Introduction

Message from thePresident & CEO

Value Creation Story Business Strategies

Financial Strategy

Strategy to EnhanceNon-financial Capital

Governance

Data Section

The Vision of the Mitsubishi HC Capital Group
Basic Management Policy
Our Mission–Our long-term goal–

Contribute to a prosperous and sustainable future by creatingsocial value through maximizing the potential of assets.

Our Vision

Materiality (Material Issues)
Against a backdrop of megatrends such as climatechange driven by global warming, population growth,urbanization, and scarcity of resources, not only ourpersonal lives but also social environments have been
drastically changing worldwide. Under such circumstances, companies are expected to make efforts tosolve numerous issues, such as promoting a decarbonized society and building a circular economy.
Mitsubishi HC Capital has identified the following six
materiality (material issues) as priority key challenges
that must be addressed to achieve sustainable development of the Mitsubishi HC Capital Group. We identified

materiality through the following three processes: (1)Developed a comprehensive list of ESG challenges
based on ISO 26000, the Sustainable DevelopmentGoals) SDGs and related international guidelines andprinciples, and identified candidates based on theirimportance in terms of both opportunities and risks tothe Companyʼs business, (2) Confirmed the expectations
and requirements of external stakeholders, including key
customers and shareholders, to narrow down the candidates, and (3) Identified materiality after discussions of
the Sustainability Committee, Executive Committee andthe Board of Directors.

Please refer to our website for details.
https://www.mitsubishi-hc-capital.com/english/sustainability/materiality.html–Objectives to achieve our long-term goal–▶ Solve social issues by developing unique and progressive businesses with consideration for the global

Materiality

Why the Group Treats as Highly Material Challenges

Promote aDecarbonizedSocietyEfforts to realize a decarbonized society have been globally recognized as anurgent issue and the Group can significantly contribute to solving this challenge through its services and solutions, such as renewable energy investment and EV promotion. It is quite a few impact on but is significant for theGroup to distinct its business from the business not solving social issues.

Realize the CircularEconomy

The Group aims to contribute to creating a circular economy by reducing
waste, not only in the Group but also within society through maximizing thepotential of assets as a leading company in the leasing industry. The Group
treats this challenge as material. The Group can also contribute to realizing asustainable and prosperous society through strengthening the collaboration
between partners.

Establish Resilient
Social Infrastructure

Large parts of the infrastructure within Japan needs to be repaired. The Groupalso recognizes the business has huge potential opportunities to support thedevelopment of infrastructure in overseas countries with active collaboration
between various partners and create a smart city. The Group will contribute to
the business being diversified, enhanced and efficient through establishing
the system and providing services for supporting the collaboration of various
companies.

Realize HealthyLifestyles that
Promote Positive
Wellbeing

It is vital for its stakeholders that the Group recognizes the importance of
health, safety, mental and physical wellbeing for realizing the prosperous
future. Valuable human resources are key. Personal development and attraction and retention of talent is significant for the Group members.

Create Businesses
Utilizing the LatestTechnologies

Both financing for the purpose of digital transformation of customers andproviding solution by internal and external digital technologies urge todevelop new business models. Including establishing supply chain withutilizing with new alternative energies, the Group identifies material one as theopportunity.

Collaborate with
Partners Locally andGloballySocial issues differ by countries and regions. It is significant that the Groupaims to solve these issues by collaborating with local partners to ensure theGroup is meeting individual needs through local community-based communication. The Group can realize mutual benefits in developing society by utilizing the integrated capability in the Group.

Relationto SDGsenvironment.
▶ Aim for sustainable growth through value co-creation with diverse stakeholders across the globe.
▶ Enhance corporate value by evolving our business model through utilizing digital technology and data.
▶ Foster an “open, creative and engaging” corporate culture that shapes each and every employeeʼsmotivation and pride.
▶ Aim to be a trusted company by complying with laws and regulations, as well as implementing ethicalcorporate management.

Action Principles–“Values and mindset to be held” and“actions to be taken” by each and every employee–

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Challenge

Challenge ourselves to look forward to the future with a sense of responsibility
and commitment.

DigitalDrive digital innovation and expertise.

Communication

Communicate openly and honestly to build mutual understanding and trust.

Diversity

Embrace diversity and respect each other.

Sustainability

Act in harmony with people, society and the earth to create a sustainable world.

Integrity

Maintain the highest standards of ethics and integrity.

MITSUBISHI HC CAPITAL INTEGRATED REPORT 2023

MITSUBISHI HC CAPITAL INTEGRATED REPORT 2023

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