Investor Presentaiton
➤➤➤[Theme 3] Establishment of a sustainable management base that supports customers
3. Improving Efficiency of Branch Office Operations and Branch
Network
Improving Efficiency of Branch Office Operations
From April 2020 to November 2021
ATM outsourcing
Concentration of
administrative work at the
Head Office
Lending implementation
Payment of Koshigaya city tax
and tax on deposit interest
- Seizure operations
Introduction of multiple
document scanner and
establishment of middle office
etc.
By Fiscal Year 2023
● Promotion of e-contract
transactions
●Revision of lending
administrative process
●Introduction of paperless
management system for
customer cash, checks, etc.
Successfully reduced
administrative work by
roughly 18,500 hours/month
(based on Nov. 2021 administrative volume survey)
Plan to reduce
administrative work by
roughly 6,700 hours/month
TOCH
GN
TOCHIGI BANK
Improving Efficiency of Branch Network
We are working to improve efficiency of the branch network through the BinB
(Branch-in-Branch) format and streamlining branches (converting to personal
bank branches).
Trend in Number of Branch Locations
92
77
23
13
92
12
91
85
81
75
72
71
64
63
7
13
8
12
12
11
9
7
62
62
Full banks
CON
Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019 Mar. 31, 2020 Mar. 31, 2021 Mar. 31, 2022
Personal bank
branches
Satellite
locations
Managed to assemble and reallocate around 130 personnel by November 2021
* Plan to assemble nearly 50 personnel by fiscal 2023
Implement further improvements in productivity
and strengthen earning power
Pursue Shared ATMs with Ashikaga Bank, With Which We Share the Same Sales Area
Secure and improve convenience for local customers and reduce ATM operating costs at the same time.
[Phase 1]
[Phase 2]
(Aug. 2021 onward) Convert to shared ATMs at satellite locations along Orion Dori.
Expense reduction results
during 10th Medium-term
Management Plan
(compared to the fiscal year ended
Mar. 31, 2020)
Approx. 1.6 billion
(Jul. 2022 through plan) Use the ATMs of E-net Co., Ltd. to share part of the ATMs outside of branches (from 10 locations initially to considering
expansion in stages).
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