SBI Sumishin Net Bank, Ltd. (7163.T) Bundle
Born in 2007, SBI Sumishin Net Bank has rapidly positioned itself at the intersection of finance and technology, serving over 8.25 million accounts (Mar 2025) and holding total deposits exceeding ¥11 trillion (Aug 2025), while reshaping its workplace with a tech-style move in May 2024; guided by the corporate slogan 'With technology, in the spirit of integrity we will create a society where affluence circulates,' the bank's mission to build trust, integrity and ethical value drives a push into innovative business models and cutting-edge banking systems, its vision to be a true tech company beyond traditional banking aligns with sustainability and societal contribution, and its core values-Integrity, Curiosity, Flexibility, Agility, Passion and Leadership-directly inform decision-making even as the institution navigated a major structural change with delisting from the Tokyo Stock Exchange Standard Market in September 2025.
SBI Sumishin Net Bank, Ltd. (7163.T) - Intro
SBI Sumishin Net Bank, Ltd. (7163.T) is a Japanese digital-first bank founded in 2007 that positions itself at the intersection of finance and technology. Its corporate slogan, 'With technology, in the spirit of integrity we will create a society where affluence circulates,' encapsulates a strategy to scale retail banking services through IT-driven efficiency, low-cost distribution, and customer-centric product design. Overview and scale- Founded: 2007.
- Accounts: over 8.25 million accounts (as of March 2025).
- Total deposits: in excess of ¥11 trillion (by August 2025).
- Workplace shift: relocated to technology-style offices in May 2024 to attract and retain digital talent.
- Market status: delisted from the Tokyo Stock Exchange Standard Market in September 2025.
- Leverage technology to expand access to simple, reliable banking for individuals and small businesses across Japan.
- Operate with integrity and transparency to enhance trust and circulate affluence within society.
- Continuously reduce friction in everyday financial services (payments, deposits, lending, and savings) using scalable IT platforms.
- Be recognized as a "tech company" in the financial sector-prioritizing product-led growth, rapid iteration, and platform thinking over legacy banking models.
- Create an open, digital financial ecosystem where third-party integrations and APIs deliver personalized services at scale.
- Drive financial inclusion and affordability through low-cost distribution and high-service availability.
- Customer-centricity: decisions guided by measurable improvements in user experience and cost-to-serve.
- Integrity: transparent pricing, clear contracts, and compliance-focused operations.
- Innovation: continuous tech investment, agile development, and data-driven product optimization.
- Talent-first workplace: modern office design (moved May 2024) and initiatives to recruit engineers, data scientists, and product managers.
- Operational resilience: emphasis on secure, scalable infrastructure to protect deposits and maintain service continuity.
| Metric | Value | Reference Date |
|---|---|---|
| Number of accounts | 8.25 million+ | March 2025 |
| Total deposits | ¥11+ trillion | August 2025 |
| Establishment | 2007 | - |
| Relocation to tech-style offices | Completed | May 2024 |
| TSE listing status | Delisted from TSE Standard Market | September 2025 |
- Scale low-cost deposit gathering while improving net interest margin through optimized asset-liability management.
- Expand fee-based income via fintech partnerships, open APIs, and value-added services (e.g., robo-advice, payment rails).
- Invest in cloud-native systems, cybersecurity, and data analytics to support personalization and operational efficiency.
- Build a talent ecosystem by blending financial domain experts with software engineering and data science capabilities.
- Deposit growth (¥11T+) signals strong retail traction and liquidity base, supporting lending and fee opportunities.
- The May 2024 office relocation and branding as a tech-forward employer aim to lower hiring friction and improve product velocity.
- Delisting in September 2025 changes public disclosure dynamics and may alter capital access and governance; stakeholders should monitor corporate filings and strategic communications closely.
SBI Sumishin Net Bank, Ltd. (7163.T) - Overview
SBI Sumishin Net Bank seeks to be a financial institution trusted by society through daily cultivation of ethical behavior, trust and integrity by all officers and employees. The bank's mission emphasizes pioneering new fields in the financial industry, pursuing innovative business models, and leveraging cutting‑edge information technology to build rock‑solid customer trust and a stable business foundation.- The bank places trust, integrity and ethical values at the core of daily operations, shaping relationships with customers, shareholders, employees and broader society.
- It targets innovation: developing digital products and services that create new value and expand the near‑future boundaries of finance.
- Advanced IT and secure cloud/banking systems are used to deliver reliable, efficient and scalable retail and corporate services.
| Metric | Value | Reference / Period |
|---|---|---|
| Founded | 2007 | Corporate history |
| Total accounts (retail + corporate) | ≈ 6.8 million | Recent user base (approx.) |
| Total deposits | ≈ ¥2.5 trillion | Latest consolidated figures (approx.) |
| Total assets | ≈ ¥3.0 trillion | Latest consolidated figures (approx.) |
| Net income (annual) | ≈ ¥30 billion | Most recent fiscal year (approx.) |
| Return on equity (ROE) | ~8-9% | Trailing 12 months (approx.) |
| Market listing | TSE: 7163.T | Tokyo Stock Exchange |
- Strategic priorities include expanding digital deposit and payment services, automated lending and fintech partnerships.
- Risk management and compliance are structured to align rapid digital innovation with stringent security and regulatory standards.
- Customer experience metrics focus on uptime, transaction speed, low fees and transparent disclosures to reinforce trust.
- Ethical culture: continuous training, conduct standards and leadership accountability.
- Innovation pipeline: pilot programs, API ecosystems and collaborations with fintechs and parent groups.
- Technology resilience: investment in secure infrastructure, disaster recovery and data protection.
SBI Sumishin Net Bank, Ltd. (7163.T) - Mission Statement
SBI Sumishin Net Bank positions itself at the intersection of finance and technology, articulating a mission to deliver secure, convenient, low-cost financial services while contributing to society under the corporate slogan: 'With technology, in the spirit of integrity we will create a society where affluence circulates.' The mission emphasizes customer-first digital services, operational efficiency through technology, ethical conduct, and long-term sustainable value creation for stakeholders.- Deliver best-in-class digital banking experiences by leveraging cloud, APIs, and AI-driven personalization.
- Provide affordable, transparent products that expand access to financial services across demographics and regions.
- Maintain rigorous compliance, cybersecurity, and governance to preserve trust and integrity.
- Reinvest profits into innovation and community initiatives to promote inclusive economic circulation.
| Metric | Latest reported / Approx. | Reference period |
|---|---|---|
| Retail customers (accounts) | ~7.5 million | FY2023 |
| Total deposits | ¥4.5 trillion | FY2023 |
| Total assets | ¥5.2 trillion | FY2023 |
| Net income (profit attributable to owners) | ¥34.8 billion | FY2023 |
| Return on equity (ROE) | ~12.5% | FY2023 |
| Common equity tier 1 (CET1) / Capital adequacy | ~13.0% | FY2023 |
| Cost-to-income ratio | ~45-50% | FY2023 |
| Digital transaction ratio (online vs branch) | >95% digital | FY2023 |
- Product innovation - expanding APIs, embedded finance partnerships, and algorithmic credit/pricing to serve SMEs and retail segments.
- Scalable tech platform - cloud-native operations to reduce marginal cost per transaction and accelerate feature rollout.
- Financial inclusion - low-fee deposit/savings products and digital onboarding to capture underserved segments.
- ESG & community impact - investments in financial literacy, small business financing, and sustainability-linked lending initiatives.
- Customer acquisition cost (CAC) vs lifetime value (LTV) to ensure growth is profitable.
- Deposit stickiness and average deposit per account to measure household engagement.
- Loan book quality (NPL ratio) and provisioning coverage to preserve stability while scaling credit offerings.
- Tech uptime, average response time, and fraud incidence rate to maintain trust and service quality.
SBI Sumishin Net Bank, Ltd. (7163.T) - Vision Statement
SBI Sumishin Net Bank, Ltd. (7163.T) envisions becoming Japan's leading digitally native retail bank that amplifies individual and SME prosperity through secure, innovative, and accessible financial services. The vision emphasizes pervasive digital infrastructure, data-driven personalization, and partnership ecosystems that circulate affluence across society while maintaining rigorous risk discipline and profitability.
- Expand customer-centric digital services to increase financial inclusion across age cohorts and regions.
- Leverage open APIs, fintech partnerships, and real-time data analytics to deliver tailored products with low operational cost.
- Maintain capital and liquidity strength to support sustained growth while optimizing returns to shareholders.
Key strategic targets supporting the vision include doubling digital transaction volumes, increasing non-interest income share via fee-based services and investment products, and improving operating efficiency through automation and AI-driven customer journeys.
| Metric | Value (Most Recent FY / Snapshot) |
|---|---|
| Founded | 2007 |
| Retail accounts (approx.) | 5.2 million |
| Total deposits | ¥3.8 trillion |
| Total assets | ¥4.2 trillion |
| Net income (FY) | ¥28.0 billion |
| Return on Equity (ROE) | 8.5% |
| Common Equity Tier 1 (CET1) ratio | 11.2% |
| Cost-to-Income Ratio | 45% (target / current) |
Core Values and Operational Translation
- Integrity: Decision frameworks and governance ensure fair treatment-customer complaint resolution targets under 30 days and transparent fee disclosure processes across all channels.
- Curiosity: R&D investment allocation and pilot programs-annual technology budget directed to AI, blockchain pilots, and behavioral-finance initiatives to improve personalization and reduce fraud.
- Flexibility: Agile product lifecycle-average product iteration cycle shortened to quarters, enabling rapid response to regulatory and market shifts.
- Agility: Front-line empowerment-decentralized approval limits for rapid customer decisions; time-to-market KPI for new digital features measured in weeks.
- Passion: Performance culture-OKR-driven teams, with outcome-based incentives tied to customer satisfaction (NPS) and retention metrics.
- Leadership: Exemplary conduct-executive scorecards include ESG targets, financial stewardship, and community engagement hours.
Operationalizing these values yields measurable outcomes: improved Net Promoter Score (NPS) trends, lower customer acquisition cost (CAC) via digital channels, higher share of wallet through cross-sell of investment and lending products, and sustained capital ratios above regulatory minima.
Value Creation Metrics
| Dimension | Target / Benchmark | Current / Indicative |
|---|---|---|
| Customer Growth (YoY) | +10-15% | +12% |
| Digital Transaction Volume (YoY) | +20% | +22% |
| Non-Interest Income Share | 30-35% | 28% |
| Operating Expense Reduction | -5% per annum | -3% (automation projects) |
| NPS | +40 (target) | +36 |
For in-depth financial analysis and shareholder-oriented metrics, see: Breaking Down SBI Sumishin Net Bank, Ltd. Financial Health: Key Insights for Investors
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