FY2027-H1First statedAnnual report
「N Credit Finance Co., Ltd. operates financial businesses including credit, business-to-business accounts receivable settlement, lending and collection services. Because its business involves credit assessment, guarantees and lending, the Nojima team’s operating results and financial position could be affected if loan losses exceed expectations due to an economic downturn or if funding costs increase because of higher market interest rates.
The company is also subject to legal regulations including the Installment Sales Act and the Money Lending Business Act. Violations could result in administrative action, while system failures or leakage of customer information could lead to claims for damages and other liabilities.
In addition, the Nojima team’s operating results and financial position could be affected if transactions with existing customers do not continue as expected following the change of corporate name or if synergies from integrating sales and financial services do not materialise as expected.」
Following the consolidation of N Credit Finance, the Company identified new risks including loan losses, higher funding costs due to rising interest rates, regulations under the Installment Sales Act and Money Lending Business Act, system failures and information leakage, continuation of transactions with existing customers, and failure to realise synergies from integrating sales and financial services.