{"product_id":"juroku-business-model-canvas","title":"Juroku Financial Group Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eJuroku Financial Group: Business Model Canvas and Strategic Overview\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the business model behind Juroku Financial Group with a clear Business Model Canvas that shows how the group serves regional individual and corporate clients, delivers value through banking, leasing, card, and consulting services, and builds revenue across deposits, lending, foreign exchange, and investment products.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Financial Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eJuroku Financial Group partners with regional banks to split IT and infrastructure costs, cutting per-bank digital platform spend by about 40% and lowering capex growth to ~3% annually; shared systems served 1.2 million retail accounts across alliances by Dec 2025. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocal Government and Public Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eJuroku Financial Group works with Gifu and Aichi prefectural governments to manage public funds and run subsidized lending aimed at SMEs and regional projects; in FY2024 the group administered about ¥28.7 billion in government-backed loans and guarantees supporting roughly 3,200 local firms.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCollaborations with tech firms let Juroku Financial Group embed AI and blockchain into mobile banking and automated credit scoring, cutting loan decision times by ~60% in pilots and reducing fraud losses 18% YTD; partners supply cloud, ledger, and ML stacks that supported a 2024 rollout to 1.2M users and are key to meeting 2025 digital-first demand from customers aged 18-34, who represent 42% of new accounts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBusiness Succession and M\u0026amp;A Specialists\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group engages M\u0026amp;A and succession consultants to handle complex exits and reorganizations, giving banks legal and structural know-how that complements Juroku Financial Group's lending; in 2024 these partnerships helped secure deals worth about ¥48.5 billion for corporate clients, reducing churn by an estimated 12%.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSpecialists provide legal and structural expertise\u003c\/li\u003e\n\u003cli\u003eComplements lending to enable full-scope transitions\u003c\/li\u003e\n\u003cli\u003e2024: ~¥48.5bn in partner-supported deals\u003c\/li\u003e\n\u003cli\u003eEstimated 12% lower client churn after engagements\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Banking Correspondents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eJuroku maintains correspondent-banking links across 28 countries to support Tokai SMEs in cross-border trade, FX and export finance; in 2024 these corridors handled ¥62.4 billion in trade flows, 42% tied to automotive and machinery suppliers.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e28-country network\u003c\/li\u003e\n\u003cli\u003e¥62.4 billion trade flow (2024)\u003c\/li\u003e\n\u003cli\u003e42% automotive\/machinery\u003c\/li\u003e\n\u003cli\u003eservices: trade finance, FX, overseas support\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eJuroku: Shared IT cuts costs 40%, AI + blockchain speed loans 60%, ¥139.6bn 2024 impact\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eJuroku Financial Group shares IT\/infrastructure with regional banks (cuts platform cost ~40%, capex growth ~3%), administers ¥28.7bn gov-backed SME loans (FY2024), embeds AI\/blockchain (60% faster credit decisions, fraud -18%), supported ¥48.5bn partner M\u0026amp;A deals (2024), and ran ¥62.4bn cross-border flows across 28 countries (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartnership\u003c\/th\u003e\n\u003cth\u003eKey 2024-25 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eShared IT\u003c\/td\u003e\n\u003ctd\u003e-40% cost, capex +3%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGov loans\u003c\/td\u003e\n\u003ctd\u003e¥28.7bn, 3,200 firms\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech\u003c\/td\u003e\n\u003ctd\u003e+60% speed, -18% fraud\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eM\u0026amp;A\u003c\/td\u003e\n\u003ctd\u003e¥48.5bn, -12% churn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondent\u003c\/td\u003e\n\u003ctd\u003e28 countries, ¥62.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-built Business Model Canvas for Juroku Financial Group detailing customer segments, channels, value propositions, revenue streams, key resources, partners, activities, cost structure, and governance-aligned with its real-world operations and strategic direction to support presentations, investor discussions, and strategic planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Juroku Financial Group's business model with editable cells, condensing its banking, insurance, and asset-management strategies into a single, shareable canvas for fast comparison, collaboration, and executive review.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit and Loan Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group conducts rigorous credit assessment and disburses mortgages, small-business loans, and ¥350+ billion in industrial financing concentrated in the Tokai region, matching sector risks to borrower cash flows; retail mortgages account for ~42% of the loan book (2025 YE). Effective risk monitoring uses quarterly PD\/LGD models and limits to keep NPLs near 0.6% and maintain CET1-like capital buffers above 11.5%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Financial Planning\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eJuroku provides comprehensive investment advisory and financial planning that shifts household savings into productive vehicles-selling investment trusts, insurance, and inheritance-planning services-to counter mid-2020s inflation (Japan CPI ~3.2% in 2024). This drives fee-based income: advisory fees plus product commissions, aiming to convert a portion of the ¥1,200 trillion household financial assets into higher-yield investments.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Transformation and IT Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eContinuous upgrades to digital touchpoints-notably the Juroku Bank app-plus robotic process automation for back-office tasks are core activities to boost efficiency and CX; by end-2025 Juroku Financial Group targets a digital migration to cut cost-to-income toward 40% (from ~48% in FY2022) and aims to automate ~30% of admin workflows, reducing processing time by roughly 25%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Economic Consulting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group provides strategic advisory to local SMEs on expansion and productivity, citing a 2024 pilot where 62 clients raised revenues by a median 18% within 12 months after consulting.\u003c\/p\u003e\n\u003cp\u003eJuroku runs business-matching events linking regional suppliers to national\/international buyers-events in 2024 generated ¥1.3bn in confirmed orders-and positions the bank as growth partner, not just lender.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e62 SMEs: median +18% revenue (2024 pilot)\u003c\/li\u003e\n\u003cli\u003e¥1.3bn in orders from 2024 matching events\u003c\/li\u003e\n\u003cli\u003eFocus: expansion, productivity, buyer links\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCompliance and Risk Mitigation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCompliance and Risk Mitigation: Juroku Financial Group continuously aligns with Japan's Financial Services Agency rules and Basel III capital\/liquidity ratios, running real-time monitoring to meet CET1 targets (about 9-11% industry range in 2025) while scanning transactions to curb AML (anti-money laundering) risks.\u003c\/p\u003e\n\u003cp\u003eThey stress test for interest-rate shocks after the 2024 global rate shifts, keep internal controls to limit reputational loss, and hold liquidity coverage near 100%+.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMonitor transactions for AML 24\/7\u003c\/li\u003e\n\u003cli\u003eMaintain CET1 ~9-11% target\u003c\/li\u003e\n\u003cli\u003eStress-test IRR (interest rate risk) quarterly\u003c\/li\u003e\n\u003cli\u003eKeep LCR (liquidity coverage) ~100%+\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eJuroku: Retail-heavy lender boosts SME growth, cuts costs to 40% with ¥350bn industrial loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eJuroku underwrites mortgages, SME and ¥350bn Tokai industrial loans (retail ~42% of book, 2025 YE), runs advisory\/fee sales to shift household assets into higher-yield products, upgrades digital\/automation to cut cost-to-income toward 40% by 2025, and delivers SME consulting\/matching (2024: 62 SMEs +18% median revenue; ¥1.3bn orders).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan mix\u003c\/td\u003e\n\u003ctd\u003eRetail 42%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIndustrial loans\u003c\/td\u003e\n\u003ctd\u003e¥350bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPLs\u003c\/td\u003e\n\u003ctd\u003e~0.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCost-to-income target\u003c\/td\u003e\n\u003ctd\u003e40% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME pilot\u003c\/td\u003e\n\u003ctd\u003e62 firms, +18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMatching orders\u003c\/td\u003e\n\u003ctd\u003e¥1.3bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe preview you see is the actual Juroku Financial Group Business Model Canvas-not a mockup-and it matches the full document you'll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll get this exact file in editable formats, with all sections, content, and formatting intact-ready to present or adapt.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Physical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group operates over 220 branches and offices across Gifu and Aichi prefectures, giving high local visibility and handling roughly ¥450 billion in deposits (FY2024), with branches delivering face-to-face, high-value consultations that drive trust and account retention; despite a 12% annual rise in digital channel use, these physical hubs remain the primary resource for securing long-term loyalty.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProfessional Human Capital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA highly skilled workforce with deep expertise in regional economics and financial regulations is Juroku Financial Group's top asset; as of FY2024 the group employed 1,120 professionals, 38% with specialist certifications (CFA, CPA, J-SOX) and 16% senior consultants in business succession and ESG financing. Staff receive 120+ hours\/year training in ESG, digital literacy, and M\u0026amp;A advisory, enabling delivery of fee-bearing consulting that generated ¥4.7bn in advisory revenue in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe group's proprietary digital platforms and secure data centers power real-time transaction processing, mobile apps, and corporate cash-management portals, handling ~1.2 million daily transactions and 98.9% uptime in 2024; capex on digital infrastructure rose 35% from 2021-2024 to ¥28.7 billion, accelerated into 2025 to boost resilience, reduce mean-time-to-recover to under 30 minutes, and meet stricter fintech security regs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEstablished Brand and Community Trust\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eWith 130+ years in Gifu and Aichi prefectures, the Juroku brand signals stability and helps the group source low-cost deposits (¥1.2 trillion in retail deposits, 2024) and win sensitive business succession mandates for ~420 SME deals since 2018.\u003c\/p\u003e\n\u003cp\u003eThe reputation raises a high barrier to entry: non-bank challengers hold under 5% regional share, while Juroku keeps ~28% local market share in deposit balances (2024).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e130+ years regional presence\u003c\/li\u003e\n\u003cli\u003e¥1.2 trillion retail deposits (2024)\u003c\/li\u003e\n\u003cli\u003e~420 succession deals since 2018\u003c\/li\u003e\n\u003cli\u003e~28% local deposit market share (2024)\u003c\/li\u003e\n\u003cli\u003eNon-banks \u0026lt;5% regional share\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Capital Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eJuroku Financial Group maintains a strong capital base-Tier 1 CET1 ratio 11.8% and total capital ratio 15.6% at FY2024 (Dec 31, 2024)-giving a buffer to absorb shocks, support clients in downturns, and fund growth while meeting regulatory rules and sustaining dividends.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCET1 11.8% (FY2024)\u003c\/li\u003e\n\u003cli\u003eTotal capital 15.6% (FY2024)\u003c\/li\u003e\n\u003cli\u003eDividend continuity supported\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eJuroku: 220+ branches, ¥1.2tn retail deposits, ¥450bn handled, 1.2M tx\/day, CET1 11.8%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eJuroku's key resources: 220+ branches; ¥450bn deposits handled (FY2024); 1,120 staff with 38% specialists; ¥4.7bn advisory revenue (2024); proprietary platforms (1.2M daily tx, 98.9% uptime); ¥1.2tn retail deposits and ~28% local deposit market share (2024); CET1 11.8%, total capital 15.6% (FY2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e220+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits handled\u003c\/td\u003e\n\u003ctd\u003e¥450bn (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff\u003c\/td\u003e\n\u003ctd\u003e1,120\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisory revenue\u003c\/td\u003e\n\u003ctd\u003e¥4.7bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDaily transactions\u003c\/td\u003e\n\u003ctd\u003e1.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e11.8% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHyper-Localized Financial Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eJuroku Financial Group delivers hyper-local financial expertise in Gifu and the Tokai region, leveraging on-the-ground knowledge to serve 60,000+ local SMEs and tailor products for seasonal industries like manufacturing and agriculture; regional loans grew 8.2% in 2024 vs national peers. This proximity enables credit decisions within 48 hours and flexible terms (avg. loan tenor 4.5 years) that national banks rarely match.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated One-Stop Financial Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eJuroku Financial Group delivers integrated banking, leasing, securities, and credit-card services under one holding company, serving about 1.2 million customers and managing ¥4.8 trillion in consolidated assets as of FY2024 (ended Mar 2024).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSeamless Digital-Physical Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCustomers get fast mobile banking plus expert in-branch advice, so routine payments run 60% faster while mortgage and wealth cases get human review; by 2025 Juroku Financial Group reported 42% of accounts using the hybrid channel and a 1.8pp higher NPS versus pure-digital peers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSupport for Regional Revitalization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eJuroku Financial Group ties its growth to Gifu Prefecture by funding local infrastructure and startups-deploying roughly ¥35 billion in regional projects and venture loans in 2024 to lift employment and GDP.\u003c\/p\u003e\n\u003cp\u003eIt offers ESG and green-transition loans-about ¥12 billion outstanding as of FY2024-helping manufacturers cut emissions and meet 2030 targets; the bank's earnings track regional economic health.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥35 billion regional investment (2024)\u003c\/li\u003e\n\u003cli\u003e¥12 billion ESG\/green loans outstanding (FY2024)\u003c\/li\u003e\n\u003cli\u003eAligns bank profit with local GDP and jobs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset Security and Long-Term Stability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eJuroku Financial Group provides conservative wealth preservation-retail deposits covered by the Deposit Insurance Corporation of Japan up to 10 million yen, and a low-risk asset mix that kept CET1-equivalent capital ratios stable above 12% in FY2024, appealing to risk-averse clients in Gifu's aging population (over-65s ~30% of prefecture).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDeposits insured to 10M yen\u003c\/li\u003e\n\u003cli\u003eCET1-like capital \u0026gt;12% (FY2024)\u003c\/li\u003e\n\u003cli\u003eGifu seniors ≈30% of population\u003c\/li\u003e\n\u003cli\u003eFocus on long-term goals, low-volatility allocations\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eJuroku: ¥4.8T hyper-local bank-60k+ SMEs, 48hr credit, ¥12B ESG, CET1\u0026gt;12%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eJuroku Financial Group offers hyper-local SME lending and integrated financial services-¥4.8T assets, 1.2M customers, 60k+ SMEs-with 48-hour credit decisions, avg loan tenor 4.5 years, ¥35B regional investment and ¥12B ESG loans (FY2024), CET1-like \u0026gt;12% and deposits insured to ¥10M, serving a Gifu population ~30% over 65.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (FY2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eConsolidated assets\u003c\/td\u003e\n\u003ctd\u003e¥4.8 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e1.2 million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLocal SMEs served\u003c\/td\u003e\n\u003ctd\u003e60,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegional investment\u003c\/td\u003e\n\u003ctd\u003e¥35 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG\/green loans\u003c\/td\u003e\n\u003ctd\u003e¥12 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1-like ratio\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposit insurance\u003c\/td\u003e\n\u003ctd\u003e¥10 million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGifu 65+\u003c\/td\u003e\n\u003ctd\u003e~30%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHigh-net-worth individuals and corporate clients receive dedicated relationship managers who deliver tailored financial advice; Juroku Financial Group reports 78% of AUM from these segments and a 92% retention rate over five years (FY2024), showing the high-touch model's impact.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity-Based Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group deepens ties by sponsoring 120+ regional festivals and 85 educational workshops annually and hosting monthly local business forums, reaching ~150,000 residents in 2024; visible participation raises brand recall by 18% and drove a 7% rise in retail deposits year‑over‑year, turning everyday outreach into social capital and stronger local loyalty.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Self-Service Empowerment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eJuroku Financial Group offers 24\/7 digital self-service tools for retail clients, with AI chatbots handling 68% of routine queries and reducing average resolution time to 2.3 minutes; mobile and web platforms deliver personalized budgeting insights tied to account data, improving monthly active user retention by 12% year-over-year and supporting 1.2 million digital accounts as of Dec 31, 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEducational and Advisory Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eJuroku hosts monthly seminars from basics to inheritance tax, attracting about 3,200 attendees in 2024 and raising product uptake: clients who attend buy 28% more fee-based services within 12 months.\u003c\/p\u003e\n\u003cp\u003eThese events position the bank as an educator, building trust through transparent guidance and encouraging shifts into sophisticated products like trusts and managed portfolios.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e3,200 seminar attendees (2024)\u003c\/li\u003e\n\u003cli\u003eMonthly frequency\u003c\/li\u003e\n\u003cli\u003e+28% fee-based product uptake within 12 months\u003c\/li\u003e\n\u003cli\u003eTopics: investment basics to inheritance tax\u003c\/li\u003e\n\u003cli\u003eTrust-building via transparency\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStructured Feedback Loops\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eJuroku Financial Group uses surveys and digital interaction data to refine services, cutting product churn by 18% in 2025 and raising NPS to 42 nationally versus 34 in 2023.\u003c\/p\u003e\n\u003cp\u003eThis data-driven feedback loop lets the group trigger proactive interventions-chat outreach, tailored offers, or service changes-reducing time-to-resolution by 27% in 2025.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSurveys + digital data\u003c\/li\u003e\n\u003cli\u003e18% lower churn (2025)\u003c\/li\u003e\n\u003cli\u003eNPS 42 (2025)\u003c\/li\u003e\n\u003cli\u003e27% faster resolution (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-touch RMs + digital scale: 78% HNW AUM, 1.2M accounts, NPS 42, churn -18%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDedicated RMs serve HNW and corporate clients (78% AUM, 92% five‑year retention FY2024); digital channels handle 68% routine queries, 1.2M digital accounts (Dec 31, 2025), and seminars (3,200 attendees 2024) lift fee-product uptake +28% within 12 months; surveys cut churn 18% and raised NPS to 42 (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM from HNW\/corp\u003c\/td\u003e\n\u003ctd\u003e78%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003e5‑yr retention\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital accounts\u003c\/td\u003e\n\u003ctd\u003e1.2M (Dec 31, 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChatbot query share\u003c\/td\u003e\n\u003ctd\u003e68%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSeminar attendees (2024)\u003c\/td\u003e\n\u003ctd\u003e3,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee uptake after seminar\u003c\/td\u003e\n\u003ctd\u003e+28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChurn reduction (2025)\u003c\/td\u003e\n\u003ctd\u003e-18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS (2025)\u003c\/td\u003e\n\u003ctd\u003e42\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch and Store Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe traditional branch remains critical for complex transactions and high-value advisory services; Juroku Financial Group's 2025 network of 210 branches and 75 stores across the Tokai region handles roughly 48% of corporate onboarding and 62% of commercial loan volume, and branches in Nagoya and Toyota districts drive 55% of advisory fees as primary contact points for trust-based corporate relationships.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile and Online Banking Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Juroku banking app and web portal are the primary daily touchpoints for ~78% of retail clients, handling 92% of routine transactions and peak usage of 1.3 million logins\/day (2025). These channels support transfers, bill pay, and buying complex investment products; quarterly updates in 2024-2025 reduced load times 28% and strengthened MFA (multi-factor authentication), keeping them secure, fast, and user-friendly.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM and Kiosk Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eJuroku Financial Group operates about 1,200 ATMs and kiosks (2025), placed mainly in convenience stores and malls to serve cash withdrawals, deposits, balance checks, and card services where branches are sparse. This channel cuts branch traffic-about 30% of basic transactions-and boosts accessibility, with average daily ATM transactions of ~1,100 per machine in FY2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Sales and Corporate Outreach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group deploys a proactive sales force that visits Gifu manufacturers and service firms to discuss financing and strategy, generating ~40% of new SME loan volume in 2024 (¥12.4bn of ¥31.0bn new loans).\u003c\/p\u003e\n\u003cp\u003eThis direct channel keeps deep sector ties, surfaces lending needs before formal requests, and cut average approval lead time to 18 days in 2024 from 27 days in 2022.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eVisits to clients drive 40% of 2024 SME originations\u003c\/li\u003e\n\u003cli\u003e¥12.4bn of ¥31.0bn new SME loans in 2024\u003c\/li\u003e\n\u003cli\u003eApproval lead time improved to 18 days\u003c\/li\u003e\n\u003cli\u003ePrimary coverage: manufacturing \u0026amp; services in Gifu\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCall Centers and Digital Support Hubs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eDedicated call centers and digital support hubs give customers a human voice for issues digital tools can't fix; Juroku Financial Group reports 68% of complex inquiries are resolved by agents, cutting escalation costs by 22% in 2025.\u003c\/p\u003e\n\u003cp\u003eThese hubs integrate voice, chat, and CRM for an omnichannel flow-average handling time fell 14% after API linking in 2024-and they reassure customers during sensitive transactions like wire transfers and fraud disputes.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e68% complex inquiries resolved by agents\u003c\/li\u003e\n\u003cli\u003e22% reduction in escalation costs (2025)\u003c\/li\u003e\n\u003cli\u003e14% drop in average handling time after 2024 API integration\u003c\/li\u003e\n\u003cli\u003eCritical for fraud, wire, and dispute reassurance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel power: branches, app, ATMs \u0026amp; field sales drive 40% SME originations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBranches (210)\/stores (75) handle 48% corporate onboarding, 62% commercial loans, 55% advisory fees; app\/web serve ~78% retail, 92% routine transactions, 1.3M logins\/day (2025); 1,200 ATMs avg 1,100 tx\/day; proactive visits drove ¥12.4bn of ¥31.0bn SME originations (40%) in 2024; call centers resolve 68% complex cases, cut escalation costs 22% (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metrics (2024-25)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/Stores\u003c\/td\u003e\n\u003ctd\u003e210\/75; 48% onboarding; 62% loan vol; 55% advisory\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eApp\/Web\u003c\/td\u003e\n\u003ctd\u003e78% retail users; 92% routine tx; 1.3M logins\/day\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\u003c\/td\u003e\n\u003ctd\u003e1,200 machines; 1,100 tx\/day\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eField Sales\u003c\/td\u003e\n\u003ctd\u003e¥12.4bn of ¥31.0bn (40%); approval 18 days\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCall Centers\u003c\/td\u003e\n\u003ctd\u003e68% complex resolved; -22% escalation costs\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Small and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMEs in Gifu and Aichi form Juroku Financial Group's core corporate base, mainly family-owned manufacturers and retailers that account for roughly 42% of its regional loan book (¥320bn of ¥760bn, 2025); they need term loans, payroll services, and trade finance. Juroku targets modernization and export support-digital payment integration, equipment leases, and FX hedges-helping clients boost productivity and cross-border sales. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocal Retail Individual Customers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLocal retail customers-households and salaried workers in Gifu and surrounding prefectures-use Juroku Bank for salary deposits, mortgage repayments, and daily payments; they prized branch access and safety, and supplied about ¥1.2 trillion (≈$8.7bn) or roughly 62% of Juroku Financial Group's deposits at fiscal 2024 year-end, forming the stable funding base for its lending book.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-Net-Worth Individuals and Asset Owners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eWealthy individuals in the region need sophisticated wealth management, tax planning, and inheritance services; Japan had 3.2 million HNWIs (net worth ≥1m USD) in 2024, with private wealth growing 4.6% in 2024, so this cohort seeks portfolio diversification and generational transfer solutions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePublic Sector and Municipalities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eJuroku Financial Group serves local governments and public organizations to manage tax revenues and finance regional infrastructure, handling roughly ¥250 billion in municipal deposits and lending as of FY2024, with tailored escrow and bond services that meet strict financial compliance and security standards.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHandles ~¥250bn municipal funds (FY2024)\u003c\/li\u003e\n\u003cli\u003eProvides escrow, tax collection, project bonds\u003c\/li\u003e\n\u003cli\u003eMeets national\/local audit and security regs\u003c\/li\u003e\n\u003cli\u003eStrengthens role as regional economic pillar\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNext-Generation Startups and Innovators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eA growing cohort of Tokai founders (ages 25-40) now seeks venture debt and mentoring; Juroku Financial Group offers tailored loans and intro programs, supporting 120+ startups in 2024 and underwriting ¥3.6bn in early-stage debt to regional scale-ups.\u003c\/p\u003e\n\u003cp\u003eCultivating these innovators boosts regional GDP diversification-Tokai startups contributed an estimated ¥45bn in revenue in 2024-and secures long-term deal flow for Juroku.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e120+ startups supported in 2024\u003c\/li\u003e\n\u003cli\u003e¥3.6bn venture debt deployed in 2024\u003c\/li\u003e\n\u003cli\u003eFounders median age: ~33\u003c\/li\u003e\n\u003cli\u003eTokai startup revenue contribution: ¥45bn (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDiversified Financial Hub: SMEs, HNWIs, Municipal Funds \u0026amp; Venture Debt Power Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSMEs (42% loan book: ¥320bn\/¥760bn, 2025), local retail depositors (¥1.2tn deposits, FY2024), HNWIs (Japan: 3.2M HNWIs, 2024), municipal clients (¥250bn municipal funds, FY2024), and 120+ startups (¥3.6bn venture debt, 2024) -services: term loans, mortgages, wealth\/inheritance, escrow, municipal finance, venture debt.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey 2024-25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003e¥320bn loans (42%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e¥1.2tn deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHNWIs\u003c\/td\u003e\n\u003ctd\u003e3.2M Japan (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMunicipal\u003c\/td\u003e\n\u003ctd\u003e¥250bn funds\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStartups\u003c\/td\u003e\n\u003ctd\u003e120+ firms, ¥3.6bn debt\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Training Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe largest cost is salaries, benefits and training, consuming about 35-40% of operating expenses-roughly ¥45-55 billion annually for Juroku Financial Group (FY2024 consolidated operating expenses ~¥140bn). Ongoing professional development and recruitment add 5-7% more, and shifting to advisory services raises specialized talent costs by ~10% year-over-year, driving higher hiring and certification spends. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIT Infrastructure and Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eJuroku Financial Group spends large capital on IT and cybersecurity: cloud and software licenses cost roughly ¥6.2 billion in 2024, and planned 2025 IT upgrades push the budget to ~¥7.5 billion, with cybersecurity rising to ~18% of IT spend due to heightened threats and regulatory demands.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBranch and Real Estate Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOperating Juroku Financial Group's branch network drives major fixed costs-rent, utilities, and upkeep-averaging about ¥60,000-¥120,000 per branch monthly in 2025, and roughly 25-30% of total SG\u0026amp;A; the group is reducing locations but must modernize remaining sites into consultation hubs, requiring one-time capex of ¥8-15 million per branch for IT, ADA compliance, and security upgrades.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group spends heavily on legal audits, statutory reporting, and compliance with Japan's Banking Act and FSA rules-about ¥5.2bn in 2024 (rough estimate 0.9% of group operating costs). This covers AML software licenses, KYC systems, and a compliance team managing regulator relations to protect the banking license and reputation.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥5.2bn estimated 2024 compliance spend\u003c\/li\u003e\n\u003cli\u003e~0.9% of operating costs\u003c\/li\u003e\n\u003cli\u003eAML\/KYC software + licences\u003c\/li\u003e\n\u003cli\u003eDedicated compliance personnel\u003c\/li\u003e\n\u003cli\u003eMaintains FSA licensing \u0026amp; reputation\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Risk and Provisions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank must hold regulatory provisions against loan losses; Juroku Financial Group reported loan-loss provisions of ¥24.5 billion in FY2024 (ending Mar 2025), up 14% y\/y as regional manufacturing stress rose.\u003c\/p\u003e\n\u003cp\u003eProvisions swing with GDP and sector health, so Juroku uses advanced credit models and monthly portfolio stress tests to limit volatility and target NPLs below 1.2%.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFY2024 provisions: ¥24.5bn\u003c\/li\u003e\n\u003cli\u003eYoY change: +14%\u003c\/li\u003e\n\u003cli\u003eTarget NPL ratio: \u0026lt;1.2%\u003c\/li\u003e\n\u003cli\u003eMonthly stress tests and advanced credit models\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSalaries, provisions and IT upgrades drive FY2025 cost surge\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLargest costs: salaries 35-40% (~¥45-55bn of ~¥140bn op ex FY2024), IT\/cyber ¥6.2bn (2024) → ¥7.5bn planned (2025), branch fixed costs ~25-30% SG\u0026amp;A (~¥60k-¥120k\/month\/branch; one‑time capex ¥8-15m each), compliance ~¥5.2bn (0.9%), provisions ¥24.5bn (FY2024, +14%).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003cth\u003e2025 plan\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSalaries (% \/ ¥)\u003c\/td\u003e\n\u003ctd\u003e35-40% \/ ¥45-55bn\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT \u0026amp; cyber\u003c\/td\u003e\n\u003ctd\u003e¥6.2bn\u003c\/td\u003e\n\u003ctd\u003e¥7.5bn (IT upgrades)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches (monthly \/ capex)\u003c\/td\u003e\n\u003ctd\u003e¥60k-¥120k\u003c\/td\u003e\n\u003ctd\u003e¥8-15m one‑time\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e¥5.2bn (0.9%)\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProvisions\u003c\/td\u003e\n\u003ctd\u003e¥24.5bn (+14%)\u003c\/td\u003e\n\u003ctd\u003eTarget NPL \u0026lt;1.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary revenue is net interest income-the margin between deposit costs and loan yields-driven by residential mortgages, corporate term loans, and consumer credit; Juroku Financial Group reported net interest income of ¥72.4 billion in FY2024 and guidance for an increase in 2025 as policy rates rose. In the higher-rate 2025 environment, preserving a spread near 1.8% is the key profitability lever, so asset‑liability repricing and loan mix shifts matter most.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFees and Commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRevenue comes from service fees for wire transfers, brokerage commissions, and sales of insurance and investment trusts; in FY2024 Juroku Financial Group reported noninterest income of ¥38.7 billion, with fees and commissions up 7.2% year-on-year to ¥15.4 billion, signaling diversification away from interest-rate reliance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLeasing and Non-Banking Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe group earns substantial revenue via Juroku Leasing Co., which generated ¥18.4 billion in FY2024 from equipment and vehicle finance to regional SMEs, and from Juroku Card merchant fees (~¥3.1 billion) plus ¥520 million in annual membership dues; these services raise client wallet share and boost fee income to ~12% of consolidated revenue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvisory and Consulting Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAdvisory and consulting fees come from specialized M\u0026amp;A, business-succession, and regional-development advice, billed mainly per project and reflecting high-value intellectual capital; by 2025 these services grew ~22% year-over-year for Juroku Financial Group, driven by aging-owner succession and municipal redevelopment.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProject-based fees dominate\u003c\/li\u003e\n\u003cli\u003e~22% y\/y growth in 2025\u003c\/li\u003e\n\u003cli\u003eHigher margins vs retail lending\u003c\/li\u003e\n\u003cli\u003eFocus: M\u0026amp;A, succession, regional projects\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment and Securities Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group manages a diversified portfolio of JPY government bonds, domestic equities, and other securities, generating secondary income that supported ¥12.4bn in realized\/unrealized gains in FY2024 and helped maintain a CET1-equivalent liquidity buffer near 9.5%.\u003c\/p\u003e\n\u003cp\u003eGains fluctuate with markets-FY2024 marked a 3.1% total return on the securities book-yet these holdings remain central to liquidity management and capital position optimization.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFY2024 securities gains: ¥12.4bn\u003c\/li\u003e\n\u003cli\u003eTotal return on book FY2024: 3.1%\u003c\/li\u003e\n\u003cli\u003eLiquidity buffer (CET1-like): ~9.5%\u003c\/li\u003e\n\u003cli\u003eAssets: mix of JGBs, domestic stocks, corporate bonds\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFY24: NII ¥72.4bn, noninterest ¥38.7bn - leasing ¥18.4bn, liquidity ~9.5%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNet interest income led at ¥72.4bn (FY2024) with target spread ~1.8% in 2025; noninterest fees ¥15.4bn (fees up 7.2% YoY) and noninterest income ¥38.7bn. Leasing ¥18.4bn, card fees ¥3.1bn, advisory +22% YoY in 2025; securities gains ¥12.4bn (3.1% return), liquidity ~9.5% CET1-equivalent.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eFY2024 \/ 2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest income\u003c\/td\u003e\n\u003ctd\u003e¥72.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNoninterest income\u003c\/td\u003e\n\u003ctd\u003e¥38.7bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLeasing\u003c\/td\u003e\n\u003ctd\u003e¥18.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees \u0026amp; commissions\u003c\/td\u003e\n\u003ctd\u003e¥15.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSecurities gains\u003c\/td\u003e\n\u003ctd\u003e¥12.4bn (3.1%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLiquidity (CET1-like)\u003c\/td\u003e\n\u003ctd\u003e~9.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347727688011,"sku":"juroku-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/juroku-canvas-business-model.webp?v=1779145929","url":"https:\/\/valuechainanalysis.com\/products\/juroku-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}