Medium-Term Business Plan

As of Jun 30, 2009

Fundamental concept

The business plan is titled “Speed & Quality Up 2012: Thorough commitment to speed and quality.” We have chosen this title as we intend to make thorough commitment to, and pursue enhancement of, speed and quality in all areas including customer relations, efforts and improvement on various measures, and organizational reforms.

Speed and quality were also targets in the previous medium-term business plan. These are recurring keywords in the new medium-term business plan as we believe continuation leads to true strength, and that these concepts will take root within and as our corporate culture.

Basic theme

Enhance quality with a sense of speed in all areas of PDCA.

  1. Establishing a high-quality financial standing
  2. Converting into a high-quality profit structure
  3. Providing high-quality services
  4. Nurturing high-quality employees
  5. Establishing a high-quality management structure

Basic strategy

  • Basic strategy 1
    Strengthening the overall capability of the organization
  • Basic strategy 2
    Cost reduction without exception
  • Basic strategy 3
    Thorough risk management and compliance
  • Basic strategy 4
    Improving productivity

 

Target management benchmarks (non-consolidated)

  March 2009 (Actual)
Net profits from core business \16.4 billion
OHR* 67.08%
Capital adequacy ratio 12.76%
NPL ratio 4.29%
March 2012 (Target)
\19.0 billion or more
62% or less
12% or more
Less than 4%
* OHR (overhead ratio): A benchmark indicating efficiency or productivity, obtained by dividing expenses by gross profits. The value becomes smaller as efficiency or productivity improves.