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Activating financial assets in Japan

Due to trends in the social environment toward lower birthrates and demographic aging of the population as well as the arrival of an era of a shrinking population and the emergence of negative interest rates, the importance of asset management in asset building is expected to rise going forward.

Mizuho offers products and services to accelerate the shift "from savings to investment/asset formation" and provides support for the medium– to long–term asset building of its customers.

Offering services to meet customers' medium– to long–term asset formation needs

At Asset Management One, we make good use of investment know–how cultivated in pension business, and provide investment trusts that meet the medium– to long–term asset building needs of our customers.

For example, in a diversified fund with exposure to a total of eight Japanese and overseas assets, we respond to customer needs by making flexible changes in our portfolio in keeping with the market environment. Thereby, we avoid major losses due to sudden movements in the market and aim for stable returns in the medium– to long–term.

Also, for banks, securities companies, and other intermediaries that market our funds and act as the interface with customers, we make use of our marketing system, which is the largest in Japan as we also work to upgrade the content of our investment education programs and websites to deepen our customers' understanding of asset management. Through these activities, which raise sales capabilities and promote further development of marketing personnel in our fund marketing network and provide them with support, we take the initiative in working to raise the level of understanding among customers, who are ultimately the target investors and deepen their understanding of the necessity for asset formation as well as asset management methods.

Through continuing these initiatives, we will drive the shift from savings to investment/asset formation and contribute to activating Japan's financial assets.

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Promoting use of the NISA system

The Nippon Individual Savings Accounts (NISA) system was introduced as an effective asset building scheme to stimulate interest among individuals who have little experience in investing, first among the younger generations. Mizuho Bank and Mizuho Securities are offering asset building proposals that include NISAs, and among these are Junior NISAs that are useful in promoting asset building for the future of children.

In addition, in January 2018, Mizuho began to handle cumulative investment programs through NISAs, and is promoting these products, which are suited to the needs of customers who want to make small but active contributions within the limits of their budgets in NISA schemes.

On the service front, Mizuho provides services that aim to get customers more interested in investing, such as Payroll Deduction NISAs, which gives customers the option to build up their investments through automatic payroll deductions at their employer.

On the investment information front, Mizuho Bank and Mizuho Securities proactively hold seminars and consultation sessions that are attended by a large number of customers. Thanks to these initiatives, as of March 31, 2018, Mizuho Bank and Mizuho Securities have received a combined 650,000 or so applications to open NISAs and have opened about 26,000 periodic contribution NISA accounts.

Mizuho will continue to help its customers accumulate assets while invigorating the domestic finance sector by proactively promoting the use of NISA system.

Initiatives to expand our customer base for iDeCo (Individual Defined Contribution Pension) accounts

iDeCo accounts are private pension plans that allow individuals to make contributions to their pension assets, in addition to contributions made through public pension systems. This pension system is well–suited to individuals interested in medium– to long–term formation of self-managed assets for seniors.

Mizuho Bank, as an institution offering and promoting related asset management and administration services as a DC provider, is actively promoting these pension accounts.

Special strengths of the iDeCo related services offered by Mizuho Bank include a lineup of investment trusts with low management costs. In addition, by using the SMART FOLIO DC management support service offered by Mizuho Bank, individual customers for these accounts can easily diagnose and select a portfolio of investments that are in keeping with their risk appetites. To make its services easier to use, even for persons new to investing, Mizuho Bank is endeavoring to enhance the convenience of its service offerings.

Going forward, Mizuho will work to expand its base of customers working to build their assets balances through its initiatives in the iDeCo field and, thereby contribute to activating financial asset flows in Japan.

SMART FOLIO (Robo–Advisor)

This service is provided over the Internet and gives suggestions for investment trust portfolios based on customers' risk appetite for free of charge. For customers who use Mizuho Direct, the SMART FOLIO service has value–added functions that aim to help customers reach their investment objectives through goal approach analyses, and support them to select savings–type insurance products.