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Medium-term Management Plan

Overview of the Medium-term Management Plan

The Medium-term Manegment Plan (MMP) period is positioned as the "first 1,000 days of taking on corporate transformation (CX) for accelerating initiatives to realize "Retail No. 1". In line with the MMP, we will focus adapt to changes in light of such trends as Sustainability transformation (SX), Degital transformation (DX), etc, and further accelerate income and cost structure reforms.

To realize these, we will enhance our value creation capabilities by pursuing the further development of business operations backed by our traditional strengths that we have nurtured in the course of specialization in the retail field and facilitating taking on new challenges in this area. We will also pursue thoroughgoing, integrally reforms of foundations while developing next-generation management platforms via the further enhancement of the consolidated management of Group companies.

Management reform emphases

KPIs under the MMP

For the final year of the MMP, we have set the KPIs presented below.

[Key Performance Indicators as of FY2025]

Key Performance Indicators as of FY2025

[FY2025 assumed conditions : Overnight call rate (0.05)%, Yield on 10Y JGB 0.40%, Nikkei 225 28,000 yen]

  1. *1.Net interest income from domestic loans and deposits + Interest on yen bonds, etc. (interest on yen bonds and income from interest rate swaps) + Fee income + Operating expenses
  2. *2.Net income / Total shareholders equity (simple sum of the balance at the beginning and the end of the term/2)
  3. *3.Based on the full enforcement of the finalized Basel 3 regulations under the international standard; excluding net unrealized gains on available-for-sale securities
  4. *4.As of March 31, 2024:FTSE Blossom Japan Index, FTSE Blossom Japan Sector Relative Index, MSCI Nihonkabu ESG Select Leaders Index, S&P/JPX Carbon Efficient Index series, MSCI Japan Empowering Women Index and Morningstar Japan ex-REIT Gender Diversity Tilt Index