Investor Relations(IR)

Integrated Report

Integrated Report 2025

How We Create Value[3,000KB]
Strengths and Management Capital
Value Creation Process
Value Creation Story
Revenue Structure

How We Materialize the Goals[4,080KB]
Medium-Term Management Plan
- Overview of Previous Medium-Term Management PlanーFY2022 to FY2024
- Message from Head of Corporate Strategy Group
- Materiality
- Growth Story Informed by Dialogue with Outside Experts
- Overview of New Medium-Term Management PlanーFY2025 to FY2029
- Message from Head of Finance Group
Business Strategy
- Completion of Business Structural Reforms
- Strengthen Engagement with Customers by Providing New Experiential ValueーConsumer Client Strategy
- Strengthen Engagement Through Digital Installment Payments
- Feature: Waketara, Our Digital Installment Payment App－Waketara Roundtable Discussion
- Grant Credit for and Support Productivity Improvement of SMEsーCorporate Client Strategy
- Digital Transformation (DX) Support for SMEs Deepening Circular Economy Market

Our Foundations for Success[7,260KB]
Strengthening the Management Foundation
- Four Management Foundations
- Corporate Cultural Reform to Become a “Leading Company Creating New Financial Scenes”
- Specific Initiatives: Corporate Philosophy Engagement and Practice Initiatives
- Business Process Transformation (BPX)
- DX/Full-Scale Expansion of Digital and AI Utilization
- Further Evolution of Human Capital Management and Human Resources Strategy, and Reform of Work Styles
- Message from Head of Human Resources & General Affairs Group
- Human Resources Strategy Vision and Human Resources Basic Policy
- Inclusion & Diversity
Conversation with Outside Directors
Message from the Chair of the Board
Corporate Governance
- Members of the Board of Directors
- Skills Matrix
- Basic Views
- Overview of the Board of Directors and Audit and
- Supervisory Committee
- Analyzing and Evaluating the Efectiveness of the Board of Directors
- Governance Structure with Major Shareholders in Consideration of Protection of Minority Shareholders
- Executive Compensation
Risk Management / Compliance
- Message from Head of Corporate Compliance Group and Risk Management Group
- Risk Management / Compliance
Cybersecurity
Sustainability Promotion Structures
Environmental Initiatives
Respect for Human Rights

Data[524KB]
Status of Dialogues with Shareholders and Investors / External Recognition and Participation in Initiatives
Financial Data
Non-financial Data
Company Information / Stock Information

Introduction[4,452KB]
Our New Corporate Philosophy
Charting the Course for Our New Corporate Philosophy
Interviews with Philosophy Reconstruction Committee Members

From Past to Future[2,551KB]
From Our Founding Origins to the Evolution of the Orico Group
Value Creation Process
Strengths of the Orico Group (Capital for Value Creation)

Orico’s Sustainability Management Goals[1,603KB]
Message from Head of Corporate Strategy Group
Shedding Light on the Vacant House Issue! Toward the Sustainable Society We Aim For
Orico’s Human Resources Strategy and Human Capital Management
- Message from Head of Human Resources & General Affairs Group
- Human Resources Strategy
Promoting Inclusion & Diversity with Inclusion as a Driving Force for Transformation
Cultivating “Female Managers That You Want to Be”, Working While Valuing Their Authentic Selves

Orico’s Growth Strategy[2,068KB]
Medium-Term Management Plan and Business Strategy
Creating Social Impact Through New Value Generation via Collaboration
A New Path to Expanding Synergies in Southeast Asia
Leveraging Digital for Business Strategy
Message from Head of Finance Group
Business Oveview and Strategy
- Performance by Business Segment
- Installment Credit Business
- Credit Cards and Cash Loans Business
- Bank Loan Guarantee Business
- Settlement and Guarantee Business
- Overseas Business
- Strong Alliance with Mizuho and ITOCHU Corporation
Diversifying the Orico Group Portfolio
- Orico Forrent Insure Co., Ltd.
- ORIFA Servicer Corporation
- Japan Collection Service Co., Ltd.

Orico’s Foundation[2,172KB]
Conversation with External Directors
Corporate Governance
- Basic Views
- Board of Directors Skills Matrix
- Members of the Board of Directors
- Message from a New External Director
- Director Compensation
- Governance Structure with Major Shareholders in Consideration of Protection of Minority Shareholders and as Such
- Ensuring Appropriateness of Related Party Transactions with Major Shareholders, Directors, Among Others
- Evaluation of Board Effectiveness
- Business Execution Structure
Risk Management / Compliance
- Message from Head of Corporate Compliance Group and Risk Management Group
- Risk Management Initiatives
- Compliance Initiatives
Cybersecurity
Respect for Human Rights
Climate Change Initiatives

Financial/Non-financial Information[1,030KB]
Stakeholder Engagement
External Awards and Participation in Initiatives
Financial Data
Non-financial Data
Company Information / Stock Information

Overview of Orico[2,551KB]
Value Creation Journey
Orico in Figures/Orico's Business Fields
Value Creation Process
Financial and Non-financial Highlights

Data[1,030KB]
Financial and Non-financial Highlights (10 Years)
Company Overview/Stock Information
Group Company Information