New Mid-term Plan “Aozora 2025”(FY2023–25)

Goals under the new Mid-term Plan “Aozora 2025”

Goals under the new Mid-term Plan “Aozora 2025” Goals under the new Mid-term Plan “Aozora 2025”

Outline of the new Mid-term Plan “Aozora 2025”

Aozora 2025
— Fostering, Change and Recovery —

Outline of the new Mid-term Plan “Aozora 2025” Outline of the new Mid-term Plan “Aozora 2025”

Mid-term financial targets

Key performance indicators

FY2021 (results)

FY2022 (results)

Capital efficiency

ROE

7.2%

1.9%

Financial strength

Capital adequacy ratio

10.4%

9.4%

Productivity

Business-related profit per employee*1

19 million yen

4 million yen

Business Group Earnings

Business-related profit RORA*2

1.1%

0.2%

Earnings level

Profit attributable to owners of parent

35.0 billion yen

8.7 billion yen

FY2025 (targets)

8%
(medium- to long-term: 10%)

9% or higher

20 million yen

1.3%

37.0 billion yen

  1. Business profit + Gains/losses on stock transactions
  2. (Business profit + Gains/losses on stock transactions) / Risk-weighted assets

Target earnings (net revenue and profit attributable to owners of parent)

Target earnings (net revenue and profit attributable to owners of parent) Target earnings (net revenue and profit attributable to owners of parent)

Capital policy

Maintain a proper balance among “stable shareholder returns”,
“strategic investments”
and “financial strength”

Capital policy Capital policy