Japanese

Investor Relations

Business Highlight

Financial Highlights (Consolidated)

In the 2017 fiscal year, based on Credit Saison's management philosophy of striving to always be a leading-edge service company, in Japan, we implemented a number of measures to offer various products and services matching the needs of the customers and enhancing their convenience, including measures to further enhance the added value of Eikyufumetsu ("Never expire") points by including support for mobile settlement and other cardless settlement solutions as well as offering a new leading-edge point services. Overseas, we focused on expanding the retail finance business in Asia ex-Japan.

The Company also launched operation of a new system to improve customer satisfaction and create business opportunities for growth, launched full-scale operation of "common personnel system for all employees", placing all employees on an open-ended employment basis and consolidating all systems, including wages, and conducted other measures to promote establishment of a basis that shall allow us to continue being a growing company for years to come.

In fiscal 2017, on consolidated base, Credit Saison posted the operating revenue of \292.1 billion (up 4.7% YoY), the operating income of \40.7 billion (up 30.6% YoY), and the ordinary income of \56.7 billion (up 6.9% YoY). Although the Company posted a gain on sales of investment securities as extraordinary income, net income decreased 9.3% to \38.3 billion due to several reasons including costs required for transfer to a new system posted as a one-time extraordinary loss.

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Financial Highlights (Non-consolidated)

Working in cooperation with partner retailers, the Company redoubled membership drives for premium cards, Saison American Express® Card and Mitsui Shopping Park Card Saison. Total card membership increased by 480,000 members from the previous fiscal year-end to 26,950,000 members.

The Company implemented a number of measures to promote the active use of cards, bolstered the use of cards for public utility charges, tax payments, etc., introduced new settlement services for smartphones such as "Saison Origami Pay" and "UC Origami Pay", reinforced efforts to encourage Apple Pay registration and use, at the same time encouraging the shift to cashless settlement of operating expenses among corporate customers. As a result of these many efforts, transaction volume on corporate cards rose 15% YoY, overall shopping transaction volume expanded 4.6% YoY to \4,683.0 billion, and shopping revolving balance grew 8.8% from the previous fiscal year-end to reach \414.2 billion.

In credit-guarantee business, the Company offered guarantee products for multi-purpose loans on deeds, which can be used for operating funds. By this means the Company strove to build detailed partnerships with regional financial institutions, such as regional banks and credit unions. The number of partner institutions increased YoY by 0, to 394, while the guarantee balance decreased 1.1% from the previous fiscal year-end, to \283.9 billion.

In Flat 35, the Company promoted support for homebuyers housing-loan packages such as the Saison Home Assistance Loan, a loan for various expenses incurred when purchasing a house. Loan issuance leapt 28.7% YoY to \196.5 billion, while the balance of loans transferred to JHFA grew 31.8% from the previous fiscal year-end to \593.4 billion.
For the Saison Asset Formation Loan (a loan product supporting the purchase of condominiums for investment purposes), the Company strengthened coordination with leading partners. As a result, loan issuance expanded 38.5% YoY to \138.0 billion. Total loan portfolio increased 57.5% against the previous fiscal year-end to \341.5 billion.

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