Improving utilization through sales staffing, sales expertise and merchant relationships

「Credit transaction volume recovered to positive growth, up 4.2% year on year, contributing to the expansion of the credit-receivables balance」

「The Group continues to develop new merchant agreements with auto dealers, particularly used-car retailers, and to reactivate existing merchants and promote conversion to paid membership through sales offices in major cities nationwide and contact centers specializing in outbound sales. Individual credit applications from customers have also continued to increase as a result of measures including handling long-term credit, improving the efficiency of sales channels through system use, and promoting paperless contracts.」

「In the finance business, transaction volume growth temporarily slowed because new applications were suspended for a short period during the switchback to the legacy system, collection operations were prioritized, and interest rates were raised. On the other hand, efforts to retain customers through Car Premium Club membership and improved support capacity through back-office staff expansion proved effective. Credit transaction volume was therefore slightly above the previous year, while operating revenue was ¥11,787 million, up 15.0% year on year, and operating profit was ¥1,998 million, down 33.9%.」

「The finance business made steady progress in converting auto dealerships into paid members and improving utilization rates among existing merchants. Combined with improved support capacity following back-office staff expansion, this resulted in credit transaction volume remaining above the previous year, operating revenue of ¥10,245 million, up 21.7% year on year, and operating profit of ¥3,020 million, up 42.2%.」

「In addition, efficiency gains in collecting overdue receivables through staff expansion and the introduction of system tools as part of digital transformation, together with the continued strengthening of collection operations through collaboration with consolidated subsidiary 中央債権回収株式会社, contributed to operating revenue of ¥17,810 million, up 18.6% year on year, and operating profit of ¥4,699 million, up 40.2%.」

「With the shift of merchant agreement procedures online and the recovery in used-car market registrations, transaction volume in the second half recovered to the same level as in the previous fiscal year. Operating revenue was ¥12,080 million, up 24.3% year on year.」

「Operating revenue in the credit business was ¥9,647,696 thousand, up 19.2% from the previous consolidated fiscal year. Utilization improved through close relationships with used-car retailers that had entered into dealer agreements. The company also expanded and opened new sales offices to develop previously untapped sales channels.」

「Operating revenue in the credit business was ¥7,031,922 thousand, up 18.2% year on year, as the number of dealers increased and close relationships were built with dealers, supported by continued favorable funding conditions, increases in sales staff and ongoing initiatives to improve sales skills.」

「Operating revenue in the credit business was ¥4,573,614 thousand, up 15.7% year on year, as the number of dealers increased and close relationships were built with dealers, supported by continued favorable funding conditions, increases in sales staff and ongoing initiatives to improve sales skills.」

「Operating revenue in the credit business was ¥2,157,829 thousand, up 11.3% year on year, as the number of dealers increased and close relationships were built with dealers, supported by continued favorable funding conditions, increases in sales staff and ongoing initiatives to improve sales skills.」

「Operating revenue in the credit business was ¥8,094,867 thousand, up 17.6% from the previous consolidated fiscal year, as utilization improved through close relationships with auto business partners that had entered into dealer agreements, against a backdrop of continued favorable funding conditions, increases in sales staff and ongoing initiatives to improve sales skills.」

「Operating revenue in the credit business was ¥5,947,049 thousand, up 17.8% year on year, as the number of dealers increased and utilization improved through close relationships with dealers, supported by continued favorable funding conditions, increases in sales staff and ongoing initiatives to improve sales skills.」

「Operating revenue in the credit business was ¥3,952,553 thousand, up 16.9% year on year, as the number of dealers increased and utilization improved through close relationships with dealers, supported by continued favorable funding conditions, increases in sales staff and ongoing initiatives to improve sales skills.」

「Operating revenue in the credit business was ¥1,938,534 thousand, up 14.8% year on year, as utilization improved through close relationships with dealers, supported by continued favorable funding conditions, increases in sales staff and ongoing initiatives to improve sales skills.」

「Operating revenue in the credit business was ¥6,885,212 thousand, up 14.6% from the previous consolidated fiscal year, as utilization improved through close relationships with auto business partners that had entered into dealer agreements, against a backdrop of continued favorable funding conditions, increases in sales staff and ongoing initiatives to improve sales skills.」

「Operating revenue in the credit business was ¥5,046,712 thousand, up 12.6% year on year, as utilization improved through close relationships with dealers, supported by continued favorable funding conditions, increases in sales staff and ongoing initiatives to improve sales skills.」