Accelerating initiatives in the 3 priority businesses (credit finance, staffing services, and interior construction)

「Following the consolidation of cards within the Group completed in the previous fiscal year, we have been advancing member acquisition initiatives for each card, and the number of cards issued increased year on year during the six-month period. Card transaction volume also increased year on year, mainly because spending by department store external sales customers remained strong, and because the expansion and optimization of card credit limits in the finance business, which we have strengthened in recent years, had an effect. In the merchant business, merchant acquisition progressed steadily, particularly in priority areas, and merchant transaction volume continued to trend upward.」

「With the new issuance of Hakata Daimaru Kujaku Card in March 2025, following the PARCO Card in February 2025, the consolidation of card-issuance operations within the group under the medium-term management plan was completed.」

「Regarding card member acquisition, the consolidation of cards within the Group was completed with the new issuance of the PARCO Card in February and the Hakata Daimaru Card in March. We are advancing member acquisition initiatives in collaboration with each company to expand the card member base.」

「Against this backdrop, we began issuing the GINZA SIX Card in April as the first step toward consolidating cards within the Group to expand our customer base. In the merchant business, we advanced the expansion of external merchants in areas where Group facilities are located, including by adding a newly opened commercial facility operated by another company as a merchant to promote customer circulation in the Nagoya-Sakae area.」

「In the finance business, we began providing digital securities services through collaboration with another company during the third quarter to expand our range of new products and services.」

「To expand our customer base, we worked to increase the number of card members and promote card usage through collaboration with the department store business, while also implementing special member initiatives to differentiate and raise awareness of our proprietary QIRA Points service. In the merchant business, in addition to consolidating merchants in the department store business, we worked to expand acquiring at the Group’s commercial facilities. We also worked to strengthen the business platform by expanding use of the financial service “Kantan Tsumitate Toshi” through partnerships with other companies and acquiring customers through collaboration with a mixed-use commercial facility adjacent to the Daimaru Shimonoseki store.」

「In the payments business, in addition to the recovery of transaction volume at department stores and external merchants, we worked to provide special experiences, including member events, to raise awareness of our proprietary QIRA Points program.」

「In the merchant business, in addition to consolidating merchants in the department store business, we advanced initiatives to expand the business platform, including the introduction of acquiring at the Group’s commercial facilities, which increased transaction volume.」

「To expand our business platform, we worked to increase the number of card members and promote card usage through collaboration with the department store business, while also differentiating and raising awareness of our proprietary QIRA Points service through member events and other initiatives to provide special experiences. In the merchant business, in addition to consolidating merchant agreements in the department store business, we advanced initiatives to introduce acquiring at the Group’s commercial facilities, alongside expanding finance receivables by promoting the use of revolving and installment payment services.」

「As part of our customer strategy based on our priority strategies, we worked to provide special experiences for customers by expanding our customer base through collaboration with the department store business, differentiating and raising awareness of our proprietary QIRA Points service, and holding events featuring members of the Japan national soccer team and campaigns offering opportunities to participate in pro-am golf events through professional golf sponsorships.」

「As part of the business’s sustainability initiatives, we newly began providing family trust services as a solution for asset succession, one of the social issues associated with the arrival of a super-aged society. From the perspective of coexistence with local communities, we also began a merchant business in collaboration with other companies, aimed at developing cashless infrastructure, reciprocal customer referrals among merchants, and increasing visitors to the area by expanding the network of card-accepting merchants in areas surrounding the Group’s commercial facilities.」

「In January, we renewed the Daimaru Matsuzakaya Card to strengthen the business, enhance the services, and introduce the new QIRA Points program. In February, we began offering the QIRA Loan –BRIGHT LIFE- personal card loan.」

「As a result of incurring advance publicity costs for the card renewal, as well as construction and operating costs for the acquiring system, operating profit fell 76.2% to ¥453 million.」

「While strengthening the credit and finance business, which we view as a highly efficient and highly growth-oriented business, we will develop new businesses and expand our business scope while deepening collaboration with PARCO.」

「Against this challenging backdrop, our Group entered the third year of its “Medium-Term Management Plan for Fiscal 2017–2021,” aimed at realizing the new Group vision of “Inventing new happiness for everyday life.” To develop beyond the boundaries of retail as a “multi-service retailer,” we are working to further strengthen the competitiveness and profitability of our existing businesses while pursuing initiatives in our 3 priority businesses: credit and finance, staffing services, and store design and construction.」

「To develop beyond the boundaries of retail as a “multi-service retailer,” we are working to further strengthen the competitiveness and profitability of our existing businesses while accelerating initiatives in our 3 priority businesses: credit and finance, staffing services, and store design and construction.」