Greetings from President

We would like to express our sincere gratitude for your continuous support to our company.

During the fiscal year ended March 31, 2025, the Japanese economy kept showing a gradual recovery partly due to various government policies as the employment and income environment continued to improve.
In the domestic business, we promoted measures to accurately grasp funding demands of customers, and new contracts and additional use of existing customers remained strong. Combined with the impact of the depreciation the yen, the receivables outstanding increased by 7.2% yoy to 2,714.1 billion yen on a consolidated basis.

In the loan and credit card business, amid strong demand for funds, we strove to expand its business while holding down acquisition unit costs to attract new customers.
GeNiE Inc., a subsidiary company of ACOM CO. Ltd, launched the system in June 2024.Since the start of the business alliance with Kyash Inc. in October, we have expanded steadily, forming alliances with eight companies by the end of March 2025.
In the guarantee business, we have worked to deepen communication with existing partners and strive to develop new partners. In April 2025, we started a guarantee partnership with THE MORTGAGE CORPORATION OF JAPAN, LIMITED, Resona Bank, Limited, Saitama Resona Bank, Limited, Kansai Mirai Bank, Limited, and AEON Bank, Ltd.
In the overseas financial business, we have worked to attract new customers and maintain credit quality, focused on EASY BUY Public Company Limited in the Kingdom of Thailand, which accounts for the majority of the business.

Consolidated operating revenue for the fiscal year ended March 31, 2025, increased to 317,7 million yen (up 7.8% yoy), operating profit decreased to 58.5 billion yen (down 32.2% yoy), and profit attributable to owners of parent decreased to 32.1 billion yen (down 39.5% yoy).The reason for the decline in profit was an additional 40.0 billion yen to provision for loss on interest repayment based on the recalculation in light of recent trend.

Considering the current financial situation and full-year results excluding the expense for interest repayment, the year-end dividend is seven yen which was in line with the initial forecast, and for a total annual dividend of 14 yen.

With regards to shareholders returns, our basic policy is to pay stable and continuous dividends to shareholders. For FY ending March 2026, we will pay 10 yen per share for interim and year-end each and for a total annual dividend of 20 yen.

For the fiscal year ending March 2028, the final year of the medium-term management plan that begins in the fiscal year ending March 2026, the Group has targeted a total of 3,279.6 billion yen in receivables outstanding, 366.5 billion yen in operating revenue and 100.4 billion yen in operating profit. We aim to achieve an equity ratio of approximately 23% with guaranteed receivables included in the total consolidated asset, a dividend payout ratio of approximately 50%, and a ROE of around 10%.

To meet the expectations of our shareholders, we will continue to work closely with the MUFG Group to maximize our corporate value through sustainable growth and to become a corporate group that contributes to society.

I humbly ask for your ongoing support as we embrace the challenges for the future.