Through Service Between Railway Operators in Greater Tokyo Makoto Ito
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2012 Annual Report Pursuing Our Unlimited Potential Annual Report 2012
For the year ended March 31, 2012 Pursuing Our Unlimited Potential Annual Report 2012 Annual Report 2012 EAST JAPAN RAILWAY COMPANY JR East’s Strengths 1 AN OVERWHELMINGLY SOLID AND ADVANTAGEOUS RAILWAY NETWORK The railway business of the JR East Being based in the Tokyo metro- Group covers the eastern half of politan area is a major source of our Honshu island, which includes the strength. Routes originating in the Tokyo metropolitan area. We provide Kanto area (JR East Tokyo Branch transportation services via our Office, Yokohama Branch Office, Shinkansen network, which connects Hachioji Branch Office, Omiya Tokyo with regional cities in five Branch Office, Takasaki Branch directions, Kanto area network, and Office, Mito Branch Office, and intercity and regional networks. Our Chiba Branch Office) account for JR EAST’S SERVICE AREA networks combine to cover 7,512.6 68% of transportation revenue. kilometers and serve 17 million Japan’s total population may be people daily. We are the largest declining, but the population of the railway company in Japan and one of Tokyo metropolitan area (Tokyo, TOKYO the largest in the world. Kanagawa Prefecture, Saitama Prefecture, and Chiba On a daily basis, about 17million passengers travel a network of 70 train lines stretching 7,512.6 operating kilometers An Overwhelmingly Solid and Advantageous Railway Network Annual Report 2012 SECTION 1 OVERALL GROWTH STRATEGY Prefecture) continues to rise, mean- OPERATING REVENUES OPERATING INCOME ing our railway networks are sup- For the year ended March 31, 2012 For the year ended March 31, 2012 ported by an extremely sturdy Others 7.9% Transportation Others 6.1% Transportation operating foundation. -
First Half of Fiscal Year Ending March 31, 2020 (FY2019) November 14, 2019 Results Presentation Keisei Electric Railway Co., Ltd
First Half of Fiscal Year Ending March 31, 2020 (FY2019) November 14, 2019 Results Presentation Keisei Electric Railway Co., Ltd. Contents 1. Consolidated Results for First Half of Fiscal Year Ending March 31, 2020 2. Consolidated Results Forecast for Fiscal Year Ending March 31, 2020 3. Progress in E4 Plan 4. Reference Material Copyright © Keisei Electric Railway Co., Ltd. 1 1-1. Overview of Results (Year on Year) Operating revenue, operating income, ordinary income, and net profit attributable to owners of parent posted record highs. FY2019 H1 FY2018 H1 % ■ Changes in operating revenue (by segment) Unit: million yen Million yen, % Change Result Result Change 3,353 327 Operating revenue 138,007 129,916 8,090 6.2 1,881 367 -514 3,078 Operating income 19,117 17,746 1,371 7.7 -403 138,007 (Operating income margin) 13.9 13.7 0.2pt - 129,916 Ordinary income FY2018FY2018 H1TransportationDistributionDistribution Real Leisure,Leisure, Construction OtherOther EliminationFY2019FY2019 H1 28,431 26,890 1,541 5.7 H1 Estate ServiceService H1 Share of profit of entities accounted for 9,770 9,799 -28 -0.3 using equity method ■ Changes in operating income (by segment) Unit: million yen Net profit attributable to owners of parent 21,176 20,520 655 3.2 277 67 1,165 -86 Depreciation 13,555 12,656 899 7.1 -46 151 19,117 -156 17,746 FY2018FY2018 TransportationH1 TransportationDistributionDistributionRealReal Estate Leisure,Leisure, Construction Construction OtherOther EliminationEliminationFY2019FY2019 H1 H1 Estate ServiceService H1 Copyright © Keisei Electric Railway Co., Ltd. 2 1-2. Overview of Results [Consolidated Balance Sheet/Consolidated Cash Flows] • The equity ratio increased due to an increase in shareholders’ equity. -
Saitama Page 1/ 4
SAITAMA PAGE 1/ 4 PG-309 SAITAMA 10th Fl., Tokyo Kotsu Kaikan Bldg., 2-10-1, Yurakucho, Chiyoda-ku, Tokyo 100-0006 Tel. (03)3201-3331 Saitama Prefecture, pop. 6,938,000 located in the middle of the Apart from the mountainous northern region, and the Chichibu region, Kanto Plain area, is blessed with an abundance of nature. Visitors can most of the prefecture consists of level ground, and it has the same encounter beautiful scenery with clear spring waters and greenery. warm climate as the Central Tokyo. Access: To From Type of train Time required Fare(¥) Daily runs JR LEX “Narita Express” 1 hr. 2,940 23 Narita Airport JR Rapid “Airport Narita” 1 hr. 24 min. 1,280 16 Tokyo Monorail & JR Yamanote Line (change at Hamamatsu-cho Sta.) 28 min. 620 10–15/hr. Haneda Airport Keikyu Line & JR Yamanote Line 30 min. 560 Every 10 min. Tokyo St.a. (change at Shinagawa Sta.) JR Shinkansen “Nozomi” 2 hrs. 40 min. 14,720 29 Shin-Osaka Sta. JR Shinkansen “Hikari” 3 hrs. 13,750 93 Shin-Kobe Sta. JR Shinkansen “Hikari” 3 hrs. 15 min. 14,270 41 JR Shinkansen “Nozomi” 1 hr. 36 min. 11,340 29 Nagoya Sta. JR Shinkansen “Hikari” 1 hr. 50 min. 10,580 93 Keisei Railways “Skyliner” 56 min. 1,920 21 Ueno Sta. Keisei Railways LEX 1 hr. 16 min. 1,000 4–5/hr. Nippori Sta. Keisei Railways LEX 1 hr. 13 min. 1,000 4–5/hr. Narita Airport Omiya Sta. 2 hrs. ~ 2 hrs. 30 min. Saitama- Bus service “ON Liner” 2,750 18 Shintoshin Sta. -
SAITAMA, JAPAN Just North of Tokyo Nature, Koedo, Shopping and Events
Crayon Shin-chan There's plenty to see! © U/ F・S・A・A , Saitama Sightseeing Supporter SAITAMA, JAPAN Just North of Tokyo Nature, Koedo, shopping and events Chichibu & North Area West Area Central & East Area Crayon Shin-chan © U/ F・S・A・A , Saitama Sightseeing Supporter Tourism Division, Department of Industry and Labor, Saitama Prefecture ※Some of the facilities shown in this brochure may be temporarily closed, or their hours may be changed due to COVID-19. Please also note that events and festivals may either be delayed or canceled. Thank you for understanding. Visit Saitama Prefecture, where you can experience the past and present of Japan! The Chichibu Area and North Area are full of the appeal of richGUMMA nature, the West Area is where you can feel the atmosphere of Japan, and the Central Area and East Area are a fusion of city and nature. Experience Japanese history and culture in Saitama Prefecture, which is full of attractions! Fujioka IC Fujioka JCT y a w Tobu Nikko Line s e s pr x Joetsu Shinkansen/Hokuriku Shinkansen E 17 u k o Chichibu & North Area h o Chichibu Area and the North Area are full of excitement. T Refresh the soul in magnifi cent natural beauty of Chichibu and T o Hanyu IC b Nagatoro, and taste local dishes of the North Area that have Gyodashi u Ise Sta. s → FOR ak been developed independently. Tohoku Shinkansen 140 125 i L Kazo IC Narita Kumagaya Sta.Takasaki Line ine Airport Hanazono IC H a c Nagatoro Sta. h Kan-etsu ik o L Expressway y ine Kuki a w Shiraoka- l IC Mandarin orange i a Ogawamachi Sta. -
Zbwleibniz-Informationszentrum
A Service of Leibniz-Informationszentrum econstor Wirtschaft Leibniz Information Centre Make Your Publications Visible. zbw for Economics Kato, Hironori Working Paper Urban Rail Development in Tokyo from 2000 to 2010 International Transport Forum Discussion Paper, No. 2014-05 Provided in Cooperation with: International Transport Forum (ITF), OECD Suggested Citation: Kato, Hironori (2014) : Urban Rail Development in Tokyo from 2000 to 2010, International Transport Forum Discussion Paper, No. 2014-05, Organisation for Economic Co-operation and Development (OECD), International Transport Forum, Paris This Version is available at: http://hdl.handle.net/10419/109180 Standard-Nutzungsbedingungen: Terms of use: Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen Documents in EconStor may be saved and copied for your Zwecken und zum Privatgebrauch gespeichert und kopiert werden. personal and scholarly purposes. Sie dürfen die Dokumente nicht für öffentliche oder kommerzielle You are not to copy documents for public or commercial Zwecke vervielfältigen, öffentlich ausstellen, öffentlich zugänglich purposes, to exhibit the documents publicly, to make them machen, vertreiben oder anderweitig nutzen. publicly available on the internet, or to distribute or otherwise use the documents in public. Sofern die Verfasser die Dokumente unter Open-Content-Lizenzen (insbesondere CC-Lizenzen) zur Verfügung gestellt haben sollten, If the documents have been made available under an Open gelten abweichend von diesen Nutzungsbedingungen die in der dort Content Licence (especially Creative Commons Licences), you genannten Lizenz gewährten Nutzungsrechte. may exercise further usage rights as specified in the indicated licence. www.econstor.eu Urban Rail Development in Tokyo From 2000 to 2010 Discussion05 Paper 2014 • 05 Hironori Kato The University of Tokyo, Japan Urban Rail Development in Tokyo From 2000 to 2010 Discussion Paper No. -
East Japan Railway Company Shin-Hakodate-Hokuto
ANNUAL REPORT 2017 For the year ended March 31, 2017 Pursuing We have been pursuing initiatives in light of the Group Philosophy since 1987. Annual Report 2017 1 Tokyo 1988 2002 We have been pursuing our Eternal Mission while broadening our Unlimited Potential. 1988* 2002 Operating Revenues Operating Revenues ¥1,565.7 ¥2,543.3 billion billion Operating Revenues Operating Income Operating Income Operating Income ¥307.3 ¥316.3 billion billion Transportation (“Railway” in FY1988) 2017 Other Operations (in FY1988) Retail & Services (“Station Space Utilization” in FY2002–2017) Real Estate & Hotels * Fiscal 1988 figures are nonconsolidated. (“Shopping Centers & Office Buildings” in FY2002–2017) Others (in FY2002–2017) Further, other operations include bus services. April 1987 July 1992 March 1997 November 2001 February 2002 March 2004 Establishment of Launch of the Launch of the Akita Launch of Launch of the Station Start of Suica JR East Yamagata Shinkansen Shinkansen Suica Renaissance program with electronic money Tsubasa service Komachi service the opening of atré Ueno service 2 East Japan Railway Company Shin-Hakodate-Hokuto Shin-Aomori 2017 Hachinohe Operating Revenues ¥2,880.8 billion Akita Morioka Operating Income ¥466.3 billion Shinjo Yamagata Sendai Niigata Fukushima Koriyama Joetsumyoko Shinkansen (JR East) Echigo-Yuzawa Conventional Lines (Kanto Area Network) Conventional Lines (Other Network) Toyama Nagano BRT (Bus Rapid Transit) Lines Kanazawa Utsunomiya Shinkansen (Other JR Companies) Takasaki Mito Shinkansen (Under Construction) (As of June 2017) Karuizawa Omiya Tokyo Narita Airport Hachioji Chiba 2017Yokohama Transportation Retail & Services Real Estate & Hotels Others Railway Business, Bus Services, Retail Sales, Restaurant Operations, Shopping Center Operations, IT & Suica business such as the Cleaning Services, Railcar Advertising & Publicity, etc. -
Pdf/Rosen Eng.Pdf Rice fields) Connnecting Otsuki to Mt.Fuji and Kawaguchiko
Iizaka Onsen Yonesaka Line Yonesaka Yamagata Shinkansen TOKYO & AROUND TOKYO Ōu Line Iizakaonsen Local area sightseeing recommendations 1 Awashima Port Sado Gold Mine Iyoboya Salmon Fukushima Ryotsu Port Museum Transportation Welcome to Fukushima Niigata Tochigi Akadomari Port Abukuma Express ❶ ❷ ❸ Murakami Takayu Onsen JAPAN Tarai-bune (tub boat) Experience Fukushima Ogi Port Iwafune Port Mt.Azumakofuji Hanamiyama Sakamachi Tuchiyu Onsen Fukushima City Fruit picking Gran Deco Snow Resort Bandai-Azuma TTOOKKYYOO information Niigata Port Skyline Itoigawa UNESCO Global Geopark Oiran Dochu Courtesan Procession Urabandai Teradomari Port Goshiki-numa Ponds Dake Onsen Marine Dream Nou Yahiko Niigata & Kitakata ramen Kasumigajo & Furumachi Geigi Airport Urabandai Highland Ibaraki Gunma ❹ ❺ Airport Limousine Bus Kitakata Park Naoetsu Port Echigo Line Hakushin Line Bandai Bunsui Yoshida Shibata Aizu-Wakamatsu Inawashiro Yahiko Line Niigata Atami Ban-etsu- Onsen Nishi-Wakamatsu West Line Nagaoka Railway Aizu Nō Naoetsu Saigata Kashiwazaki Tsukioka Lake Itoigawa Sanjo Firework Show Uetsu Line Onsen Inawashiro AARROOUUNNDD Shoun Sanso Garden Tsubamesanjō Blacksmith Niitsu Takada Takada Park Nishikigoi no sato Jōetsu Higashiyama Kamou Terraced Rice Paddies Shinkansen Dojo Ashinomaki-Onsen Takashiba Ouchi-juku Onsen Tōhoku Line Myoko Kogen Hokuhoku Line Shin-etsu Line Nagaoka Higashi- Sanjō Ban-etsu-West Line Deko Residence Tsuruga-jo Jōetsumyōkō Onsen Village Shin-etsu Yunokami-Onsen Railway Echigo TOKImeki Line Hokkaid T Kōriyama Funehiki Hokuriku -
[Bus] Meguro-Dori T Okyu Meguro Line JR Y Amanote Line Y Amate-Dori Meguro Station Access
To Shibuya To Meguroshinbashi Ootorijinjamae Mos Burger Meguro-dori West exit Meguro Maruetsu Police Station Ootori shrine box My Basket drug store RECODS Liquor Seven-eleven West exit shop Gyoninzaka The 4th parking lot (Toll parking, Rakan reservation is needed.) ⑨ Meguro Gajoen Front entrance *Refer to attached map Temple Meguro Arco Tower Station Atre Naboku Line Sunkus Mita Line Rakan Tokyu Meguro Line Kaikan Megurofudo The 3rd parking lot Meguro Line Tokyu Line JR Yamanote The 2nd parking lot (Toll parking, Kinokuniya reservation is needed.) HQ Daikokuya Megurofudosonmae dori Kamurozakashita Super Ozeki Yamate-dori Matsuya Florist's Shinagawa To Fudomae Station Access [Bus] A short walk from “Fudoson Sando” bus stop of Route Shibuya 41 [Train] bound for Ooimachi Station of Tokyu Bus. 10 minute walk from JR/Tokyo Metro Meguro Station (Please take Tokyu Bus from the south exit of Shibuya Station 7 minute walk from Tokyu Line Fudomae Station. or from Tokyu Toyoko Line Nakameguro Station.) [IMAGE STUDIO 109, INC 2-24-12, Shimomeguro, Meguro-ku, Tokyo, 153-0064 (MEGURO CUE building) Studio department Post production department □CCTV department General affairs department TEL.03-5436-9109 FAX.03-3494-8871 Parking lot guide To Nakameguro Ootorijinjamae Meguro-dori Meguroshinbashi Maruetsu Ootori shrine Yamate-dori drug store RECODS Yanagi-dori Meguro River Rakan Temple Sunkus The 3rd parking lot (Reservation is needed.) The 3rd parking lot *Refer to attached map (Reservation is needed.) Multistory car park Megurofudo Daikokuya Kinokuniya HQ The 2nd parking lot To Gotanda [About parking lots] If all the parking lots shown above are full, please use other parking facilities nearby. -
Meguro Walking Map
Meguro Walking Map Meguro Walking Map Primary print number No. 31-30 Published February 2, 2020 December 6, 2019 Published by Meguro City Edited by Health Promotion Section, Health Promotion Department; Sports Promotion Section, Culture and Sports Department, Meguro City 2-19-15 Kamimeguro, Meguro City, Tokyo Phone 03-3715-1111 Cooperation provided by Meguro Walking Association Produced by Chuo Geomatics Co., Ltd. Meguro City Total Area Course Map Contents Walking Course 7 Meguro Walking Courses Meguro Walking Course Higashi-Kitazawa Sta. Total Area Course Map C2 Walking 7 Meguro Walking Courses P2 Course 1: Meguro-dori Ave. Ikenoue Sta. Ke Walk dazzling Meguro-dori Ave. P3 io Inok Map ashira Line Komaba-todaimae Sta. Course 2: Komaba/Aobadai area Shinsen Sta. Walk the ties between Meguro and Fuji P7 0 100 500 1,000m Awas hima-dori St. 3 Course 3: Kakinokizaka/Higashigaoka area Kyuyamate-dori Ave. Walk the 1964 Tokyo Olympics P11 2 Komaba/Aobadai area Walk the ties between Meguro and Fuji Shibuya City Tamagawa-dori Ave. Course 4: Himon-ya/Meguro-honcho area Ikejiri-ohashi Sta. Meguro/Shimomeguro area Walk among the history and greenery of Himon-ya P15 5 Walk among Edo period townscape Daikan-yama Sta. Course 5: Meguro/Shimomeguro area Tokyu Den-en-toshi Line Walk among Edo period townscape P19 Ebisu Sta. kyo Me e To tro Hibiya Lin Course 6: Yakumo/Midorigaoka area Naka-meguro Sta. J R Walk a green road born from a culvert P23 Y Yutenji/Chuo-cho area a m 7 Yamate-dori Ave. a Walk Yutenji and the vestiges of the old horse track n o Course 7: Yutenji/Chuo-cho area t e L Meguro City Office i Walk Yutenji and the vestiges of the old horse track n P27 e / S 2 a i k Minato e y Kakinokizaka/Higashigaoka area o in City Small efforts, L Yutenji Sta. -
Guide on Stops Green Red Pink Black
Shin-Keisei Line Guide on Keisei Line, Hokusō Line and Shibayama Line 新京成線 京成線・北総線・芝山鉄道線 ご案内 Guide on stops Green Red Pink Black Matsudo SL01 Kamihongō SL02 Matsudo-Shinden SL03 Minoridai SL04 Yabashira SL05 Tokiwadaira SL06 Gokō SL07 Motoyama SL08 Kunugiyama SL09 Kita-Hatsutomi SL10 松戸 上本郷 松戸新田みのり台八柱 常盤平 五香 元山 くぬぎ山北初富 みどり Limited Express あか Limited Express ピンク Rapid くろ Local 停車駅ご案内 Shibamata KS50 Kanamachi KS51Keisei- 柴又 京成金町 快速特急 特急 快速 普通 Orange Light Blue Blue オレンジ Access Express そらいろ Commuter Express あお Express アクセス特急 通勤特急 急行 JR Line JR Line(Shin-Yahashira) Narita SKY ACCESS Line 成田スカイアクセス線 JR Line Tōbu Line Keisei-Ueno KS01 京成上野Limited Express Nippori KS02 日暮里 Aoto KS09 青砥 Keisei-Takasago KS10 京成高砂 Imba nihon-idai Yukawa Narita KS43 Access Express Access Express Higashi-Matsudo HS05 東松戸 HS08 Access Express HS12 HS14 印旛日本医大成田湯川 KS41 KS42 SL11 Newtown Chūō Chiba 千葉ニ ュ ータウン中央 2 Terminal Narita Airport 空港第2ビル 1 Terminal Narita Airport 成田空港 Limited Express Limited Express Shin-Kamagaya 新鎌ヶ谷Limited Express Commuter Express Express Express Keisei-Narita KS40 京成成田 Rapid (成田第1ターミナル) Shin-Shibamata HS01 Yagiri HS02 Kita-Kokubun HS03 Akiyama HS04 Matsuhidai HS06 Ōmachi HS07 Nishi-Shiroi HS09 Shiroi HS10 Komuro HS11 Inzai-Makinohara HS13 Narita SKY ACCESS Line 新柴又 矢切 北国分 秋山 松飛台 大町 西白井 白井 小室 印西牧の原 (成田第2 ・ 第3ターミナル) 成田スカイアクセス線 Shim-Mikawashima KS03新三河島Machiya KS04町屋Senjuōhashi KS05千住大橋Keisei-Sekiya KS06京成関屋Horikirishōbuen KS07堀切菖蒲園Ohanajaya KS08お花茶屋 日暮里 Kamagaya-Daibutsu 닛포리 Hokusō Line Tōyō Rapid Line JR Line 北総線 Shin-Tsudanuma Futawamukōdai 青砥 -
Saitama Prefecture Kanagawa Prefecture Tokyo Bay Chiba
Nariki-Gawa Notake-Gawa Kurosawa-Gawa Denu-Gawa Nippara-Gawa Kitaosoki-Gawa Saitama Prefecture Yanase-Gawa Shinshiba-Gawa Gake-Gawa Ohba-Gawa Tama-Gawa Yana-Gawa Kasumi-Gawa Negabu-Gawa Kenaga-Gawa Hanahata-Gawa Mizumotokoaitame Tamanouchi-Gawa Tobisu-Gawa Shingashi-Gawa Kitaokuno-Gawa Kita-Gawa Onita-Gawa Kurome-Gawa Ara-Kawa Ayase-Gawa Chiba Prefecture Lake Okutama Narahashi-Gawa Shirako-Gawa Shakujii-Gawa Edo-Gawa Yozawa-Gawa Koi-Kawa Hisawa-Gawa Sumida-Gawa Naka-Gawa Kosuge-Gawa Nakano-Sawa Hirai-Gawa Karabori-Gawa Ochiai-Gawa Ekoda-Gawa Myoushoji-Gawa KItaaki-Kawa Kanda-Gawa Shin-Naka-Gawa Zanbori-Gawa Sen-Kawa Zenpukuji-Gawa Kawaguchi-Gawa Yaji-Gawa Tama-Gawa Koto Yamairi-Gawa Kanda-Gawa Aki-Kawa No-Gawa Nihonbashi-Gawa Inner River Ozu-Gawa Shin-Kawa Daigo-Gawa Ne-Gawa Shibuya-Gawa Kamejima-Gawa Osawa-Gawa Iruma-Gawa Furu-Kawa Kyu-Edo-Gawa Asa-Kawa Shiroyama-Gawa Asa-Gawa Nagatoro-Gawa Kitazawa-Gawa Tsukiji-Gawa Goreiya-Gawa Yamada-Gawa Karasuyama-Gawa Shiodome-Gawa Hodokubo-Gawa Misawa-Gawa Diversion Channel Minami-Asa-Gawa Omaruyato-Gawa Yazawa-Gawa Jukuzure-Gawa Meguro-Gawa Yudono-Gawa Oguri-Gawa Hyoe-Gawa Kotta-Gawa Misawa-Gawa Annai-Gawa Kuhonbutsu-Gawa Tachiai-Gawa Ota-Gawa Shinkoji-Gawa Maruko-Gawa Sakai-Gawa Uchi-Kawa Tokyo Bay Tsurumi-Gawa Aso-Gawa Nomi-Kawa Onda-Gawa Legend Class 1 river Ebitori-Gawa Managed by the minister of land, Kanagawa Prefecture infrastructure, transport and tourism Class 2 river Tama-Gawa Boundary between the ward area and Tama area Secondary river. -
Panelist Presentation 1 [PDF 655KB]
The Chiba Bank, Ltd. Small and Medium-Sized Enterprise Finance at Chiba Bank Lending Stance in the High Economic Growth Period and High Value-Added Services Chiba Bank The Chiba Bank, Ltd. 1. Profile of Bank 2. Lending Stance in the High Economic Growth Period 3. High Value-Added Services 1 The Chiba Bank, Ltd. Profile of Bank Base of operations in "Wider Chiba" (Chiba prefecture and neighboring areas) No. 2 among regional banks on deposits and loans (non-consolidated) Outline of Bank (FYE March 2012) Established March 1943 ¥9,376.5B (of which, Chiba Prefecture: Deposits ¥8,980.7B) ¥7,581.7B (of which, Chiba Prefecture: Loans ¥5,672.9B) Ordinary income ¥61.7B (non-consolidated) Net income ¥36.0B (non-consolidated) Capital 13.63% (non-consolidated, uniform adequacy international standard) External : & : ratings Moody’s A1; S P A 177 (Chiba Prefecture 157; other Offices prefectures 17; international 3) Employees 4,308 (not including temporary staff) * Approx. 40 minutes by ordinary train from Tokyo Station to bank head office 2 The Chiba Bank, Ltd. Profile of Bank (Breakdown of Lending 2012/3) Domestic commercial lending accounts for approx. 59% of all lending (7,581.7 billion yen) 72% of domestic commercial lending is to small and medium-sized enterprises (SMEs) Breakdown of Lending (unit: 100 million yen) Breakdown of Domestic Commercial Lending 3 The Chiba Bank, Ltd. Profile of Bank (Credit Division) Senior loan officers authorized to approve loans and expected to gain expertise in screening ⇒ Many eventually become general managers of branches and oversee all office operations, including lending Trainees, mostly younger employees, accepted ⇒ After training, assigned to branch lending (sales) operations to put expertise to work Credit Division Branch office Screening by Screening by location sector Staff rotation Branch office Screening for Screening for Branch office structured foreign finance lendings 4 The Chiba Bank, Ltd.