Customer-Segment Marketing and a Focus on Stable Earnings

「We established “Orque d'or” as a brand for affluent customers and are promoting services based on an asset-portfolio model that makes use of customers’ total assets, through initiatives including the rollout of salons and products such as securities-backed loans, as well as the development of sales personnel. We are also pursuing Orque d'or Strategy 2.0, which aims to provide an even higher level of service through digitalization and other measures to improve marketing capabilities and service convenience in both financial and non-financial areas. We are promoting the “Clair Ciel Strategy” to expand transactions with mass-affluent and upper-mass customers, providing comprehensive financial and non-financial services.」

「Under “strengthening financial capabilities,” Tokai Tokyo Securities Co., Ltd., our Group’s core subsidiary, is further strengthening its focus on affluent-customer sales under its customer-segment strategy.」

「To achieve further growth, our Group has been implementing the medium-term management plan “Beyond Our Limits: Challenge to a Different Dimension” since fiscal 2022, and this fiscal year is the third year of the plan. The plan’s basic strategic policies are “strengthening financial capabilities” and “priority initiatives toward a different dimension.” Under “strengthening financial capabilities,” Tokai Tokyo Securities Co., Ltd., our Group’s core subsidiary, is further strengthening its focus on affluent-customer sales under its customer-segment strategy and working to provide services to the mass-affluent segment, a new target market.」

「To meet customers’ increasingly diverse investment needs, we began offering a discretionary investment management service in which dedicated investment managers manage portfolios on an individually tailored basis, and provide portfolio proposals based on a goal-based approach.」

「In August, CHEER Securities Co., Ltd., our Group’s smartphone-only securities company, and Money Design Co., Ltd., which operates a robo-advisory business, began offering “Omakase Unyo,” a discretionary investment management service that manages customers’ assets on their behalf. By combining advanced services that leverage our Group’s financial digital technologies, we will address customers’ diverse needs while further enhancing synergies within the Group and expanding our points of contact with younger and next-generation customer segments.」

「By combining advanced services that leverage the financial digital technologies held by our Group, we will address customers’ diverse needs while further enhancing synergies within the Group, expanding our points of contact with younger and next-generation customer segments and seeking to increase corporate value as a group.」

「Individual customer business / strengthening affluent-customer business (increasing assets under custody), providing products tailored to diverse needs, and strengthening solution-proposal capabilities」

「We also propose and provide comprehensive solutions, including business succession, inheritance planning and tax planning, to a broad range of customers, including small and medium-sized business owners and physicians. For mature customers, we are strengthening consulting services for life events such as inheritance and retirement. For asset-building customers, we are developing “MONEQUE,” which offers insurance as an entry-level product together with mortgage and securities functions, and focusing on acquiring potential customers for the future. We are also focusing on developing new markets, including securities-backed loans and insurance, in an effort to diversify earnings and build a stable earnings base.」

「In our retail business, we are working to expand our customer base and strengthen earnings under the theme of “pursuing the distinctiveness of our strategy by retail customer segment.” For affluent customers, in addition to opening the “Orque d'or Salon TOKYO” on the top floor of Nihombashi Takashimaya Mitsui Building, we are enhancing our capabilities and services through initiatives including the development of our personnel. For mature customers, we are strengthening consulting services for life events such as inheritance and retirement, while establishing a specialist department for customers with a high risk appetite. For asset-building customers, we are developing “MONEQUE,” which offers insurance as an entry-level product together with mortgage and securities functions, targeting customers with limited investment experience, and focusing on acquiring potential customers for the future.」

「To provide optimal services tailored to the characteristics and needs of affluent, asset-building and mature customers, we are strengthening and expanding our capabilities.」

「In our individual customer business, we are pursuing “stable-earnings-focused sales” and “sales focused on customer profitability” based on our “customer-segment marketing strategy.”」