Regarding the Medium-Term Management Plan for Fiscal Years 2026–2028 (2028 Mid-Term Plan)

Overview of the Medium-Term Management Plan

Mitsubishi HC Capital has formulated the medium-term management plan "2028 Mid-Term Plan" covering the three years from fiscal 2026 to 2028. Positioned as an important milestone toward realizing the "Vision for FY31" announced in 2022, ROE is established as the most critical indicator, with targets of 10.0% ROE, net income of 210 billion yen, and a dividend payout ratio of over 45% by fiscal 2028. The plan promotes four driving forces: business, finance, digital, and human resources & culture. It aims to build a portfolio with high profitability and growth potential, optimize capital allocation, enhance management sophistication through digital utilization, and accelerate corporate culture transformation.

Strategy Details and Business Growth Direction

The business strategy is based on Business Model Evolution and Stacking 2.0, shifting from asset scale expansion to a growth model focused on profitability. The proportion of finance-centered business models will be reduced, while more profitable models such as services and asset management will be expanded. The financial strategy optimizes capital allocation balancing growth, capital profitability, and financial soundness. The digital strategy promotes productivity improvements through asset data utilization and digital technology. The human resources and culture strategy fosters a corporate culture that encourages challenge and transformation, with leadership development. Each business segment expects profit growth driven by recovery of overseas customers and expansion of specialized businesses centered on aviation and real estate.