The Tokyo Tomin Bank,Limited (E03558) Stock Price

Tokyo Tomin Bank operates as a regional financial institution under the Tokyo Kiraboshi Financial Group, providing core banking services including deposits, lending, and securities operations. Through its branch network centered on its head office, the company delivers comprehensive financial services rooted in the local community. In May 2018, it merged with Yachiyo Bank and Bank of Tokyo to launch a new chapter as Kiraboshi Bank.

The company's primary customers are small and medium-sized enterprises and individual customers in Tokyo, with a community-focused business strategy. Its revenue structure is based on traditional banking operations—interest income from the spread between deposits and lending—while also focusing on expanding fee-based income. The company supports regional economic development by providing services tailored to the funding needs of small and medium-sized enterprises and the asset-building needs of individuals.

Business segments are divided into banking and other operations. The banking segment handles deposits, lending, securities operations, and related services. Other operations include credit guarantee services through a wholly-owned subsidiary, as well as computer-related services, information services, and credit card operations. The group operates as an integrated entity to meet diverse customer needs.

Kiraboshi Bank (formerly Tokyo Metropolitan Bank) is advancing its transformation into a new-model regional bank serving the Tokyo metropolitan area through its medium-term management plan "Startup☆Kiraboshi," formulated following the merger of three banks in May 2018. Under its management philosophy of being "a financial group for small and medium-sized enterprises and individuals in the Tokyo metropolitan area," the bank has set specific numerical targets: net income attributable to parent company shareholders of 6 billion yen, core business net profit of 12.5 billion yen, and an efficiency ratio (OHR) of 80%.

The core of the bank's differentiation strategy is building a business model centered on "dialogue." Through providing distinctive financial services, the bank aims to expand the number of "first contact inquiries" from customers to 7,000 cases annually. Specifically, it is strengthening business viability assessment lending and enhancing startup support, while deepening partnerships with local governments including Tokyo and Kawasaki to develop core business support and consulting-based sales for small and medium-sized enterprises.

For new market development, the bank is pursuing a strategy to maximize the growth potential of the Tokyo metropolitan area. It has established systems to capture business opportunities unique to the capital region, including expanding inheritance and business succession needs accompanying an aging population, corporate relocations and population inflow from regional areas to Tokyo, and infrastructure redevelopment demand related to the Tokyo Olympics and Paralympics. Additionally, through implementing a regional headquarters structure, the bank is strengthening sales operations tailored to each region's characteristics and advancing strategic store network development.

Regarding technological innovation, the bank is planning system integration in the first half of fiscal 2020 to maximize synergies from the merger. Concurrently, it is promoting business reform projects that create dialogue time with customers through operational efficiency improvements, and implementing store network reviews including consolidation of nearby branches. The bank is also implementing a development program for "Kiraboshi people"—personnel capable of thinking and acting from the customer's perspective—to enhance competitiveness through both digitalization and human capital strengthening.