Message to shareholders and investors

Last fiscal year, we launched our three-year medium-term business plan, "Do next!", positioning the period from fiscal year 2025 to 2027 as a three-year period in which we will challenge ourselves to "transformation" and "renewed growth" through expanded collaboration with the MUFG Group, and have embarked on new initiatives.

While the first year of "Do next!" saw positive developments such as our entry into the financial business in Singapore, this second year, we anticipate significant changes in the environment surrounding our company, including the expected further interest rate hikes by the Bank of Japan and concerns about geopolitical risks. We will steadily implement the three key strategies outlined in "Do next!"—"Accelerating the growth strategy through collaboration with MUFG Group and M&A," "Promote radical business restructuring through shifting to a paradigm of 'From Quantity to Quality','' and "Secure financial soundness and improve capital efficiency through advancement of ALM"—and strive for renewed growth and increased corporate value.

We look forward to your continued support and understanding as we work toward our goals.

Ryo Murakami
President and Representative Director
April 2026