Bank "Hanzawa Naoki" talks about "there is no future on the extension of the present" April 6, 18:50
"Mr. Hanzawa, the next president of Bank of Tokyo-Mitsubishi UFJ"
This news, which was announced at the end of last year, attracted attention on the Internet, coupled with the topic that a person with the same surname as the main character of a popular TV drama set in a bank was appointed to the top. ..
The "Hanzawa President" took office in April and responded to an interview with NHK.
Now that the role of banks is being questioned again due to the corona virus, what kind of future image does Hanzawa Naoki envision?
(Reporter, Ministry of Economic Affairs, Yutaro Miyamoto)
Without 13 people from the mainstream maintenance
Junichi Hanzawa (56), who joined Mitsubishi Bank at that time in 1988 (1988) during the bubble economy.
Among the approximately 400 people in the same period, there was Jun Ikeido, the original author of "Naoki Hanzawa" and a former bank clerk, but he said he had no direct acquaintance.
By the way, Mr. Hanzawa is not a model of "Naoki Hanzawa".
Mr. Hanzawa went through the planning field almost consistently during the financial crisis after the burst of the bubble economy.
It is a department called "mainstream maintenance" in the banking career that plans the management strategy by looking at the entire business.
At the time of the business integration of Mitsubishi Tokyo Financial Group and UFJ Holdings in 2005, he made an outstanding appearance by engaging in the establishment of the current Mitsubishi UFJ Financial Group in the Integrated Planning Office.
When it was decided to take office as president, the appointment of the deputy president and managing director, who were early in the year of joining the company, to become the top executive was also talked about.
However, Mr. Hanzawa, who has been on the bank's career path, is a favorite candidate for the future president, and there are also voices saying that "a proper personnel affair that is never a surprise" (accompanying official).
Hanzawa Naoki, who was also noted for his unusual selection of personnel.
"I got a lot of attention, so I want to use what I can use," he said plainly. "There is also pressure to produce results firmly because he has been noticed," he laughs bitterly. ..
Banks questioned by Corona
What Hanzawa Naoki calls "the issue of the first place in 1-chome" is the support for cash flow in the corona virus.
The cumulative amount of domestic loans provided by Bank of Tokyo-Mitsubishi UFJ since March last year amounted to 5.3 trillion yen (as of the end of March 2009), but "there are signs that it will increase in March." That is.
With the spread of the new coronavirus, banks have provided a cumulative total of 4 trillion yen in loans for the three months since March last year, and the number of consultations since then has calmed down a little.
However, as the corona infection shows no signs of convergence, the impact on businesses is protracted.
Mr. Hanzawa
"Initially, there were many companies that provided loans for about one year (short-term) because Corona might fit in about one year. However, sales of services for individuals such as hotels and travel are restricted. The number of reschedules (changes in repayment terms) and additional support for loans that have been financed is increasing.
The disappearing store headquarters are also consolidated
The corona wreck is also an opportunity for banks to review themselves.
In order to prevent the spread of infectious diseases, the number of customers visiting the store is steadily decreasing due to the call for refraining from visiting the store urgently.
At the same time, it urged banks to respond to digitalization as an urgent issue.
Hanzawa Naoki
"While the number of customers visiting our stores has halved in the last five years, the number of (Internet) banking services via smartphones has increased 2.5 times. It is necessary to create a highly convenient business model for online non-face-to-face services. is there"
Bank of Tokyo-Mitsubishi UFJ has begun to reduce the excess store network.
The number of stores nationwide, which was about 500 in March 2018, will be reduced by 40% by 2023, while the net bank plans to expand all major transactions from opening an account to closing the account.
In addition, the functions of the headquarters, which contributes to the high cost structure of banks, will be consolidated.
President Hanzawa has announced that he will rebuild the bank head office in Marunouchi, Tokyo for the first time in about 40 years, and consolidate the nine bases of banks, securities companies, and trust banks within the group.
We will solidify the details of the plan next year and aim for completion in the latter half of the 2020s.
Hanzawa Naoki
"Due to the corona sickness, the ratio of working from home at the headquarters is only 50-60%, conversely, only 40-50%. In the after-corona world, at least 100% will not come back again. We would like to significantly reduce the maintenance and management costs of our bases through consolidation and speed up the development of management decisions and strategies (for the entire group). "
I want to change the “way” of banks
Hanzawa Naoki showed the attitude of inserting a scalpel without a sanctuary.
The environment surrounding banks is becoming more difficult.
Five years have passed since the introduction of the BOJ's negative interest rate policy, and it has been a long time since it was called the ultra-low interest rate era.
The business model of banks, which lends funds to earn margins, is being questioned.
President Hanzawa
"I think it's better to think that ultra-low interest rates will become constant. There is no future on the (conventional) rail that relies on deposits and loans at such times. Bank customers have various management issues and new awareness of issues. We accurately grasp those awareness and make proposals in advance rather than waiting for a request. For example (not only financing) ) The future of banks will not be bright unless we connect them to M & A or change our business model. We want to change the way banks are. "
Speaking of "Hanzawa Naoki", the line of "Double return!" Is famous.
However, when he asked Hanzawa Naoki, "How many times do you want to give back?", He answered, "I want to give back to the customer."
Is it possible to break the traditions and common sense of banks and create a next-generation financial model that can return profits to customers?
The ability to change is likely to be questioned.
Reporter of the Ministry of Economic Affairs
Yutaro Miyamoto
Joined the
station in 2010 After working at the Sapporo Bureau, the Ministry of Economic Affairs is currently in charge of the financial industry.