Message From The President

Sound management, creation of value, and partnership with the home region

Aiming to become the best partner bank for the collaborative creation of new value



Thank you for your continued patronage and support.

I am Ritsuo Sasajima, the newly appointed President of The Joyo Bank, Ltd.
I would like to ask for your support as we devote every effort to live up to the expectations of our customers, local communities and all other stakeholders.

The environment surrounding local communities is now facing numerous issues such as an aging society and declining birthrates accompanied by a decreasing population, labor shortage, an increase in the number of unoccupied houses and concerns over the shrinking of local economies amid changes in social structure caused by the progression of economic globalization. On the other hand, with the rapid advancement in ICT (information and communication technology), creation of new services and values is driving drastic innovations in industrial structure.
Under these circumstances, we recognize that regional financial institutions are expected to contribute further to promoting sustainable communities through the provision of comprehensive financial services, by making full use of the close relations with the region and offering consulting functions.

In October 2016, The Joyo Bank, Ltd. formed a new financial group called “Mebuki Financial Group” through a business integration with The Ashikaga Bank, Ltd. (head office: Tochigi Prefecture). Leveraging the wide-area networks which were further expanded by the business integration, we will work to address issues faced by our customers and local communities through the provision of high-quality comprehensive financial services. Moreover, to offer assistance to individual customers regarding efficient asset building and the sophistication of consumer activities, and to help corporate customers to improve their productivity, we will actively employ new digital technologies to develop products and services that are even more advanced and convenient.

Guided by our management philosophy of “Sound management, creation of value, and partnership with the home region,” we at The Joyo Bank, Ltd., together with all of our officers and employees, strive to fulfill the expectations of all of our stakeholders through various forms of cooperation with local communities, so as to become a comprehensive financial service provider capable of creating new values.
We look forward to your continued support.

Ritsuo Sasajima, President
June 2018