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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 Sumitomo Mitsui Financial Group (SMFG), 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 SMFG 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 SMFG companies.

Given that developments in the e-commerce payments market and innovative technologies in the financial sector have been accelerating in recent years, the business environment surrounding the Company is undergoing drastic changes. Based on this environmental recognition, we will put our strategies into motion rapidly to provide new services, positioning fiscal 2017 as a year of addressing changes.

Specifically, we will strive to improve the quality of our services by providing far-sighted advanced products and services corresponding to changes in customer behavior that have already been occurring, improve the quality of our operations by rebuilding our business model corresponding to changes in the operating environment, and improve the quality of our management by strengthening the business administration system corresponding to more sophisticated management of SMFG toward the unification of SMFG.

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.

July 2017

photo of Ryoji Yukino

Ryoji Yukino
President and Representative Director, Chief Executive Officer

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