Group Vision
Our core business is an integrated service group that provides financial services which grows with our community. We strive for excellent customer experience by supporting our customers' financial and non-financial business needs.
The Four Group Strategies
The basic policy of our mediuim-term policy is to further improve the Group's governance, and to realize the Group's vision by implementing the Four Group Strategies
The basic policy of the medium-term business plan
"to further improve the Group's governance"
Group Governance
- formulating group-wide strategies and monitoring the implementation status for each company within the Group
- speeding up the implementation of each company's business activities by transfereing authority to the companies
Group Synergy
- building a one-stop platform to provide various services
- open innovation through cooperation and collaboration with external companies
Risk Governance
- establishing a group-wide risk management system
- continuing to strengthen cyber security measures
Compliance
- implementing principles-based compliance
- continuing to strengthen measures to prevent money laundring and terrorist financing
Target Business Indicators
| FY 2020 | FY 2023 | |
|---|---|---|
| Consolidated net income | 5.2 billion yen | 6 billion yen |
| Consolidate ROE | 3.46% | Approx. 4% |
| Consolidate OHR | 71.4% | Approx. 70% |
| Consolidate capital adequacy ratio | 10.95% | Approx. 10% |
*Consolidated ROE is based on shareholders' equity.
Dividend Policy
Given the public nature of our business as a financial services company, our basic policy for the appropriation of surplus funds is to strengthen our management structure and to maintain a stable payment dividends.
Ordinary Dividend
We aim to pay an annual ordinary dividend of ¥70 per share, regardless of business performance.
Performance-linked Dividend
We will consider paying a special dividend if the consolidated net income for the fiscal year exceeds @ billion yen.
Total return ratio
The total amout of to be paid out to shareholders is expected to be 30% of the consolidated net income for the fiscal year.