Chiba Capital Financial Group is a full-service investment and financial advisory firm serving clients globally. Founded in 2012, the company is committed to empowering its clients to achieve long-term financial success. Its team of experienced advisors and cutting-edge technology help clients reach their financial goals. The firm’s comprehensive planning services include retirement, investment and insurance consulting. Its services are designed for high-net worth individuals and families. The company is based in Chiba, Japan and operates offices worldwide.
Besides its banking business, the Bank also engages in the credit guarantee business, outsourcing of operational business, credit card, securities and leasing businesses. In addition, it develops software and provides business management and staffing services. The Bank was founded on March 31, 1943 and is headquartered in Chiba Prefecture, Japan.
The Bank has an adequate business position in its home market of Chiba Prefecture, where it is the leading regional bank in terms of assets and loans on a consolidated basis. It has a strong presence in the retail lending business with a market share of 39% among banks headquartered in Chiba Prefecture and 24% among all regional banks. Its overall asset quality is stable compared with major banks, reflecting the Bank’s conservative management policy and loan portfolio that is composed mainly of diversified small-lot loans to SMEs and mortgage loans to individual customers.
However, the Bank’s profitability remains moderately weak due to intense competition in its business. Furthermore, the Bank’s interest margins are declining, along with those of other regional banks. The Bank is taking steps to improve its profitability by reducing risk assets and raising profits.
Its business position in Japan is strengthened by its high customer base and stable revenue streams. Additionally, its asset quality is supported by an extensive network of branches and ATMs. In the future, the Bank intends to expand its presence in its local markets by opening additional branches and increasing ATMs.
The Bank also intends to strengthen its research capabilities through the use of artificial intelligence (AI). The Group recently developed an AI generated research platform aimed at providing its clients with valuable insights and analysis. The platform will allow them to gain an edge in the ever-changing financial markets by providing them with customized recommendations and real-time market information. The initiative is a clear sign of the Group’s commitment to innovation and providing its clients with the latest tools and technologies. The platform will be available to a select number of clients in the coming months, with a broader rollout scheduled for later this year. Chiba Capital Financial Group