Developing Financial Institution Channels

「Collaboration with partner regional financial institutions is important for expanding sales opportunities. As our track record has been highly evaluated, business alliance agreements have progressed smoothly, and the number of regional financial institutions with which we have business alliances reached 234.」

「For the F&M Club, as of the end of September 2025, we had partnerships with 230 financial institutions. We worked to expand sales opportunities by promoting activity among alliance partners through enhanced information sharing, including the sharing of successful collaboration examples, holding study sessions and reporting results.」

「Collaboration with partner regional financial institutions is important for expanding sales opportunities. As our track record has been highly evaluated, business alliance agreements have progressed smoothly, and the number of regional financial institutions with which we have business alliances reached 223. In the joint business with MUFG Bank launched on 22 July 2024, we have seconded sales personnel from our company to strongly advance management support for small and medium-sized enterprises jointly with MUFG Bank. We are also promoting alliances with credit unions nationwide and support for companies through collaboration with Shinkin Central Bank, the central bank for credit unions.」

「For the F&M Club, as of the end of September 2024, we had partnership agreements with 220 financial institutions. We worked to expand sales opportunities by promoting activity among alliance partners through enhanced information sharing, including the sharing of successful collaboration examples, holding study sessions and reporting results. On 22 July 2024, we also announced the launch of a joint business with MUFG Bank to support the management of small and medium-sized enterprises. To strengthen collaboration in the joint business, we have seconded sales personnel from our company and are promoting cooperation in management support for small and medium-sized enterprises.」

「For the F&M Club, as of the end of December 2023, we had collaboration agreements with 213 regional financial institutions. We worked to expand sales opportunities by promoting activity among financial institutions with which we have collaboration agreements through enhanced information sharing, including the sharing of successful collaboration examples, holding study sessions and reporting results.」

「For the F&M Club, as of the end of September 2023, we had collaboration agreements with 212 regional financial institutions. We worked to expand sales opportunities by promoting activity among financial institutions with which we have collaboration agreements through enhanced information sharing, including the sharing of successful collaboration examples, holding study sessions and reporting results.」

「For the F&M Club, as of the end of June 2023, we had collaboration agreements with 208 regional financial institutions. We worked to expand sales opportunities by promoting activity among financial institutions with which we have collaboration agreements through enhanced information sharing, including the sharing of successful collaboration examples, holding study sessions and reporting results.」

「Collaboration with partner regional financial institutions is important for expanding sales opportunities. As our track record has been highly evaluated, business alliance agreements have progressed smoothly, and the number of regional financial institutions with which we have business alliances reached 206.」

「For the F&M Club, as of the end of December 2022, we had collaboration agreements with 201 regional financial institutions. We promoted activity by financial institutions with which we have collaboration or business alliance agreements by sharing successful collaboration examples and through other initiatives, while continuing to work to expand sales opportunities through proposals centered on the use of subsidies, including the Business Restructuring Subsidy, which continues to attract strong interest from small and medium-sized business owners.」

「For the F&M Club, as of the end of September 2022, we had collaboration agreements with 198 regional financial institutions. We promoted activity by financial institutions with which we have collaboration or business alliance agreements by sharing successful collaboration examples and through other initiatives, while continuing to work to expand sales opportunities through proposals centered on the use of subsidies, including the Business Restructuring Subsidy, which continues to attract strong interest from small and medium-sized business owners.」

「For the F&M Club, as of the end of June 2022, we had collaboration agreements with 194 regional financial institutions. In addition to further advancing these relationships, we worked to expand sales opportunities by making proposals centered on the use of subsidies, including the Business Restructuring Subsidy and the Manufacturing Subsidy, which continue to attract strong interest from small and medium-sized business owners.」

「Collaboration with partner regional financial institutions is important for expanding sales opportunities. As our track record has been highly evaluated, business alliance agreements have progressed smoothly. The number of regional financial institutions with which we have business alliances increased by 29 over the year to 192.」

「For the F&M Club, we worked to expand sales opportunities by pursuing new collaboration agreements with regional financial institutions and other parties, and by making proposals focused on providing financial information and support to business owners who were preparing to repay increasingly common COVID-19 loans or considering the preparation of business plans and the use of subsidies to review their businesses and plan for future development in the post-COVID era.」

「For the F&M Club, we worked to expand sales opportunities by pursuing new collaboration agreements with regional financial institutions and other parties, and by making proposals focused on financial support for companies facing cash-flow difficulties as a result of the COVID-19 pandemic. We also promoted activity by financial institutions with which we have collaboration or business alliance agreements by sharing successful collaboration examples and through other initiatives.」

「For the F&M Club, we worked to expand sales opportunities by pursuing new collaboration agreements with regional financial institutions and other parties, while making proposals centered on the Business Restructuring Subsidy in addition to our existing financial management, labor management and human resources development services. We also continued holding online seminars for business owners to promote activity by financial institutions with which we have collaboration or business alliance agreements.」

「Collaboration with partner regional financial institutions is important for expanding sales opportunities. As our track record has been highly evaluated, the pace of business alliance agreements has accelerated. The number of regional financial institutions with which we have business alliances increased by 48 over the year to 163. We will continue developing new relationships and conducting sales activities while maintaining good relationships.」

「For F&M Club, although seminars for business owners continued to be held online due to the COVID-19 pandemic, we were able to secure a certain level of sales opportunities because our staff were able to conduct joint visits, except in some regional cities, with regional financial institutions that are our main partners.」

「For F&M Club, the COVID-19 pandemic continued to restrict joint visits by our staff to companies, particularly in regional cities, among the regional financial institutions that are our main partners. In addition, as seminars for business owners hosted by financial institutions continued to be held online, we were unable to secure sufficient sales opportunities.」

「We also held online seminars with some regional financial institutions on topics including issues that managers should address in preparation for the post-COVID era, and received a positive response.」

「Cooperation with regional financial institutions as partners is important for expanding sales opportunities. Our activities, guided by the principle of putting others' interests before our own, have been highly regarded, and the number of regional financial institutions with which we have business partnerships increased by 33 over one year to 115. We will continue developing new partnerships and conducting sales activities on the basis of good relationships.」

「For F&M Club, we advanced the execution of new partnership agreements with regional financial institutions and other organizations. With financial institutions that already had partnerships in place, we sought to strengthen relationships through branch-level study sessions and joint sales visits, focusing on activities that generate tangible benefits for both sides and thereby expanding sales opportunities.」

「For F&M Club, the company strengthened cooperation with regional financial institutions and worked to increase sales opportunities by holding co-hosted seminars and study sessions at individual branches.」

「For F&M Club, we advanced the execution of new partnership agreements with regional financial institutions and other organizations. With financial institutions that already had partnerships in place, we focused on strengthening relationships through jointly hosted seminars, study sessions for bank employees and joint sales visits, thereby seeking to expand sales opportunities.」

「For F&M Club, we advanced the execution of new partnership agreements with regional financial institutions and other organizations. With financial institutions that already had partnerships in place, we focused on strengthening relationships by holding jointly hosted seminars and study sessions for bank employees, thereby seeking to expand sales opportunities.」

「For F&M Club, we advanced the execution of new partnership agreements with regional financial institutions and other organizations. With financial institutions that already had partnerships in place, we focused on strengthening relationships by holding jointly hosted seminars and study sessions for bank employees, thereby seeking to expand sales opportunities.」

「The Group strengthened cooperation with regional financial institutions and sought to expand sales opportunities by holding jointly hosted seminars and other events.」

「To increase the number of member companies, we focused on developing financial institution channels, strengthening cooperation with existing partner companies and local governments, and securing sales opportunities by holding jointly hosted seminars.」