Medium-Term Management Plan “Design Next 100: Beyond the Securities Company”

「As we entered the second year of the medium-term management plan, GBA sales, which were at the pilot stage at selected branches in the previous fiscal year, were rolled out in earnest at all branches during the fiscal year under review.」

「In the fiscal year under review, the first year of the medium-term management plan, we implemented a major reform in the securities business by fully establishing GBA sales, and the transformation of the earnings structure made steady progress.」

「In the fiscal year under review, the first year of the medium-term management plan, we implemented a major reform in the securities business by fully establishing GBA sales, and the transformation of the earnings structure made steady progress.」

「In April 2025, we formulated the medium-term management plan “Becoming a Lifelong Partner to Customers and Their Families through Asset Management and Asset Building,” covering the 3 years through March 2028. Based on the plan, we will implement fundamental changes to our business and earnings structures to achieve the ROE target of at least 8% on a stable basis.」

「Against this backdrop, based on our management philosophy of "providing a richer life to more people through securities investment" and the medium-term management plan "Define Next 100—More for Our Customers," launched in fiscal 2022, our Group has established five basic policies and is pursuing various initiatives: thorough customer-focused operations; a shift from the brokerage business to the asset-building business; expansion of the platform business; stronger Group collaboration to create an integrated financial services group; and the realization of a sustainable future.」

「In its second year, the medium-term management plan “Define Next 100: More for Our Customers” has the mission of freeing wealth-building customers from anxiety about their lives. We are working to propose services that stand alongside each customer throughout their life, including the launch in August 2023 of a goal-based approach wrap service, marketed under the nickname Smile Goal.」

「In its second year, the medium-term management plan “Define Next 100: More for Our Customers” has the mission of freeing wealth-building customers from anxiety about their lives. We will approach wealth-building customers and support asset building by expanding the platform business through collaboration with financial institutions and the IFA business.」

「Now in its second fiscal year, the medium-term management plan “Define Next 100: More for Our Customers” continues to target novice investors and younger people building assets. Through collaborative activities with IFA firms (financial product intermediaries), the group is gradually expanding its customer base while developing more proactive communications activities.」

「We deeply regret our efforts during the current fiscal year and will promptly address the various issues ahead while implementing specific measures with the years ahead in mind.」

「Under its management philosophy of “providing more people with a richer life through securities investment,” the group is working based on its new medium-term management plan, “Define Next 100: More for Our Customers,” launched this fiscal year. Under “A Thoroughly Customer-Centric Approach,” one of the plan’s basic policies, it is seeking to deepen communication with customers, foster trust, and establish an asset-formation business.」

「Beginning in the current fiscal year, our group newly formulated the 3-year medium-term management plan “Define Next 100: More for Our Customers” (April 2022 to March 2025). To further accelerate efforts to establish the asset-building business continued from the previous medium-term management plan, this plan sets out 5 basic policies: “an uncompromising customer perspective,” “from the brokerage business to the asset-building business,” “expansion of the platform business,” “strengthening group collaboration” and “realizing a sustainable future.” We will pursue priority measures based on each policy.」

「Under the medium-term management plan “Define Next 100: More for Our Customers,” we have established the material issues and priority measures that the company should address, as follows.」

「There were no material changes to the management policies, management strategies or other matters established by our group during the first nine months of the fiscal year.」

「There were no material changes during the second quarter of the fiscal year to the management policies, management strategies or other matters established by our Group.」

「There were no material changes during the first quarter of the fiscal year to the management policies, management strategies or other matters established by our Group.」

「Based on the medium-term management plan formulated in March 2019 and under the management philosophy of “providing more people with richer lives through securities investment,” our group aims to remain a trusted and preferred company, assessed not by its scale but by the value it provides to customers.」

「Under the management philosophy of “providing more people with richer lives through securities investment,” our group is working to give concrete form to the asset-building business.」

「The medium-term management plan “Design Next 100: Beyond the Securities Company,” a 3-year plan that began last fiscal year, entered its second year in the current fiscal year.」

「Under the management philosophy of “providing more people with richer lives through securities investment,” our group promoted the new 3-year medium-term management plan “Design Next 100: Beyond the Securities Company” beginning in the current consolidated fiscal year. We adopted “Hope Courier (Deliverers of Hope)” and “super-retail securities firm” as the visions we aspire to achieve, and worked to improve customer satisfaction by using a diverse range of solutions-based approaches to help customers build their assets.」

「There were no material changes to the management policies, management strategies or other matters established by our group during the first nine months of the fiscal year.」

「During the consolidated fiscal year, we formulated the medium-term management plan “Design Next 100: Beyond the Securities Company” covering the 3 years from fiscal 2019 through fiscal 2021.」