Stakeholder Engagement
Initiatives toward enhanced engagement with stakeholders
Basic concept
The Nanto Bank Group places particular importance on its engagement with stakeholders, listening sincerely to the ideas and opinions of everyone, including our customers, local community residents, employees, and shareholders, and responding to their requests.
We are steadily implementing our Action Plan while engaging in continuous dialogue and creating new value in cooperation with our stakeholders as an avenue toward realizing sustainable management that grows with the community.
Nanto Bank | ||
stakeholders | ||
Customers | Means of | Local |
communities | ||
communication | ||
Nanto Bank | |
Group | |
Employees | Shareholders |
Stakeholders | Main issues and needs | Primary means of communication |
Customers | Diversification and growing complexity of | • Dialogue using customer feedback cards, etc. |
customer needs | ||
• Crowdfunding | ||
• Donations through trusts | ||
• Financial and economic education | ||
Local | Sustainable local communities | • Volunteer river cleanup activities |
Developing human resources for the next | • Nanto Scholarship Society | |
communities | ||
generation within the community | • Association for the Protection of Yoshino Cherry Blossoms | |
• "Magokoro no Issatsu" ("sincere book") campaign | ||
• Donation to the Nara Prefectural Council of Social Welfare | ||
• Nanto Bank Hockey Club | ||
Employees | Ensuring a comfortable workplace | • Increases in basic and starting salaries |
environment | • Employee benefits, work environment, and diversity | |
Initiatives to reform work styles | promotion | |
Timely and appropriate information | • IR meetings | |
Shareholders | disclosure | • Publication of a management information magazine |
Appropriate returns to shareholders | • General Meeting of Shareholders | |
Enhancement of corporate value | • Dialogue with institutional investors and analysts |
Engagement with customers
The Nanto Bank Group strives to build relationships of trust with its customers by responding to their various opinions and requests.
Customer-oriented business operations
In its commitment to conducting business in the best interests of customers, the Nanto Bank Group* has established an Action Plan for realizing its "Policy Initiative for Customer-oriented Business Operations."
The Policy for Customer-oriented Business Operations is a concrete expression of our commitment to contributing to customers' stable asset formation in our sales of financial products. We will put this policy into practice, establish indicators (KPIs) to confirm the results of these efforts, and review and disclose the results periodically.
* Group companies subject to the KPIs: The Nanto Bank, Ltd. and Nanto Mahoroba Securities Co., Ltd.
Please refer to our website for details of our "customer-oriented business management."
Regular distribution of information via LINE app
We use LINE, a communication app provided by LINE Corporation, to distribute information on campaigns and special offers to our customers on a regular basis. We also use the app to obtain a wide range of customer feedback through surveys that helps us clarify issues that need to be addressed.
How to complete friend registration on the LINE app:
(1) | Using "Friend Search" | (2) Using "Add Friend" |
Search for "Nanto Bank" and register | Search for "@nantobank" in the ID search and | |
as a friend. | register. | |
(3) | Using the QR code |
Register via the QR code using a QR code reader.
- The LINE smartphone communication application is provided by LINE, Inc. We ask customers to consider their own preferences when deciding whether to download the LINE app.
82 Nanto Report 2024, the integrated report of Nanto Bank
About Nanto Bank | Nanto Group Corporate | Practicing Sustainable | Local Market | Strengthening | Control of Net Assets | Governance | Consolidated Financial | |
Value Enhancement | Management | Revitalization | Profitability | Statements | ||||
Business | Risks and | Performance | ||||||
model | opportunities |
Community engagement
The Nanto Bank Group is committed to sustainable management developed together with its local communities. We participate actively in community activities and events.
Crowdfunding
We interconnect the diverse future aspirations of individuals, organizations, and communities by deploying crowdfunding to meet customers' financing needs.
To date, we have mainly devoted the funds to shrines and temples, but we are accelerating our support for local arts, hospitals, food and beverage providers, and tourism facilities.
Nanto Bank | |||||||||||
Consultation | Customer | Business alliance | |||||||||
introduction | |||||||||||
Introduction of | |||||||||||
crowdfunding operators | |||||||||||
Customer | Crowdfunding | ||||||||||
(crowdfunding | operator | Supporters | |||||||||
Concept | Funds | ||||||||||
company) | Crowdfunding site | ||||||||||
publication | |||||||||||
Donations through trusts
Returns
To smooth the way for donations of inherited property to local governments and other bodies, we have concluded the "Agreement on Donations Using a Trust in Lieu of a Will" with 38 municipal governments and 16 educational institutions. People can now use the "Nanto Anshin Todokeru Trust 'Family Enrichment' Donation" to donate a portion of inherited property to organizations with which an agreement has been concluded without the need for a will.
Agreement signatories (as of March 31, 2024)
Nara Prefecture | Nara Prefecture | |
Municipalities | Cities | Ikoma City, Uda City, Kashiba City, Kashihara City, Katsuragi City, Gojo City, Gose City, Sakurai City, |
Tenri City, Nara City, Yamatokoriyama City, Yamatotakada City | ||
Towns | Ando Town, Ikaruga Town, Oji Town, Oyodo Town, Kawai Town, Kawanishi Town, Kanmaki Town, Koryo Town, | |
Sango Town, Shimoichi Town, Takatori Town, Tawaramoto Town, Heguri Town, Miyake Town, Yoshino Town | ||
Villages | Asuka Village, Kawakami Village, Shimokitayama Village, Soni Village, Totsukawa Village, Higashiyoshino Village, Yamazoe Village | |
Kyoto Prefecture | ||
Ide Town, Kizugawa City, Seika Town | ||
Ashinaga Scholarship Foundation, Kansai Guide Dogs for the Blind Foundation, National University Corporation Kyoto | ||
University, Religious Corporation Kinpusenji Temple, Doctors Without Borders Japan, Saidaiji Religgious Corporation, | ||
Educational | Daianji Religious Corporation, Doshisha Educational Corporation, Todaiji Welfare Organization, Social Welfare | |
Corporation Nara Prefectural Council of Social Welfare, Public University Corporation Nara Medical University, | ||
institutions, etc. | ||
National University Corporation Nara Institute of Science and Technology, Independent Administrative Institution | ||
National Research Institute for Cultural Properties, Japan Committee for UNICEF, Nara, Religious Corporation Horyuji | ||
Temple, Ritsumeikan Educational Foundation | ||
Nanto Anshin Todokeru Trust for Family Happiness [donation course] product plan
(1) At time of application | (2) In the event of inheritance | ||||||||||||
Nanto Bank | Product application | Applicant | Nanto Bank | ||||||||||
(trustee) | |||||||||||||
Trust foundation | (trustee and beneficiary) | (trustee) | |||||||||||
management | Conclusion of trust | Notification of death | |||||||||||
agreement | |||||||||||||
* Donations under the agreement will | |||||||||||||
Agreement | Communication of | Designation | Agreement | Payment of trust funds | |||||||||
application details | be made using the Nanto Anshin | ||||||||||||
Notifier of death | Todokeru Trust "Family Happiness" | ||||||||||||
Municipality, etc. | Municipality, etc. | product. | |||||||||||
* In principle, the | Notifier of death | ||||||||||||
For product details, please refer to the | |||||||||||||
(second beneficiary) | applicant's designated | (second beneficiary) | |||||||||||
brochure of "Nanto Anshin Todokeru | |||||||||||||
heirs | |||||||||||||
Trust for Family Happiness." | |||||||||||||
[About the Bequest Donation Program]
We have expanded our services related to inheritance issues by entering into agreements with 18 municipalities and 17 educational institutions to enhance our bequest donation program.
When a municipality, educational institution, or other organization that has signed up with the Bank is offered a donation by means of a bequest, our specialized staff provides support for preparation of a will and/or other documents in connection with the bequest and/or inheritance to fulfill the donor's last wishes.
Agreement signatories (as of March 31, 2023)
Nara Prefecture | Nara Prefecture | ||
Municipalities | Cities | Ikoma City, Kashiba City, Kashihara City, | |
Tenri City, Nara City, Yamatokoriyama City, | |||
Yamatotakada City | |||
Towns | Kawai Town, Kawanishi Town, Kammaki Town, Koryo | ||
Town, Sango Town, Tawaramoto Town, Yoshino Town | |||
Villages | Kawakami Village, Yamazoe Village | ||
Kyoto Prefecture | Ide Town, Kizugawa City, Seika Town |
Educational institutions, etc.
Ashinaga Scholarship Foundation, Kansai Guide Dogs for the Blind Foundation, National University Corporation Kyoto University, Public Interest Incorporated Foundation Kyoto University iPS Cell Research Foundation, Religious Corporation Kimpusenji Temple, Doctors Without Borders Japan, Saidaiji Religious Corporation, Daianji Religious Corporation, Educational Corporation Tezukayama Gakuen, Educational Corporation Tenri University, Public Interest Incorporated Foundation Tenri Yorozu Consultaion Center, Educational Corporation Doshisha, Todaiji Welfare Organization, Social Welfare Corporation Nara Prefectural Council of Social Welfare, Public University Corporation Nara Medical University, National Institute of Technology Nara College, National University Corporation Nara Women's University, National University Corporation Nara Institute of Science and Technology, Incorporated Administrative Agency Nara National Institute of Cultural Properties, Japan Committee for UNICEF, Religious Corporation Horyuji Temple, Ritsumeikan Educational Foundation
Nanto Report 2024, the integrated report of Nanto Bank 83
Stakeholder Engagement
Strengthening relationships with the community through social contributions
Promotion of financial and economic education | Nanto Scholarship Society |
We provided on-site work experience classes and work experience for local elementary and junior high school students to help them acquire basic knowledge about monetary matters.
The Nanto Scholarship Society offers scholarships for high school and university students of outstanding character and academic ability who reside in Nara Prefecture. As of March 2024, the society had provided scholarship support for 1,500 students since its establishment in 1964.
Volunteer river cleanup activities
We participate in the "Kizu River Basin Cleanup Project," a large-scale project carefully organized by the Kizu River Basin Cleanup Executive Committee, and the "Yamato River Simultaneous Cleanup Project" organized by Nara Prefecture. The Nanto Bank Group aims to achieve sustainable regional growth and development by providing leadership in efforts to achieve the SDGs.
Yoshino's Cherry Blossom Preservation Society
The Bank is a special member of the Yoshino Cherry Blossom Preservation Society, which was established cooperatively by the public and private sectors to protect the Shiroyama Sakura cherry trees (approx. 30,000 trees) on World Heritage Site Yoshino Mountain (Yoshino-cho, Nara Prefecture), which have shown signs of remarkable deterioration in recent years. As a regional financial institution, Nanto Bank cooperates actively with efforts to protect and nurture Yoshino's cherry trees by such means as dispatching volunteer staff to various related events.
The Magokoro no Issatsu Campaign
Every year, the Bank donates books recommended by its executive officers and employees to the Nara Training School for Juvenile Delinquents for distribution as Christmas presents.
This activity has been carried on since 1987 as part of our Magokoro no Issatsu Campaign for the purpose of contributing to the emotional education of juveniles.
Besides polular works recently published, the donated books include dictionaries, reference books, and other resources of high value for education.
Donation to Nara Prefectural Council of Social Welfare
On the occasion of its 70th anniversary in 2004, Nanto Bank donated 600,000 yen, unchanged from past years, to the Nara Prefectural Council of Social Welfare as a contribution to the Council's efforts to improve the welfare of our regional community.
Donations are used to support the operation of a children's cafeteria and subsidize volunteer groups in the prefecture
Nanto Bank Field Hockey Club
In 1982, the Bank established a women's field hockey club, which has been contributing ever since to promoting sports in Nara Prefecture as the "Nanto Bank SHOOTING STARS." The club participates in Nara City sports events, visits schools, and holds field hockey training sessions for local elementary school students. The players are dedicated to contributing to and interacting with the local community through field hockey games.
Engagement with employees
The Nanto Bank Group seeks to be an organization in which every employee without exception feels a sense of fulfillment and continues to grow day by day. We are taking various steps to create an environment and develop initiatives to foster a corporate culture of this kind.
Increases in basic and starting salaries
We increased our basic salary last year for the first time in 28 years. Then, in fiscal 2024, we increased our basic and starting salaries with a special focus on salary allocations to younger employees while also newly raising employee bonuses. These moves represented a response to rising prices and a desire to enhance employees' job satisfaction and motivation to contribute to regional development by dedicating themselves to solving issues facing our customer. We also raised the hourly wages of our senior and part-time staff.
Benefits and welfare - workplace environment - promoting diversity
The Nanto Bank Group has established various childcare support systems, while also working to create a comfortable workplace for all its employees who are seeking a balance between work and childcare.
Name | System overview | |
Paternity leave | Up to four weeks of paid childcare leave to be taken within eight weeks of the birth of a child. | |
Fertility Treatment Leave System | Employees undergoing fertility treatment are eligible for up to 12 days of paid leave per year. | |
Childcare | Extension of the period during which employees can benefit from the existing | Employees raising children up to junior high school age will be eligible for shorter working hours. |
support | systems designed to support childcare, including shorter working hours | |
Expansion of the Family Support Leave System | Employees can now take five days of paid leave before and after the birth of a child (or a grandchild). | |
Expansion of the Child Nursing Care Leave System | Employees caring for a child up to junior high school age can take five days of paid leave to care for a sick child. | |
Healthcare | Health checkups, etc., assistance | Subsidy system for physical examinations, cancer screenings, brain scans, etc. |
Work-style | Flextime system | Responsiveness to diversified values and work styles with productivity in mind |
Secondary employment system | Freedom to conduct side jobs independently with no employment contract with the Bank required | |
reform | ||
Career | Career challenge system | Open recruitment of human resources by departments, with current employees free to apply |
development | Expansion of rehiring system for employees who retire for reasons of childcare or nursing care to | |
support | Alumni recruitment system | |
include all other reasons for retirement | ||
84 Nanto Report 2024, the integrated report of Nanto Bank
About Nanto Bank | Nanto Group Corporate | Practicing Sustainable | Local Market | Strengthening | Control of Net Assets | Governance | Consolidated Financial | |
Value Enhancement | Management | Revitalization | Profitability | Statements | ||||
Business | Risks and | Performance | ||||||
model | opportunities |
Engagement with shareholders
The Nanto Bank Group strives to disclose information to shareholders in an appropriate and timely manner. We also engage in constructive dialogue with our shareholders in order to achieve sustainable growth and to enhance our corporate value over the medium to long term.
Investor relations (IR) activities
The purpose of the Bank's IR activities is to provide our valued shareholders and investors with the information they need to make investment decisions in a timely, continuous, and impartial manner as a means of ensuring appropriate evaluation of companies in the capital markets.
The Nanto Bank Group employs IR activities to explain its management strategies and financial results to stakeholders.
[IR Calendar]
FY2023 results
FY2024 (expected)
May 2023 | Fiscal 2022 full-year results briefing (large-scale meeting) | June 2024 | Fiscal 2023 full-year results briefing (large-scale meeting) |
June | 135th Ordinary General Meeting of Shareholders | June | 136th Ordinary General Meeting of Shareholders |
July | Integrated report issued. | July | Integrated report issued. |
July | Publication of disclosure leaflet (reference materials) | July | Publication of disclosure leaflet (reference materials) |
October | Annual report (English) published. | September | Management briefing |
December | FY2023 interim results briefing (large-scale meeting) | October | Annual report (English) published. |
November | Fiscal 2024 interim results briefing (large-scale meeting) | ||
IR meetings | Publication of management information | |
Large meetings for | In addition to the above presentations of | |
domestic and foreign | management information, we publish an | |
institutional investors | integrated report | |
and analysts are held | and a mini- | |
twice a year. | disclosure leaflet | |
We also hold one-on- | that introduce the | |
one and other meetings | Group's initiatives. | |
as required. | ||
General Meeting of Shareholders
Main questions raised at the 136th Ordinary General Meeting of Shareholders
Future measures to improve price-to-book ratio | Future dividend policy |
Future direction of women's activities | Planned use of funds from sales of cross- |
Future policy on SDG initiatives | shareholdings |
Initiatives for regional revitalization |
Dialogue with institutional investors and analysts
Items for discussion in interviews in FY2023 : 21
Principal themes and concerns
Target level of capital adequacy ratio
Future shareholders' return policy and capital policy
Utilization of RORA and areas of business for future emphasis Initiatives to increase service revenues
We are committed to the following activities to promote constructive dialogue with our shareholders.
1. Dialogue with shareholders | disclosure activities and to disseminate information widely by |
To assure constructive dialogue with shareholders, the Director | posting it on our website. |
of the Corporate Planning Department, who oversees the Bank's | 4. Feedback on shareholder opinions, etc. |
IR activities, plays a central role by participating actively in the | The Director of the Corporate Planning Department provides |
dialogue. | management with feedback concerning opinions obtained |
2. Internal structure facilitating dialogue | through dialogue with shareholders at meetings of the Board of |
The Corporate Planning Department responsible for IR activities | Directors and other meetings as appropriate. |
has established a system of compiling information from the | 5. Management of insider information |
relevant departments and providing proper information to | The Bank's basic policy is to disclose information in a fair, |
shareholders. | timely, and appropriate manner. It has accordingly established |
3. Means of dialogue other than individual meetings | internal rules for prevention of insider trading and has put a strict |
IR activities are conducted as required to provide shareholders | information management system in place. |
with explanations. We will also continue to enhance our | |
Nanto Report 2024, the integrated report of Nanto Bank 85