Items stated in the management plan
Partially revisedImportant assumptions underlying the plan at the time it was formulated have changed, including the rapid advancement of AI and the acceleration of interest rate increases. To reflect advances in AI, rising interest rates, the emergence of specific business opportunities in the systems sales business, and the stabilisation of credit costs.
| Item | Details |
|---|---|
| Plan name | Medium-Term Management Strategy 2026Plus |
| Plan period | Medium- to long-term, looking ahead 5 and 10 years (start and end fiscal years: not disclosed) |
| Progress against the plan | Partially revised |
| ROE target | Not disclosed → Stable ROE of at least 8.0%; consistently achieve ROE of at least 10.0% from fiscal 2032 onward |
| Plan assumptions | Short term (policy rate): 1.50% (fiscal year ending March 2027) to 1.75% (fiscal year ending March 2028 onward); long term (10-year Japanese government bond): 3.00% (fiscal year ending March 2027 onward) |
| Key initiatives | Transition to AI-native management, Development of a co-creation platform, Strengthening the governance OS (governance) |
| Reason for revision or withdrawal | Important assumptions underlying the plan at the time it was formulated have changed, including the rapid advancement of AI and the acceleration of interest rate increases. To reflect advances in AI, rising interest rates, the emergence of specific business opportunities in the systems sales business, and the stabilisation of credit costs. |
| Publication date | 30 October 2026 |
Items this document does not state (17)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Because important assumptions underlying the plan at the time it was formulated have changed, including the rapid advancement of AI and the acceleration of interest rate increases. Also, to reflect advances in AI, rising interest rates, the emergence of specific business opportunities in the systems sales business, and the stabilisation of credit costs.