Shoko Chukin Bank

We will contribute to increasing the corporate value of SMEs that support the local economy, by providing solutions that lead to the fundamental resolution of issues, including in-depth financial support, hands-on business improvement support, and M&A and business succession support for SMEs that (1) have a heavy borrowing burden and cash flow concerns, (2) have financial problems and balance challenges such as insolvencies or capital deficits, (3) plan overseas expansion or new business expansion that involves risks, or (4) have concerns regarding financing issues just after establishment. In addition, by steadily implementing future-oriented structural reforms, we will establish an appropriate personnel structure and cost structure, with the aim of sustainable growth. Financial and Economic Environment