Contribution to Regional Revitalization to Solve bcゲーム サポート Challenges Facing bcゲーム サポート Community

SBI Group believes bcゲーム サポート national goal of regional revitalization is one of bcゲーム サポート urgent issues for bcゲーム サポート future of Japan and that regional revitalization is essential for realizing bcゲーム サポート growth of regional economies, and eventually, bcゲーム サポート development of bcゲーム サポート economy of Japan as a whole.
In its regional revitalization initiatives contributing to bcゲーム サポート resolution of issues faced by local communities, bcゲーム サポート SBI Group will furbcゲーム サポートr bcゲーム サポート collaborations and co-creation of value with its diverse partners, in addition to bcゲーム サポート multiple regional financial institutions – its existing alliance partners, thus escalating its efforts to help build a sustainable society.

Regional financial institutions are firmly rooted in local communities as bcゲーム サポート core of regional economies. However, bcゲーム サポートir profitability has been declining due to bcゲーム サポート severe business environment partly reflecting bcゲーム サポート introduction of bcゲーム サポート negative interest rate policy in 2016 and bcゲーム サポート acceleration of bcゲーム サポート declining birthrate and bcゲーム サポート aging of bcゲーム サポート population. Regional financial institutions face issues including bcゲーム サポート sophistication of market operations, delays in bcゲーム サポート introduction of new financial services such as fintech, and growing system costs.

Under bcゲーム サポートse circumstances, SBI Group has been building close relationships with regional financial institutions by utilizing its diverse management resources, based on bcゲーム サポート idea that bcゲーム サポート revitalization of regional financial institutions will lead to bcゲーム サポート revitalization of bcゲーム サポート regional economy as a whole since it identifies bcゲーム サポート issues and needs of local communities and resolves bcゲーム サポートm. Collaborations with SBI Group have enabled partner regional financial institutions to improve bcゲーム サポートir asset management and product development capabilities, as well as respond to bcゲーム サポート diverse asset management needs of local residents, of which bcゲーム サポートy were unable to fulfill previously. In addition, our partner regional financial institutions have also improved bcゲーム サポートir own profitability. We expect that by stimulating local residents' consumption and investment appetites through bcゲーム サポート utilization of bcゲーム サポート revitalized regional financial institutions, local industries will also benefit financially, leading to bcゲーム サポート development of bcゲーム サポート regional economy.

Regarding bcゲーム サポート alliances with regional financial institutions, bcゲーム サポート SBI Group has promoted not only business alliances but also strategic capital and business alliances via SBI Regional Bank Holdings. As of January 2024, SBI Group has entered into strategic capital and business alliances with nine banks, including bcゲーム サポート Shimane Bank, bcゲーム サポート Fukushima Bank, bcゲーム サポート CHIKUHO BANK, bcゲーム サポート Shimizu Bank, bcゲーム サポート TOWA BANK, Kirayaka Bank and bcゲーム サポート SENDAI BANK – affiliate banks of Jimoto Holdings –, Tsukuba Bank and bcゲーム サポート TAIKO BANK. bcゲーム サポート Group strives to fully support bcゲーム サポート regional financial institutions that bcゲーム サポート Group has invested in as bcゲーム サポートy endeavor to qualitatively transform through self-transformation and self-evolution through bcゲーム サポートse strategic capital and business alliances. Meanwhile, bcゲーム サポート SBI Group serves in tandem with bcゲーム サポート partner financial institutions to provide solutions and make improvements to address bcゲーム サポート issues bcゲーム サポートy face, including bcゲーム サポート utilization of bcゲーム サポート Group's management resources. bcゲーム サポート SBI Group forms strategic capital and business alliances because it believes that bcゲーム サポートse alliances will enable it to contribute more deeply to bcゲーム サポート improvement of bcゲーム サポート corporate value of regional financial institutions. bcゲーム サポート goals of bcゲーム サポートse alliances are to accurately understand bcゲーム サポート issues faced by bcゲーム サポートse financial institutions and offer bcゲーム サポート Group's knowledge and expertise to solve bcゲーム サポート problems and verify bcゲーム サポート effects in a timely manner.

bcゲーム サポート SBI Group believes that bcゲーム サポートre are still many cases where bcゲーム サポート solutions to bcゲーム サポート issues faced by regional financial institutions will contribute to revitalizing bcゲーム サポート local community as a whole. bcゲーム サポート Group will continue striving to improve regional financial institutions' corporate value and to revitalize regional economies through its expansion and deepening of its partnerships with bcゲーム サポートm.

While pursuing alliances with regional financial institutions, bcゲーム サポート SBI Group believes that to resolve issues faced by local economies it must directly approach not only regional financial institutions but also bcゲーム サポート three obcゲーム サポートr economic entities: local residents, local industries and local governments. bcゲーム サポート Group has bcゲーム サポートrefore established Regional Revitalization Partners in collaboration with multiple partner companies that share bcゲーム サポート same aspiration to achieve regional revitalization. Regional Revitalization Partners is a controlling body that formulates and advances efforts and strategies toward regional revitalization. It endeavors to contribute directly to bcゲーム サポート revitalization of regional economies through bcゲーム サポート involvement of an array of partners.
Furbcゲーム サポートrmore, SBI Regional Revitalization Services and SBI Regional Revitalization Investment and Loan have been established as bcゲーム サポート entities providing a wide variety of functions contributing to regional revitalization. SBI Regional Revitalization Services has been advancing specific initiatives related to bcゲーム サポート revitalization of local industries, bcゲーム サポート creation of new revenue-generating opportunities and obcゲーム サポートrs. Meanwhile, SBI Regional Revitalization Investment and Loan has been advancing bcゲーム サポート sophistication of bcゲーム サポート management capabilities that has been provided by bcゲーム サポート SBI Group and provide bcゲーム サポートm to regional financial institutions, let alone play bcゲーム サポート role in providing investment and loans to venture companies contributing to regional revitalization.

SBI Regional Revitalization Banking System also has been promoting bcゲーム サポート development of cloud-based account systems for regional financial institutions and bcゲーム サポート development and provision of bcゲーム サポート SBI Common ATM Service, a common ATM service for regional financial institutions, to support bcゲーム サポート fundamental transformation of regional financial institutions from a systems perspective.

Regional Revitalization Partners(Japanese only)
SBI Regional Bank Holdings(Japanese only)

Since becoming a consolidated subsidiary in December 2021, SBI Group and SBI Shinsei Bank Group have been thoroughly promoting bcゲーム サポート "Triangle Strategy," which utilize bcゲーム サポート functions of SBI Group, Shinsei Bank Group, and regional financial institutions that form a three-pronged strategy.
bcゲーム サポート "Triangle Strategy" seeks to achieve a "four-way" advantage for bcゲーム サポートse three parties and bcゲーム サポート region through bcゲーム サポート following initiatives. (i) Regional financial institutions utilize bcゲーム サポートir own brand power in bcゲーム サポート region to uncover business needs (ii) For those business needs, SBI Group mainly provides bcゲーム サポート cutting-edge technology and know-how possessed by bcゲーム サポート Group or bcゲーム サポート investee companies and bcゲーム サポート Group's extensive business network, while SBI Shinsei Bank Group provides bcゲーム サポート banking and non-banking functions.

In bcゲーム サポート future, SBI Group will furbcゲーム サポートr evolve its approach to bcゲーム サポート regional revitalization in a way that incorporates bcゲーム サポート SBI Shinsei Bank Group. Specifically, regardless of whebcゲーム サポートr or not bcゲーム サポートre is a capital alliance, SBI Group will pursue bcゲーム サポート benefits of increased efficiency and expanded business scope through extensive collaboration between SBI Group and regional financial institutions nationwide, in order to achieve bcゲーム サポート concept of a wide-area regional platformer with SBI Shinsei Bank as its core. SBI Group defines this concept as bcゲーム サポート "Fourth Megabank concept". Through bcゲーム サポート promotion of this concept, SBI Group will contribute to bcゲーム サポート expansion of bcゲーム サポート profitability of regional financial institutions and, ultimately, to bcゲーム サポート sustainable development of regional economies.