Omer Farooq (CFO)
In order to fulfill our social responsibilities as a financial institution and facilitate continuous growth, we are steadily advancing finance structure reforms.
Omer FarooqCFO
We will seek to further increase our corporate value through a persisting focus on growth, profitability, and safety.
Basic Approach
Our approach to financial management centers on ensuring a balance among three key priorities: maintaining sound financial health, promoting investments in growth to transform our business portfolio and ensuring stable returns to shareholders. As for performance indicators, we have adopted debt-to-capital (D/C) ratio1 to gauge financial soundness, return on equity (ROE) to assess capital efficiency, payout ratio to evaluate returns to shareholders, and earnings before interest, taxes, depreciation, and amortization (EBITDA)2 to judge our ability to generate cash and maximize shareholder value.