One-stop provision of services that support customers' life planning

Enhancing customer satisfaction (convenience) by expanding banking apps and web services

We are strengthening non-face-to-face channels and real channels to meet various customer needs.
In non-face-to-face channels, we have expanded services that allow customers to apply 24 hours a day via banking apps and our website, and we provide a manned chatbot to respond promptly to customer inquiries. We are strengthening measures to realize stress-free operations for customers, flexibly reviewing business hours according to customer needs.
In real channels, we are promoting the development of a store environment that will transform manned stores from a place for “administrative work” to a place for “consultation.”

Campaigns for recent graduates entering the workforce by Joyo Bank and Ashikaga Bank

We provide banking applications designed for daily use, enabling more accessible and comfortable transactions at every stage of life—from when individuals start managing their own living expenses or gain financial independence through schooling or employment, to when they reach 100 years of age.
We also offer banking services tailored to our customers’ lifestyles and values, including smartphone-accessible account openings, web-only accounts (without bankbooks), and unsecured loans completed entirely online.

Penetration of banking apps (Bank total)

Providing optimal services by strengthening relations with customers through workplaces and other channels

We provide information on asset management products, financial seminars aimed at improving the financial literacy of employees, and manners training for new employees at the workplaces of our customer companies. We engage in activities that increase opportunities to connect with customers we don’t usually meet, so that we can introduce products and tools that make it more convenient to use our banking services and create opportunities for casual consultation. We provide optimal services for our customers, such as reduced fees for public utility bill payments through account transfer designation, with the aim of encouraging them to choose their existing account with us as their main account, and we strive to provide optimal services to our customers.

Financial seminar

Improving convenience for customers with housing loan needs by strengthening online application functions, etc.

Joyo Bank and Ashikaga Bank have introduced “WELCOME,” a web-based reception system for housing loans, educational loans, private car loans, and free loans. The system enables customers to complete the entire process online from application to contract. This improves the quality of customer service—making it easier to complete the process online and accelerating the screening process—as well as the efficiency of screening operations at both banks.
We support our customers in raising the funds they need to realize the life plans they envision by offering loan products.

Housing and unsecured loans executed disbursements (Bank total)

※Housing loans do not include refinancing, and only new loans are recorded.

Asset formation and investment support for customers through a combination of face-to-face and non-face-to-face channels and securities functions

We support the realization of customers’ best interests in areas such as time deposits, investment trusts, foreign currency deposits, insurances, and financial instruments intermediary services.
Joyo Bank has a “Money Consultation Desk,” which is open on Saturdays and Sundays for customers who have difficulty visiting the bank on weekdays. Ashikaga Bank has a “Block Retail Business Department,” which specializes in consulting services for individuals. Both banks have specialized staff who build strong relationships with customers through genuine communication and support them closely, helping to consider their lives together.
We are working to improve the convenience of non-face-to-face channels, such as opening investment trust accounts entirely online or via banking apps. For customers who have started asset management without visiting a branch, specialized staff provide asset consultation online or on the phone.
We also address our customers’ diversifying needs by enhancing our products and services, offering information on the products provided by Mebuki Securities, and introducing Ashigin Money Design, Ltd., a specialized online trading company and subsidiary of Ashikaga Bank.

＜Use of “Mebuki Fund Wrap”＞

“Mebuki Fund Wrap” is a discretionary investment management service in which an asset management company specializing in fund wrap makes investment decisions and conducts actual trading on behalf of customers by proposing investment courses (asset distribution) that it believes are suitable for them. We support our customers’ asset formation based on the concept of a goal-based approach regarding their life plans and asset management.
Since June 2025, Ashikaga Bank has been offering the “Ashigin Discretionary Investment Service STORY,” which enables asset management by setting multiple investment goals according to the nature and purpose of funds.

Balance of customer assets under custody (banking and securities)

＜Support for asset formation through accumulated investment trusts＞

With the launch of the new NISA system in 2024, we have been promoting the use of NISA. We will continue to promote accumulated investment trusts using NISA, and support our customers’ effective asset formation.
In June 2025, Joyo Bank launched the “NISA Tsumitate Simulation” service. It is a support tool for determining the investment contents such as “tsumitate (accumulation) amount,” “product,” and “period,” and you can experience 125 patterns of simulation based on past results.

Number of NISA accounts^※ (Bank total)

※With the launch of the new NISA system, “Junior NISA” is excluded from the end of March 2024 onward (only new NISA accounts are recorded).

Asset formation of working-age users^※1 (Bank total)

• ※1 
  In their 40s or younger
• ※2 
  The number of contracts is as of the end of each fiscal year.

Financial education in local communities

In July 2024, the Ibaraki Prefectural Board of Education and five financial institutions in the prefecture (Joyo Bank, Tsukuba Bank, Mito Shinkin Bank, The Yuki Shinkin Bank, The Ibaraki-ken Credit Cooperative) entered into a comprehensive partnership agreement regarding financial education. This agreement aims to promote financial education for students and children by dispatching instructors to schools and providing educational content, and to develop such content from the perspective of students and children through collaboration with teachers and staff.
The medical team of the Corporate Consulting Department of Ashikaga Bank gives a lecture on “Medical Management and Finance” for fourth-year students at Dokkyo Medical University School of Medicine. This lecture, held under a partnership agreement aimed at fostering human resources to support community medicine, covers analysis using medical service area data and start-up cost estimates. It also provides information on various aspects of medical management, including business succession for clinics without successors.

Financial education for students (Bank total)

Lecture at Dokkyo Medical University

＜Strengthening of System to Improve Financial Literacy in the Community＞

Enhancement of asset formation and investment support for customers to live their second lives with peace of mind

Gerontology-related services for individuals span a wide range of products and services. We sort customer issues (types of support) by category and provide solutions.
We propose optimal products for customers’ problems and introduce partner companies specialized in a particular area.

Support for asset management	Solving a wide range of concerns about asset management from asset management to inheritance planning through effective real estate use
Support for putting your affairs in order	Solving a variety of concerns about putting your affairs in order and end-of-life planning such as pre-departure cleaning, inheritance arrangements, funerals, and graves.
Support for inheritance arrangements	Solving different concerns about inheritance arrangements such as surveying inheritance property and partitioning estates
Lifestyle support	Supporting a wide range of lifestyle concerns—such as home monitoring services, home security, housekeeping, house cleaning, and nursing home referrals—and proposing leisure activities
Support for succession	Solving various concerns about succession, such as preparing a will

Enhancing financial and non-financial services in cooperation with external business operators to support asset management for dementia and other challenges and to assist with daily-life problem solving

＜Asset management＞

＜Non-financial services＞

Joyo Bank offers a consulting service called “Jikka Jimai” that addresses the issue of vacant family homes that are no longer in use. We work closely with our customers, empathizing with their feelings, and collaborate with various specialists to provide a one-stop solution.
We will also contribute to solving social issues by promoting the distribution and disposal of “vacant homes.”

Consultation Service for Vacant Homes, “Jikka Jimai”

Enhancing services for smooth asset succession such as testamentary trust and inheritance arrangements, etc.

To ensure smooth succession of customers’ assets, bank staff with specialized expertise analyze the issues to be addressed and provide advice on the solutions. In collaboration with partner service providers, we also offer services including testamentary trust services that provide comprehensive support ranging from consulting on testamentary preparation to testamentary storage and execution as well as inheritance arrangements that support property transfer procedures after the occurrence of inheritance.

Inheritance-related business^※ (Bank total)

※Aggregation of services such as testamentary trust, testamentary preparation support, inheritance arrangements, and asset succession planning

＜Smart Inheritance Account “Anshin Baton”＞

Joyo Bank is enhancing its support for parents and children who are faced with issues and concerns about future inheritance procedures by offering the Smart Inheritance Account (“Anshin Baton”), a service that streamlines the transfer of deposits, investment trusts, and public bonds held with Joyo Bank to designated heirs.

＜“Agreement Regarding the Bequest Donation System”＞

Ashikaga Bank is promoting the “Agreement Regarding the Bequest Donation System” with the local government.
We offer the Testamentary Trust service that provides consulting for testamentary preparation to customers who wish to “use their inheritance for the benefit of the local community,” aiming to meet their needs for bequest donations, while contributing to the local community and regional economy.
【Donation partners: 3 cities and 11 towns in Tochigi Prefecture (As of June 2025)】

“Agreement Regarding the Bequest Donation System” with Utsunomiya City

Strengthening the system and information provision

【System】

Joyo Bank has assigned specialized staff, known as “Smileful Partners,” to respond to the concerns of elderly customers and their families, and is strengthening information sharing with them through the Seminar for the 100-Year Life Era.
Ashikaga Bank addresses inheritance and asset succession planning needs by stationing “Wealth LA (Life Plan Advisors)” and “Trust Consultants” at its head office. These specialists support branch operations by providing advanced and comprehensive consulting services, with a full understanding of customers’ overall assets and family structures.

【Information provision】

• Respond to current and future concerns
• Address a decline in cognitive function
• Support smooth asset succession to the next generation
• Cultivate measures to prevent financial crimes, etc.

Seminar for 100-Year Life Era

＜Strengthen Cooperative Efforts Toward Ensuring Safe and Secure Living for the Elderly, etc.＞

We have strengthened our collaboration with relevant institutions and watched over those who are in need of support so that the elderly can live in their communities in comfort.

• Provision of a watching service for the elderly in collaboration with a security company
• Working with the police to strengthen measures against financial crime
• Placement of care-fitters at branches
• Acquisition of qualifications as dementia supporter by executives and employees, etc.
• Collaboration with each municipality and regional comprehensive support center
• Watching over the elderly and other customers

Watching over network in collaboration with relevant institutions (conceptual illustration)