President’s Message

Our company has launched a new Medium-Term Management Plan, which will conclude in the fiscal year ending March 2030, starting this April. With sustainability at the core of our management, we aim to achieve both the creation of social value and the enhancement of corporate value, starting from the materiality.

Our concept of “creating social value” means maximizing the strengths we have cultivated over the years to provide solutions to social issues that are unique to our company. For instance, we aim to contribute to the realization of a safe, secure, and convenient cashless society, alleviate the inconveniences faced by individual customers when purchasing items through installment payments, reduce the burden of accounting and cash flow management for corporate clients, and enable foreign residents to easily access financial services.

We are convinced that our efforts to improve our “credit capability”, our strength, with the power of technology and to address social issues and customer needs are the embodiment of our company's purpose “Open the Future with You”, and are the very growth strategy that will lead to the enhancement of our corporate value.

In this new Medium-Term Management Plan, we have set a target of over 50 billion yen for consolidated ordinary profit in the final year, with a return on equity (ROE) of over 12%. We are determined to work together as one team to achieve these goals and to realize a price-to-book ratio (PBR) exceeding 1 at an early stage.