To all our shareholders, thank you for your continued support.

The Company will celebrate the 10th anniversary of its founding in October this year. I would like to take this opportunity to express our sincere appreciation to all of our stakeholders for their warm and generous support.

In our quest to realize the Group’s vision for the future of creating “comprehensive service business that is also strong in finance,” we have been working earnestly to address customer needs and social issues. Against this backdrop, we have established our corporate purpose “Giving our all, for TOKYO” in March this year to reaffirm our resolve to cater to our customers and the community, and to better clarify the Group’s mission to society. And based on this purpose, we have been implementing specific initiatives aligned with regional characteristics and challenges, while communicating such activities both internally and externally.

In FY2023, the final and key year of the Medium-Term Business Plan, we promoted main bank relationship-building and provided specialized financing in such areas as business succession and M&As. In terms of business performance, we reported profits that exceeded the levels of the previous fiscal year.

In FY2024, we’ve launched a new Medium-Term Business Plan that runs for three years, ending in FY2026. We will seek to further improve corporate value by focusing on the priority issues of “review of income structure and strengthening of profitability” such as by improving the profitability of each Group company and expanding fee business through provision of high-quality consulting services, “further efficiency improvement” to increase productivity, and “enhancement of equity capital” with a view to redemption of preferred shares.

By fully leveraging the collective strength of the Group, we are committed, beyond the conventions of the financial industry, to providing customers with solutions to their issues at every stage of their life, and will strive for the sustainable development of local communities and economies. On behalf of the Group, I ask for your continued encouragement and support.

June 2024