Expansion of External Card Use, Partnerships and Shared Loyalty Points

「Similarly, in March 2025 we launched “MITOUS,” a comprehensive financial services platform offering asset management, crowdfunding and insurance, and promoted new service development by exhibiting at events for department-store customers. In October 2025, we also obtained licenses for financial product intermediary services and bank agency services and began operations inside Mitsukoshi Nihombashi Main Store, further expanding the planning and provision of financial products by leveraging our points of contact with department-store customers.」

「In March 2025, we newly introduced “エムアイカードベーシック” to expand membership, and the number of cards acquired recently has increased substantially.」

「The product warranty service launched last fiscal year in the watch department of Isetan Shinjuku Main Store has been progressing steadily, with the service enrollment rate among watch purchasers reaching its target.」

「As part of this initiative, we partnered with a non-life insurance company and began offering “エムアイくるまの保険,” a new comprehensive automobile insurance product that enables エムアイカード members to earn points more advantageously, from October.」

「As part of our growth strategy in this area, we have begun developing new financial services to meet the needs associated with the broader lifestyles of all identifiable customers connected with us through the department-store business.」

「At 株式会社エムアイカード, in addition to growth in credit card transaction volume at group department stores, which is on a growth trajectory, external use expanded mainly in the airline, travel and dining sectors. Cost optimization, including bringing outsourced operations in-house, resulted in higher sales and operating profit.」

「Although 株式会社エムアイカード's profit declined due to changes in intra-group transactions, credit card use in the travel and dining sectors and elsewhere grew significantly after restrictions on activities were lifted. As a result, credit card transaction volume outside department stores exceeded pre-pandemic levels. We will continue to expand new credit card member acquisition and usage promotion while controlling expenses to further increase revenue.」

「At 株式会社エムアイカード, credit card transaction volume exceeded the previous year as consumer activity increased. Use in the travel and dining sectors and elsewhere recovered, and transaction volume outside department stores exceeded fiscal 2018 levels before the COVID-19 pandemic. We will continue working to acquire new credit card members and promote card use to further expand revenue.」

「At 株式会社エムアイカード, credit card transaction volume recovered to near pre-pandemic levels as consumer activity increased with the decline in COVID-19 cases. Use in the travel and dining sectors in particular grew, and credit card transaction volume outside department stores increased substantially year on year. We will continue strengthening member acquisition initiatives linked to department-store initiatives and working to expand membership and credit card transaction volume.」

「Going forward, we will expand the membership base by developing promotional approaches using payment data, strengthening the department-store card lineup and ancillary services, and promoting alliances with external companies through the “federal strategy.” We will also begin developing new businesses, including data marketing using card payment data, to further expand our earnings base.」

「At 株式会社エムアイカード, card use within and outside the group began to recover after the state of emergency was lifted nationwide from October, and external use excluding department stores exceeded the 2018 level before the COVID-19 pandemic. Selling, general and administrative expenses were also reduced through cuts in outsourced operations and greater efficiency in sales initiatives, and operating profit remained solid.」

「As the outlook for growth in card transaction volume and membership at group department stores became difficult to assess due to the COVID-19 pandemic, we promoted the introduction of contactless mobile payment services to improve member convenience and increase external use, as well as the issuance of co-branded cards with companies outside the group to acquire new customer segments.」

「As measures to expand sales, we worked to improve member convenience and promote external use through the introduction of Apple Pay and Google Pay, and issued co-branded cards with companies outside the group to acquire new customer segments.」

「As card acquisition at group department stores proved challenging, we pursued measures to expand sales, including strengthening acquisition through web channels, improving member convenience and promoting external use through the introduction of Apple Pay, and issuing co-branded cards with companies outside the group to develop new customer segments.」

「Although card transaction volume remained below the previous year for use outside department stores, it exceeded the plan, driven by strong performance in e-commerce, mail-order sales and consumer electronics. Selling, general and administrative expenses were reduced both year on year and against plan by controlling operating and promotional expenses, improving the efficiency of in-store counter staffing, and reducing personnel expenses.」

「We aim to expand the business based on the group's system infrastructure and strong customer base. At 株式会社エムアイカード, sales and operating profit remained below both the initial plan and the previous year due to lower transaction volume caused by temporary closures at group department stores, a sharp decline in external affiliated-merchant use in the travel and dining sectors during the state of emergency, and a related decrease in installment receivables.」

「As part of our efforts to expand sales, we have also focused on issuing co-branded cards with external companies. During the year, we issued new co-branded cards with 14 companies, which will contribute to future growth in transaction volume and revenue.」

「As the number of department-store customer members declined due to store closures, 株式会社エムアイカード expanded Gold Card services and ran membership and other campaigns, resulting in the acquisition of highly loyal customers. In addition, amid front-loaded demand ahead of the consumption tax increase, campaigns linked to certain department-store locations led to higher fees from card use and higher acquiring fees.」

「The group customer program linked to department stores also fully launched this spring, and we will seek to improve customer satisfaction by continuing to expand the range of services. We are also continuing to issue the new “エムアイカード,” whose services differ from those of the department-store card, to expand into new customer segments. Going forward, we will actively study and pursue new initiatives to address increasingly diverse payment methods.」

「The group's points program, “エムアイポイント,” is expanding its scope of use outside the group. During the year, we began point exchanges with 35 new companies, promoting customer use outside department stores and working to improve profitability.」

「As membership and transaction volume at group department stores declined slightly due to a decrease in the number of group department-store locations, 株式会社エムアイカード strengthened external affiliated-merchant agreements, partnership initiatives with major companies, and promotions highlighting bonus points. As a result, external fee revenue exceeded the previous year. After also reducing operating expenses, sales in this segment were ¥29,657 million, up 0.3% year on year, and operating profit was ¥5,576 million, up 34.1% year on year.」

「We aim to further expand the house-card business as a core business by making maximum use of the group's system infrastructure and strong customer base. Although membership and transaction volume at group department stores declined slightly, partly because of store closures, 株式会社エムアイカード worked to increase highly loyal Platinum and Gold members and promote external card use, resulting in higher sales than the previous year.」

「As a new initiative, we expanded our card lineup to improve customer convenience and enhance services. In addition to the Gold Card, we began issuing Platinum Cards to highly loyal customers in June. We also began issuing a new “エムアイカード” in May, with services different from those of the department-store card. Although its points earning rate at department stores is lower, its annual fee is free subject to certain conditions, and it is designed mainly for earning points outside department stores. Performance has exceeded the target. In addition, from June we began a reciprocal points-program linkage service with the AEON Group to further improve convenience and expand external card use.」

「To expand the card membership base, we added a Platinum tier to our department-store cards and issued original cards for Kokubunji Meets and Nagoya Lachic. We invested for the future to expand エムアイカード membership both within and outside the group by offering a range of annual fee levels and a card lineup tailored to customers' usage needs.」

「In the credit, finance and membership club businesses, we have promoted higher average spending in stores, centered on department-store customers, and expanded external card use. Going forward, we aim to further develop the house-card business as a core business by expanding the membership base and increasing spending and use cases. 株式会社エムアイカード is focusing on acquiring members through web channels and co-branded cards to strengthen new customer acquisition, and membership applications are progressing steadily. External group card use also expanded as a result of stronger sales efforts targeting merchants.」

「株式会社エムアイカード expanded external card use by rolling out various usage-promotion campaigns and actively developing external affiliated merchants, based on its strong customer base. In addition, the number of Gold members has steadily increased as the company continued and strengthened campaigns encouraging highly loyal, high-spending customers to switch to Gold membership. The company is also strengthening sales efforts to expand partnerships with external companies and issue co-branded cards.」

「株式会社エムアイカード has been converting benefits into points since April last year, further improving coordination with external companies and convenience when shopping across our group, while developing its operating structure to build a highly profitable business platform. As a result, fees from external affiliated merchants and orders for marketing services increased.」

「In the credit, finance and membership club businesses, we are partnering with companies outside the group to expand external transaction volume and our membership base. 株式会社エムアイカード has newly started issuing a co-branded card in partnership with Kashima Jingu. This is an entirely new type of credit card that allows donations to Kashima Jingu. We will continue expanding initiatives with other companies and strengthening partnerships with companies outside the group.」

「株式会社エムアイカード is seeking to expand its membership base by increasing external card use and issuing co-branded cards. From October, it began issuing the “Nomura Real Estate Group Customer Club Gold Card” for members of the Nomura Real Estate Group. This is the first card jointly developed and issued by companies in the real estate and department-store industries. The company is working to improve services, including by awarding エムアイポイント for purchases from the Nomura Real Estate Group, such as brokerage and renovations.」

「株式会社エムアイカード is expanding various campaigns aimed at increasing external card use and expanding external affiliated merchants, while also issuing co-branded cards. From June, it began issuing the “VIORO Card” at the VIORO commercial complex in the Fukuoka Tenjin area, and plans to issue the “Nomura Real Estate Group Customer Club Gold Card” in October. In addition, from April it revised card benefits to the group-wide shared points program and began offering mileage exchanges with major airlines, working to improve customer convenience.」

「株式会社エムアイカード worked to expand various campaigns aimed at increasing external card use, expand external affiliated merchants, and issue co-branded cards, while also newly introducing a points mall and an online statement service.」