Question 1

Is Iyogin Holdings, Inc. beginner-friendly for new investors in the financial sector?

Accepted Answer

Iyogin Holdings, Inc., formerly The Iyo Bank, Ltd., has transitioned to a holding company structure to better focus on expanding financial services and improving group governance. This structure aims to enhance the overall corporate value and adapt to changing market needs, which can be beneficial for beginner investors. The Group emphasizes digital transformation and customer service improvements, indicating a commitment to accessibility and innovation. However, as a financial holding company, investment decisions would depend on individual investor knowledge and risk tolerance. This information suggests a supportive environment for beginners, but new investors should also consider seeking advice or conducting due diligence.

Question 2

What are the main objectives behind Iyogin Holdings, Inc.'s transition to a holding company structure?

Accepted Answer

The transition to a holding company structure by Iyogin Holdings, Inc. (formerly The Iyo Bank, Ltd.) was driven by the need to improve corporate value and sustain growth amid significant changes in the financial environment, including low-interest rates, population decline, and digitalization. The holding company structure allows for enhanced group governance, stronger business management functions, and maximized group synergies. It enables the group to expand business fields under relaxed regulations and respond flexibly to diverse and enhanced customer needs, aiming to create new value and support sustainable local economic growth.

Question 3

How does Iyogin Holdings, Inc. plan to enhance customer service through digital technology?

Accepted Answer

Iyogin Holdings, Inc. aims to strengthen its customer service using a 'Digital-Human-Digital' model, which focuses on expanding points of contact with customers via digital means and thoroughly streamlining administrative procedures. This approach intends to improve customer accessibility and convenience, thereby offering enhanced service experience. The group's strategy includes integrating digital technology to support seamless customer interactions and operational efficiency, reflecting a modernized approach to banking amid increasing digital demand.

Question 4

What is the structure of Iyogin Holdings, Inc. and its subsidiaries after the transition?

Accepted Answer

Following the transition to a holding company structure effective October 3, 2022, Iyogin Holdings, Inc. became the wholly owning parent company of The Iyo Bank, Ltd. and its group subsidiaries. The group includes seven consolidated subsidiaries such as Iyogin Credit Guarantee Company Limited, Iyogin Capital Company Limited, Iyogin Regional Economy Research Center, Inc., Iyogin DC Card Co., Ltd., Iyogin Leasing Company Limited, Iyogin Computer Service Company Limited, and Shikoku Alliance Securities Co., Ltd. Additionally, there are two non-consolidated non-equity method subsidiaries and four non-equity method affiliates. The restructuring aims to strengthen cooperation and governance within the group under the new holding company framework.

Question 5

What is Iyogin Holdings, Inc.'s financial outlook following the transition to a holding company structure?

Accepted Answer

The transition to a holding company structure is accounted for as a common control transaction and does not affect profit and loss directly. The Iyo Bank, Ltd., now a wholly owned subsidiary, is expected to have its performance reflected in the consolidated business results of Iyogin Holdings, Inc. For fiscal year ending March 2023, the financial forecasts include an ordinary income of 137 billion yen, ordinary profit of 34.5 billion yen, and net profit attributable to owners of parent company of 23 billion yen. The impact of the share transfer on the financial performance is expected to be minimal, indicating a stable outlook during this structural transformation.

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