Management Strategy

Medium-Term Management Plan “BEST for the Region”

Hokuhoku Financial Group has launched its Medium-term Management Plan “BEST for the Region”, under which the three years period from April 2016 to March 2019 is designated for development of an efficient and sustainable business model and pursue group synergy effect to contribute to the growth of regional economy. We will remain committed to our key management policies of strengthening marketing capabilities, improving our management efficiency, and strengthening management foundation.

 

Title BEST for the Region
Period 3 Years (April 2016 ~ March 2019)
Target
Corporate Profile
We contribute to customers and local communities by providing No.1 financial service and solution, and achieve growth and development together with them
Position We will develop an efficient and sustainable business model and pursue group synergy effect to contribute to the growth of regional economy in the changing business environment.

 

3 Basic Policies

1. Strengthening Marketing Capabilities ~Exceed customers’ expectations~

  • Provide effective consulting and sales promotion in accordance with the life stage of each customers
  • Offer solutions by assessing the customers’ business possibilities and by utilizing our broad network
  • Invest in IT and infrastructure to provide advanced service
  • Establish a new securities company to expand business area

2. Improving Management Efficiency ~Enhance competitiveness by establishing efficient operations~

  • Optimize business process in branches and headquarters to relocate management resources
  • Integrate systems and back-office operations

3. Strengthening Management Foundation ~Earn trust from local community and customers~

  • Build up a sound financial position by stably accumulating profit
  • Assure corporate compliance

 

Performance Target
(Total of 2 banks)
Avg. balance of deposits
¥10,560.0 Bn Net income attributable
to owners of the parent
¥23.0 Bn
(Total of 2 banks)
Avg. balance of loans
¥7,760.0 Bn Consolidated capital adequacy 9.55%
(Total of 2 banks)
Core net business profits
¥41.5 Bn (Reference)
Consolidated ROE
3.8%

 

Medium-term Management Plan “BEST for the Region”

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