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Group's Management Philosophy

1.

We will respond promptly and accurately to the diverse needs of our customers around the world and seek to inspire their trust and confidence.

2.

We will offer innovative and high-quality financial services by actively pursuing the cultivation of new business areas and developing new technologies.

3.

We will comply strictly with all laws and regulations and conduct our business in a fair and transparent manner to gain the public's trust and confidence.

4.

We will seek to inspire the trust of our shareholders by enhancing corporate value through continuous business development and appropriate risk management, and by disclosing corporate information in a timely and appropriate manner.

5.

We will contribute to progress toward a sustainable society by assisting with development in the areas in which we operate and conducting our business activities with consideration for the environment.

6.

We will provide the opportunities and work environment necessary for all employees to enhance their expertise and make full use of their abilities.

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