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Annual Reportは、ごうぎんの決算や活動内容にて海外の皆様に知っていただくために作成しています

Enhance earnings growth drivenby relationship bankingBoost added value for corporate clients1. Establish a business model that provides support for companies2. Upgrade our skills and actively take risksMake lives richer for retail customers3. Strengthen our ability to propose asset management services(link up with securities subsidiary)4. Accelerate growth in the credit card business5. Step up initiatives in loans to individualsSupport to regenerateregional areas Revitalize local economiesStrengthen securities investment Diversify securities investmentReinforce the operating base1. Revitalize operations and boost employee satisfaction2. Reassign strategic personnel3. Increase convenience for customers and boost operational efficiency4. Reinforce internal management systems5. Reinforce cooperation across the Group6. Implement an appropriate capital policy and return profits toshareholdersImplement CSR Implement social and environmental programs■ Performance Targets■ Key InitiativesItem FY2015 Results Final year (FY2017)Targets1. Net core banking profit ¥24.2 billion ¥27.0 billion or more2. Net income ¥13.2 billion ¥15.0 billion or more3. Fees and commissions ¥6.5 billion ¥8.4 billion or more4. Fee and commission ratio(gross core banking profit base) 10.67% 12.5% or higher5. OHR(gross core banking profit base) 60.40% Less than 60%6. ROE(ROE (average balance of net asset basis))3.85%(4.77%)4.3% or higher(5.0% or higher)7. Capital adequacy ratio 14.82% Approx. 15%ProfitabilitybenchmarksEfficiency benchmarkCapital efficiencyindicatorFinancialhealth benchmark*All figures on a non-consolidated basis5