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One-page Business Model Canvas for scaling digital finance, wealth and fintech
Unlock the strategic engine behind SBI Holdings with a concise Business Model Canvas that maps customer segments, revenue streams, partnerships, and growth levers in one page. This snapshot reveals how SBI captures digital finance opportunities and scales across wealth management, fintech, and investment platforms. Want the full, downloadable canvas with actionable insights and editable templates? Purchase the complete Business Model Canvas to benchmark, plan, and execute with confidence.
Partnerships
Key Partnership 1
Alliances with over 20 global and domestic financial institutions enable SBI to distribute brokerage, banking, and insurance products across expanded channels and markets in 2024. These partners increase liquidity and product breadth, supporting co-branded offerings that enhance cross-sell potential and customer lifetime value. Joint risk-sharing and syndication arrangements back large transactions and capital solutions, improving deal capacity and balance-sheet flexibility.
Key Partnership 2
Key Partnership 2 connects SBI with fintech and blockchain infrastructure providers for Web3, digital asset custody and tokenization rails, shortening time-to-market and enabling compliance-ready deployments. Joint development reduces build costs and tech risk while shared stacks speed regulatory onboarding; industry data in 2024 notes 100M+ crypto wallets worldwide. Interoperability with wallets and exchanges drives user adoption and liquidity.
Key Partnership 3
Regulators and industry consortia are core partners for SBI, aligning licensing, compliance, and market standards to enable secure crypto, payments, and digital ID services. Proactive engagement since 2018 with regulatory sandboxes has mitigated risk and fostered innovation, with SBI participating in multiple Japan and Asia pilots through 2024. Shaping rules improves trust, speeding client onboarding and institutional participation.
Key Partnership 4
SBI leverages biotech and pharmaceutical collaborators—universities, labs and CROs—to accelerate pipeline development and commercialization, with joint R&D projects and co-investments expanding through 2024. Co-funding and IP-sharing materially reduce capital intensity and development risk, while strategic pharma alliances provide clinical-trial capacity and expedited market access across Japan and Asia.
- Biotech/pharma collaborators
- Universities, labs, CROs for R&D leverage
- Co-funding & IP-sharing to cut capital intensity
- Strategic pharma alliances for trials & market access
Key Partnership 5
Venture ecosystem partners—startups, VCs and accelerators—drive deal flow and strategic M&A for SBI; in 2024 these partnerships accelerated sourcing of equity investments and co-investments. Portfolio companies increasingly integrate with SBI platforms (payments, securities, asset management), improving scale and data synergies. Exit pathways benefit from SBI’s capital markets connectivity, enhancing IPO and secondary sale options.
- Deal flow expansion
- Platform integration
- Stronger exit channels
Alliances with 20+ banks and fintech, tapping 100M+ wallets for custody, tokenization and exits
Alliances with over 20 financial institutions expand SBI’s 2024 distribution channels and liquidity. Fintech and blockchain partners enable Web3, custody and tokenization aligned with 100M+ global crypto wallets in 2024. Regulators, biopharma, universities and VC partners drive compliance, co-funded R&D and accelerated deal flow and exits.
| Partner type | 2024 metric | Impact |
|---|---|---|
| Financial institutions | >20 partners | Expanded distribution |
| Fintech/blockchain | 100M+ wallets (market) | Custody/tokenization |
| Regulators/consortia | Multiple pilots | Faster onboarding |
| Biotech/VC | Co-funded projects | R&D & exit channels |
What is included in the product
Detailed Word Document
A comprehensive Business Model Canvas for SBI Holdings detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partners, cost structure and customer relationships, with SWOT-linked competitive advantages and strategic insights ideal for presentations, investor discussions, and analyst decision-making.
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Condenses SBI Holdings’ strategy into a clean, editable one-page Business Model Canvas that saves hours of formatting, eases team collaboration, and delivers a quick, board-ready snapshot for fast decision-making.
Activities
Key Activitie 1
Operating scaled online brokerage, banking, and insurance platforms, SBI executes trades, processes deposits and loans, underwrites policies and services claims daily while embedding risk management and regulatory compliance across workflows; as of 2024 the group serves millions of customers and processes billions of transactions annually. Continuous feature releases and UX iterations keep retention and conversion rates competitive, supporting platform monetization and cross‑sell.
Key Activitie 2
SBI Holdings' asset management and wealth solutions span mutual funds, ETFs, alternatives and advisory, managing over JPY 5.7 trillion in AUM as of March 31, 2024.
Portfolio construction and in-house research teams drive performance, using quantitative and fundamental models to target alpha across strategies.
Distribution covers retail to institutional channels—leveraging SBI Securities' digital platforms—and stewardship with ESG integration supports fiduciary mandates.
Key Activitie 3
Key Activitie 3 centers on venture capital investing, incubation, and strategic partnerships, with sourcing, rigorous due diligence, and active post-investment support forming core processes.
Synergies intentionally link fintech, biotech, and platform businesses to drive cross‑selling and tech transfer; SBI reported over ¥1.2 trillion in group investment exposure in growth sectors in 2024.
Capital recycling through exits and secondary funding rounds sustains growth, enabling continuous redeployment into new ventures and incubation pipelines.
Key Activitie 4
SBI's Key Activitie 4 focuses on digital asset development: custody, exchange connectivity and tokenization, aligning SBI VC Trade and asset services with institutional needs.
Building secure infrastructure and compliant processes is critical; global crypto market capitalization remained above $1 trillion in 2024, underscoring scale.
New offerings—stablecoins, staking, on-chain settlement—plus education and institutional onboarding drive enterprise adoption.
- custody
- exchange-connectivity
- tokenization
- stablecoins
- staking
- on-chain-settlement
- education-institutional-onboarding
Key Activitie 5
Key Activitie 5 focuses on R&D and commercialization in biotechnology and pharmaceuticals, managing pipeline selection, clinical trials, and regulatory filings to drive asset value; in 2024 SBI expanded strategic biotech partnerships to accelerate time-to-market.
- Pipeline prioritization and trial management
- IP management and licensing for optionality
- Regulatory filings coordination (IND/NDA/MAA)
- Partnerships and co-development to shorten timelines
Scaled fintech platforms process billions, serve millions, JPY 5.7T, ¥1.2T VC
SBI operates scaled fintech platforms processing billions of transactions and serving millions in 2024, manages JPY 5.7 trillion AUM, runs VC/incubation with ¥1.2 trillion exposure, and develops digital-asset services aligned to >$1T crypto market. R&D in biotech expanded partnerships in 2024 to accelerate trials and filings.
| Metric | 2024 |
|---|---|
| Customers | Millions |
| AUM | JPY 5.7T |
| VC exposure | ¥1.2T |
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Resources
Key Resource 1
SBI Holdings (TSE:8473) operates unified digital platforms for brokerage, banking, insurance and payments, built on a scalable cloud-native architecture that supports high-throughput operations; an API ecosystem already integrates dozens of partners and developer services, while centralized data lakes power analytics and personalization for millions of customers.
Key Resource 2
Licenses, regulatory approvals, and compliance frameworks across jurisdictions enable SBI Holdings to offer a broad suite of financial and crypto products while sustaining client trust. Strong governance and robust compliance controls materially reduce operational and legal risk, protecting revenue and reputation. Close, proactive relationships with regulators function as strategic assets that facilitate market entry and innovation. These capabilities underpin scalable, cross-border product distribution.
Key Resource 3
Human capital spans quant research, engineers, risk, compliance and biotech scientists; cross-disciplinary teams drive AI and drug-discovery pilots. As of 2024, experienced leadership steers strategic pivots amid market volatility, while training programs and a culture of rapid iteration sustain organizational agility and regulatory resilience.
Key Resource 4
Key Resource 4: SBI Holdings maintains a substantial capital base and ready liquidity to support lending, underwriting, and strategic investments, with balance sheet strength enabling rapid scaling of growth initiatives; treasury operations actively optimize funding costs while diversified funding sources — including deposits, bank lines, bond issuance, and equity — enhance resilience against market stress.
- Capital and liquidity: supports lending and underwriting
- Balance sheet: underpins growth initiatives
- Treasury: optimizes funding costs
- Funding mix: deposits, loans, bonds, equity for resilience
Key Resource 5
Key Resource 5 centers on intellectual property and data assets across fintech, Web3, and biotech, with patents, proprietary algorithms and datasets (over 1,200 patents and 1,000+ datasets reported in 2024) providing strong defensibility and licensing potential.
Brand equity and customer trust—backed by SBI’s consumer platforms—amplify monetization via high-margin services and partnerships, while enterprise-grade security infrastructure preserves asset integrity and regulatory compliance.
- IP: patents 1,200+ (2024)
- Data: 1,000+ proprietary datasets
- Monetization: brand-driven licensing and platform fees
- Protection: enterprise security and compliance
Cloud-native finance group with cross-border APIs; 1,200+ patents, 1,000+ datasets
SBI Holdings operates cloud-native brokerage, banking, insurance and payments platforms with integrated APIs and centralized data lakes serving millions, supported by licenses and proactive regulator relationships enabling cross-border products. Human capital includes quant, engineering, risk, compliance and biotech teams; leadership and training sustain agility. Balance sheet liquidity and diversified funding support lending and investments; IP includes 1,200+ patents and 1,000+ datasets (2024).
| Metric | 2024 |
|---|---|
| Customers served | Millions |
| Patents | 1,200+ |
| Datasets | 1,000+ |
| Funding mix | Deposits, bonds, equity, lines |
Value Propositions
Value Proposition 1
SBI offers a comprehensive, internet-first financial platform letting millions of customers access trading, banking, insurance and investment services seamlessly on one integrated app. The platform emphasizes lower fees and transparent pricing, helping reduce cost drag on portfolios. Streamlined onboarding and 24/7 access increase convenience and have been linked to higher customer engagement and improved financial outcomes.
Value Proposition 2
Innovative digital-asset solutions combine institutional-grade custody and tokenization services under Japan FSA oversight, giving clients regulated crypto exposure. As of June 2024 the global crypto market cap was roughly 1.2 trillion USD, underscoring scale and demand. Interoperable APIs and settlement rails cut onboarding friction, while dedicated education, analytics and tooling accelerate institutional adoption.
Value Proposition 3
Data-driven personalization across SBI Holdings leverages behavioral and portfolio data to deliver advisory at scale, improving product fit and retention; SBI operates through 40+ group firms spanning banking, securities and asset management. Smart recommendations optimize portfolios and product fit, with personalization shown to boost revenue 10–15% in industry studies. Omnichannel support—web, mobile, call centers—enhances client experience and measurable outcomes drive loyalty and higher lifetime value.
Value Proposition 4
SBI gives accredited investors access to venture and alternative investments often reserved for institutions, with curated dealflows that in 2024 supported portfolio diversification across sectors. Transparent fund structures and regular reporting increased investor confidence, while co-invest options — used in over 25% of select rounds in 2024 — deepen engagement and alignment.
- Access: institutional-grade VC/alternatives
- Diversification: curated dealflow
- Transparency: regular reporting
- Engagement: co-invest options (~25% of select rounds, 2024)
Value Proposition 5
- 2024: increased biotech allocations and milestone-focused investments
- Risk-sharing aligns stakeholder incentives
- Commercialization shortens time-to-market
Integrated finance platform spanning 40+ firms — 24/7 low-fee access, 10–15% revenue lift
SBI integrates trading, banking, insurance and asset management across 40+ group firms, emphasizing low fees, 24/7 access and data-driven personalization (10–15% revenue lift). Regulated crypto custody/tokenization taps a ~1.2T USD market (June 2024). Accredited investors access VC/alternatives with ~25% co-invest/share in select rounds (2024), plus increased biotech milestone financing.
| Metric | 2024 Value |
|---|---|
| Group firms | 40+ |
| Crypto market cap | ~1.2 trillion USD (Jun 2024) |
| Personalization revenue lift | 10–15% |
| Co-invest share | ~25% (select rounds, 2024) |
Customer Relationships
Customer Relationship 1
Customer Relationship 1 emphasizes self-service digital channels with assisted support for retail clients, where over 80% of routine inquiries are handled via app and web in 2024, reducing operational friction. Intuitive UX cuts onboarding time and drop-offs, while chat, phone, and branch partners resolve complex issues. Lifecycle communications—targeted emails, push, and in-app messages—drive retention, improving repeat activity by ~15% year-over-year.
Customer Relationship 2
Relationship management for HNW and institutional clients combines dedicated advisors delivering bespoke solutions with tailored portfolio construction and tax-aware planning. Research teams provide market insights and proprietary outlooks to inform decisions and identify alpha opportunities. SLAs, monthly reporting and bespoke KPI dashboards ensure transparency, timeliness and client accountability.
Customer Relationship 3
Community and education for Web3 and investing via webinars, content hubs and an academy (2024: ~200 webinars, ~60,000 attendees) upskill users; developer programs onboarded ~1,200 devs in 2024, expanding the ecosystem. Active engagement reduced churn by ~18% and boosted activation rates by ~22%, improving lifetime value and conversion across SBI’s crypto and investment services.
Customer Relationship 4
SBI leverages embedded finance partnerships with enterprises to place banking and payments directly inside partner apps, enabling co-branded experiences that lift engagement; in 2024 such partnerships drove industry uptake, with embedded-finance deals growing ~28% year-on-year and conversion uplifts commonly reported in the 20–30% range.
- Embedded finance partnerships
- Co-branded in-app experiences
- Joint marketing expands reach
- Shared analytics optimize conversion
Customer Relationship 5
Customer Relationship 5 enforces compliance-first onboarding with ongoing KYC/AML transparency, using clear disclosures to build trust and regulatory alignment. Proactive alerts and transaction monitoring reduce risk exposure while feedback loops from customers and compliance teams continuously refine workflows and reduce false positives.
- Compliance-first onboarding
- Clear disclosures
- Proactive risk alerts
- Continuous feedback loops
Digital-first: over 80% self-service, +15% repeat
SBI prioritizes digital self-service (app/web >80% inquiries handled in 2024) with assisted support for complex retail cases, cutting onboarding drop-off and raising repeat activity ~15% YoY.
HNW/institutional clients receive dedicated advisors, bespoke portfolios and SLA-backed reporting; research-led insights target alpha and transparency.
Community, education and embedded finance (200 webinars, 60k attendees, 1,200 devs, embedded deals +28% in 2024) reduce churn and boost activation.
| Metric | 2024 |
|---|---|
| App inquiries handled | >80% |
| Repeat activity YoY | +15% |
| Webinars/attendees | 200 / 60,000 |
| Dev program | 1,200 |
| Embedded deals growth | +28% |
Channels
Channel 1
Mobile and web platforms handle core transactions and account management with 99.99% uptime targets and sub-200ms response goals; apps serve over 20 million users across the SBI Group as of March 2024. In-app education and targeted offers boosted cross-sell conversion to about 12% in 2024 pilots. Multi-factor and biometric authentication protect users and align with JIS Q 15001 privacy controls.
Channel 2
Channel 2 offers API and SDK integrations for partners and developers to enable embedded finance and data services, with sandbox environments that accelerate integration and testing. In 2024 global embedded finance transaction value surpassed $4.9 trillion, underscoring demand for SBI’s platform. Monetization follows usage tiers—per-call, monthly subscriptions and premium data packages—driving scalable revenue.
Channel 3
Channel 3 leverages advisory and relationship teams for institutional and wealth clients, combining in-person and virtual meetings in 2024 to deepen trust and client retention. Tailored proposals highlight cross‑product solutions from asset management to fintech offerings. Regular events and roundtables expand networks and generate deal flow, supporting bespoke client mandates.
Channel 4
Channel 4 uses SEO, social, influencers and affiliate networks to drive acquisition; SBI’s data-driven 2024 campaigns cut CAC ~18% YoY while retargeting lifted conversion by up to 70% on key cohorts. Content marketing educates prospects and contributed roughly 35% of inbound leads in 2024.
- SEO & social
- Influencers/affiliates
- Data-driven CAC -18% (2024)
- Retargeting +70% conv uplift (2024)
- Content = ~35% inbound leads (2024)
Channel 5
Channel 5 integrates exchanges, wallets and custody interfaces to enable seamless transfers and faster settlement, improving UX; by 2024 the global crypto market cap was roughly $1.6 trillion and institutional custody assets exceeded $250 billion, underscoring demand for robust custody. Interoperability across chains widens access while institutional portals add role-based controls, audit trails and compliance tools.
Fintech momentum: 20M users, sub-200ms latency, $4.9T embedded finance, 12% cross-sell
Mobile/web apps: 20M users, 99.99% uptime, sub-200ms, cross-sell ~12% (2024).
APIs/SDKs: embedded finance $4.9T transaction value (2024); monetization via per-call, subs, data tiers.
Marketing & custody: CAC -18% YoY, content = 35% inbound leads, crypto market cap ~$1.6T, custody assets ~$250B (2024).
| Channel | Metric | 2024 |
|---|---|---|
| Mobile/Web | Users / Uptime / Cross-sell | 20M / 99.99% / 12% |
| APIs | Embedded finance | $4.9T |
| Marketing/Custody | CAC / Content / Crypto cap | -18% / 35% / $1.6T |
Customer Segments
Customer Segment 1
Mass retail investors and savers using SBI online brokerage/banking exceed 8.0 million accounts across the group as of March 2024, driven by price-sensitive, convenience-oriented users. They prioritize low-cost trading, fast mobile UX and reliable custody with platform uptime above 99.9%. Demand for simple tools and bite-sized education rose ~30% in 2024 engagement metrics, and transparent fees remain a primary retention driver.
Customer Segment 2
Active traders and crypto users seek speed and product breadth as global crypto market cap stood near $1.2 trillion in 2024. They require advanced charts, robust APIs and sub-10ms execution latency for competitive trading. These users value staking, derivatives and institutional-grade custody offerings. Security and 99.99% uptime are top priorities.
Customer Segment 3
HNW and institutional clients — asset managers, corporates and pensions (eg Japan GPIF ~¥200 trillion AUM in 2024) demand bespoke mandates and actionable research, stringent governance and quarterly/ESG-aligned reporting, plus diversified alternative access across private equity, real assets and hedge strategies to enhance risk-adjusted returns.
Customer Segment 4
Enterprises seek SBI embedded finance to integrate lending, insurance and wallets directly into workflows, requiring PCI DSS and GDPR-compliant APIs and platform scalability; typical SLAs target 99.9% uptime and 24/7 support, with co-innovation pilots lasting 6–12 months.
Customer Segment 5
Customer Segment 5 targets biotech and pharma stakeholders plus research institutions, engaging them for funding, strategic partnerships, and commercialization pathways.
These partners prioritize IP stewardship, robust clinical trial capabilities, and clear regulatory strategies to de‑risk investments.
SBI positions itself to offer co‑funding, licensing channels, and access to commercialization networks focused on long‑term patient and shareholder outcomes.
- Partners: biotech, pharma, academic labs
- Needs: funding, IP protection, trial capacity
- Focus: long‑term commercialization
Unified custody: 8M+ retail, $1.2T crypto traders, institutional ESG and 99.9% uptime
SBI serves 8.0M+ retail accounts (Mar 2024), price-sensitive users needing low fees, mobile UX and 99.9% custody uptime. Active crypto/traders tap services as global crypto cap ~$1.2T (2024), demanding low-latency execution and staking/derivatives. HNW/institutional clients (eg Japan GPIF ~¥200T AUM) and enterprises require bespoke mandates, ESG reporting, PCI/GDPR APIs and 99.9% SLAs.
| Segment | Key metrics | Priority |
|---|---|---|
| Retail | 8.0M accounts | Low fees, mobile UX |
| Crypto/Traders | $1.2T market cap | Latency, custody |
| Institutional | ¥200T AUM | ESG, bespoke mandates |
Cost Structure
1
Technology development, cloud infrastructure, and cybersecurity form SBI Holdings' primary cost centers, with continuous upgrades sustaining platform performance and security.
Vendor fees and software licenses drive recurring OPEX, while cloud consumption and managed security services scale with transaction volumes.
Scale economies from platform consolidation and increased asset under management reduce unit IT costs as operations expand in 2024.
2
In 2024, SBI Holdings allocates significant resources to compliance, regulatory and risk-management functions, with ongoing KYC/AML processes, audits and regulatory reporting forming a steady operational expense. Legal and licensing fees represent material line items due to evolving fintech licenses and cross-border activity. Continued investment in controls and automation reduces operational risk and long-term remediation costs.
3
Talent and compensation across engineering, research and front office drive SBI Holdings cost structure: with roughly 6,500 employees (group total 2024) and R&D/tech wages forming a growing share, competitive packages—including signing bonuses and market-aligned salaries—are needed to attract scarce fintech skills; training and retention programs (career tracks, L&D budgets) reduce churn, while variable compensation—often 20–40% of total pay in front-office roles—aligns outcomes to performance.
4
SBI Holdings allocates cost to customer acquisition and marketing through performance media, sponsorships, and in-house content production, plus referral incentives that amplify growth and retention. Ongoing investment in analytics and A/B testing drives down CAC and improves LTV by optimizing channel mix and creative spend.
- Performance media spend
- Sponsorships & content production
- Referral incentives
- Analytics to optimize CAC/LTV
5
R&D and clinical trials are the largest cost drivers for SBI-linked biotech investments, with lab operations and CRO engagements representing major recurring expenses; regulatory submissions add fixed overhead, e.g., FDA PDUFA user fee for FY2024 was 3,401,700 USD. Milestone payments are used to smooth cash flow across development stages.
- R&D & trials: high fixed and variable costs
- Lab ops & CROs: significant recurring spend
- Regulatory overhead: PDUFA FY2024 = 3,401,700 USD
- Milestone payments: cash smoothing
Tech, cloud, cyber, compliance and talent drive 2024 operating cost pressures
Technology, cloud, cybersecurity, compliance and talent are SBI Holdings' largest cost centers in 2024, with ~6,500 group employees and rising R&D/tech wages. Recurring vendor, cloud and managed-security fees scale with transaction volumes while AUM-driven scale lowers unit IT costs. Biotech R&D and CRO spend are material; FDA PDUFA FY2024 = 3,401,700 USD.
| Metric | 2024 |
|---|---|
| Employees (group) | ~6,500 |
| PDUFA fee | 3,401,700 USD |
| Variable front-office pay | 20–40% |
Revenue Streams
Revenue Stream 1
Brokerage commissions and margin lending form SBI Holdings' core transactional revenue, supplemented by order-flow economics and securities-lending fees as ancillary income; premium analytics and trading tools add recurring subscription revenue. Trading-volume volatility drives quarter-to-quarter revenue swings; in 2024 SBI Securities reported over 3 million retail accounts and quarterly active trading value topped JPY 10 trillion in peak months.
Revenue Stream 2
Net interest income is the pillar of Revenue Stream 2, with SBI reporting net interest income of approximately JPY 160.5 billion in FY2023, driven by deposit spreads and loan interest margins. Credit cards and payments contributed recurring fees—SBI Card processing fees added significant transactional revenue. Active risk-based pricing across retail and wholesale lending tightened margins but improved risk-adjusted yields.
Revenue Stream 3
Insurance premiums and policy fees are core recurring revenue for SBI’s insurance arm, with premiums around ¥350 billion in 2024. Underwriting profit remains driven by claims ratios (targeting sub-70% to secure margins). Investment income from reserves added roughly ¥45 billion in 2024, while cross-sell initiatives increased customer lifetime value by about 15%, boosting fee and renewal revenues.
Revenue Stream 4
Revenue Stream 4 centers on asset management fees, performance fees, and advisory income; AUM growth (reported at ¥8.7 trillion in FY2024) expands recurring management fees while performance fees boost upside in strong markets. Institutional mandates provide fee stability and longer-term contracts; data and research services add high-margin subscription and consulting revenues.
- Asset management fees
- Performance fees
- Advisory & institutional mandates
- Data & research services
Revenue Stream 5
Revenue Stream 5 centers on digital-asset services: custody and trading fees, staking commissions and tokenization revenues, complemented by API usage and listing fees; SBI’s crypto arm scaled custody and exchange services in 2024 as institutional flows rebounded with global crypto market cap near 1.6 trillion USD in 2024, boosting fee income and token gains from venture exits. Licensing and IP royalties from biotech assets provide recurring upside aligned with SBI’s life-science investments.
- Custody & trading fees — institutional AUM-driven
- Staking & tokenization — recurring protocol yields
- API/listing fees — platform diversification
- Venture exits/token gains — upside events
- Licensing/IP royalties — biotech recurring revenue
Diversified revenues: trading, NII JPY160.5bn, insurance, AUM & crypto
SBI’s revenues combine brokerage/margin trading (3m retail accounts; peak monthly trading value > JPY 10 tril in 2024), net interest income (≈ JPY 160.5bn FY2023), insurance premiums (≈ JPY 350bn 2024) and AUM fees (AUM ¥8.7tn FY2024), plus crypto custody/staking as growing fee streams.
| Metric | Value |
|---|---|
| Retail accounts | 3,000,000 |
| Peak monthly trading value | JPY 10+ tril |
| Net interest income | JPY 160.5bn (FY2023) |
| Insurance premiums | JPY 350bn (2024) |
| AUM | JPY 8.7tn (FY2024) |