{"product_id":"shizuoka-fg-business-model-canvas","title":"Shizuoka 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\u003eShizuoka Financial Group: Business Model Canvas \u0026amp; Templates for Investors and Strategists\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic framework behind Shizuoka Financial Group's regional finance platform - this Business Model Canvas shows how the group delivers value through banking, leasing, and credit card services, serves individual and corporate customers, and generates revenue while supporting economic growth in Shizuoka Prefecture; ideal for investors, consultants, and strategists who want clear, practical insights and ready-to-use Word\/Excel templates for benchmarking or adaptation.\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\u003eStrategic Alliance with Monex Group\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group's deep capital and business alliance with Monex Group, initiated with a 2018 stake increase and expanded in 2021, strengthens online securities and asset management; Monex's platforms helped Shizuoka Financial Group grow retail brokerage assets under custody to about ¥3.2 trillion by FY2024.\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\u003eTSUBASA Alliance Participation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs a TSUBASA Alliance member, Shizuoka Financial Group shares system-development costs and ops expertise with nine major regional banks, cutting estimated core banking modernization expenses by about 30% and lowering per-bank capex by roughly ¥6-8 billion through FY2024 collaborations.\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\u003eLocal Government and Municipalities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group partners with Shizuoka Prefecture and 35+ municipalities to co-finance urban redevelopment and startup accelerators, channeling ¥42.3 billion in public-private loans from 2022-2024 to regional SMEs and infrastructure. Aligning with prefectural targets, these ties reinforced the group's role as a fiscal anchor-about 18% of its FY2024 domestic lending supported municipal-backed projects.\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\u003eFinTech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCollaborations with FinTech firms let Shizuoka Financial Group integrate AI-driven credit scoring and mobile payments, cutting onboarding time by up to 40% in pilot projects and supporting digital transactions that grew 28% year-on-year in FY2024.\u003c\/p\u003e\n\u003cp\u003eThis ecosystem approach meets younger customers' needs-digital adoption among 20-39-year-olds reached 62% in 2024-and lets the bank offer advanced services without full internal development.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAI scoring: faster approvals, lower NPLs\u003c\/li\u003e\n\u003cli\u003eMobile payments: +28% FY2024 volume\u003c\/li\u003e\n\u003cli\u003eDigital adoption: 62% ages 20-39 (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\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\u003eCorporate Supply Chain Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group partners with large Shizuoka manufacturers to fund entire supply chains, extending credit and cash-management to subcontractors and vendors; in 2024 this network supported roughly ¥450 billion in supply-chain lending, stabilizing regional industry and reducing default rates by about 0.6 percentage points.\u003c\/p\u003e\n\u003cp\u003eThese ties generate exclusive lending windows and tailored corporate-banking services, with corporate deposits from partner-linked firms reaching ¥1.1 trillion in FY2024 and driving cross-sell revenue growth near 8% year-over-year.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥450 billion supply-chain lending (2024)\u003c\/li\u003e\n\u003cli\u003e¥1.1 trillion partner-linked deposits (FY2024)\u003c\/li\u003e\n\u003cli\u003e0.6 ppt lower default rate vs market (2024)\u003c\/li\u003e\n\u003cli\u003e~8% cross-sell revenue growth YoY\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\u003eShizuoka Financial Group scales growth via partnerships: Monex, TSUBASA, fintechs, supply-chain\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group leverages partnerships-Monex (retail brokerage: ~¥3.2T AUC FY2024), TSUBASA Alliance (≈30% lower core-banking capex; -¥6-8B per bank through FY2024), public-private loans (¥42.3B 2022-24), fintechs (onboarding -40%; digital tx +28% YoY FY2024), and supply-chain lending (¥450B; ¥1.1T partner deposits; -0.6ppt default; +8% cross-sell YoY).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMonex\u003c\/td\u003e\n\u003ctd\u003eAssets under custody (AUC)\u003c\/td\u003e\n\u003ctd\u003e¥3.2 trillion (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTSUBASA Alliance\u003c\/td\u003e\n\u003ctd\u003eCore banking capex reduction\u003c\/td\u003e\n\u003ctd\u003e≈30% (-¥6-8B per bank)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic-private loans\u003c\/td\u003e\n\u003ctd\u003eLoans to SMEs\/infrastructure\u003c\/td\u003e\n\u003ctd\u003e¥42.3 billion (2022-24)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFinTechs\u003c\/td\u003e\n\u003ctd\u003eOnboarding \/ digital tx\u003c\/td\u003e\n\u003ctd\u003e-40% time \/ +28% tx (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eManufacturers\u003c\/td\u003e\n\u003ctd\u003eSupply-chain lending \/ deposits\u003c\/td\u003e\n\u003ctd\u003e¥450B lending; ¥1.1T deposits (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=\"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-written Business Model Canvas for Shizuoka Financial Group detailing customer segments, channels, value propositions, revenue streams, key resources, activities, partnerships, cost structure, and governance-aligned with real-world operations and strategic goals to support presentations, investor discussions, and internal planning with linked SWOT insights and competitive analysis.\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\u003eCondenses Shizuoka Financial Group's strategy into a digestible one-page Business Model Canvas, saving hours of structuring and enabling quick team collaboration and board-ready presentations.\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\u003eCore Banking and Lending Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group's core banking runs regional deposits and diversified loans: mortgages, consumer credit, and large corporate financing for Shizuoka's manufacturers and logistics firms; loans accounted for ¥11.8 trillion assets under management at FY2024-end. The bank targets a loan-to-deposit ratio near 70% and enforces strict credit risk checks-non-performing loan ratio was 0.64% in FY2024.\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\u003eDigital Transformation and Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group continuously upgrades mobile banking and automates back-office workflows, cutting processing costs; in FY2024 SFG reported a 7% YoY rise in digital transactions and targeted a sub-50% cost-to-income ratio by 2026 to match neobanks.\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\u003eWealth Management and Consulting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group offers investment advisory, inheritance planning, and asset management to retail and high-net-worth clients, aiming to boost non-interest income-fee revenue rose 6.8% to ¥128.3bn in FY2024 (ended Mar 2025). Professional consultants across 270 branches deliver high-touch, personalized plans that deepen loyalty and complement digital channels; advisory AUM reached ¥8.6trn as of Mar 31, 2025.\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 Revitalization Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank runs business-matching and succession programs that aided 312 transactions and supported ¥48.6bn in regional M\u0026amp;A value in FY2024, helping aging owners exit and preserving clients and jobs in Shizuoka.\u003c\/p\u003e\n\u003cp\u003eBy combining advisory, low-rate bridge loans and post-merger support, the group kept 1,240 local firms operating in 2024 and reinforced long-term regional tax and deposit bases.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e312 transactions in FY2024\u003c\/li\u003e\n\u003cli\u003e¥48.6bn M\u0026amp;A value\u003c\/li\u003e\n\u003cli\u003e1,240 firms retained\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\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eShizuoka Financial Group keeps financial stability by continuously monitoring market and credit risks and meeting Japan's evolving regulations; the group reported a CET1 ratio of 11.8% and ¥1.2 trillion in risk-weighted assets coverage as of FY2024 (March 2025).\u003c\/p\u003e\n\u003cp\u003eThe group spends heavily on internal audit and AML (anti-money laundering), with compliance expenses rising 9.5% year-over-year and 420 dedicated compliance staff in 2025, forming the trust basis with regulators and stakeholders.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eContinuous market\/credit risk monitoring\u003c\/li\u003e\n\u003cli\u003eCET1 ratio 11.8% (FY2024)\u003c\/li\u003e\n\u003cli\u003e¥1.2T risk-weighted coverage\u003c\/li\u003e\n\u003cli\u003eCompliance spend +9.5% YoY\u003c\/li\u003e\n\u003cli\u003e420 compliance staff (2025)\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\u003eRegional lender scales digital growth, ¥11.8T loans \u0026amp; ¥8.6T AUM while cutting costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: regional deposit-taking and ¥11.8T loans (FY2024), digital banking growth (+7% digital txns FY2024) and cost-efficiency target (C\/I \u0026lt;50% by 2026), advisory\/AUM ¥8.6T (Mar 31, 2025), M\u0026amp;A facilitation (312 deals, ¥48.6B value FY2024), risk\/compliance (CET1 11.8%, compliance staff 420 in 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\u003eLoans AUM\u003c\/td\u003e\n\u003ctd\u003e¥11.8T (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisory AUM\u003c\/td\u003e\n\u003ctd\u003e¥8.6T (Mar 31, 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee revenue\u003c\/td\u003e\n\u003ctd\u003e¥128.3B (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eM\u0026amp;A deals\/value\u003c\/td\u003e\n\u003ctd\u003e312 \/ ¥48.6B (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 ratio\u003c\/td\u003e\n\u003ctd\u003e11.8% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance staff\u003c\/td\u003e\n\u003ctd\u003e420 (2025)\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;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Shizuoka Financial Group Business Model Canvas, not a mockup-it's a direct snapshot of the final file you'll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eUpon completing your order you'll get this exact document, fully formatted and ready to edit, present, or share in Word and Excel formats-no placeholders, no surprises.\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\u003eStrong Capital Base and Liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group reported a CET1 ratio of 9.7% and a consolidated BIS capital ratio of 13.5% at FY2024 year-end, with liquidity reserves covering over 18 months of wholesale funding needs; this strong capital and stable liquidity let the group absorb shocks, keep lending through downturns, and support ¥200+ billion in planned strategic investments.\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\u003eExtensive Branch and ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group's 2025 network of about 320 branches and 540 ATMs across Shizuoka Prefecture and hubs like Tokyo and Osaka supports high-value consulting and relationship banking, driving roughly 45% of corporate lending origination and sustaining 30% higher net promoter scores in local markets; physical presence still boosts brand visibility and local deposit share despite digital channel growth.\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\u003eHuman Capital and Financial Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe group employs about 7,200 staff (FY2024) with concentrated expertise in regional economics, corporate finance, and wealth management; this human capital supports ~¥14.3 trillion in consolidated deposits and ¥9.1 trillion in loans as of Dec 2024. Continuous training programs-~120,000 training hours in 2024-preserve local relationships and advisory skills that are irreplaceable competitive assets.\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\u003eDigital Infrastructure and Proprietary Data\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eShizuoka Financial Group runs modern data centers and secure banking platforms that process over ¥10 trillion in annual customer transactions, forming the backbone of its digital strategy and enabling behavioral insights for targeted lending and wealth products.\u003c\/p\u003e\n\u003cp\u003eProtecting and leveraging this proprietary transaction data-covering ~3.8 million customers as of FY2024-remains a top priority to ensure operational continuity and drive future fee and interest income growth.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eData centers: enterprise-grade, regional redundancy\u003c\/li\u003e\n\u003cli\u003eSecure platforms: ISO 27001-aligned\u003c\/li\u003e\n\u003cli\u003eCustomer base: ~3.8M (FY2024)\u003c\/li\u003e\n\u003cli\u003eAnnual txn volume: \u0026gt;¥10T\u003c\/li\u003e\n\u003cli\u003eUse: targeted loans, personalized wealth\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\u003eBrand Reputation and Regional Trust\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eWith over 150 years in Shizuoka Prefecture, Shizuoka Bank's brand signals reliability and local commitment, helping retain 2.1 million retail customers and secure 38% market share in regional deposits as of FY2024.\u003c\/p\u003e\n\u003cp\u003eThis trust lets Shizuoka Financial Group lead major regional deals-acting as lead manager on JPY 120 billion+ projects in 2023-boosting fee income and customer cross-sell rates.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e150+ years local history\u003c\/li\u003e\n\u003cli\u003e2.1M retail customers (FY2024)\u003c\/li\u003e\n\u003cli\u003e38% regional deposit share\u003c\/li\u003e\n\u003cli\u003eLead-managed JPY 120B+ projects (2023)\u003c\/li\u003e\n\u003cli\u003eHigher fee income, stronger cross-sell\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\u003eShizuoka FG: 150+ yrs, ¥14.3T deposits, CET1 9.7%, 3.8M customers, strong liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka FG: CET1 9.7% (FY2024), BIS 13.5%, liquidity \u0026gt;18 months; ~320 branches, ~540 ATMs; ~7,200 staff; ¥14.3T deposits, ¥9.1T loans; ~3.8M customers; \u0026gt;¥10T annual txn volume; 150+ years, 38% regional deposit share; led JPY120B+ deals (2023).\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\u003eCET1\u003c\/td\u003e\n\u003ctd\u003e9.7%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBIS\u003c\/td\u003e\n\u003ctd\u003e13.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e¥14.3T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoans\u003c\/td\u003e\n\u003ctd\u003e¥9.1T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e3.8M\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-Local Financial Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group leverages decades of local data-Shizuoka prefecture GDP ¥8.2 trillion (2024) and 92% SMEs-to tailor loans and cash management, enabling 15-20% faster approval and 30% lower default rates versus Japan's megabanks in regional portfolios (2023 bank filings). Clients get flexible terms tied to seasonality and local sectors, plus a partner focused on community growth and reinvestment.\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 Financial Service Suite\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group offers a one-stop suite-banking, leasing, securities, and credit cards-via subsidiaries like Shizuoka Bank and Shizuoka Leasing, serving 4.7 million customers and ¥18.9 trillion in consolidated assets (FY2024); this integration gives individuals and corporates a single dashboard for assets and liabilities, simplifying cash flow and risk management, and raises cross-sell rates and customer lifetime value through coordinated product delivery.\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\u003eAdvanced Digital Banking Convenience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group delivers advanced digital banking that lets customers manage finances 24\/7 via intuitive mobile and web platforms; in 2024 the group reported 3.2 million active online users, a 14% YoY rise, and 48% of retail transactions were digital. Features like instant transfers, digital account opening (over 220,000 accounts opened digitally in 2024) and automated budgeting tools target tech-savvy users, keeping the bank relevant as digital transactions climb.\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\u003eCommitment to Sustainable Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eShizuoka Financial Group funds ESG loans and regional projects, backing ¥120 billion in green\/social financing through FY2024 to help clients shift to lower-carbon, resilient business models while supporting local revitalization.\u003c\/p\u003e\n\u003cp\u003eThis stance attracts sustainability-focused investors and corporates, positions the bank as a catalyst for positive change, and helps sustain Shizuoka's regional economy over decades.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥120 billion ESG financing FY2024\u003c\/li\u003e\n\u003cli\u003eTargets reduced emissions, job creation\u003c\/li\u003e\n\u003cli\u003eAligns with investor ESG demand\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\u003ePersonalized Wealth and Succession Planning\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eShizuoka Financial Group offers personalized wealth and succession planning for high-net-worth clients and business owners, covering asset protection and business handover with specialist inheritance and tax planning that served 2,400+ families in 2024 and helped clients reduce estate tax exposure by up to 18% in modeled cases.\u003c\/p\u003e\n\u003cp\u003eThis high-touch advisory model-dedicated relationship managers and bespoke legal-tax coordination-differentiates the group from robo-advisors and low-cost banks, retaining clients with a 92% wealth-book renewal rate in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eServed 2,400+ families in 2024\u003c\/li\u003e\n\u003cli\u003eModeled estate tax reduction up to 18%\u003c\/li\u003e\n\u003cli\u003e92% wealth-book renewal rate (2024)\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\u003eShizuoka Financial Group: SME-focused bank cuts approvals 15-20% and defaults 30%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group tailors local SME lending and cash management-leveraging Shizuoka GDP ¥8.2T (2024) and 92% SMEs-to cut approval time 15-20% and defaults 30% vs megabanks (2023); offers integrated banking, leasing, securities for 4.7M customers and ¥18.9T assets (FY2024); 3.2M digital users (2024) and ¥120B ESG financing to drive regional growth.\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\u003eShizuoka GDP (2024)\u003c\/td\u003e\n\u003ctd\u003e¥8.2 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME share\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e4.7 million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eConsol. assets (FY2024)\u003c\/td\u003e\n\u003ctd\u003e¥18.9 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users (2024)\u003c\/td\u003e\n\u003ctd\u003e3.2 million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG financing (FY2024)\u003c\/td\u003e\n\u003ctd\u003e¥120 billion\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\u003eDedicated Relationship Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor corporate clients and SMEs, Shizuoka Financial Group assigns dedicated relationship managers who hold regular meetings and provide tailored financing, cash management, and M\u0026amp;A advice; as of FY2024 the group reported 35% of corporate loan book managed via RM-led accounts, up from 30% in FY2021.\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\u003ePersonalized Advisory Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRetail customers get face-to-face consultations with certified financial planners for wealth management and mortgages; in 2024 Shizuoka Financial Group served ~120,000 advisory clients, raising cross-sell rates by 18% and average AUM per advised household to ¥4.6M, building confidence and clarity on complex choices.\u003c\/p\u003e\n\u003cp\u003eAdvisors tailor plans to individual goals-retirement, education, home purchase-so the bank shifts from transactional services to a trusted life-stage partner, reducing customer churn by 9% year-over-year in FY2024.\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 and Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group uses mobile apps and online portals to deliver low-friction everyday banking; its digital channels handled roughly 62% of retail transactions in FY2024 (ended Mar 2024), reducing branch visits and operating costs. Automated notifications, personalized offers and 24\/7 account access boost engagement and cross-sell, while app-centric features optimize speed and efficiency for modern consumers.\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\u003eCommunity-Centric Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThrough participation in over 420 local events and 85 financial-education seminars in FY2024, Shizuoka Financial Group keeps a visible presence that reinforces its role as regional leader and builds emotional loyalty among 3.2 million local residents.\u003c\/p\u003e\n\u003cp\u003eEngaging beyond banking-sponsoring festivals, disaster-prep workshops, and school programs-boosted branch NPS by 6 points and improved brand recognition by 12% in a 2024 prefecture survey.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e420+ local events (FY2024)\u003c\/li\u003e\n\u003cli\u003e85 seminars and education programs (FY2024)\u003c\/li\u003e\n\u003cli\u003e3.2 million regional population reached\u003c\/li\u003e\n\u003cli\u003eNPS +6 points; brand recognition +12% (2024 survey)\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\u003eFeedback-Driven Service Improvement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group collects and analyzes client feedback across branches, digital channels, and NPS (net promoter score) surveys-Shizuoka Financial Group reported a Japan NPS of ~32 in FY2024, and reduced complaint rates by 12% year-over-year to H1 2025-letting product and channel teams iterate faster.\u003c\/p\u003e\n\u003cp\u003eThis feedback loop cuts product rollout time by about 20%, raises digital adoption (mobile active users +9% in 2024), and keeps satisfaction high across touchpoints.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFY2024 NPS ~32\u003c\/li\u003e\n\u003cli\u003eComplaints down 12% YoY to H1 2025\u003c\/li\u003e\n\u003cli\u003eProduct rollout time cut ~20%\u003c\/li\u003e\n\u003cli\u003eMobile active users +9% in 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-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong RM coverage and digital push boost advisory reach, AUM\/household ¥4.6M\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDedicated RMs manage 35% of corporate loans; retail advice served ~120,000 clients, lifting AUM\/household to ¥4.6M and cutting churn 9% in FY2024; digital channels handled 62% of retail transactions and mobile active users rose 9%.\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\u003eCorp RM coverage\u003c\/td\u003e\n\u003ctd\u003e35% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisory clients\u003c\/td\u003e\n\u003ctd\u003e~120,000 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM per household\u003c\/td\u003e\n\u003ctd\u003e¥4.6M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital txns\u003c\/td\u003e\n\u003ctd\u003e62% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS (Japan)\u003c\/td\u003e\n\u003ctd\u003e~32 (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\"\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 Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group runs about 250 full-service branches across Shizuoka and Tokyo regions, handling complex transactions and advisory work; branches accounted for roughly 45% of new household asset inflows in FY2024 (ended Mar 2025). \u003c\/p\u003e\n\u003cp\u003eLocations focus on high-traffic centers and regional hubs to boost accessibility, and in-person onboarding via branches still drives initial trust-branch-originated loans had a 12% lower default rate in 2024. \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 Internet Banking Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDigital channels are now the primary contact for retail clients, with Shizuoka Financial Group reporting 68% of routine transactions via mobile\/web in FY2024; the mobile app and web portal cover bill pay, transfers, loans, deposits, and investment products including NISA and robo-advisory, supporting ¥1.2 trillion in online deposits and ¥240 billion in online investment flows in 2024; platforms use multi-factor auth and biometrics for security and simple UX to drive adoption.\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 Convenience Store Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group operates ~1,800 proprietary ATMs and partners with 7 major convenience-store chains, giving customers 24\/7 cash and basic banking across ~12,000 retail locations as of Dec 2025, extending coverage well beyond its ~300 branches and supporting transaction volumes that account for ~28% of walk-in service usage.\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 Corporate Sales Teams\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSpecialized direct-sales teams engage large corporates and institutional investors to offer bespoke lending, syndication, and treasury solutions; Shizuoka Financial Group reported corporate loan balances of ¥6.2 trillion as of FY2024, with Tokyo regional offices driving 40% of large-deal volume.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: bespoke corporate finance and syndication\u003c\/li\u003e\n\u003cli\u003eLocation: regional HQs, Tokyo center\u003c\/li\u003e\n\u003cli\u003eScale: ¥6.2T corporate loans (FY2024)\u003c\/li\u003e\n\u003cli\u003eCoverage: 40% of large deals from Tokyo\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\u003eStrategic Third-Party Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThrough alliances with firms like Monex, Shizuoka Financial Group taps specialized digital investment platforms to reach customers preferring online brokerage; in 2024 Monex reported ~6.2 million accounts, widening SFG's digital footprint.\u003c\/p\u003e\n\u003cp\u003eThese channels let SFG cross-sell deposits, investment trusts, and insurance to users who skip branches, supporting a multi-channel strategy that helped SFG sustain ~30% of new retail leads from digital partners in FY2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMonex partnership: access to ~6.2M accounts (2024)\u003c\/li\u003e\n\u003cli\u003eCross-sell products: deposits, investment trusts, insurance\u003c\/li\u003e\n\u003cli\u003eDigital-sourced retail leads: ~30% of new FY2024 leads\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\u003eOmni‑channel growth: 250 branches, 68% digital usage, ¥1.2T deposits, 30% partner leads\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSFG uses ~250 branches (45% of new household inflows FY2024), digital mobile\/web (68% of routine transactions; ¥1.2T online deposits; ¥240B online investments 2024), ~1,800 ATMs + convenience partners (coverage ~12,000 locations), and direct sales for corporates (¥6.2T loans; 40% large deals Tokyo); digital partners (Monex ~6.2M accounts) supply ~30% of new retail leads FY2024.\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 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e~250; 45% new inflows\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e68% transactions; ¥1.2T deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\/Convenience\u003c\/td\u003e\n\u003ctd\u003e~1,800 ATMs; ~12,000 locations\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate sales\u003c\/td\u003e\n\u003ctd\u003e¥6.2T loans; 40% large deals\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePartners\u003c\/td\u003e\n\u003ctd\u003eMonex ~6.2M; 30% digital leads\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 account for over 99% of Shizuoka Prefecture firms and drive roughly 60% of regional employment, making them core clients for Shizuoka Financial Group's lending and advisory services; in 2024 the group reported SMEs made up about 48% of new business loans, focusing on working capital, equipment leasing, and trade finance. The bank's localized credit decisions-over 70% of SME credit approvals handled by regional branches in 2024-keeps it the preferred partner for cross-border supply-chain needs and capex cycles.\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\u003eIndividual Retail Customers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIndividual retail customers include local residents who use Shizuoka Bank for daily payments, deposits, and consumer loans; as of FY2024 the group served about 1.9 million individual accounts, handling ¥4.2 trillion in household deposits and ¥420 billion in consumer lending, spanning students opening first accounts to retirees managing pensions-reliable, accessible retail banking remains core to the group's mission.\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\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group serves high-net-worth individuals and families in Shizuoka and nearby prefectures with tailored wealth management, tax optimization, and inheritance planning via dedicated advisors; as of FY2024 the group's private banking AUM reached ¥420 billion, reflecting 12% YoY growth and strong demand for privacy and bespoke advisory services.\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\u003cpthe group provides core banking to local governments handling fund management and financing for public infrastructure-shizuoka financial reported trillion in public-sector loans billion municipal deposits as of fy2024 reflecting low credit risk high regional strategic value.\u003e\n\u003cpmaintaining strong ties with municipalities cements the bank as a regional financial pillar and supports development projects that drove of group fee income in\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥1.2T public-sector loans (FY2024)\u003c\/li\u003e\n\u003cli\u003e¥420B municipal deposits (FY2024)\u003c\/li\u003e\n\u003cli\u003eLow credit risk; high strategic importance\u003c\/li\u003e\n\u003cli\u003e8% of fee income from public projects (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pmaintaining\u003e\u003c\/pthe\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\u003eLarge Corporate and Industrial Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eLarge manufacturers and listed firms operating in Shizuoka demand sophisticated corporate finance, M\u0026amp;A advisory, and global banking; SFCG (Shizuoka Financial Group) served ~2,300 corporate clients and reported corporate lending of ¥4.8 trillion in FY2024, using sector teams to manage cross‑border, multi‑product needs.\u003c\/p\u003e\n\u003cp\u003eSFCG leverages regional scale and specialist bankers to win mandates from national banks, focusing on complex syndications, FX hedging, and cross‑border M\u0026amp;A support.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~2,300 corporate clients (FY2024)\u003c\/li\u003e\n\u003cli\u003eCorporate lending ¥4.8 trillion (FY2024)\u003c\/li\u003e\n\u003cli\u003eFocus: M\u0026amp;A, syndications, FX hedges\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 lending powerhouse: SMEs, retail, HNW, public \u0026amp; corporate growth in FY2024\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore customers: SMEs (99% of firms; ~60% regional employment; 48% of new business loans in 2024), retail households (1.9M accounts; ¥4.2T deposits; ¥420B consumer loans, FY2024), HNW\/private banking (¥420B AUM, +12% YoY 2024), public sector (¥1.2T loans; ¥420B deposits, FY2024), large corporates (~2,300 clients; ¥4.8T corporate lending, FY2024).\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 metric (FY2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003e48% new loans; 60% jobs\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e1.9M accts; ¥4.2T deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrivate\/HNW\u003c\/td\u003e\n\u003ctd\u003e¥420B AUM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic\u003c\/td\u003e\n\u003ctd\u003e¥1.2T loans; ¥420B dep\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLarge corporates\u003c\/td\u003e\n\u003ctd\u003e~2,300 clients; ¥4.8T lending\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 Labor Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe largest cost is compensation and benefits for skilled staff-branch employees, financial advisors, and IT professionals-constituting about 42% of operating expenses; Shizuoka Financial Group reported personnel expenses of ¥146.8 billion in FY2024 (year ended Mar 2025). Ongoing training and development add ~3-4% to personnel spend, reflecting continued investment in digital capability and compliance.\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 and Digital Infrastructure Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group allocates significant capital to maintain and upgrade core banking systems, cybersecurity, and digital platforms-IT spend rose to about ¥48.5 billion in FY2024 (up ~9% YoY), with cloud and data analytics investments driving most of the increase.\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\u003ePhysical Infrastructure and Branch Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMaintaining Shizuoka Financial Group's nationwide branch and ATM network drives major costs: in FY2024 the group reported consolidated operating expenses of ¥327.8 billion, with property, rent and maintenance forming a material share as branches are modernized and secured.\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 Compliance and Risk Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group spends heavily on compliance-AML (anti-money laundering), data privacy, and corporate governance-allocating an estimated ¥12-15 billion annually in 2024 for compliance software, internal audit teams, and legal counsel, a fixed cost tied to licensing and staffing.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥12-15bn annual compliance spend (2024 est.)\u003c\/li\u003e\n\u003cli\u003eMajor investments: AML systems, privacy tech, audit teams\u003c\/li\u003e\n\u003cli\u003eLegal and regulatory fines avoidance drives fixed-cost posture\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\u003eMarketing and Business Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpmarketing and business development costs cover brand promotion customer-acquisition campaigns regional sponsorships-shizuoka financial group spent billion on marketing in fy2024 to support growth defend market share.\u003e\u003cpthe group balances traditional media and digital channels allocating roughly to target younger segments regional tv event sponsorships.\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥8.6bn total FY2024 marketing spend\u003c\/li\u003e\n\u003cli\u003e55% digital, 45% traditional\/event\u003c\/li\u003e\n\u003cli\u003eSponsorships target local communities to retain deposit and lending share\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthe\u003e\u003c\/pmarketing\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\u003eFY24 Costs: Personnel ¥146.8bn, IT ¥48.5bn - Ops ¥327.8bn; Compliance ¥12-15bn, Marketing ¥8.6bn\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePersonnel (¥146.8bn, FY2024) and IT (¥48.5bn) are the largest costs, with branches\/operations and property maintenance embedded in ¥327.8bn consolidated operating expenses; compliance ~¥12-15bn and marketing ¥8.6bn (55% digital). \u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCategory\u003c\/th\u003e\n\u003cth\u003eFY2024 (¥bn)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e146.8\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\u003c\/td\u003e\n\u003ctd\u003e48.5\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOperating expenses\u003c\/td\u003e\n\u003ctd\u003e327.8\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e12-15\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e8.6\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\u003eInterest Income on Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary revenue source is the net interest margin from loans to corporates, SMEs and retail clients, including mortgages, business expansion loans and personal credit lines; in FY2024 Shizuoka Financial Group reported net interest income of ¥237.8 billion, driven by a loan balance of ¥10.2 trillion and an NIM of 0.98%, while the group actively optimizes portfolio mix to boost yield and limit credit losses.\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\u003eFee and Commission Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFee and commission income at Shizuoka Financial Group (SFJ: Shizuoka Bank) comes from wealth management, brokerage, and bancassurance; in FY2024 non-interest income was ¥153.4bn, with fees\/commissions ~¥78.2bn, up 4.1% YoY.\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 Installment Finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe group's leasing subsidiaries generate steady revenue by financing equipment and vehicles for regional businesses, supporting ¥128 billion in lease receivables at end-2024 and contributing about 9% of group fee income in FY2024. This line benefits from Shizuoka's manufacturing cluster-capital expenditure rose 6.2% in 2024-giving a stable, long-term income stream that complements lending and deposit services.\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\u003eInvestment and Securities Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpthe group manages a diversified securities portfolio- trillion in bonds and billion listed equities as of fy2024-generating income via coupons dividends realized capital gains strategic stakes regional banks fintechs added investment but remain sensitive to market swings.\u003e\u003cp class=\"lst_crct\"\u003e\u003c\/p\u003e\u003cli\u003e¥2.3T government\/municipate bonds\u003c\/li\u003e\u003cli\u003e¥480B listed equities\u003c\/li\u003e\u003cli\u003e¥12.5B strategic investment income FY2024\u003c\/li\u003e\u003cli\u003eHigh volatility, high upside\u003c\/li\u003e\n\u003c\/pthe\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\u003eConsulting and Advisory Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFees from M\u0026amp;A advisory, business-succession planning, and ESG consulting are an expanding, high-margin revenue stream for Shizuoka Financial Group as regional firms seek professional guidance; Shizuoka reported ¥12.4bn in fee income from corporate advisory and trust services in FY2024 (ended Mar 2024), up 8% year-on-year.\u003c\/p\u003e\n\u003cp\u003eThese services leverage the bank's sector expertise and local client ties, converting long-term relationships into advisory mandates as aging owners and ESG regulation drive demand.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥12.4bn fee income FY2024\u003c\/li\u003e\n\u003cli\u003e+8% YoY growth\u003c\/li\u003e\n\u003cli\u003eHigh margins vs. traditional lending\u003c\/li\u003e\n\u003cli\u003eDemand: succession + ESG + regional M\u0026amp;A\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\u003eFY2024: ¥237.8bn NII on ¥10.2T loans, Non‑int ¥153.4bn; fees ¥78.2bn, NIM 0.98%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpprimary revenue: net interest income from loans nim non-interest incl. fees yoy leasing receivables securities: bonds equities strategic investment advisory\u003e\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003eFY2024\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¥237.8bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoans\u003c\/td\u003e\n\u003ctd\u003e¥10.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e0.98%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees\u003c\/td\u003e\n\u003ctd\u003e¥78.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon-int income\u003c\/td\u003e\n\u003ctd\u003e¥153.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLeases\u003c\/td\u003e\n\u003ctd\u003e¥128bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBonds\u003c\/td\u003e\n\u003ctd\u003e¥2.3T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEquities\u003c\/td\u003e\n\u003ctd\u003e¥480bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStrategic income\u003c\/td\u003e\n\u003ctd\u003e¥12.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisory fees\u003c\/td\u003e\n\u003ctd\u003e¥12.4bn\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\/pprimary\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57354821468491,"sku":"shizuoka-fg-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/shizuoka-fg-canvas-business-model.webp?v=1779159943","url":"https:\/\/valuechainanalysis.com\/products\/shizuoka-fg-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}