Diversifying revenue sources through leasing, credit guarantees, and loans

「In the credit guarantee business, the company expanded free loans and mortgage guarantees for financial institutions, responded to diverse uses of funds and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities for the fiscal year was ¥1.0655 trillion, up 42.8% from the end of the previous fiscal year.」

「その結果、当連結会計年度における保証残高（金融保証負債控除前）は1兆655億円（前期末比42.8％増）となりました。」

「In the credit guarantee business, guarantees for free loans, housing loans and real estate-secured loans for financial institutions expanded. In addition to accommodating a diverse range of funding needs, we worked to establish close coordination systems with regional financial institutions and others. At the end of the interim consolidated accounting period, the guarantee balance for our free loan guarantees, housing loan guarantees and other products totaled ¥460.9 billion, up 12.1% from the end of the previous fiscal year, while the real estate-secured loan guarantee balance of 株式会社セゾンファンデックス was ¥713.8 billion, up 19.1%.」

「In the credit guarantee business, the company worked to expand mortgage guarantees for financial institutions, broadened its lineup of guarantee products and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥859.9 billion at the end of the interim period, up 15.2% from the end of the previous fiscal year.」

「In the credit guarantee business, mortgage guarantees for financial institutions performed strongly. The company expanded its lineup of guarantee products and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities for the fiscal year was ¥746.0 billion, up 33.7% from the end of the previous fiscal year, while the total number of partners was 404, unchanged from the end of the previous fiscal year.」

「In the credit guarantee business, mortgage guarantees for financial institutions performed strongly. The company expanded its lineup of guarantee products and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥644.8 billion at the end of the interim period, up 15.5% from the end of the previous fiscal year, while the total number of partners was 404, unchanged from the end of the previous fiscal year.」

「As a result, the guarantee balance before deducting financial guarantee liabilities for the fiscal year was ¥557.7 billion, up 30.6% from the end of the previous fiscal year, while the total number of partners was 404, up 2 from the end of the previous fiscal year.」

「In the credit guarantee business, mortgage guarantees for financial institutions performed strongly. The company expanded its lineup of guarantee products and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥521.0 billion at the end of the third quarter, up 22.0% from the end of the previous fiscal year, while the total number of partners was 403, up 1 from the end of the previous fiscal year. • From December 2023, the company began offering Saison Rent Guarantee: Foreign Nationals Plan, a rent guarantee plan that provides language support in customers’ native languages and, in cooperation with Suruga Bank Ltd., information on bank accounts exclusively for foreign nationals residing in Japan, in response to the needs of foreign students, workers and others whose numbers are expected to increase.」

「In the credit guarantee business, the company expanded its lineup of guarantee products through mortgage guarantees for financial institutions, launched in April 2022, and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥487.1 billion at the end of the second quarter, up 14.1% from the end of the previous fiscal year, while the total number of partners was 402, unchanged from the end of the previous fiscal year.」

「In the credit guarantee business, the company expanded its lineup of guarantee products through mortgage guarantees for financial institutions, launched in April 2022, and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥452.8 billion at the end of the first quarter, up 6.0% from the end of the previous fiscal year, while the total number of partners was 402, unchanged from the end of the previous fiscal year.」

「Going forward, in addition to Flat 35 and Saison Asset-Building Loans, the company will focus on entering new markets and diversifying its finance business, including the development of new real estate finance services for affluent customers, such as Saison Asset-Building Loans Premier, launched in February 2023, and Saison Real Estate Free Loans, launched in March 2023.」

「In the credit guarantee business, the company expanded its lineup of guarantee products through mortgage guarantees for financial institutions, launched in April 2022, and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥402.3 billion at the end of the third quarter, up 12.4% from the end of the previous fiscal year, while the total number of partners was 402, up 3 from the end of the previous fiscal year.」

「In the credit guarantee business, the company began offering mortgage guarantees for financial institutions in April 2022. While expanding its lineup of guarantee products for financial institutions, it continued promoting guarantee services for certificate-based free loans for individuals, with permitted uses expanded to include business funds, and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥383.8 billion at the end of the second quarter, up 7.2% from the end of the previous fiscal year, while the total number of partners was 401, up 2 from the end of the previous fiscal year.」

「In the credit guarantee business, the company newly began offering mortgage guarantees for financial institutions in April 2022. It also continued promoting guarantee services for certificate-based free loans for individuals, with permitted uses expanded to include business funds, and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥368.4 billion at the end of the first quarter, up 2.9% from the end of the previous fiscal year, while the total number of partners was 401, up 2 from the end of the previous fiscal year.」

「In the credit guarantee business, the company began offering the web-only small loan guarantee product for financial institutions to meet demand for small-value borrowing. It also continued promoting guarantee services for certificate-based free loans for individuals, with permitted uses expanded to include business funds, and worked to establish close coordination with regional financial institutions and others. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥347.8 billion at the end of the third quarter, up 5.4% from the end of the previous fiscal year, while the total number of partners was 399, down 2 from the end of the previous fiscal year.」

「In the credit guarantee business, amid the prolonged stagnation in personal consumption caused by COVID-19, the company worked to establish close coordination with regional financial institutions and others through guarantee services for certificate-based free loans for individuals, with permitted uses expanded to include business funds. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥340.4 billion at the end of the second quarter, up 3.2% from the end of the previous fiscal year, while the total number of partners was 399, down 2 from the end of the previous fiscal year.」

「In the credit guarantee business, amid the prolonged stagnation in personal consumption caused by COVID-19, the company worked to establish close coordination with regional financial institutions and others through guarantee services for certificate-based free loans for individuals, with permitted uses expanded to include business funds. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥332.0 billion at the end of the first quarter, up 0.6% from the end of the previous fiscal year, while the total number of partners was 401, unchanged from the end of the previous fiscal year. In June 2021, the company also began offering a web-only small loan guarantee product for financial institutions and launched other new initiatives.」

「In the credit guarantee business, the company continued to work to establish close coordination with regional financial institutions and others through guarantee services for certificate-based free loans for individuals, with permitted uses expanded to include business funds. However, the impact continued of partner financial institutions focusing on the government’s support for businesses because of COVID-19. As a result, the guarantee balance before deducting financial guarantee liabilities was ¥330.4 billion at the end of the third quarter, down 5.3% from the end of the previous fiscal year, while the total number of partners was 400, unchanged from the end of the previous fiscal year. In the finance-related business, the company worked to build high-quality assets by responding to partner needs, mainly through Flat 35 and Saison Asset-Building Loans.」

「In the credit guarantee business, the company worked to establish close coordination with regional financial institutions and others through guarantee services for certificate-based free loans for individuals, with permitted uses expanded to include business funds. However, as partner financial institutions suspended sales activities because of COVID-19 and focused on the government’s support for businesses, the guarantee balance before deducting financial guarantee liabilities was ¥332.0 billion at the end of the second quarter, down 4.8% from the end of the previous fiscal year, while the total number of partners was 400, unchanged from the end of the previous fiscal year. In the finance-related business, the company worked to build high-quality assets by responding to partner needs, mainly through Flat 35 and Saison Asset-Building Loans. Despite the closure of condominium sales galleries and other effects of COVID-19, the company promoted support for home purchases through Saison Mortgages, which include Flat 35, Flat 35PLUS, the Flat 35 bridging loan and Saison Renovation Loan, against the backdrop of the trust and reassurance associated with the Saison brand developed through member benefits and the credit card business. As a result, during the cumulative second quarter, the amount executed was ¥114.0 billion, down 7.6% year on year, and the loan balance, including ¥1.0162 trillion of receivables assigned to the Japan Housing Finance Agency, was ¥1.0443 trillion, up 8.7% from the end of the previous fiscal year. For Saison Asset-Building Loans, loans for purchasing investment condominiums, the company continued to coordinate with partner institutions. However, as partners suspended sales activities because of COVID-19 or operated with minimum staffing, the amount executed during the cumulative second quarter was ¥56.9 billion, down 7.7% year on year, while the loan balance was ¥664.6 billion, up 6.8% from the end of the previous fiscal year.」

「As a result of promoting support for home purchases through Saison Mortgages, which include Flat 35, Flat 35PLUS, the Flat 35 bridging loan and Saison Renovation Loan, against the backdrop of the trust and reassurance associated with the Saison brand developed through member benefits and the credit card business, the amount executed during the cumulative first quarter was ¥61.9 billion, up 18.5% year on year, and the loan balance, including ¥985.9 billion of receivables assigned to the Japan Housing Finance Agency, was ¥1.0084 trillion, up 4.9% from the end of the previous fiscal year. For Saison Asset-Building Loans, loans for purchasing investment condominiums, the company continued to coordinate with partner institutions. However, as partners suspended sales activities or operated with minimum staffing because of COVID-19, the amount executed during the cumulative first quarter was ¥29.3 billion, down 19.0% year on year, while the loan balance was ¥644.7 billion, up 3.6% from the end of the previous fiscal year.」

「Against the backdrop of the trust and reassurance associated with the Saison brand, developed through member benefits and the credit card business, the company promoted support for home purchases through the Saison Mortgage Package, which includes Flat 35PLUS, the Flat 35 bridging loan and Saison Renovation Loan. As a result, during the cumulative third quarter, the amount executed was ¥180.2 billion, up 15.3% year on year, and the loan balance, including receivables assigned to the Japan Housing Finance Agency, was ¥905.1 billion, up 18.4% from the end of the previous fiscal year.」

「Against the backdrop of the trust and reassurance associated with the Saison brand, developed through member benefits and the credit card business, the company promoted support for home purchases through the Saison Mortgage Package, which includes Flat 35PLUS, the Flat 35 bridging loan and Saison Home Assist Loan, a loan for incidental costs when purchasing a home. As a result, during the cumulative second quarter, the amount executed was ¥123.4 billion, up 16.2% year on year, and the loan balance, including receivables assigned to the Japan Housing Finance Agency, was ¥862.3 billion, up 12.8% from the end of the previous fiscal year.」

「In addition, on 24 June 2019, the company began handling Saison Platinum Flat, a product under the Japan Housing Finance Agency’s long-term mortgage securitisation business (guarantee type), as a new product in the Saison Mortgage Package lineup.」

「By providing a free-loan guarantee product structured as a certificate loan, with permitted uses expanded to include business funds, the company worked to establish close coordination with regional financial institutions and others. As a result, the total number of partner institutions during the cumulative third quarter was 405, up 1 from the same period of the previous year, while the guarantee balance before deducting the provision for losses on guarantees was ¥343.6 billion, up 0.3% from the end of the previous fiscal year.」

「• Against the backdrop of the trust and reassurance associated with the Saison brand, developed through member benefits and the credit card business, the company promoted support for home purchases through Flat 35 as a mortgage package that includes Saison Home Assist Loan, a loan for incidental costs when purchasing a home. As a result, during the cumulative second quarter, the number of loans executed was 3,665, up 25.9% year on year, the amount executed was ¥106.2 billion, up 25.4%, and the loan balance, including receivables assigned to the Japan Housing Finance Agency, was ¥674.5 billion, up 13.7% from the end of the previous fiscal year.」

「Against the backdrop of the trust and reassurance associated with the Saison brand, developed through member benefits and the credit card business, the company promoted support for home purchases through Flat 35 as a mortgage package that includes Saison Home Assist Loan, a loan for incidental costs when purchasing a home. As a result, during the cumulative first quarter, the number of loans executed was 1,823, up 32.6% year on year, the amount executed was ¥52.4 billion, up 29.8%, and the loan balance, including receivables assigned to the Japan Housing Finance Agency, was ¥633.1 billion, up 6.7% from the end of the previous fiscal year.」

「In the finance business, revenue increased, supported by entry into the rent guarantee business, growth in the credit guarantee balance to ¥345.2 billion, up 3.3% from the end of the previous fiscal year, through close coordination with partner financial institutions in both sales and administration, and contributions from Flat 35 and Saison Asset-Building Loans, which reflect the needs of partner institutions.」

「The company increased its guarantee balance to ¥342.0 billion, up 2.4% from the end of the previous fiscal year, through close cooperation with partner financial institutions in both sales and administration in the credit-guarantee business. Flat 35 and Saison asset-building loans, tailored to partner needs, also contributed to revenue, resulting in higher revenue.」

「In the finance business, in addition to entering the rent-guarantee business, the company increased its guarantee balance to ¥340.6 billion, up 1.9% from the end of the previous fiscal year, through close cooperation with partner financial institutions in both sales and administration in the credit-guarantee business. Flat 35 and Saison asset-building loans, tailored to partner needs, also contributed to revenue, resulting in higher revenue.」

「By using free-loan guarantee products whose permitted uses were expanded to include business-purpose financing, the company worked to build close cooperation frameworks with regional financial institutions and others. As a result, during the first quarter, the number of partners totaled 405, up 11 from the same period of the previous year, and the guarantee balance before deducting the provision for guarantee losses was ¥337.1 billion, up 0.9% from the end of the previous fiscal year. In addition, the company entered the rent-guarantee business in July 2017 and began handling Saison Rent Guarantee Rent Quick.」

「By using free-loan guarantee products whose permitted uses were expanded to include business-purpose financing, the company worked to build close cooperation frameworks with regional financial institutions and others. As a result, during the first 3 quarters, the number of partners totaled 401, up 11 from the same period of the previous year, and the guarantee balance before deducting the provision for guarantee losses was ¥325.5 billion, up 9.3% from the end of the previous fiscal year.」

「By using free-loan guarantee products whose permitted uses were expanded to include business-purpose financing, the company worked to build close cooperation frameworks with regional financial institutions and others. As a result, during the first half, the number of partners totaled 399, up 11 from the same period of the previous year, and the guarantee balance before deducting the provision for guarantee losses was ¥317.6 billion, up 6.6% from the end of the previous fiscal year.」

「By using free-loan guarantee products whose permitted uses were expanded to include business-purpose financing, the company worked to build close cooperation frameworks with regional financial institutions and others. As a result, during the first quarter, the number of partners totaled 394, up 12 from the same period of the previous year, and the guarantee balance before deducting the provision for guarantee losses was ¥305.3 billion, up 2.5% from the end of the previous fiscal year.」

「The company will diversify its revenue sources by providing financing functions aligned with market needs and strengthening relationships with partner companies, while building a business foundation as a non-bank resilient to changes in the operating environment.」