Worth reading
44Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.Direction
Mixed performance
Direction inferred from the company’s description.Scale
—
Displayed only when the document provides numerical figures.Wording
Conditional
How definitive the wording is.Items stated in the management plan
Partial revisionOperating profitInitial target (excluding core net business profit and gains/losses on cancellation of investment trusts) 3,800 / Most recent results (FY2025) 2,378 → ¥3,420 million（Compared with the initial target -10.0% / Compared with the most recent results +43.8%）
Net income for the current fiscal yearInitial target 2,090 / Most recent results (FY2025) 502 → ¥1,960 million（Compared with the initial target -6.2% / Compared with the most recent results +290.4%）
ROEInitial target 3.7 / Most recent results (FY2025) 0.9 → 3.5 %（Compared with the initial target -5.4% / Compared with the most recent results +288.9%）
Only the target level is shown because the current level for comparison was not provided.Key initiatives
01Established a three-department structure under the Mirai Support Headquarters by creating the Corporate Planning Department and Retail Sales Department in addition to the Corporate Sales Department, which consolidates corporate relationship management.
02Separated the Risk Management Office from the Corporate Management Department and consolidated it with the Compliance Management Department and other units to establish the Risk Management Department.
03Established a Back-Office Center within the Department and Branch Support Department.
Reason for revision or withdrawal
This revision reflects the significant change in the interest-rate environment since the plan was formulated, which led the company to shift the principal driver of earnings growth from increasing average balances to expanding the interest margin, defined as the difference between the funding yield and the investment yield.
| Item | Details |
|---|---|
| Plan name | Medium-Term Management Plan: Toward an Exciting “Future” — Together with the Community |
| Plan period | Phase I of the Medium-Term Management Plan, final year: FY2026 (start year: Not disclosed) |
| Progress against the plan | Partial revision |
| Operating profit target | Initial target (excluding core net business profit and gains/losses on cancellation of investment trusts) 3,800 / Most recent results (FY2025) 2,378 → ¥3,420 million（Compared with the initial target -10.0% / Compared with the most recent results +43.8%） |
| Net income target | Initial target 2,090 / Most recent results (FY2025) 502 → ¥1,960 million（Compared with the initial target -6.2% / Compared with the most recent results +290.4%） |
| ROE target | Initial target 3.7 / Most recent results (FY2025) 0.9 → 3.5 %（Compared with the initial target -5.4% / Compared with the most recent results +288.9%） |
| Key initiatives | Established a three-department structure under the Mirai Support Headquarters by creating the Corporate Planning Department and Retail Sales Department in addition to the Corporate Sales Department, which consolidates corporate relationship management., Separated the Risk Management Office from the Corporate Management Department and consolidated it with the Compliance Management Department and other units to establish the Risk Management Department., Established a Back-Office Center within the Department and Branch Support Department. |
| Reason for revision or withdrawal | This revision reflects the significant change in the interest-rate environment since the plan was formulated, which led the company to shift the principal driver of earnings growth from increasing average balances to expanding the interest margin, defined as the difference between the funding yield and the investment yield. |
| Publication date | 11 May 2026 |
Items this document does not state (16)
Sales TargetOperating profit margin targetROIC targetPayout ratio / DOE policyTreasury share acquisition policyCost of capitalSelf-assessment of PBR and share priceTotal investment planInvestment amount by sectorSegment targetNon-financial targetsPlan assumptionsResults under the previous planSize of the Target MarketRisks identifiedDate of board resolution
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.As the interest-rate environment has changed significantly since the plan was formulated, the company revised the principal driver of earnings growth from increasing average balances to expanding the interest margin. The organizational changes are intended to strengthen the sales and risk management structures, consolidate human capital and improve operational efficiency.
How to read this page
This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.
Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.
Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.