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Message from President

Since our establishment in March 1962, we have been offering consumer financial services to promptly meet the diverse funding needs of our customers while keeping pace with changing lifestyle patterns by developing safe, convenient personal loan products and building the infrastructure for dealing with customer inquiries and loan applications.

On April 1, 2012, when we celebrated the 50th anniversary of our establishment, we became a member of the SMBC Group, and on July 1 of the same year, we changed our name from Promise Co., Ltd. to SMBC Consumer Finance Co., Ltd. As the nucleus of the SMBC Group consumer finance business, we are working to strengthen our core Financing Business (direct loans) as well as our Loan Guarantee Business, Overseas Business and Loan Management Business for future growth in cooperation with Sumitomo Mitsui Banking Corporation (SMBC) and other SMBC Group companies.

In recent years, our operating environment has been changing at a dizzying pace, with the acceleration of technological innovation and new entrants to the financial services sector. Recognizing this, we have positioned fiscal 2019 as a year of "Challenge for Innovation", with digital transformation as the underlying theme, and we are focusing on providing cutting-edge services that anticipate changes in the business environment and rebuilding our business model. More specifically, we will focus on enhancing the quality of services by providing services adapted to changing customer behavior, which will lead to innovation of customer experience (CX) value; enhancing the quality of operations by innovating business processes and rebuilding our business model to help maintain and improve competitiveness; and enhancing the quality of management by strengthening our management structure in response to advances in SMBC Group management.

Our view of consumer finance is to provide stable, continuous services through which customers can borrow money with peace of mind. We will work to improve services, paying particular attention to customers' peace of mind. As a company with corporate social responsibility (CSR), we will strive to build a sound consumer finance market while helping to create a vibrant society and providing people with happy, healthy lives by valuing communication with local communities. Ultimately, we aspire to be the global consumer finance company that is most trusted by our customers.

April 2019

photo of Ryoji Yukino

Ryohei Kaneko
President and Representative Director, Chief Executive Officer

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