Establishing a Management Foundation for Expansion of the Guarantee Business and a New Growth Stage

「To advance our mission of promoting institutional guarantees as an alternative to the joint guarantor system, we have continued to take on new challenges to create additional corporate value and have implemented the following initiatives.」

「Under these business conditions, we are continuing to take on greater challenges to create new corporate value in order to advance our mission of promoting institutional guarantees as an alternative to the joint guarantor system」

「In sales, we pursued business alliances with new credit card companies and the development of ancillary products, while working to increase usage of various web functions, including automated billing. In receivables management, we reviewed the organizational structure by securing personnel to handle early-stage outstanding receivables and worked to strengthen the collection platform.」

「Under these business conditions, in sales we worked to secure new sources of revenue by pursuing business alliances with new credit card companies, developing ancillary products and expanding the scope of guarantees, while also working to increase usage of existing web and app functions. In receivables management, we focused on securing and developing personnel to control the ratio of current receivables and worked to further strengthen our collection platform.」

「In sales, in addition to advance-payment products, we focused on selling delinquency-reporting products using JICC, a designated credit information agency, and worked to improve the top line. We also pursued initiatives to introduce and expand sales of new and ancillary products.」

「For the cumulative second quarter period, operating revenue was ¥2,217,062 thousand, up 9.1% year on year. Operating income was ¥274,039 thousand, up 11.8%; ordinary income was ¥325,861 thousand, up 7.4%; profit before tax for the quarter was ¥325,861 thousand, up 7.4%; and net income for the quarter was ¥217,803 thousand, up 7.2%.」

「Operating revenue increased 4.7% year on year, reaching 103.3% of the initial plan, or a 3.3% increase, broadly in line with the plan. Operating expenses increased only modestly as productivity improved through greater operating efficiency driven by DX initiatives, including the restraint of overtime hours. Operating income, ordinary income and net income exceeded the plan.」

「Against this business backdrop, the Company worked to strengthen sales activities, including visits, acquire new member stores, strengthen and expand sales activities such as activating new accounts and reactivating existing accounts, and collaborate with new business partners. As a result, operating revenue for the cumulative third quarter was ¥3,068.292 million, up 10.7% year on year.」

「The Company worked to acquire new member stores and expand new sales channels through in-person and online sales activities tailored to the status of the infectious disease.」

「Operating revenue for the fiscal year was ¥3,946.730 million, up 11.4% year on year, as the guarantee balance increased due to product diversification and an increase in the number of new guarantees executed for existing member stores, despite the impact of the COVID-19 pandemic.」

「As a key initiative, the Company adopted “Improving the top line and promoting the brand.” It worked to develop new markets by providing product plans tailored to diversifying market needs and trained personnel capable of embodying the Anshin brand.」

「Against this business backdrop, the Company focused on strategic workforce expansion and training for young employees to expand the scope of its business, while strengthening proposals for product plans that meet customer needs and developing new member stores through new plans to improve its top line.」

「Against this business backdrop, the Company established an organizational structure focused on sales to improve its top line, strengthened the development of member stores and sales to existing member stores, and worked to develop new markets through new products.」

「Against this business backdrop, the Company focused on developing member stores and sales to existing member stores to improve its top line and establish the Anshin brand, while strengthening sales of its own guarantee products and products developed in partnership with card companies in response to customer needs.」

「As a key initiative, the Company adopted “Rebuilding the growth strategy to improve top-line growth.” As part of its brand strategy, it worked to improve brand awareness by refreshing its corporate logo, expand channels for developing new member stores through alliances with providers of essential infrastructure, and introduce guarantee products reflecting market trends and needs. It also promoted operational productivity improvements through the release of a new core system. Operating revenue increased to ¥3,182.718 million, up 16.1% year on year. Operating profit was ¥274.946 million, up 206.1%, ordinary profit was ¥340.045 million, up 111.4%, and net profit was ¥209.066 million, up 115.8%.」

「The Company worked to expand transactions with existing member stores and strengthen the development of new member stores, while expanding sales channels through increased sales of partner card products and its own guarantee products. In receivables management, it also worked to strengthen its credit management systems.」

「Against this business backdrop, the Company continued developing member stores and strengthening sales to existing member stores, while focusing on developing products to open up new markets.」

「Against this business backdrop, the Company focused on developing new member stores and sales to existing member stores, while strengthening sales of its own guarantee products and products developed in partnership with card companies based on customer needs. It also focused on improving productivity through the launch of a new system and enhanced employee training.」

「Against this business backdrop, the Company enhanced its product lineup in response to customer needs, including nationwide sales of products for students and stronger sales of products for storage facilities, while developing new member stores and strengthening sales to existing member stores. It also strengthened employee training for young and mid-career employees to develop personnel capable of supporting higher productivity and business expansion. As a result, for the cumulative third quarter, operating revenue was ¥1,856.504 million, up 16.2% year on year, operating profit was ¥53.922 million, down 51.4%, ordinary profit was ¥106.021 million, down 31.4%, and quarterly net profit was ¥57.602 million, down 39.2%.」

「Against this business backdrop, the Company strengthened sales to member stores by increasing its workforce, enhanced its product lineup in response to customer needs, and began providing a new service combining rent guarantees with electricity bill guarantees. As an upfront investment, the Company also strengthened recruitment and training for business expansion and actively developed infrastructure, including the next core system. As a result, for the cumulative second quarter, operating revenue was ¥1,269.581 million, up 15.3% year on year, operating profit was ¥34.768 million, down 67.5%, ordinary profit was ¥69.295 million, down 48.7%, and quarterly net profit was ¥38.877 million, down 54.1%.」

「Against this business backdrop, the Company strengthened transactions with existing member stores and developed new member stores to expand sales of partner products and products for students, diversified its products through the development of new products, and strengthened strategic recruitment and training systems to support business expansion. As a result, for the cumulative first quarter, operating revenue was ¥695.526 million, up 15.9% year on year, operating profit was ¥24.800 million, down 68.2%, ordinary profit was ¥42.424 million, down 55.1%, and quarterly net profit was ¥24.698 million, down 59.5%.」

「In addition to increasing sales of existing products such as Life Anshin Plus and Anshin Plus, the Company added Aplus Anshin Rent Guarantee, developed through a business alliance with Aplus Co., Ltd.; AEON Card de Rent, a service combining AEON Card rent payments with the Company’s rent guarantees; and products such as guarantee products for students and products for storage facilities to its new product lineup. While responding to increasingly diverse needs, the Company actively pursued sales activities and conducted an aggressive recruitment drive to enhance and strengthen its sales and administrative systems. As a result, for the fiscal year, operating revenue was ¥2,323.660 million, up 6.9% year on year, operating profit was ¥264.279 million, down 0.1%, ordinary profit was ¥326.386 million, up 1.4%, profit before income taxes was ¥326.386 million, up 1.4%, and net profit was ¥216.686 million, down 3.3%.」

「Against this business backdrop, the Company worked to expand transactions with existing member stores and actively develop new member stores, while expanding sales channels through initiatives including sales of the Student Anshin Support Pay guarantee product. As a result, for the cumulative third quarter, operating revenue was ¥1,597.005 million, up 6.2% year on year, operating profit was ¥111.015 million, up 26.7%, ordinary profit was ¥154.587 million, up 20.1%, and quarterly net profit was ¥94.746 million, up 24.6%.」

「Against this business backdrop, the Company established a sales office in July in Okinawa, a strategically important location, and actively worked to expand sales channels through product diversification, including expanding transactions with existing member stores, developing new member stores, and pursuing the provision of a service combining AEON Card rent payments with the Company’s rent guarantees. As a result, for the cumulative second quarter, operating revenue was ¥1,101.186 million, up 8.4% year on year, operating profit was ¥106.999 million, up 191.1%, ordinary profit was ¥135.114 million, up 68.6%, and quarterly net profit was ¥84.707 million, up 61.7%.」

「Against this business backdrop, the Company actively worked to expand transactions with existing member stores, develop new member stores, and expand new sales channels through product diversification, including the development of the new Aplus Anshin Rent Guarantee product. As a result, for the cumulative first quarter, operating revenue was ¥599.977 million, up 11.6% year on year, operating profit was ¥77.873 million, up 41.0%, ordinary profit was ¥94.482 million, up 41.5%, and quarterly net profit was ¥61.009 million, up 52.7%.」

「The Company aims to establish a robust management platform for a new growth stage and to build and strengthen systems to expand results and ensure the proper conduct of operations.」