Mizuho Financial Group, Inc. (MFG): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico das finanças globais, o Mizuho Financial Group, Inc. (MFG) surge como uma potência de inovação estratégica, tecendo juntos a capacidade bancária tradicional com a transformação digital de ponta. Essa lona abrangente de negócios revela como essa gigante financeira japonesa orquestra uma complexa sinfonia de serviços, alavancando parcerias estratégicas, infraestrutura tecnológica avançada e uma profunda compreensão de diversos segmentos de clientes para criar um ecossistema financeiro robusto e adaptativo que transcende os limites bancários convencionais.

Mizuho Financial Group, Inc. (MFG) - Modelo de negócios: Parcerias -chave

Alianças estratégicas com instituições financeiras globais

O Mizuho Financial Group mantém parcerias estratégicas com as seguintes instituições financeiras globais:

Instituição parceira	Tipo de colaboração	Ano estabelecido
Goldman Sachs	Colaboração bancária de investimento	2019
Morgan Stanley	Serviços financeiros transfronteiriços	2017
Banco Industrial e Comercial da China (ICBC)	Aliança Financeira Estratégica	2015

Parcerias com empresas de tecnologia para soluções bancárias digitais

As parcerias tecnológicas da Mizuho se concentram na transformação digital:

• Parceria com a Tata Consultancy Services (TCS) para infraestrutura digital
• Colaboração com dados da NTT para soluções de fintech
• Desenvolvimento de tecnologia conjunta com Hitachi para tecnologias de IA e blockchain

Colaboração com agências governamentais japonesas

Agência governamental	Foco de colaboração	Compromisso de financiamento
Banco Japão de Cooperação Internacional (JBIC)	Financiamento internacional de infraestrutura	¥ 500 bilhões
Ministério da Economia, Comércio e Indústria	Programas de suporte para PME	¥ 250 bilhões

Joint ventures em setores de investimento e bancos corporativos

As principais joint ventures de Mizuho incluem:

• Mizuho Investors Securities Co., Ltd. - Plataforma de investimento corporativo
• Joint venture estratégico com Grupo Blackstone Para investimentos alternativos
• Colaboração bancária corporativa com Sumitomo Mitsui Banking Corporation

Investimento total de parceria a partir de 2024: ¥ 1,2 trilhão

Mizuho Financial Group, Inc. (MFG) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

O Mizuho Financial Group opera uma rede bancária abrangente com 35.576 funcionários e 758 filiais domésticas a partir de 2023. O grupo atende a aproximadamente 51 milhões de clientes no Japão.

Categoria de serviço bancário	Volume de transação	Receita anual
Banco de varejo	¥ 12,3 trilhões	¥ 892 bilhões
Bancos comerciais	¥ 18,7 trilhões	¥ 1,4 trilhão

Operações bancárias de investimento e mercados de capitais

O segmento bancário de investimento da Mizuho gerencia portfólios financeiros significativos e conduz transações globais de mercado.

• Total de ativos bancários de investimento: ¥ 176,8 trilhões
• Volume da transação de mercado global: ¥ 45,6 trilhões
• Número de mercados financeiros internacionais cobertos: 28

Gerenciamento de ativos e consultoria de riqueza

O grupo gerencia ativos substanciais em várias plataformas de investimento.

Categoria de gerenciamento de ativos	Total de ativos sob gestão
Gestão de patrimônio	¥ 58,3 trilhões
Fundos de pensão	¥ 22,7 trilhões
Fundos de investimento corporativo	¥ 36,5 trilhões

Transformação digital e inovação de fintech

Mizuho investe significativamente em infraestrutura tecnológica e soluções bancárias digitais.

• Investimento anual de transformação digital: ¥ 187 bilhões
• Número de plataformas bancárias digitais: 12
• Volume de transação digital: ¥ 8,6 trilhões

Gerenciamento de riscos e monitoramento de conformidade

Estrutura abrangente de gerenciamento de riscos com recursos dedicados.

Métrica de conformidade	Medida quantitativa
Equipe de conformidade	2.345 profissionais
Orçamento anual de conformidade	¥ 76,4 bilhões
Investimento em tecnologia de gerenciamento de risco	¥ 54,2 bilhões

Mizuho Financial Group, Inc. (MFG) - Modelo de negócios: Recursos -chave

Extensa rede de filiais em todo o Japão

A partir de 2023, o Mizuho Financial Group opera:

Tipo de ramificação	Número
Agências bancárias domésticas	724
Locais ATM	4,109
Filiais Internacionais	48

Forte capital financeiro e base de ativos

Métricas financeiras em setembro de 2023:

• Total de ativos: ¥ 187,5 trilhões
• Tier 1 Capital Ratio: 10,83%
• Equidade dos acionistas totais: ¥ 7,01 trilhões

Infraestrutura tecnológica avançada

Investimento em tecnologia	Quantia
Investimento anual de TI	¥ 230 bilhões
Orçamento de transformação digital	¥ 150 bilhões

Força de trabalho qualificada

Estatísticas dos funcionários:

• Total de funcionários: 57.640
• Idade média dos funcionários: 41,2 anos
• Funcionários com certificações financeiras avançadas: 68%

Plataformas bancárias digitais robustas

Métricas bancárias digitais	Número
Usuários bancários móveis	4,2 milhões
Volume de transações online	82 milhões/mês
Plataformas de serviço digital	7 sistemas integrados

Mizuho Financial Group, Inc. (MFG) - Modelo de negócios: proposições de valor

Serviços financeiros abrangentes para diversos segmentos de clientes

O Mizuho Financial Group oferece uma ampla gama de serviços financeiros com a seguinte quebra de segmento:

Segmento de cliente	Serviços oferecidos	Quota de mercado
Clientes corporativos	Banco corporativo	27,3% no mercado de empréstimos corporativos japoneses
Clientes individuais	Bancos pessoais	18,5% de participação no mercado bancário de varejo no Japão
Investidores institucionais	Banco de investimento	22,6% do mercado de serviços de investimento institucional

Soluções bancárias digitais avançadas

Os recursos bancários digitais incluem:

• Plataformas bancárias móveis com 8,7 milhões de usuários ativos
• Volume da transação digital: ¥ 4,2 trilhões anualmente
• Taxa de penetração bancária online: 63,5%

Forte reputação no mercado financeiro japonês

Métricas de posicionamento de mercado:

Métrica	Valor
Total de ativos	¥ 188,5 trilhões
Capitalização de mercado	¥ 5,6 trilhões
Classificação de crédito (S&P)	UM

Estratégias personalizadas de gerenciamento de patrimônio

Ofertas de serviço de gerenciamento de patrimônio:

• Gerenciamento médio de portfólio: ¥ 18,3 milhões por cliente
• Produtos de investimento: 127 instrumentos financeiros exclusivos
• Clientes de consultoria de riqueza: 325.000 indivíduos

Ecossistema financeiro integrado para clientes corporativos e individuais

Métricas de integração do ecossistema:

Integração de serviços	Cobertura
Clientes de produtos cruzados	42,7% da base total de clientes
Integração do Serviço Digital	91,2% das ofertas de produtos
Rede Bancária Internacional	38 países

Mizuho Financial Group, Inc. (MFG) - Modelo de negócios: Relacionamentos do cliente

Gerenciamento de relacionamento personalizado

O Mizuho Financial Group implementa estratégias personalizadas de gerenciamento de relacionamento em seus segmentos de clientes:

Segmento de clientes	Abordagem de gerenciamento de relacionamento	Taxa de engajamento anual
Clientes corporativos	Gerentes de relacionamento dedicados	87.3%
Clientes bancários de varejo	Consulta financeira personalizada	62.5%
Indivíduos de alta rede	Serviços de consultoria premium	93.7%

Suporte ao cliente multicanal

Mizuho fornece suporte abrangente ao cliente por meio de vários canais:

• Suporte telefônico: disponibilidade 24/7
• Chat online: Tempo de resposta abaixo de 3 minutos
• Suporte da filial: 618 ramos físicos no Japão
• Suporte ao aplicativo móvel: 2,4 milhões de usuários ativos

Plataformas de autoatendimento digital

Métricas de plataforma digital para Mizuho Financial Group:

Plataforma	Usuários ativos mensais	Volume de transação
Aplicativo bancário móvel	3,1 milhões	12,6 milhões de transações
Portal bancário online	2,8 milhões	9,4 milhões de transações

Programas de fidelidade para clientes de longo prazo

Detalhes do programa de fidelidade de Mizuho:

• Membros do programa de fidelidade total: 1,5 milhão
• Taxa média de retenção de clientes: 76,4%
• Pontos de recompensa emitidos anualmente: 4,2 bilhões de pontos

Serviços de consultoria financeira personalizada

Redução de serviços de consultoria financeira:

Tipo de serviço de consultoria	Número de clientes atendidos	Receita média anual por cliente
Gestão de patrimônio	127,500	¥ 3,2 milhões
Planejamento de investimentos	95,300	¥ 2,7 milhões
Planejamento de aposentadoria	84,600	¥ 2,1 milhões

Mizuho Financial Group, Inc. (MFG) - Modelo de negócios: canais

Rede de ramificação física

O Mizuho Financial Group opera 812 agências domésticas em todo o Japão a partir de 2023. O banco mantém uma presença física abrangente com:

Tipo de ramificação	Número de ramificações
Filiais bancárias de varejo	612
Filiais bancários corporativos	200

Plataformas bancárias online

A plataforma bancária digital da Mizuho serve 14,5 milhões de usuários bancários on -line ativos no Japão. As principais estatísticas do canal digital incluem:

• 98,3% das transações digitais concluídas através de plataformas online
• Volume médio mensal de transação digital: 3,2 milhões

Aplicativos bancários móveis

Recursos de aplicativos bancários móveis de Mizuho:

Métrica de aplicativo móvel	Estatística
Downloads de aplicativos móveis totais	7,6 milhões
Usuários ativos mensais	5,4 milhões

Infraestrutura de caixas eletrônicos

Mizuho mantém uma extensa rede de caixas eletrônicos com as seguintes especificações:

• Locais totais de atm: 2.734
• ATMS operacionais 24/7: 2.621
• Volume anual de transação ATM: 412 milhões de transações

Gerentes de relacionamento corporativo

Mizuho emprega uma equipe dedicada de gerenciamento de relacionamento corporativo:

Categoria Gerente de Relacionamento	Número de profissionais
Grande segmento corporativo	378
Segmento de mercado intermediário	612
Segmento corporativo internacional	256

Mizuho Financial Group, Inc. (MFG) - Modelo de negócios: segmentos de clientes

Clientes bancários de varejo

O Mizuho Financial Group atende a aproximadamente 55 milhões de clientes bancários de varejo no Japão a partir de 2023. A base de clientes inclui:

• Indivíduos de 20 a 65 anos
• Titulares de contas bancárias pessoais
• Clientes de empréstimos ao consumidor

Categoria de cliente	Número de clientes	Saldo médio da conta
Contas pessoais	38,2 milhões	¥ 3,4 milhões
Clientes de empréstimos ao consumidor	17,8 milhões	¥ 2,1 milhões

Clientes corporativos e institucionais

Mizuho atende 30.000 clientes corporativos e institucionais com ativos totais sob gerenciamento de ienes de 1.678 trilhões em 2023.

• Grandes corporações
• Instituições financeiras
• Entidades governamentais

Tipo de cliente	Número de clientes	Total de ativos gerenciados
Grandes corporações	15,500	¥ 890 trilhões
Instituições financeiras	8,500	¥ 458 trilhões
Entidades governamentais	6,000	¥ 330 trilhões

Pequenas e médias empresas

A Mizuho suporta 250.000 empresas pequenas e médias (PMEs) com serviços financeiros especializados.

• PMEs do setor manufatureiro
• PME da indústria de serviços
• PME de varejo e distribuição

Setor de PME	Número de clientes	Tamanho médio do empréstimo
Fabricação	85,000	¥ 42 milhões
Indústria de serviços	95,000	¥ 28 milhões
Varejo/distribuição	70,000	¥ 35 milhões

Indivíduos de alta rede

Mizuho atende a 120.000 indivíduos de alta rede com ativos superiores a 50 milhões de ienes.

• Serviços de gerenciamento de patrimônio
• Soluções bancárias privadas
• Aviso de investimento

Segmento de riqueza	Número de clientes	Valor médio do portfólio
Ultra de alta rede	15,000	¥ 500 milhões
Alta rede	105,000	¥ 80 milhões

Clientes corporativos internacionais

A Mizuho suporta 12.500 clientes corporativos internacionais em 40 países.

• Corporações multinacionais
• Empresas de comércio global
• Instituições Financeiras Internacionais

Tipo de cliente	Número de clientes	Total de transações internacionais
Corporações multinacionais	6,500	¥ 890 bilhões
Empresas comerciais	3,500	¥ 450 bilhões
Instituições Financeiras Internacionais	2,500	¥ 320 bilhões

Mizuho Financial Group, Inc. (MFG) - Modelo de negócios: estrutura de custos

Investimentos de infraestrutura de tecnologia

O Mizuho Financial Group investiu 178,5 bilhões de ienes em infraestrutura de TI e tecnologias digitais no ano fiscal de 2023. A quebra dos investimentos em tecnologia inclui:

Categoria de tecnologia	Valor do investimento (¥ bilhão)
Atualização de sistemas bancários do núcleo	62.3
Aprimoramentos de segurança cibernética	41.7
Infraestrutura de computação em nuvem	34.2
AI e ferramentas de aprendizado de máquina	40.3

Compensação e treinamento de funcionários

O total de despesas de pessoal do Mizuho Financial Group em 2023 foi de ¥ 637,8 bilhões, com a seguinte alocação:

• Salário base: ¥ 452,6 bilhões
• Bônus de desempenho: ¥ 98,3 bilhões
• Treinamento e desenvolvimento: ¥ 16,9 bilhões
• Benefícios dos funcionários: ¥ 70,0 bilhões

Despesas de conformidade regulatória

Os custos relacionados à conformidade para o Mizuho Financial Group no ano fiscal de 2023 totalizaram 93,2 bilhões de ienes, incluindo:

Área de conformidade	Despesa (¥ bilhão)
Sistemas de lavagem de dinheiro	32.5
Relatórios regulatórios	24.7
Infraestrutura de gerenciamento de riscos	36.0

Manutenção da rede de filiais

As despesas operacionais da rede de filiais para 2023 foram de ¥ 112,6 bilhões, com a seguinte distribuição:

• Manutenção do ramo físico: ¥ 67,3 bilhões
• Infraestrutura de tecnologia da filial: ¥ 28,4 bilhões
• Custos da equipe da filial: ¥ 16,9 bilhões

Iniciativas de transformação digital

Os investimentos em transformação digital para o Mizuho Financial Group em 2023 totalizaram 145,7 bilhões de ienes, alocados da seguinte forma:

Iniciativa Digital	Investimento (¥ bilhão)
Plataformas bancárias digitais	58.3
Aplicativos bancários móveis	37.2
Tecnologias de experiência do cliente	50.2

Mizuho Financial Group, Inc. (MFG) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, o Mizuho Financial Group registrou receita de juros líquidos de 1.489,5 bilhões de ienes. A quebra das fontes de renda de juros inclui:

Fonte de interesse	Montante (bilhão de ienes)
Empréstimos e descontos	1,024.3
Valores mobiliários	465.2

Taxas de serviço bancário

As taxas de serviço bancário do Mizuho Financial Group no ano fiscal de 2023 totalizaram 483,7 bilhões de ienes, com os principais segmentos, incluindo:

• Taxas bancárias de varejo: 178,6 bilhões de ienes
• Taxas de serviço bancário corporativo: 305,1 bilhões de ienes

Receitas de gerenciamento de ativos

As receitas de gestão de ativos para o ano fiscal de 2023 foram de 187,5 bilhões de ienes, compreendendo:

Categoria de gerenciamento de ativos	Receita (bilhão de ienes)
Gerenciamento de fundos mútuos	89.3
Gerenciamento de fundos de pensão	98.2

Taxas de transação bancária de investimento

As taxas de transação bancária de investimento para o ano fiscal de 2023 totalizaram 256,8 bilhões de ienes, incluindo:

• Aviso de fusões e aquisições: 112,4 bilhões de ienes
• Serviços de subscrição: 144,4 bilhões de ienes

Câmbio e receita comercial

Câmbio e receita comercial para o ano fiscal de 2023 atingiram 342,6 bilhões de ienes, com a seguinte composição:

Categoria de negociação	Renda (bilhão de ienes)
Comércio de câmbio	215.3
Negociação de valores mobiliários	127.3

Mizuho Financial Group, Inc. (MFG) - Canvas Business Model: Value Propositions

You're looking at the core value Mizuho Financial Group, Inc. (MFG) is delivering to its clients as of late 2025, grounded in their latest reported figures.

Integrated Financial Solutions: Seamless, group-wide services across banking, trust, and securities.

Mizuho Financial Group, Inc. provides a full spectrum of services by integrating its core entities. Mizuho Bank handles deposits, lending, and exchange settlement for everyone from individuals to foreign corporations, while Mizuho Trust & Banking manages trust, real estate, and asset management functions. Mizuho Securities covers the securities side. This integration is key to maximizing customer lifetime value, especially through partnerships.

The group is actively weaving its services into customer ecosystems. For instance, the alliance with Rakuten Group aims to create a new retail model. This is supported by concrete digital offerings:

• Customers earn "Mizuho Points" for salary deposits and daily banking, exchangeable at a rate of 1pt = 1 JPY-a first for a Japanese bank.
• The Mizuho-Rakuten Card settlement volume shows a 3.7x comparison figure.
• The Mizuho Point Mall, launched in April 2025, is the first by a Japanese bank compatible with three major loyalty programs: PayPay points, Rakuten points, and d-points, allowing for interchangeable use with no value loss.

Global CIB Expertise: Sophisticated financing and M&A advisory for large corporates.

Mizuho Financial Group, Inc. aims to be a top 10 global Corporate & Investment Banking (CIB) player and a strategic partner. The integration of Greenhill has been a specific move to bolster M&A advisory capabilities, leveraging increased sector coverage.

Here's a look at the scale and performance in the Global CIB space, based on recent reporting:

Metric	Value/Figure	Context/Date
Mizuho International plc Income from operations	£373.4 million	Fiscal Year Ended March 31, 2025
Mizuho International plc Profit for the year	£7.2 million	Fiscal Year Ended March 31, 2025
Mizuho Bank Loans (as % of Total Assets)	¥94,108,757 million (approx. 33%)	As of March 31, 2025
Mizuho Americas Gross Profits	-JPY 5.6T	FY23-24 (Target: -JPY 6-7T)

The 'Mizuho | Greenhill' platform delivers a full-suite of CIB capabilities across the Americas, EMEA, and APAC.

Hyper-Personalized Digital Experience: Timely, tailored financial recommendations via AI/data.

To compete with digital challengers, Mizuho Financial Group, Inc. is heavily investing in its digital shift. The three megabanks in Japan, including MFG, are reportedly investing over ¥1 trillion in 2025 for digital transformation initiatives.

The value proposition here centers on making banking access and service highly convenient and tailored:

• The online banking app is undergoing revamps for simplicity, including an AI mode option for chat/voice transactions.
• A strategic partnership with beBit, Inc. was launched in March 2025 to match the app's UI/UX to individual users.
• The channel strategy optimizes banking processes into three styles: digital, remote, and face-to-face.

Asset & Wealth Management: Comprehensive support for asset formation and succession in Japan.

Mizuho Financial Group, Inc. is leveraging its vast client base across banking, trust, and securities to grow its asset management business. The ambition is clear: to join the "trillion-dollar club" in asset management within 10 years, targeting $1t (JPY 70t) in Assets Under Management (AUM).

Specific targets and current scale include:

• Hopes to boost private assets from about JPY 4t to JPY 20t.
• Mizuho is cited as having the No.1 AUM among institutions whose main business is banking.
• The group services 370K iDeCo plan participants and 1.54 million DC (Corporate) plan participants.

For context, the affiliate Asset Management One USA Inc. reported regulatory AUM of $7.3 billion as of December 31, 2024.

Sustainable Finance: Green loans, transition finance, and ESG-related advisory services.

Sustainability is integrated into the management strategy, focusing on climate change response and capturing business opportunities through finance and investment. Mizuho Financial Group, Inc. has a firm medium-term goal for sustainable finance.

Key figures related to this commitment include:

• Target to provide JPY 100 trillion in sustainable finance by FY2030.
• Cumulative sustainable finance provided from FY2019 through FY2024 reached JPY 40.3 trillion.
• Environment and climate-related finance for FY2024 (Apr. 2024 - Mar. 2025) stood at JPY 16.0 trillion.
• Mizuho launched 'Avoided Emissions Impact Finance' in October 2025, following the publication of its 'Avoided Emissions Focus Report' in October 2024 and the updated WBCSD guidance in July 2025.

The overall group performance in H1 FY2025 showed ordinary profits of ¥849,626 million and a raised full-year profit attributable to owners estimate to ¥1,130,000 million. Finance: draft 13-week cash view by Friday.

Mizuho Financial Group, Inc. (MFG) - Canvas Business Model: Customer Relationships

You're looking at how Mizuho Financial Group, Inc. (MFG) manages its connections with customers as of late 2025. It's a mix of high-tech digital service and deep, in-person advisory, especially for the corporate side.

Dedicated Consulting: In-person and remote advisory for complex financial needs

Mizuho Financial Group, Inc. is actively reshaping its physical footprint to support high-value interactions. The strategy involves shifting routine transactions to digital channels to transform branches into spaces focused on in-person consulting for customers. Mizuho Atelier is one example of this shift, focusing on consultation services. The group has established clear consulting frameworks, particularly for asset management, detailing processes for selecting investment trust products and subsequent monitoring and review. This commitment to a trusted partner approach is codified in their revised Policies for Customer-oriented Business Conduct, clarified in April 2025. They are definitely prioritizing deep advisory relationships.

Co-creation Model: Innovating with clients on DX and sustainability initiatives

The corporate purpose itself centers on this: 'Proactively innovate together with our clients for a prosperous and sustainable future.' This isn't just talk; it translates into concrete joint efforts. For sustainability, Mizuho Financial Group, Inc. is advancing its JPY 100 trillion sustainable finance target. They presented a 'Grand Design' for the ideal Japanese industrial structure in 2050, which involves co-creating with various industry clients and engaging in cross-industry collaboration to achieve this vision. On the DX front, they are using their embedded finance solution, 'House Coin,' to co-create services. For instance, Mizuho Bank and Panasonic Corporation's Electric Works Company jointly developed 'everiwa wallet,' a dedicated payment service for the 'everiwa Charger Share' EV charging infrastructure sharing platform. This shows a commitment to building new business models alongside clients.

Digital Self-Service: Enhanced UI/UX for routine transactions via mobile and web

To free up staff for that dedicated consulting, the digital experience needs to be seamless. Mizuho Financial Group, Inc. is investing over ¥1 trillion in digital initiatives in 2025 to compete with digital challengers. A key focus is the continuous improvement of the User Interface/User Experience (UI/UX) for the Mizuho Direct online banking app and website. A major recent enhancement was the launch of Mizuho Point Mall in April 2025. This platform is the first by a Japanese bank to allow the interchangeable use of PayPay points, Rakuten points, and d-points with no loss in value, as of March 4, 2025. This directly addresses customer convenience for everyday banking activities.

Relationship Banking: Long-term, trusted partner approach with corporate clients

For corporate and investment banking clients, the approach is about being a long-term, trusted partner, which is a core value for the firm. This is supported by the group's sheer scale; as of the end of June 2024, Mizuho Financial Group, Inc.'s consolidated total assets stood at ¥292.3 trillion. The focus in the EMEA region, for example, is on providing corporates and institutions with unparalleled access and expertise in Japan and Asia, positioning Mizuho International plc as the partner of choice for European companies in their home market. The firm's full-year net profit guidance for FY2025 was raised to ¥820 billion, showing the underlying strength supporting these long-term relationships. This relationship focus is also seen in their commitment to supporting clients' transition risks, with engagement and support for GHG emission reductions in carbon-related sectors.

Here's a quick look at some of the scale and investment figures related to these customer-facing strategies:

Metric Category	Specific Data Point	Value/Amount	Date/Period Reference
Scale of Operations	Consolidated Total Assets	¥292.3 trillion	As of June 2024
Digital Investment	Investment in Digital Initiatives (Megabanks)	Over ¥1 trillion	In 2025
Sustainability Commitment	Sustainable Finance Target	JPY 100 trillion	Ongoing
Customer Loyalty Integration	Interchangeable Point Programs Launched	3 (PayPay, Rakuten, d-points)	April 2025
Profitability Outlook	Full-Year Net Profit Guidance (FY2025)	¥820 billion	Raised in H1 FY24 results

You should review the engagement scores and inclusion scores from the Staff Survey to gauge internal alignment with this customer-centric approach, as these scores reflect employee perception of collaboration.

• Branch strategy: Shift basic services to digital.
• Digital goal: Enhance Mizuho Direct UI/UX.
• Co-creation focus: Hydrogen, carbon credit, and 'Impact.'
• Advisory focus: Investment trust product monitoring.
• Relationship goal: Act as a trusted partner always.

Finance: draft 13-week cash view by Friday.

Mizuho Financial Group, Inc. (MFG) - Canvas Business Model: Channels

You're looking at how Mizuho Financial Group, Inc. (MFG) reaches its customers as of late 2025. The strategy centers on optimizing three styles: digital, remote, and face-to-face, all connected seamlessly.

Physical Branch Network: Flexible branch models focused on core in-person consulting.

Mizuho Financial Group, Inc. is actively shifting its physical footprint to focus on high-value interactions. The goal is to transform branches into spaces primarily for in-person consulting, moving routine transactions to digital channels. This involves rolling out new, flexible branch models.

The network size for Mizuho Bank, Ltd. as of June 30, 2025, shows the domestic presence:

Network Component	Count (As of June 30, 2025)
Network in Japan (Branches)	463
New Consultation-Focused Stores (e.g., Mizuho Atelier)	Data not specified, but part of the strategy to shift branch function

The strategy includes reviewing branch opening hours to support this shift toward consultation-only visits.

Digital Channels: Mobile banking apps and online platforms.

Digital channels are crucial for driving the shift of banking processes and operations. Mizuho Financial Group, Inc. is investing heavily in improving the user interface/user experience (UI/UX) of its online banking app, Mizuho Direct.

Key digital metrics and investment figures include:

• Digital transformation investment in 2025: Over ¥1 trillion across the three megabanks.
• Mizuho Direct Monthly Active Users (MAU): Trend shows an increase from 3.49 million in FY2023 to 4.10 million in FY2025 (as per chart data).
• Goal: Provide digital services allowing retail customers and corporate clients to complete transactions without visiting a branch.

Remote Consulting: Contact centers and digital channels for remote advisory.

Remote consulting leverages technology to provide advisory services anytime, anywhere. This includes developing next-generation contact centers that incorporate Artificial Intelligence (AI) technology.

The expected efficiency gains from these remote channels are concrete:

• Time saved by next-generation contact centers (utilizing AI): Estimated at 7,000 hrs/year.
• Service Goal: Offer investment advice available anytime, anywhere.

Partner Ecosystems: Embedded finance solutions and joint services with partners like Rakuten.

Mizuho Financial Group, Inc. is actively extending its services through strategic alliances to enhance customer convenience and expand reach. The partnership with Rakuten Group is central to this effort.

Specific partnership channel activities include:

• Rakuten Card Co-branded Card: The Mizuho Rakuten Card began offering Rakuten points benefits in December 2024. Mizuho holds a 14.99% stake in Rakuten Card.
• Point Integration: Launched Mizuho Point Mall in April 2025, the first Japanese bank platform to allow interchangeability of PayPay points, Rakuten points, and d-points with no loss in value (as of March 4, 2025).
• NISA Services: Rolling out services for the NISA (Nippon Individual Savings Account) in partnership with Rakuten Securities.
• Embedded Finance: Jointly developed everiwa wallet with Panasonic Corporation for contactless payment/receipt of EV charging fees, based on the embedded finance solution House Coin.

Global Offices: International branches for Corporate & Investment Banking.

The global channel strategy supports Corporate & Investment Banking (CIB) clients expanding into new markets. Mizuho Financial Group, Inc. maintains an expansive international footprint.

The global network scale as of late 2025 includes:

Geographic Scope	Office/Country Count	Specific Data Point
Total Countries with Offices	Nearly 40 countries or 36 countries	Mizuho Financial Group, Inc. total footprint
Mizuho Bank Network Outside Japan	78 (As of June 30, 2025)	Includes branches, representative offices, and overseas subsidiaries
EMEA Footprint Consolidation	From 11 to 4 offices (Effective April 5, 2025)	Reorganization of European operating footprint
Total Global Offices (Approximate)	Over 800 offices worldwide	Includes all group companies

Mizuho Americas LLC, the Intermediate Holding Company, covers corporate and investment banking, global markets, and treasury services for institutional and corporate clients in the U.S..

Mizuho Financial Group, Inc. (MFG) - Canvas Business Model: Customer Segments

You're looking at the core client groups Mizuho Financial Group, Inc. (MFG) targets across its integrated banking, trust, and securities structure as of late 2025.

Japanese Large and Mid-Cap Corporations: This segment is the backbone, served by the Corporate & Investment Banking Company (CIBC) and Global Corporate & Investment Banking Company (GCIBC). The focus is on financing, risk management, and advisory services.

• Corporate clients where Mizuho acted as lead underwriter: 624 as of March 25 (Source 3).
• The corporate portfolio is a large part of the total Allowances for Loan Losses recorded on the consolidated balance sheet as of March 31, 2025 (Source 5).

Mass-Market Retail Customers in Japan: This group drives growth in digital engagement and asset formation, increasingly through strategic alliances.

• Number of customers using investment products (KPI as of FY2024): 2.30 million (Source 1).
• Balance of retail deposits as of FY2024: ¥46.2 trillion (Source 4).
• Target for number of deposit account openings in FY2025: 500 thousand (Source 4).
• Mizuho Direct (online banking app/website) monthly active users as of FY2024: 4.45 million (Source 4).
• Total participants in defined contribution plans (iDeCo and Corporate DC) as of March 25: 1.91 million (comprising 370K iDeCo participants and 1.54 million Corporate DC plan participants) (Source 3).

High Net Worth Individuals: Clients for Asset and Wealth Management services, often overlapping with the upper tier of the retail segment.

Here's a quick look at the scale of the wealth management client base as of March 25:

Client Group Metric	Count/Value	Source Date
Individual customers with assets >JPY10m	1.58 million	March 25 (Source 3)
Balance of publicly offered investment trusts under administration (FY2024)	¥12.4 trillion	FY2024 (Source 1)
Public Pension (GPIF) AUM	¥28.9 trillion	As of March 25 (Source 3)

Global Institutional Investors: These clients engage with Mizuho Securities and the Global Markets Company (GMC) for securities and private credit products.

Mizuho Financial Group, Inc. reported a Common Equity Tier 1 capital ratio under Basel III of 13.23% as of March 31, 2025 (Source 7). The total assets of Mizuho Financial Group were reported as more than £1.4 trillion (Source 6).

Government Agencies and Local Governments: These entities interact with Mizuho Bank for general financial products and services, and with Mizuho Trust & Banking for services like pension administration. Mizuho Securities also serves public sector entities (Source 7). The firm is actively pursuing DX initiatives with partners, such as payment infrastructure collaboration (Source 4).

The Profit Attributable to Owners of Parent for the fiscal year ended March 31, 2025, was ¥885.4 billion (Source 7). This financial strength supports the entire client base.

Mizuho Financial Group, Inc. (MFG) - Canvas Business Model: Cost Structure

Personnel Costs for Mizuho Financial Group, Inc. involve the compensation for its global workforce. The consolidated total number of employees as of March 31, 2025, was reported as 52,554. For the first half of Fiscal Year 2025 (six months ended September 30, 2025), the reported Personnel Expenses on a consolidated basis amounted to ¥187,950 million.

General and Administrative (G&A) Expenses cover the operating costs across Mizuho Financial Group, Inc.'s extensive network. Consolidated General and Administrative Expenses, excluding Non-Recurring Losses, for the six months ended September 30, 2025, totaled ¥508,303 million. For the full Fiscal Year 2024 (ended March 31, 2025), the reported G&A Expenses were ¥1,840.7 billion. The estimate for Fiscal Year 2025 projected an increase in G&A Expenses by ¥176.7 billion year-on-year.

Technology Investment is a significant component, driven by the push for Digital Transformation (DX) and system modernization. Mizuho Financial Group, Inc. has announced a medium-term target for digital investment of JPY 100 billion.

Funding Costs are directly impacted by the interest rate environment. Following two interest rate hikes by the Bank of Japan in Fiscal Year 2024, funding rates have risen, leading to short-term cost pressures for Mizuho Financial Group, Inc. The company continues to focus on strengthening and diversifying funding sources.

Governance and Regulatory Compliance Costs are embedded within operating expenses, reflecting the high demands of global financial regulation. The estimated year-on-year increase in General and Administrative Expenses for Fiscal Year 2025 was attributed mainly to external factors, including inflation and resource deployment to growth areas and governance-related costs.

Here's a quick look at some key cost-related figures for the latest reported periods:

Cost Component	Period End Date	Amount (¥ million)	Basis
Personnel Expenses	September 30, 2025 (6 Months)	187,950	Consolidated
General and Administrative Expenses (excl. Non-Recurring Losses)	September 30, 2025 (6 Months)	508,303	Consolidated
General and Administrative Expenses	March 31, 2025 (FY2024)	1,840,700	Consolidated
Medium-Term Digital Investment Target	N/A	100,000	JPY (Target)

The breakdown of the workforce size as of the last reported fiscal year end includes:

• Total Consolidated Employees as of March 31, 2025: 52,554.
• Another reported figure for employees as of March 31, 2025, was 65,256.

Finance: draft 13-week cash view by Friday.

Mizuho Financial Group, Inc. (MFG) - Canvas Business Model: Revenue Streams

You're looking at how Mizuho Financial Group, Inc. actually brings in the money, based on their latest figures from the first half of Fiscal Year 2025 (1H FY2025), which ended September 30, 2025. The overall picture shows a strong reliance on core banking income, though trading revenue saw a dip compared to the prior year's strong showing.

The projected full-year target for FY2025 Profit Attributable to Owners of Parent has been revised upward to ¥1,130,000 million, which is a 27.6% increase year over year based on the latest outlook. This upward revision reflects the robust performance seen in the first half.

Here's a breakdown of the key components making up the Consolidated Gross Profits for the first half of Fiscal 2025, compared to the same period last year. Honestly, the jump in Net Interest Income is what's really driving the current momentum, helped by the Bank of Japan's policy rate adjustments.

Revenue Stream Component (Millions of yen)	1H FY2025 Amount	Change from 1H FY2024
Net Interest Income	652,680	+169,823
Net Fee and Commission Income	467,387	+64,601
Net Trading Income	423,220	-135,240
Net Gains (Losses) related to Stocks	130,448	+50,492
Trust Fees	31,570	+1,279
Consolidated Gross Profits (Sum of key items)	1,629,070	+108,371

Net Interest Income shows earnings from lending operations and rising interest rates really paying off; it hit ¥652,680 million in the first half, a significant increase of ¥169,823 million year over year. That's a clear win from the rate environment.

Fee and Commission Income, which covers things like securities, trust banking, and advisory services, remains a substantial pillar. You can see the detail here:

• Net Fee and Commission Income totaled ¥467,387 million for 1H FY2025.
• Trust Fees specifically contributed ¥31,570 million.

Trading Revenue, which comes from Sales & Trading (S&T) activities in Global Markets, was ¥423,220 million in the first half. To be fair, this was down by ¥135,240 million compared to the prior year's first half, suggesting market volatility was captured differently or was less favorable in certain segments this period. Still, performance in Global Investment Banking and the ability to monetize DCM (Debt Capital Markets) deals helped overall.

Net Gains related to Stocks provided a nice boost, coming in at ¥130,448 million, which was ¥50,492 million higher than the first half of Fiscal 2024. This profit came from strategic shareholdings and investments, which is always a factor for Japanese banks reducing cross-shareholdings.

The Profit Attributable to Owners of Parent for the first half alone reached ¥689,947 million, marking a 21.8% increase year over year, which puts them well on track for that full-year target. Finance: draft 13-week cash view by Friday.