What's “Pentagon Management of Financial Services”?

1. Our financial ecosystem consists of five core businesses among our financial services: Securities, Banking, Non-life Insurance, Life Insurance(*1) and Settlement Services.

2. Create synergies by mutually linking core businesses to provoke exponential growth for the entire Group.

3. Focusing on each core business, we will allocate affiliated companies and businesses that possess core business support functions, and aggressively pursue synergy effects with each core business in order to differentiate ourselves from our competitors, thereby promoting exponential growth in each core business.

4. The face-to-face channels, such as SBI Money Plaza, will be expanded across Japan(※2), to serve as an infrastructure business that will propel growth in the five core businesses and advance the fusion of the online and face-to-face services. This will enable the organization to provide, on a neutral basis, comparably superior products to customers whether inside or outside of the Group, so that the SBIH Group may become Japan's largest financial product distributor. SBI Money Plaza started preparation to establish “consulting counter” by accountants and financial planners

5. By introducing the systems and know-how of our core businesses accumulated in Japan in tandem with the economic development of the emerging countries, SBIH will be positioned to promote the development of the financial services business in those countries.

(*1) Already started preparations to re-enter the life insurance business in a year or year and a half
(*2) We plans to reach a Group total of 200 shops by early FY 2010