial Data 46 Disclosure Items Based on Pillar Ⅲ of Basel Ⅲ 68 Confirmation 78 of Basel This book is a disclosure material (explanation materials for business and property) which is prepared based on Article 21 of the Banking Act and Article 19 (2) of the Ordinance for Enforcement of the Banking Act. SMBC TRUST BANK ANNUAL REPORT 2018 1 SMBC信託銀行2018_EN_P001-007.indd 1-1 2018/08/02 14:12 Corporate Management Philosophy Philosophy Corporate Management Core Values of SMBC Trust Bank SMBC Trust Bank has established the following core values to promote the Company’s “Customer First” approach in all our dealings. We will uphold these Management Vision values across all departments of the Company alongside the “Five Values” of SMBC Group. Corporate Management Philosophy Bank Outline Seven core values to follow SMBC Trust performs our business with the following We approach our work with passion and “Corporate Management Philosophy”. pride as employees of SMBC Trust Bank. Passion We pursue high quality in our work through positive thinking and actions. Business Guidance We aim to be a company trusted by our stakeholders including the society by We appreciate every encounter and show placing importance on sound company respect and gratitude to everyone we work Respect with. We learn from and help each other management based on the spirit of grow individually. legal compliance We offer a sophisticated customer experience. Infrastructure Corporate We provide value-added unique services We provide products and services that Excellence exceed customer expectations and enhance to our customers and evolve with them the value of SMBC Trust Bank. With due respect to diversity, we create We develop supportive relationships across a workplace that encourages employees Synergy teams and pursue synergies. We share Financial Data to thoroughly use individual abilities as common commitment and achieve our goals. professionals while fully participating in teamwork built on reliability and We maintain high standards of care and improve our expertise as trusted professionals. We responsibility Trust demonstrate integrity in all dealings with customers, and think and act in the customer’s best interests. Disclosure Items Based on Pillar We refine and build on our strength to ensure Iconic that SMBC Trust Bank remains an iconic brand and customers’ first choice. We take responsibility for our actions as ambassadors of SMBC Trust Bank. We use Accountability empowerment to make good judgments in all situations. of Basel 2 SMBC TRUST BANK ANNUAL REPORT 2018 SMBC信託銀行2018_EN_P001-006.indd 2 2018/08/01 9:05 Philosophy Corporate Management Management Vision The Company’s core values have been distilled into SMBC Trust Bank’s core values as an seven key elements, each beginning with one letter of our “PRESTIA” brand, that together represent extension of SMBC Group’s “Five Values” Bank Outline our corporate management philosophy and guiding With the “Five Values” of SMBC principles that form the way we think and act on. Group at their foundation, the core values of SMBC Trust Bank are aimed at fostering a unique, vibrant, We approach our work with passion and pride as employees of SMBC Trust Bank. and productive corporate culture. We pursue high quality in our work through SMBC Group SMBC TB positive thinking and actions. “Five Values” “Core Values” Business Guidance We appreciate every encounter and show assion respect and gratitude to everyone we work P with. We learn from and help each other grow individually. Accountability Respect We offer a sophisticated customer experience. We provide products and services that Team Customer Infrastructure Corporate SMFG First exceed customer expectations and enhance the value of SMBC Trust Bank. Proactive Quality and We develop supportive relationships across Iconic Innovative Excellence teams and pursue synergies. We share Speed common commitment and achieve our goals. Financial Data We maintain high standards of care and improve our expertise as trusted professionals. We Trust Synergy demonstrate integrity in all dealings with customers, and think and act in the customer’s best interests. Disclosure Items Based on Pillar We refine and build on our strength to ensure that SMBC Trust Bank remains an iconic brand and customers’ first choice. We take responsibility for our actions as ambassadors of SMBC Trust Bank. We use empowerment to make good judgments in all situations. of Basel SMBC TRUST BANK ANNUAL REPORT 2018 3 SMBC信託銀行2018_EN_P001-006.indd 3 2018/08/01 9:05 Management Vision Philosophy Corporate Management Top Message We sincerely thank for your continued support and patronage. Management Vision Since 19th June 2018, I have taken over the management of SMBC Trust bank as the President and CEO. SMBC Trust Bank started in October 2013 with predecessor bank Societe General Private Banking Bank Outline (Japan) brought into the SMBC Group. In November 2015, we took a further step forward by integrating Citibank’s retail banking business in Japan and launching a new brand “PRESTIA”. Furthermore, in April 2018, we took over the foreign exchange outlet business for individual customers (foreign exchange Business Guidance Corporate counters) from Sumitomo Mitsui Banking Corporation and started the business as “PRESTIA EXCHANGE.” We offer our customers premium products and services with a global essence that originates from our international roots, a broad range of solutions Infrastructure using trust and real estate functions, and innovative products and services with quality derived from strong organizational power and an extensive information network of the SMBC Group. We are now progressing as per the fiscal 2017 – Financial Data Disclosure Items Based on Pillar 2019 Medium-Term Management Plan. In the plan, we are to deliver SMBC Trust Bank’s unique value in order to respond to varied customer demand, utilizing our three edges: trusts, foreign currency, and real estate. We look forward to your continued support and business for years to come. Fumiaki Kurahara President and CEO June 2018 of Basel 4 SMBC TRUST BANK ANNUAL REPORT 2018 SMBC信託銀行2018_EN_P001-006.indd 4 2018/08/01 9:05 Philosophy Corporate Management Medium-term Management Plan SMBC Trust Bank, a member of SMBC Group, has drawn out a three-year medium-term management plan for the fiscal 2017- 2019 period. In order to strengthen our business from a longer-range perspective, this plan has been developed based on our five-year vision set in consideration of the expected business conditions and Management Vision changes in operating environment. The medium-term management plan describes what we work on during the first three years to achieve the vision. 1. Vision Our five-year vision is as follows: Bank Outline Become a trust bank that can contribute to customers both inside and outside of SMBC Group by using our three edges (strengths): trusts, foreign currency, and real estate. 2. Management Goals Business Guidance The management goals that we aim to achieve at the end of the three-year period are as follows: (1) Establish a unique trust bank as the “edge of SMBC Group” by devoting the largest amount of resources to the three strengths (2) Complete the ongoing cost restructuring by fundamentally changing the staff structure and cutting non- personnel expenses without sanctuary Infrastructure Corporate 3.