Integrated Report

Our New Corporate Philosophy
Charting the Course for Our New Corporate Philosophy
Interviews with Philosophy Reconstruction Committee Members

From Our Founding Origins to the Evolution of the Orico Group
Value Creation Process
Strengths of the Orico Group (Capital for Value Creation)

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

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.

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

Stakeholder Engagement
External Awards and Participation in Initiatives
Financial Data
Non-financial Data
Company Information / Stock Information