Process:

Theme
Financial
Perspective

Customer
Perspective

Internal Process
Perspective

STRATEGY MAP
Objectives

Measu

1 Increase Fee income

2 Maximize Income from

core customers

3 Minimize Credit Cost

4 Enhance Cost
Efficiency

1 Be#1 Foreign Wholesale

Bank in the Americas
2 Be a reliable Source of
Credit
3 Provide Global Network
Banking
4 Provide Speedy and
Accurate Service
1 Grow Revenues

a
b
c

a
b

c
d

2 Manage Risk

b
c

3 Enhance Productivity

c
Human Capital
Perspective

1 Develop Succession
Plan
(Succession Planning )

2 Provide Training on
Credit and Product
( Training )
3 Competitive Environment:
Teamwork, Safety, and
Fairness
(Work Environment )
4 Competitive Compensation
( Pay-for-performance )

BALANCED SCORECARD
Measurement
Investment banking fee income >
interest income
Grow income from Japanese Customers
operating in the Americas and non
Japanese multinationals
Minimize credit costs, particularly in large
U.S. corporate and Latin American segment
Adopt drastic cost reduction efforts on an
enterprise-wide basis
Differentiate its products and service on
several key points:
Reliable lending capabilities
An extensive global network
Service quality
that meets high standards for accuracy and
speed

Generating revenue by supporting Americas

clients' business in Asia
Delivering highly customized product
through collaboration between relationship
managers and product managers
Clear customer segmentation based on
profitability and risk appetite
Clear definition of risk appetite and
alignment to business strategy

Target
x%
x%

x%
x%

Increase x% annually
Increase x% annually
decrease x% cust complaint

Increase x% annually
Increase sales customized
product x%
x%
x%

Emphasis on proactiveness rather than

reactiveness in identifying and mitigating
risk in all areas of the bank
Minimization of transfer risks associated
with credits in Latin America
Emphasizing the importance of disaster
recovery and business continuity
management as an integral part of
bank wide risk management

increases suggestions from

employees

Execute major technology and efficiency

projects

increase x%

decrease x%
increases socialization to
employees

Enhance collaboration throughout the

supply chain. To deliver customized product
at desired speed , it is critical to optimize
collaboration among front, middle, and back
offices
Streamline credit approval process
To maintain stability of operation by
indetifying key personnel well in
advance and preparing succession plans
for those people
To enhance credit risk management
capabilities.
To maintain a good teamwork orientation,
safety where all basic standards are met,
fairness where no discrimination of any
kind exists
Blending Japanese seniority-based
management style with The U.S. performance
based HR architecture

x% collaboration

x days
x%

x%

decrease x% discrimination
decrease x% work accident

decrese x% seniority based

increase x% performance
based

ACTION PLAN
Initiative

Budget

create new products based on fee

$ xxx

marketing programs

$ xxx

learning supply chain process to

reduce or eliminate credit cost
study visit to another company

$ xxx

employee training
opens new branch
employee training

$ xxx
$ xxx
$ xxx

marketing programs

$ xxx

collaboration marketing programs

$ xxx

survey and research

$ xxx

working paper

$ xxx

new phone line/internet line/

suggestion box

$ xxx

new regulations

$ xxx

socialization

$ xxx

new programs

$ xxx

$ xxx

collaboration program

$ xxx

learn to improve business process

$ xxx

employee assestment programs

$ xxx

employee training

$ xxx

togetherness programs

$ xxx

payroll system improvement

$ xxx