Message from President

Since our establishment in March 1962, we have developed and provided convenient, safe, and reliable personal loan products to meet the funding needs of our customers while keeping pace with changes in their lives and lifestyles. We have also been working to reinforce and sophisticate our service infrastructure so that we can respond promptly to a wide range of inquiries and contract requests. In April 2012, marking the 50th anniversary year of our founding, we became a member of the SMBC Group. In July of the same year, while retaining the service brand “PROMISE,” we changed our company name to SMBC Consumer Finance Co., Ltd. and transitioned to a structure in which we, as the core company responsible for the Group’s personal finance business, strengthen cooperation with other SMBC Group companies to achieve further growth. In October 2024, we started integrated management with Sumitomo Mitsui Card Company, Limited, a frontrunner driving the expansion of Japan’s cashless payment market. By leveraging each other’s knowhow, we will enhance the level of various services and further increase the value we provide to customers.

In recent years, the environment surrounding our company has been rapidly changing, with customer values becoming diverse, digitalization advancing, technological innovation accelerating, and companies from other industries entering into the finance business. In light of these changes in the business environment, we have established “Digital Finance Company” as one of our core future visions in the Medium-Term Management Plan launched this fiscal year. Placing digital innovation at the core of our growth strategy, we will aggressively leverage new technologies such as generative AI to drive the realization of innovative, high-value-added services. At the same time, working more closely than ever before with our customers, we will strive to provide optimal services and support tailored to their specific needs. Concurrently with these continuous efforts, we will actively take action to build a sound consumer finance market and resolve various social issues through our business activities. By maintaining a sincere approach rooted in a customer-centered perspective and the highest professional ethical standards, we aim to become the No. 1 consumer finance brand that continues to be chosen by customers.