Three Businesses | VISION 2050 | Sustainability

Human Businesses (Options for Coexistence with Future Generations)

It is stated in MARUI GROUP's philosophy that we should "equate the development of our people with the development of our company." Accordingly, we see a company as being a platform for supporting the growth of its people. MARUI GROUP is thus only able to grow when it effectively operates this platform. Conversely, MARUI GROUP will not be able to grow if its employees do not also grow. At MARUI GROUP, we endeavor to supply our employees with opportunities to develop the capacity for empathy needed to build creditability together with customers as well as a corporate culture that fosters the propensity for innovation necessary for exercising a pioneer spirit of creating opportunities. MARUI GROUP's long-term targets provide a wide range of options for coexistence with future generations through co-creation with external entities, which will be conducted alongside human resource investment and the cultivation of a corporate culture that fosters a propensity for innovation founded on co-creation.

Long-Term Targets	Medium-Term Targets (5 years in the future)	Long-Term Targets (10 years in the future)	Ultralong-Term Targets (30 years in the future)
Annual human resource investments	¥1 billion or more (continued over the long term)
Voluntary participation by employees (aggregate)	10,000 employees or more each year (continued over the long term)
Future MARUI GROUP leaders cultivated (aggregate)		120 or more
Individuals capable of creating future value cultivated (aggregate)		4,000 or more	10,000 or more
Financial and sustainability education	Conducted in Japan (continued over the long term)		Conducted overseas

Co-Creative Businesses

The rapid expansion of virtual space and the backlash against raw individualism will likely make the world of 2050 a place that emphasizes individuality while also finding value in connections that transcend the boundaries of country and race. MARUI GROUP functions as a platform to society, enabling it to provide spaces and services emphasizing balance between individuality and connections through co-creative businesses.

In these businesses, a capacity for empathy—the ability of employees to adopt the viewpoints of various stakeholders to understand their thinking and their pain—is of utmost importance. MARUI GROUP seeks to expand the intersection between the interests (happiness) of six groups of stakeholders, including future generations, and co-creation activities with stakeholders are a vital part of this process. Among the long-term targets defined below are those pertaining to co-creation activities that contribute to improved corporate value. These targets are emblematic of our commitment to expanding options as part of MARUI GROUP's daily co-creation activities, embodiments of the credit philosophy that "creditability should be built together with customers," as options for stakeholders.

Long-Term Targets	Medium-Term Targets (5 years in the future)	Long-Term Targets (10 years in the future)	Ultralong-Term Targets (30 years in the future)
Co-creation with aggregate^*1	Total of 100,000 or more customers	Total of 500,000 or more customers	Total of 1,000,000 or more customers
Open innovation with companies	100 or more	500 or more	1,000 or more
Engagement with communities	50 or more	100 or more	200 or more
Co-creation with younger generations	150 or more	—	—
Engagement leading to increased corporate value	50 or more cases	100 or more cases	300 or more cases

*1 The number of customers that take part in MARUI GROUP's business process through planning meetings or other venues

Financial Inclusion

We predict that a massive global market catering to low- and middle-income individuals will appear in the world of 2050. MARUI GROUP intends to extend its financial inclusion initiatives, which involve supplying financial services for everyone, and it seeks to resolve income disparity starting with existing EPOS cardholders. The majority of EPOS cardholders are in their 20s or 30s, meaning that many of them will find themselves in need of large amounts of money as their life stage changes. To communicate to these customers the importance of lifelong asset building, MARUI GROUP established a securities company, which became the first company in Japan to allow for investment trusts applicable under Tsumitate NISA to be purchased with credit cards. We continue to expand the scope of our financial services for alleviating income disparity. Furthermore, we are expanding the range of options we offer to include non-Japanese residents of Japan with the goal of supplying new financial services that help them address the difficulties faced when going to school or working in Japan. Over the long term, we hope to provide these services both in Japan and overseas, and this aim is reflected in our long-term targets.

Long-Term Targets

Medium-Term Targets (5 years in the future)	Long-Term Targets (10 years in the future)	Ultralong-Term Targets (30 years in the future)
EPOS cardholders of 10 million or more	Services provided to 1 million individuals through tsumiki Securities
Provided financial services to 5 million or more members of younger generations	Provided financial services to 500,000 or more non-Japanese individuals	Provided financial services to 10 million or more individuals worldwide
Financial inclusion promoted through investment in 10 or more countries worldwide	Financial inclusion promoted through investment in 20 or more countries worldwide

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