Accelerating Value Creation for Shareholders
Expansion of marketing channels & Customer base
Marketing channels for SMEs
Corporate Business Offices
for SMEs
opened in FY03
+5
Business Support Offices
& sub-offices
Corporate Sales Offices
04/3
opened in FY03
04/3
76
+8
8
opened in FY03
+31
SME channels: 164
04/3
80
Client
segments|
Upper Middle
Middle
Lower Middle
Small
Channels
Internal HR
SME channels: 164
Corporate Business
Offices
108
Corporate
Business Offices
for SMEs
Corporate
Sales Offices
8
76
External HR
Business
Support Offices
& sub-offices
80
Product Departments (Investment Banking Unit etc.)
Business offices and Product Departments both commit to profit target:
"Double-front system"
*Business Support Offices: Mainly deal with Business Select Loan. Number of channels in the figures is as of March 2004.
SMFG
We are increasing our business volume through enhancement of
business franchise, such as marketing channels and customer base, to
further reinforce our strategic businesses with competitive advantage.
Let me explain specifically our actions to expand marketing channels.
With regard to marketing channels for corporate clients, last fiscal year,
we changed our policy of streamlining channels and intensively
expanded small and specialized channels targeting SMEs. We are
proactively utilizing external human resources, and efficiently expanding
channels with thorough cost control.
As a result, origination of new type unsecured loans to SMEs
substantially exceeded the original target.
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