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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, the expansion of cashless payments and moves to apply innovative technologies in the financial service sector have picked up pace, and the business environment surrounding the Company is changing dramatically. Recognizing this, we will work on providing more convenient, safer services, positioning fiscal 2018 as a year of rising to the challenge of evolving. Specifically, we will strive to improve the quality of our services by providing advanced products and services leveraging digitization that corresponds to changes in customer behavior, 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 SMBC Group.

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 2018

photo of Ryoji Yukino

Ryoji Yukino
President and Representative Director, Chief Executive Officer

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