Investment in Service Quality, Customer Satisfaction, Security and New Services

「Although fixed costs increased to develop new services, enhance service systems and expand the proprietary database, we continued investing to strengthen our competitiveness over the medium to long term and are working to reinforce the foundation for future growth.」

「Total capital expenditures for the consolidated fiscal year, after eliminating intersegment transactions, were ¥964.053 million. Before eliminating intersegment transactions, the main expenditures were ¥447.484 million for upgrading the core service and internal systems and ¥393.347 million for upgrading the proprietary database in the credit management services business.」

「Advancement of the credit management services business Integration of AI × data × monitoring」

「① Service enhancement and digital transformation • Launch of the 「ＲＭ登記簿調査レポート」 commercial registry research report (April) • Launch of the “Anti-Social Forces Check: Individual Search” function (April) • Launch of the web app version of the 「リスモン業種別審査ノート」 industry-specific credit review notes (May) • Launch of an e-learning course addressing revisions to the Subcontracting Act and the Freelance Act (June) • Launch of the 「ＲＭ中国企業コンプラチェックレポート」 Chinese corporate compliance check report (September)」

「Cash used in investing activities was ¥656.092 million, compared with ¥508.511 million used in the prior-year period. This was mainly due to expenditures of ¥447.232 million for the acquisition of intangible assets, ¥100.000 million for deposits into time deposits and ¥99.804 million for the acquisition of investment securities, among other factors.」

「Total capital expenditures for the consolidated fiscal year were ¥933.865 million, mainly comprising ¥509.139 million for upgrading the core service systems and internal systems and ¥386.730 million for upgrading the proprietary database in the credit management services business.」

「Cash used in investing activities was ¥508.511 million, or 152.4% of the prior-year period. This was mainly due to expenditures of ¥10.311 million for the acquisition of property, plant and equipment, ¥464.402 million for the acquisition of intangible assets and ¥44.942 million for the acquisition of a business, among other factors.」

「The Company continues to invest in upgrading its proprietary database and service systems.」

「The Company invested in upgrading its service systems and strengthening security, while personnel expenses and marketing expenses increased to strengthen service delivery.」

「Cash used in investing activities was ¥333.559 million, or 155.3% of the prior-year period. This was mainly due to proceeds of ¥47.797 million from the sale of investment securities, which contributed to the increase, and expenditures of ¥379.979 million for the acquisition of intangible assets, which contributed to the decrease.」

「Total capital expenditures for the consolidated fiscal year were ¥877.721 million, mainly comprising ¥434.708 million for upgrading the core service systems and ¥329.330 million for upgrading the proprietary database in the credit management services business.」

「• Launch of the credit management support report 「リスモンＡＩ与信管理ＰＤＦ」 (October) • Launch of the 「リスモン企業データベースＡＰＩ連携サービス」 corporate database API integration service (October) • Launch of the corporate payment processing services “Rismon Collect” and “Rismon Pay” (November)」

「Revision of the rating logic (June)」

「Total capital expenditures for the consolidated fiscal year were ¥505.928 million, mainly comprising ¥322.032 million for upgrading the core service systems used in the credit management services business.」

「Added a function that automatically registers financial statement data in the “Financial Statement Analysis System” using “Financial Statement AI-OCR” (September)」

「Added a function that automatically registers financial statement data in the “Financial Statement Analysis System” using “Financial Statement AI-OCR” (September)」

「• Enhanced the survey items in the Chinese corporate credit information service 「ＲＭ中国企業情報ナビ」 and added a survey on the impact of COVID-19 (April) • Launched “AppSuite,” a business application creation tool, on the J-MOTTO groupware platform (April) • Added “RM Credit Limit” to the Chinese corporate credit information service 「ＲＭ中国企業情報ナビ」 (June) • Launched the “Anti-Social Forces Heat Map (Beta),” which displays compliance risk involving anti-social forces in heat-map format (June)」

「• Launch of the “RM Rating API Service” (November) • Launch of a condolence payment program for ratings A to D under the credit monitoring service (November) • Launch of the “Risk Monster Mutual Aid Service” condolence payment program for ratings E and F under the credit monitoring service (December)」

「株式会社ＴＫＣ and the Company jointly developed the university-focused web learning system 「ビジネス実務与信管理学習ツール」 (July)」

「• Launch of the iOS version of the smartphone app for the “ハッスルモンスター” sales opportunity and daily report management system (April) • Launch of a video e-learning course featuring instructors from the public training program (June)」

「Total capital expenditures for the consolidated fiscal year were ¥322.507 million, mainly comprising ¥218.801 million for upgrading the core service systems used in the credit management services business.」

「Began providing e-Credit Navi’s “Antisocial Forces Article Search” in October; began providing “desknet's Sync,” a service for two-way synchronization between the J-MOTTO groupware scheduling function and smartphone calendars, in November; began providing an “Original e-Learning Content Function” for Cybax Univ. in November; began providing the “Portfolio Analysis Service for Chinese Companies” in November.」

「• Launch of the cloud-based “Financial Statement Analysis System” (July) • Launch of the smartphone app for the “ハッスルモンスター” sales opportunity and daily report management system (September)」

「• All Group companies exhibited at “Japan IT Week Spring: The 9th Cloud Computing EXPO” (May) • リスモン・ビジネス・ポータル株式会社 began offering “Web給与明細” and “J-MOTTOワークフロー,” previously optional services of J-MOTTO (ジェイモット), as standalone services (June)」

「Total capital expenditures for the consolidated fiscal year were ¥303.170 million, mainly comprising ¥195.344 million for upgrading the core service systems used in credit management services and related operations.」

「• Launch of the “ハッスルモンスター” sales opportunity and daily report management system (October)」

「• Launch of the cloud-based time and attendance management service “J-MOTTO Web勤怠” (June)」

「Total capital expenditures for the consolidated fiscal year were ¥276.801 million, mainly comprising ¥168.248 million for upgrading the core service systems used in credit management services and related operations.」

「• Consolidated subsidiary 日本アウトソース株式会社 launched the 「名館長クラウド」 library management system (November)」

「• Launch of the “Portfolio Service Web Management Function” (July) • Launch of the first fintech service, “Risk Monster Mutual Aid Service” (August)」

「Launch of the 「リスモン業界レポート」 industry report service (May)」

「Within operating cash flow, we will invest in improving the quality and customer satisfaction of existing services and strengthening security, while actively investing in new services.」