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- **Net Income Target Raised**: FY '25 target increased to JPY 2.1 trillion, up JPY 100 billion, driven by customer segment growth and equity method gains.
- **Enhanced Shareholder Returns**: Dividends up to JPY 74 and JPY 500 billion buybacks, signaling confidence in cash flow generation.
- **ROE Progress**: On track for 12% target with strategic investments in AI, digital banking, and fee-generating businesses.
- **Credit Quality Improving**: Credit costs down 65.7% YoY; NPL ratio stable with strict risk management in overseas lending.
- **Capital Adequacy Stable**: CET1 ratio expected to remain around 10.5%, balancing growth with prudent capital allocation.

**【Management Opening Remarks】**
- **Revised Net Income Target**: Increased by JPY 100 billion to JPY 2.1 trillion for FY '25, driven by strong customer segment NOP and equity method investee performance.
- **Shareholder Returns**: Annual dividend forecast raised to JPY 74 (up JPY 4 from initial target), with JPY 500 billion share buybacks for the year.
- **ROE Target Progress**: On track for mid- to long-term 12% target, focusing on organic growth and strategic inorganic investments.

**【CFO Financial Commentary】**
- **Gross Profits**: Increased by JPY 189.3 billion YoY, driven by net interest income growth (rising yen rates, bond portfolio rebalancing) and fee revenue expansion (domestic and overseas solution services).
- **Expenses**: G&A up JPY 127.9 billion YoY due to inflation, acquisitions, and strategic investments in Retail & Digital.
- **Credit Costs**: Decreased by JPY 65.7 billion YoY due to large loan loss provision reversals and stricter screening criteria.
- **Asset Quality**: NPL ratio remains low; overseas subsidiaries show improved credit quality.
- **CET1 Ratio**: Projected to remain around 10.5% at FY '25 end, balancing growth investments with shareholder returns.

**【Q&A Highlights】**
- **Guidance Assumptions**: Conservative yen (JPY 140s vs. USD) and Nikkei assumptions; upside from customer segment growth and FX trends.
- **ROE Strategy**: Evaluating inorganic investments based on 12% ROE contribution; AI use cases to reach 250+ by FY '26.
- **Credit Risk Management**: Minimal exposure to high-risk private credit; cautious approach to data center lending.
- **Global Markets Strategy**: Shortening yen bond duration, increasing foreign bond holdings with focus on capital preservation.
- **CET1 Impact**: First half decline due to yen appreciation and Thai baht volatility; weak yen could support ratio in FY '26.


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