About the Representative System

Similar documents
Power Analyzer Firmware Update Utility Version Software Release Notes

Digital EAGLEs. Outlook and perspectives

EventBuilder.com. International Audio Conferencing Access Guide. This guide contains: :: International Toll-Free Access Dialing Instructions

Global entertainment and media outlook Explore the content and tools

Cisco Aironet In-Building Wireless Solutions International Power Compliance Chart

DATA APPENDIX. Real Exchange Rate Movements and the Relative Price of Nontraded Goods Caroline M. Betts and Timothy J. Kehoe

Safety. Introduction

END-OF-SALE AND END-OF-LIFE ANNOUNCEMENT FOR THE CISCO MEDIA CONVERGENCE SERVER 7845H-2400

Spoka Meet Audio Calls Rates Dial-In UK

Going Up Against Time

iclass SE multiclass SE 125kHz, 13.56MHz 125kHz, 13.56MHz

EE Pay Monthly Add-Ons & Commitment Packs. Version

Customers want to transform their datacenter 80% 28% global IT budgets spent on maintenance. time spent on administrative tasks

Insights for Clubs

Access Code and Phone Number

International Business Mail Rate Card

E-Seminar. Voice over IP. Internet Technical Solution Seminar

Purchasing. Operations 3% Marketing 3% HR. Production 1%

Innovative Fastening Technologies

For: Ministry of Education From Date: 19 November 18-2 December 18 Venue: M1 Shops

Items exceeding one or more of the maximum weight and dimensions of a flat. For maximum dimensions please see the service user guide.

Traffic Offload. Cisco 7200/Cisco 7500 APPLICATION NOTE

International Business Parcels Rate card

CISCO IP PHONE 7970G NEW! CISCO IP PHONE 7905G AND 7912G XML

International Packets

Cisco Voice Services Provisioning Tool 2.6(1)

ALL-IN-ONE PRESENTATION SYSTEMS

MORE THAN JUST A PRODUCT, CABLOFIL IS A GLOBAL SOLUTION. Safer, more economic economic and more performant and A SYSTEM AN EXPERTISE A SERVICE

3URGXFW,QIRUPDWLRQ. Document No Edition 03/2001 &6%5$66

Cisco Extensible Provisioning and Operations Manager 4.5

Overcoming the Compliance Challenges of VAT Remittance. 12 April :55 to 16:30 (CEST)

Allianz SE Reinsurance Branch Asia Pacific Systems Requirements & Developments. Dr. Lutz Füllgraf

VOICE/DATA SIMCARD USA UNLIMITED

Improving digital infrastructure for a better connected Thailand

What does Y.3001 say?

Step 1: New Portal User User ID Created Using IdentityIQ (IIQ)

Patent Portfolio Overview May The data in this presentation is current as of this date.

Cisco CallManager 4.0-PBX Interoperability: Lucent/Avaya Definity G3 MV1.3 PBX using 6608-T1 PRI NI2 with MGCP

THE POWER OF A STRONG PARTNERSHIP.

PLEASE NOTE: firms may submit one set of research questionnaires covering both China and Hong Kong or separate sets for each jurisdiction

The Role of SANAS in Support of South African Regulatory Objectives. Mr. Mpho Phaloane South African National Accreditation System

User SIM Guide. We are responsive between 10AM-6PM AEST. We love seeing what our customers get up to!

Strategic IT Plan Improves NYCHA Resident Services While Reducing Costs US$150 Million

Hybrid Wide-Area Network Application-centric, agile and end-to-end

Enterprise price plan guide Vodafone One Net Business

ENHANCED INTERIOR GATEWAY ROUTING PROTOCOL STUB ROUTER FUNCTIONALITY

THE CISCO SUCCESS BUILDER PROGRAM THE CISCO SMALL OFFICE COMMUNICATIONS CENTER: AFFORDABLE, PROVEN COMMUNICATIONS SOLUTIONS FOR SMALL ORGANIZATIONS

Digital Opportunity Index. Michael Minges Telecommunications Management Group, Inc.

Copyright. Disclaimer. Safety Instructions !!! !!!!" !!! #!# # " $ #! % !# #! " ' ( ) # * ( ) $ +, $ ' $' " ! " - ' # $ #! # . / $!( $ $ 1" !" 2!

Alternative phone number: Credit card/debit card number Expiry date: / / DD MM YYYY

PAY MONTHLY ADDITIONAL SERVICES TERMS AND CONDITIONS

IXPs and IPv6 in the Asia Pacific: An Update

Introduction to the Export Services Branch Programmes and Services Ministry of International Trade

0DUFK. .H\ZRUGV %RDUGV JRYHUQDQFH GLVWULEXWLYH FRQoLFWV XOWLPDWH RZQHUVKLS -(/ &OVVLILFDWLRQ * /

MANUAL VOICE/DATA SIMCARD CANADA

Shell Global Helpline - Telephone Numbers

INTERDIGITAL. 4 th Quarter 2013 Investor Presentation. invention collaboration contribution InterDigital, Inc. All rights reserved.

Fast 3D EMC/EMI Scan with Detectus Scanning System and Tektronix Real Time Spectrum Analyzers CASE STUDY

A 3/25/99 4:23 PM Page 23 APC Global Services 1999 Al Specificat

CISCO 7304 SERIES ROUTER PORT ADAPTER CARRIER CARD

Dashboard. Feb 18, Feb 18, 2008 Comparing to: Site. 13,318 Visits 28,414 Pageviews 2.13 Pages/Visit

Software-defined Networking Development Model

Supplier Responding to New Products RFP Event

Out of Bundle Vodafone

Cisco ONS SDH 12-Port STM-1 Electrical Interface Card

Multi-Site Parallel Testing with the S535 Wafer Acceptance Test System APPLICATION NOTE

Computer

FORGING A TRUE GLOBAL CONNECTION - BROADBAND PASSES 500 MILLION SUBSCRIBERS

Connectivity Scorecard Leonard Waverman. Kalyan Dasgupta. Haskayne School of Business University of Calgary. LECG, London

No Purchase needed

NEW METHOD FOR ORDERING CISCO 1700 SERIES MODULAR ACCESS ROUTERS AND CISCO 1800 SERIES INTEGRATED SERVICES ROUTERS SOFTWARE SPARE IMAGES

WHU IRU (FRQRPLF DQG %XVLQHVV 5HVHDUFK ZZZFHEUGN (PDLO PEHFR#FEVGN :(% KWWSZZZFEVGN VWDmPRUWHQEHQQHGVHQ

INTUITIVE DESIGN METHOD (IDM), A NEW APPROACH ON DESIGN METHODS INTEGRATION

Kernel Wt. 155,076, ,646, ,723, ,951, ,015, ,966, Crop Year

Payphone Origination Service Charge Rate Per Min. Mobile Origination Service Charge. MLB Switched Rate Per Min. MLB Dedicated Rate Per Min

Technology Lifecycle Management Assessment. Know your network - achieve business agility

Dataliner Message Displays Using DL50 Slaves with a DL40 Master

NEW CISCO IOS SOFTWARE RELEASE 12.2(25)EY FOR CISCO CATALYST 3750 METRO SERIES SWITCHES

IGEL-Briefing March Managed Software and Hardware Thin Clients

Troubleshooting Ethernet Problems with Your Oscilloscope APPLICATION NOTE

U85026A Detector 40 to 60 GHz

NEW JERSEY S HIGHER EDUCATION NETWORK (NJEDGE.NET), AN IP-VPN CASE STUDY

RT-AX95U Wireless-AX11000 Tri Band Gigabit Router

Benefits of Local Manufacturing

Server Virtualisation Assessment. Service Overview

CUSTOMER GUIDE Interoute One Bridge Outlook Plugin Meeting Invite Example Guide

High-Availability Solutions for SIP Enabled Voice-over-IP Networks

On the Political Economy of Housing's Tax Status

Asia Key Economic and Financial Indicators

How the world pays, now and in the future: The Global Payments Report. Ieuan Owen, SVP Strategy Worldpay ecom

Cisco MDS 9000 Family and EMC ECC Integration

Instructions. (For 6180 Industrial Computers) Applications. Overview & Safety

NANOELECTRONICS AND DIGITAL TECHNOLOGY ENABLING DISRUPTIVE INNOVATION LUC VAN DEN HOVE - PRESIDENT AND CEO

Programming Note. Agilent Technologies Quick Reference Guide For the 8757D/E Scalar Network Analyzer

CONFIGURING EPOLICY ORCHESTRATOR 3.0 AND MCAFEE 8.0i WITH CISCO CALLMANAGER

LinkedIn Economic Graph Project

E-Seminar. Wireless LAN. Internet Technical Solution Seminar

Griffin Training Manual Address Maintenance

Cisco Unified CallConnector for Microsoft Office Quick Reference Guide 1

Liberalisation and User Driven

Transcription:

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² FRYHULQJ WKH ZKROH RI $LFKL 3UHIHFWXUH ² FRPSULVHG EUDFKHV 7KH QHWZRUN ZDV VWDIIHG E\ HPSOR\HHV VHUYLQJ PHPEHUV 7KH WRWDO EDODQFH RI GHSRVLWV VWRRG DW PLOOLRQ 86 PLOOLRQ DQG ORDQV DQG ELOOV GLVFRXQWHG WRWDOHG PLOOLRQ 86 PLOOLRQ JAPAN AICHI NAGOYA OKAZAKI H[FKDQJLQJ HQG RI 0DUFK Profile of The Okazaki Shinkin Bank (As of March 3, 04) (VWDEOLVKHG -XO\ +HDG IILFH 0RWRVXJD 6XJR FKR ND]DNL 0HPEHUV &DSLWDO PLOOLRQ \HQ 'HSRVLWV ELOOLRQ \HQ /RDQV ELOOLRQ \HQ )XOO WLPH HPSOR\HHV /RFDWLRQ ORFDWLRQV XPEHU RI IILFHV E\ $UHD ND]DNL $UHD DJR\D $UHD ZDUL $UHD :HVW 0LNDZD $UHD (DVW 0LNDZD $UHD 1 About the Representative System 6KLQNLQ EDQNV DUH WKH -DSDQHVH HTXLYDOHQW RI D FUHGLW XQLRQ DQG DUH D IRUP RI ILQDQFLDO LQVWLWXWLRQ ZLWK D FRRSHUDWLYH VWUXFWXUH EDVHG RQ WKH IXQGDPHQWDO SULQFLSOHV RI PXWXDO WUXVW DQG UHFLSURFLW\ EHWZHHQ PHPEHUV DQG WKDW PD[LPL]HV WKH YDOXH RI WKH RSLQLRQV RI HDFK DQG HYHU\ PHPEHU (DFK PHPEHU RI D VKLQNLQ EDQN WKHUHIRUH KDV D VLQJOH YRWLQJ ULJKW UHJDUGOHVV RI WKH QXPEHU RI DVVHW DFFRXQWV DQG SDUWLFLSDWHV LQ WKH RSHUDWLRQ RI WKH EDQN WKURXJK WKH JHQHUDO PHHWLQJV +RZHYHU EHFDXVH RI WKH ODUJH QXPEHU RI PHPEHUV RI WKH ND]DNL 6KLQNLQ %DQN LW LV QRW SRVVLEOH LQ SUDFWLFH WR DFWXDOO\ KROG JHQHUDO PHHWLQJV,Q RUGHU WR PDLQWDLQ PHPEHU FRQVHQVXV ZKLOH HQVXULQJ WKH FRPSOHWHQHVV RI GHOLEHUDWLRQV D UHSUHVHQWDWLYH V\VWHP LV WKHUHIRUH XVHG LQVWHDG RI JHQHUDO PHHWLQJV 7KH UHSUHVHQWDWLYHV FRPPLWWHH LV WKH KLJKHVW OHYHO GHFLVLRQ PDNLQJ ERG\ IRU GHFLGLQJ LPSRUWDQW LVVXHV VXFK DV DSSURYDO RI DFFRXQWV RU FKDQJH WR VWDWXWHV RI WKH EDQN DQG DSSRLQWPHQW RI WKH ERDUG RI GLUHFWRUV DQG DXGLWRUV 7KH UHSUHVHQWDWLYHV FRPPLWWHH WKHUHIRUH FRQGXFWV EXVLQHVV WKURXJK UHSUHVHQWDWLYHV WKDW DUH VHOHFWHG E\ VRPH DSSURSULDWH SURFHGXUH IURP DPRQJ WKH PHPEHUV DQG WKH RSLQLRQV RI HDFK DQG HYHU\ PHPEHU DUH WKHUHIRUH UHIOHFWHG LQ WKH UXQQLQJ RI WKH EDQN LQ WKH VDPH ZD\ DV D JHQHUDO PHHWLQJ )XUWKHUPRUH FRPPXQLFDWLRQ ZLWK UHSUHVHQWDWLYHV DQG PHPEHUV WKDW RFFXUV QRW RQO\ LQ WKH UHSUHVHQWDWLYH PHHWLQJV EXW DOVR LQ HYHU\GD\ RSHUDWLRQV LV WUHDWHG DV LPSRUWDQW DQG LV LQFRUSRUDWHG LQWR YDULRXV LPSURYHPHQWV LQ WKH UXQQLQJ RI WKH EDQN

Message from the Management Aiming to Be the Most Trusted, Number-One Community Bank :H DW ND]DNL 6KLQNLQ %DQN GHHSO\ DSSUHFLDWH \RXU SDWURQDJH,Q RUGHU WR IRVWHU DQ HYHQ GHHSHU XQGHUVWDQGLQJ RI RXU EDQN ZH KDYH SXEOLVKHG D GLVFORVXUH GRFXPHQW 7KH 6WDWH RI NDVKLQ µ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

The Okazaki Shinkin Bank offers a wide variety of international operations, including overseas remittances and trade transactions, as part of an effort to better tailor services to the more diversified and sophisticated requirements of a client base increasingly engaged in cross-border activities. All branches offer some foreign currency exchange services, and five are capable of offering a full range of such services. Other services include providing exchange-rate information and holding seminars on overseas investment to support local companies as they seek to expand their trade and business connections with overseas countries. We have been broadening our range of international operations since 986, when we first became involved in international correspondent banking. To support these operations, we set up international communications channels and a dedicated computer system for administration of correspondent banking in fiscal 994, and a new online international accounts service in fiscal 00. In May 006, we launched our internet application service for foreign exchange transaction to enhance customer convenience. As of March 3, 04 the Bank's international correspondent banking network encompassed 6 banks located in 44 countries. (As of June 6, 04) total: 6 ASIA BANGLADESH CAMBODIA CHINA HONG KONG INDIA INDONESIA KOREA MALAYSIA PAKISTAN PHILIPPINES SINGAPORE SRI LANKA TAIWAN THAILAND VIETNAM JAPAN 30 7 4 4 8 4 3 7 5 3 8 NORTH AMERICA CANADA U.S.A. LATIN AMERICA ARGENTINA BRAZIL MEXICO PERU 3 5 4 EUROPE BELGIUM DENMARK FRANCE GERMANY IRELAND ITALY LUXEMBOURG NETHERLANDS NORWAY POLAND PORTUGAL RUSSIA SPAIN SWEDEN SWITZERLAND U.K. 3 5 8 3 4 6 MIDDLE EAST CYPRUS SAUDI ARABIA TURKEY OCEANIA AUSTRALIA NEW ZEALAND PAPUA NEW GUINEA 5

We opened the Okazaki Shinkin Bank Bangkok Representative Office in Bangkok, the capital city of Thailand, on October, 03. Initially, the office is being staffed by two employees the office director and one local employee who will investigate and compile data related to support for business expansion into Thailand, local economic trends, and financial trends, in addition to handling local inquiries. Over 90 Okashin clients have expanded their businesses into Thailand, and as the expansion needs of our clients in Thailand and other southeast Asian countries increase, this office puts us in a position to provide greater support to all our clients than was previously possible, both now and in the future. Through the efforts of the Dandanbox Executive Committee, we have been supporting artists who possess the skill to produce marvelous pictures in spite of their disabilities. Since August 0, Okashin has adopted designs from artists for our Dandan envelopes (cash envelopes), IC cash cards, and tissue boxes. In October 03, the nd Dandan Attic Art Exhibition (from the nd through the 6th) was hosted by the Dandan Attic Art Society at the Okazaki Shinkin Bank Museum. In March 04, we adopted designs by the children of the Toyokawa Special Support School for tissue boxes. We opened our Okashin Internet Branch on April 8, 03. This new service lets customers open a savings account and perform transactions using a computer, smart phone, etc., via the Internet. We are also offering term deposits at special interest rates exclusively through our online bank. Please visit our online bank via the Okazaki Shinkin Bank website. Two of our bank branches Togo Branch on November 5, 03, and Chiryu Branch on February 0, 04 have reopened at new locations in new facilities built to prioritize sound construction that emphasizes functionality and is friendly to both people and the environment. Our new facilities have been designed to be more pleasant to use, offering parking lots and multipurpose restrooms that are easier for customers in wheelchairs and people with children to use, and providing community rooms available to everyone in the community for a variety of uses. We hope you come and visit our new branches! Togo Branch Chiryu Branch

(As of June 30, 04) (As of June 30, 04)