Strengthening the Financial Business, Including Takashimaya Insurance, and Developing New Businesses

「At a meeting of the Board of Directors held on 15 October 2026, the Company resolved to establish an intermediate holding company through a company split, specifically a simplified incorporation-type company split, and to transfer to the intermediate holding company the shares held by the Company in 髙島屋ファイナンシャル・パートナーズ株式会社, ヴァスト・キュルチュール株式会社, 株式会社髙島屋クレイキャピタル and ほがらか信託株式会社. The split date, or effective date, is scheduled for 1 March 2027.」

「In the investment and lending business, the company began corporate lending by applying the expertise and corporate network developed through social lending. Revenue from the business has grown steadily as the number of borrowers and lending projects has expanded. Following the acquisition of ヴァスト・キュルチュール株式会社, which has strengths in the IFA (independent financial adviser) market, the company acquired a majority stake in 株式会社クレイリッシュ, which operates a corporate financial services business, in September last year.」

「In the life partner business, the company obtained a banking agency licence in March with 住信ＳＢＩネット銀行株式会社 as the principal bank, and began opening bank accounts and providing information on banking products at its financial counters. By adding banking products to securities, insurance, inheritances and trusts, the company is strengthening its ability to provide comprehensive financial advice through a broader range of products and services at its financial counters. In the investment and lending business, the company began corporate lending by applying the expertise developed through social lending and its network of corporate relationships, and is pursuing business expansion.」

「髙島屋ファイナンシャル・パートナーズ株式会社 obtained a banking agency licence with 住信ＳＢＩネット銀行 as the principal bank. It began providing information on banking products at the Takashimaya Financial Counters at the Nihombashi, Yokohama and Osaka stores, and is expanding comprehensive financial advice and services covering securities, insurance, inheritances and trusts.」

「In June this year, we acquired a majority of the shares of ヴァスト・キュルチュール株式会社 and made it a subsidiary. Through the acquisition, we will expand our business in the independent financial adviser (IFA) market, a potential growth area, and strengthen the financial services business by bringing IFA-related management expertise and personnel into the company.」

「To coincide with the new NISA system launched this year, we raised the monthly investment limit for “Takashimaya Card Accumulation” from ¥50,000 to ¥100,000 to promote its use. … In the social lending business, following the first fund in January and the second fund in February this year, we established the third fund in April. … In March this year, we newly entered into a partnership with 株式会社Fanta, which operates real estate investment and asset management businesses.」

「In October 2023, the social lending business entered into a business alliance with 株式会社バンカーズ, which has extensive experience and expertise in loan-based crowdfunding. Through this alliance, we will broaden the scope of products handled under the new name “Takashimaya Funding” and expand financial services revenue and customer touchpoints for the Group.」

「In the Life Partner business, which handles financial products, we will steadily generate profit by developing specialized personnel and expanding customer touchpoints by leveraging our strong customer base and locations.」

「In the Financial Counter business, in addition to the 3 existing locations at the Nihombashi, Yokohama and Osaka stores, we newly established a reservation-based Financial Desk (satellite office) at the Kyoto store and an insurance consultation booth at the Nihombashi store. We also held intensive in-person seminars for department store customers on life planning in the era of 100-year lifespans, investment trusts and inheritance planning. Increasing customer touchpoints led to the acquisition of new customers.」

「In June, we launched the “Takashimaya NeoBank” financial services app using “NEOBANK®” provided by 住信SBIネット銀行株式会社. The app enables users to conduct banking transactions and use “Sugo-tsumi,” a savings program for purchases at department stores. In September, we launched the “Takashimaya Points Investment” service, which allows users to earn and use Takashimaya points, through “Takashimaya Investment Trusts,” a financial instruments intermediary service provided in partnership with 株式会社SBI証券.」

「In June, the financial services business launched the “Takashimaya NeoBank” financial services app using “NEOBANK®” provided by 住信SBIネット銀行株式会社. The app enables users to conduct banking transactions and use “Sugo-tsumi,” a savings program for purchases at department stores. By adding banking functions to the products and services we provide, we will work to maximize customer lifetime value.」

「In the Financial Counter business, we are steadily increasing both the number of new-customer consultations and the number of contracts by actively implementing awareness-building measures in cooperation with sales floors, customer-attraction initiatives and various seminars across the 3 locations of Nihombashi, Yokohama and Osaka.」

「We will seek synergies between the card and financial services businesses by developing asset-building services that use card-based investment accumulation, group insurance through cards and the points ecosystem. In addition, by evolving and enhancing the functions of the financial services business in line with customer needs, including by establishing a lending business scheme, we will promote a new business expansion strategy.」

「The Financial Counter business expanded its store network, and the newly launched social lending business is also producing steady results. We will continue providing customer-oriented financial consulting services while increasing awareness and expanding orders.」

「Following the previous year’s Nihombashi store, we opened new “Takashimaya Financial Counters” at the Osaka and Yokohama stores, expanding customer convenience by establishing service locations in eastern and western Japan. During the period, we also launched a social lending business as a new financial services product.」

「Financial services are positioned as the Group’s third pillar after department stores and commercial development. We will invest in the foundations needed to promote the lending business and steadily grow the Financial Counter business. In lending, we will enter social lending (loan-based crowdfunding) and promote the development of new services with a view to attracting next-generation customers. For the Financial Counter business, we plan to add Financial Counters at the Osaka store in July and the Yokohama store in September of this year, … and will strengthen services tailored to customers by arranging financial product intermediation and trust services.」

「In financial services, 髙島屋クレジット株式会社 and 髙島屋保険株式会社 merged in March, giving rise to 髙島屋ファイナンシャル・パートナーズ株式会社. To launch new financial services within the Group, we registered as a financial instruments intermediary through our partnership with 株式会社SBI証券 and as a trust agreement agency through our partnership with ほがらか信託株式会社. In June, we opened the “Takashimaya Financial Counter” on the 8th floor of the main building of Nihombashi Takashimaya S.C., where we provide consultations on customers’ asset building and asset succession and launched a financial services business handling financial products.」

「In June, we opened the “Takashimaya Financial Counter” on the 8th floor of the main building of Nihombashi Takashimaya S.C. and launched a financial services business handling financial products, while providing consultations on customers’ asset building and asset succession.」

「To launch new financial services within the 髙島屋 Group, we registered as a financial instruments intermediary through our partnership with 株式会社SBI証券 and registered as a trust agreement agency through our partnership with ほがらか信託株式会社. The Group positions financial services as a growth area and will strengthen and expand businesses that leverage the department store customer base.」

「髙島屋保険株式会社 also worked to strengthen consultative sales, including by newly commencing insurance consultations at 髙島屋日本橋店 to expand operating revenue going forward.」

「髙島屋保険株式会社 had previously been classified under “Other,” but because the company adopted a policy of promoting new business development, including the company, to strengthen the financial services business, its segment classification was changed to “Financial Services” from the current first-quarter consolidated accounting period.」