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, 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 environment surrounding SMBC Consumer Finance (SMBCCF) has changed rapidly due to an accelerating pace of technological innovation, different industries entering the financial sector, and other factors. Having recognized this environment, we formulated a three-year medium-term management plan starting in fiscal 2020 with the stated policy of achieving sustainable growth through the determined pursuit of a customer-first approach. With three strategic pillars, namely "transforming current existing business models," "taking on the challenge of new business areas" and "establishing a leaner business management structure," we will expand the circle of engagement by forging links and bonds with society, customers and employees, and work to achieve our business strategies through a digital shift of our systems and human resources.

Our view of consumer finance is to provide stable, continuous services through which customers can borrow money with peace of mind. Working closely with customers, we will strive to build a sound consumer finance market by providing optimal services and support tailored to customers' specific needs. We will also take action to resolve societal issues and achieve sustainability through our business activities. Meanwhile, as we have approached our 60th anniversary on March 20, 2022, we remain steadfast in our commitment to be the global consumer finance company that is most trusted by our customers.

June 2022