Nanto Bank : （Ｓ）Realizing a Convenient, Prosperous SocietySupport for Customers’ Asset Formation (376kb)

S	Developing with Our Region
Realizing a Convenient, Prosperous Society

Support for Customers' Asset Formation

Basic Policy

Asset-building tailored to the customer's life stage

The expansion of online banking and the emergence of cashless businesses and other new players are raising concern that the numbers of points of contact between the Nanto Bank Group and its younger customers are diminishing. Transactions with the customers who will form our future customer base are essential for the sustainable growth of the Group. Meanwhile, customers are also expressing a vague sense of uncertainty about the future due to Japan's declining birthrate and aging population, and to the increasing burden on the working-age population to support the older generation.

At Nanto Bank, we engage in dialogue with customers as a life companion to grasp their future goals and planning. We then join forces with appropriate members of our Group to provide optimal services, such as asset formation and management services, to help them realize their objectives.

Responding to the SDGs

Fiscal 2022 Action Plan

Current situation

and issues

•Concerns about retirement funds

•Diversification of lifestyles, etc.

Fiscal 2022 Action Plan

Working with customers in their life planning and providing optimal services as a life companion

Offering products and services that meet the needs of every life stage

Goals for achievement

Realizing affluent

customer lives

Products and services tailored to customers' life stages

We help customers realize prosperous lifestyles and expand our customer base by constructing asset-building structures appropriate to each individual life stage: the generation that initiates asset building; the generation that grows the assets; and the generation that benefits from and passes on the assets.

Channels Transactions

Younger generation		Older generation
Births	Employment	Home purchases	Retirement
	Generation initiating	Generations pursuing	Generation that benefits from
	asset formation	asset formation	and passes on assets
		Payroll transfer/cashless transactions	Pensions
		Loans	Trusts
			Assets under custody
	Provision of digital convenience	Expansion of holiday and	Face-to-face consulting
	nighttime banking channels

Indicators and plans

Assets under custody

(Billions of yen)

112,797	114,374
	(Planned)
	254.1	282.7
216.0
87.0	107.0
72.5
143.5	167.1	175.7
2020	2021	2022(Fiscal year)

	Nanto Bank		Nanto Mahoroba		Number of investment
	(investment trusts only)		Securities		trust accounts

	Personal loan balance		Monthly transfer amount and number of
			investment trust accounts
	(Billions of yen)		(Millions of yen)

1,096.6	1,144.4	1,181.4		49,633	60,000
		44,575
			925	1,100
		Planned	724
					Planned
2020	2021	2022 (Fiscal year)	2020	2021	2022 (Fiscal year)

32 Nanto Report 2022, the integrated report of Nanto Bank

Improving Customer Convenience

Basic Policy

Applying digital technologies to enhance customer convenience

In consideration of our expected customer base 10 to 20 years in the future, we are working from the customer's perspective to improve convenience and enhance customer satisfaction by thoroughly investigating the changes necessary to encourage customers to choose the Nanto Bank Group while maximizing our application of digital technologies.

We are applying various digital technologies to maintain and expand our customer base by providing information and speedy procedures that meet customer needs through the accumulation, maintenance, and visualization of data, and by strengthening our connections with every customer generation.

Business model	Strategies and	Performance
	resources allocation

Responding to the SDGs

Fiscal 2022 Action Plan
Current situation				Goals for achievement
	Fiscal 2022 Action Plan
and issues
•Diversified	Employing digital technologies to meet diversifying
lifestyles and
changing life	customer needs and improve customer	Improving
choices	convenience and satisfaction	convenience to
•Growing				enhance customer
digital native	Responding to diversifying	Conducting data-driven	Establishing efficient	satisfaction
generation,
customer needs	sales activities	administrative structures
etc.

Applying digital technologies to enhance convenience

Responses to diversifying customer needs

Developing applications that enable customers to conduct banking transactions much as they would at a teller window anytime, anywhere

Establishing efficient administrative structures

Reducing customer waiting time

Speeding up procedures

Introduction of a Web-based mortgage loan application system

Elimination of the need to visit a branch to apply for a loan Reduction of the burden on customers by linking data from application to execution

Potential development of banking applications with high UI/UX Introduction of a bank visit appointment system

Enabling of advance appointments via Web or phone, information sharing and advance preparation

Digitization of public monetary transactions

Introduction of a file transmission service (ADP)

Introduction of an advance utility bill statement notification service

Conducting data-driven sales activities

Gathering, maintaining, and visualizing data to provide timely services according to customers' life stages

Providing detailed proposals tailored to individual customers' needs

Consideration of data-integration infrastructure construction

Centralization of the Bank's data management

Nanto Report 2022, the integrated report of Nanto Bank 33