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.

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.
Themes | Priority Measures |
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Creating a future for future generations together |
Help realize a carbon-neutral society
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Innovate for sustainable consumption and living
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Support future generations to "create businesses"
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Creating happiness for individuals together |
Support individuals in pursuing their interests
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Support the personalities of individuals
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Support the health of individuals
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Support individuals in utilizing their money
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Creating an ecosystem for co-creation |
Provide venues for co-creation
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Innovate workstyles and organizations
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Promote social experiments through business activities
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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.
Themes | Priority Measures | 2030 Impact KPIs | Financial Value |
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Creating a future for future generations together |
Help realize a carbon-neutral society
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Reduction of CO2Over 1 million tons
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Over ¥680 billion in transactions
Lifetime Value (LTV): Over ¥90 billion |
Innovate for sustainable consumption and living
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Users participating in "innovation in sustainable consumption and living"Over 1 million people
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Companies offering options for "innovation in sustainable consumption and living"Over 1,000 companies
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Support future generations to "create businesses"
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Investment in future generation entrepreneursOver 100 cases
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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
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Over ¥1.3 trillion in transactions
LTV: Over ¥200 billion |
Companies supporting interests, personalities, and healthOver 200 companies
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Support individuals in utilizing their money
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Domestic and overseas young people and other users of financial servicesOver 10 million people
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Over ¥3.5 trillion in transactions
LTV: Over ¥250 billion |
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Supportive investment through co-creative partnersOver 20 countries worldwide
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Creating an ecosystem for co-creation |
Provide venues for co-creation
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Number of occasions for co-creationOver 500 times
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Internal rate of return:Over 10%
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Companies that create opportunities for co-creationOver 350 companies
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Participants in the ecosystem for co-creationOver 10,000 people
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Innovate workstyles and organizations
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Percentage of employees who are highly engaged75%
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Percentage of employees who are able to easily enter a state of flow60%
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Percentage of employees who are making use of their interests in their work75%
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Promote social experiments through business activities
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Number of social experiments30 cases
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Number of innovations created20 cases
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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.

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.
