• Achieve net income of JPY 450.0 billion on an IFRS basis in FY2025 and a Group Adjusted Profit of JPY 760.0 billion (JPY 450.0 billion if the effect of the sale of  strategic equity holdings is excluded).
• Achieve an Adjusted ROE of 12% and a Group Adjusted ROE of 16% (10% if the effect of the sale of strategic equity holdings is excluded).
  (Note) The Group plans to change its accounting standards to IFRS in FY2025.

• Our basic strategies for realizing our aspiration of becoming a “corporate group that supports a resilient and sustainable society” are “Value (value creation),” “Transformation (business reforms)” and “Synergy (demonstration of group synergy).”
• “Sustainability,” “Quality,” “Human Resources” and “ERM” are the foundations supporting the basic strategies.

• Aim to solve social issues that are important both for stakeholders and for the Company, and focus on the three priority issues

• Establish clear business operation rules, strengthen risk management in second- and third-line activities, put customers and agents first in business operations and re-emphasize compliance

• Increase human capital investment  and strive to improve employees’ well-being
• Secure human resources to support the execution of strategies and also develop an environment for their active participation and career advancement  

• Quantitatively and qualitatively identify risks held by the entire Group and strengthen the risk management framework.
• Allocate management resources in such a way that strikes the right balance between risk, returns and capital by using the ERM cycle

*2.Group Adjusted Profit ÷ average of beginning and end amounts on BS of adjusted net assets (consolidated net assets + balance of catastrophe reserves etc. -  balance of goodwill and other intangible fixed assets)