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Process for Establishing Core Themes

Process for Establishing Core Themes

Through the exercise of our corporate philosophy of “continue evolving to better aid our customers” and “equate the development of our people with the development of our company,” MARUI GROUP strives to fulfill its mission of contributing to the creation of inclusive society that offers happiness to all.
In short, by merging finance and retailing, the Company aspires to provide economic enrichment as well as emotional enrichment in the form of happiness and to create a society in which everyone is able to obtain this happiness.
However, this important mission cannot be carried out by the Company alone. Accordingly, an approach toward fulfilling this mission has been adopted entailing co-creation with customers, investors, communities and society, business partners, and future generations.
By engaging in such co-creation management with stakeholders, MARUI GROUP works to create harmony between the interests and happiness of all of its stakeholders while generating earnings and contributing to the resolution of social issues through its business.

Setting the Impact for Achieving 2050 VISION

Based on our mission of "Contribute to co-creating an inclusive society that offers happiness to all," we have set impact targets from our three business models based on co-creation, which is retail, fintech, and forward-looking investments.

“Flowchart of important theme decision process”
This diagram shows the process for determining important themes that MARUI GROUP should address, starting with "social issues" and through three business models based on co-creation (environment, economy, community/society). The structure expands into ``Impact,'' ``Vision 2050,'' and ``Mission.'' Environmental issues include climate change and a shift to renewable energy, economic issues include poverty and job creation, and regional and social issues include isolation and international collaboration. These issues can be resolved by building an ecosystem of co-creation. A policy is indicated.

Impact 2.0

In conjunction with the revision to our articles of incorporation, we updated the impact targets we announced in 2021 to create the new impact targets 2.0.
These updated impact targets indicate the path we will take toward exercising our corporate philosophy and fulfilling our mission.

ThemesPriority Measures
Creating a future for future generations together
Help realize a carbon-neutral society
Innovate for sustainable consumption and living
Support future generations to "create businesses"
Creating happiness for individuals together
Support individuals in pursuing their interests
Support the personalities of individuals
Support the health of individuals
Support individuals in utilizing their money
Creating an ecosystem for co-creation
Provide venues for co-creation
Innovate workstyles and organizations
Promote social experiments through business activities

2030 Impact KPIs and Financial KPIs

We will also set impact KPIs and financial KPIs to quantitatively monitor progress and achieve both impact and profit.

ThemesPriority Measures2030 Impact KPIsFinancial Value
Creating a future for future generations together
Help realize a carbon-neutral society
Reduction of CO2Over 1 million tons
Over ¥680 billion in transactions
Lifetime Value (LTV): Over ¥90 billion
Innovate for sustainable consumption and living
Users participating in "innovation in sustainable consumption and living"Over 1 million people
Companies offering options for "innovation in sustainable consumption and living"Over 1,000 companies
Support future generations to "create businesses"
Investment in future generation entrepreneursOver 100 cases
Creating happiness for individuals together
Support individuals in pursuing their interests
Support the personalities of individuals
Support the health of individuals
Users of cards that support interests, personalities, and healthOver 3 million people
Over ¥1.3 trillion in transactions
LTV: Over ¥200 billion
Companies supporting interests, personalities, and healthOver 200 companies
Support individuals in utilizing their money
Domestic and overseas young people and other users of financial servicesOver 10 million people
Over ¥3.5 trillion in transactions
LTV: Over ¥250 billion
Supportive investment through co-creative partnersOver 20 countries worldwide
Creating an ecosystem for co-creation
Provide venues for co-creation
Number of occasions for co-creationOver 500 times
Internal rate of return:Over 10%
Companies that create opportunities for co-creationOver 350 companies
Participants in the ecosystem for co-creationOver 10,000 people
Innovate workstyles and organizations
Percentage of employees who are highly engaged75%
Percentage of employees who are able to easily enter a state of flow60%
Percentage of employees who are making use of their interests in their work75%
Promote social experiments through business activities
Number of social experiments30 cases
Number of innovations created20 cases

Impact Measurement and Management System

The Sustainability Committee and the Board of Directors will implement impact strategy and management, and the operating companies responsible for implementation will collaborate in impact measurement management with the aim of confirming impact progress through KPIs and financial values, which are then used to make management decisions.

Impact management system flow diagram
This diagram shows the management system for checking the progress of impacts set by MARUI GROUP from KPIs and financial values, and utilizing them in management decisions. The Board of Directors, Advisory Committee, and Sustainability Committee work together to formulate and manage impact strategies, and work with operating companies to implement medium-term management plans and report on progress. Through this, we are integrating sustainability and management decisions and promoting initiatives aimed at resolving social issues.

Cycle of Impact Measurement and Management

Through social experiments through business activities and dialogue with 6 stakeholder groups, we identify our impact and implement cycles for improvement.

6 Cycle diagram of stakeholder dialogue
This diagram shows the dialogue process with six stakeholders, and aims to contribute to a sustainable society by conducting social experiments on corporate activities through understanding social issues, formulating strategies, verifying results, and analyzing effects. Masu. Based on environmental analysis from a global perspective and feedback from each stakeholder, business strategies are determined, KPIs are set, and activities are verified and evaluated as a cycle, with a system built in to constantly increase sustainability and impact. I am.