Investor Presentaiton
To be your Bank of choice
Strategies to be Taken by Regional Banks
To achieve sustainable growth amid a tough business environment, each regional bank need to select an optimum strategy
from among a variety of combinations based on its own unique factors.
Although various options are available, it is important that the chosen strategy result in an improvement in the value of business
base (foundation for growth).
Analysis of present situation
Key strategic options
Development of new
Stand-
External environment
Opportunities and Threats
alone
business
Demographic trends
Niche strategies
Structural reforms
► Local economic trends
Structure of industry
► Regulatory movements
▸ Market share
Competitive situation
Customer needs
Internal environment
Strengths and Weaknesses
► Customer base
► Products and services
► Channels
► Systems
▸ Organization, human
resources
Corporate culture
FFG Fukuoka Financial Group
Strategic business
alliances
► Playing
complementary roles
Mutual cooperation
Objectives
O Differentiation from
other banks
O Breakaway from
the interest rate
competition
O Diversification of
revenue sources
○ Strengthening of
competitiveness
○ Risk sharing
[Goal]
Improve value of
business base
(Franchise Value)
Increase scale and
activities of business
(business base)
||
Increase number of
customers
+
Economies of scale
Elimination of
Increase volume of
business
▸ Merger
▸ Management
integration via a
holding company
excessive
system
competition
Alliance
Inclusion as subsidiary
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