Deepening the Financial Services Business

「As of the end of March 2026, the number of deposit accounts held by individual customers was 3,500 thousand, up 4.1% from the end of March 2025. Personal deposits totaled ¥652.4 billion, up 7.3%, and the balance of personal loans was ¥79.2 billion, up 30.8%. Cumulative transaction value under the Seven Bank deferred payment service during the fiscal year totaled ¥103.5 billion, up 35.5% year on year.」

「As of the end of September 2025, the number of deposit accounts held by individual customers was 3,443 thousand, up 8.4% from the end of September 2024. Personal deposits totaled ¥620.7 billion, up 2.3%, and the balance of personal loans was ¥70.3 billion, up 37.0%. Transaction value under the Seven Bank deferred payment service during the six months ended September 2025 totaled ¥49.4 billion, up 40.0% year on year.」

「The number of deposit accounts held by individual customers increased steadily to 3,175 thousand, up 10.3% from the end of September 2023. Personal deposits totaled ¥606.5 billion, up 2.8%, and the balance of personal loans was ¥51.3 billion, up 30.1%. Transaction value under the Seven Bank deferred payment service during the six months ended September 2024 totaled ¥35.3 billion, up 22.7% year on year.」

「As of the end of March 2024, the number of deposit accounts held by individual customers increased steadily to 3,037 thousand, up 10.2% from the end of March 2023. Personal deposits totaled ¥598.3 billion, up 3.9%. The balance of personal loans was ¥44.3 billion as of the end of March 2024, up 26.2%. Cumulative transaction value under the Seven Bank deferred payment service during the fiscal year totaled ¥60.6 billion, up 32.0% year on year.」

「As of the end of December 2023, the number of deposit accounts held by individual customers increased steadily to 2,964 thousand, up 10.1% from the end of December 2022. Personal deposits totaled ¥603.6 billion, up 4.4%. The balance of personal loans was ¥41.1 billion as of the end of December 2023, up 26.0%. Transaction value under the Seven Bank deferred payment service during the nine months ended December 2023 totaled ¥44.5 billion.」

「As of the end of September 2023, the number of deposit accounts held by individual customers increased steadily to 2,876 thousand, up 9.7% from the end of September 2022. Personal deposits totaled ¥589.8 billion, up 4.7%, and the balance of personal loans was ¥39.4 billion, up 27.1%.」

「The number of deposit accounts held by individual customers increased steadily to 2,826 thousand, up 9.2% from the end of June 2022. Personal deposits totaled ¥585.1 billion, up 4.8%, and the balance of personal loans was ¥37.3 billion, up 25.9%. Transaction value under the Seven Bank deferred payment service during the three months ended June 2023 totaled ¥13.9 billion, up 31.8% year on year.」

「As of the end of March 2023, the number of deposit accounts held by individual customers increased steadily to 2,755 thousand, up 8.9% from the end of March 2022. Personal deposits totaled ¥575.6 billion, up 4.5%. The balance of personal loans was ¥35.1 billion as of the end of March 2023, up 25.1%. Cumulative transaction value under the Seven Bank deferred payment service during the fiscal year totaled ¥45.9 billion, up 118.7% year on year. In November 2022, the Company began offering Korekabu, a securities trading service through the My Seven Bank app for Seven Bank account holders, jointly with 株式会社スマートプラス.」

「As of the end of December 2022, the number of deposit accounts held by individual customers increased steadily to 2,690 thousand, up 8.3% from the end of December 2021. Personal deposits totaled ¥578.0 billion, up 4.6%. The balance of personal loans was ¥32.6 billion as of the end of December 2022, up 22.8%. Transaction value under the Seven Bank deferred payment service during the nine months ended December 2022 totaled ¥33.1 billion.」

「As of the end of September 2022, the number of deposit accounts held by individual customers increased steadily to 2,621 thousand, up 7.3% from the end of September 2021. Personal deposits totaled ¥563.2 billion, up 4.8%. The balance of personal loans exceeded ¥30.0 billion in August 2022 and stood at ¥31.0 billion as of the end of September, up 20.0%. Transaction value under the Seven Bank deferred payment service during the six months ended September 2022 totaled ¥21.5 billion.」

「The number of deposit accounts held by individual customers increased steadily to 2,585 thousand, up 7.0% from the end of June 2021. Personal deposits totaled ¥558.1 billion, up 5.4%, and the balance of personal loans was ¥29.6 billion, up 17.6%. Transaction value under the Seven Bank deferred payment service during the three months ended June 2022 totaled ¥10.6 billion. The Company regards contributing to the resolution of social issues emerging and intensifying with changes in society as a business opportunity and aims to provide new financial services tailored to a wide range of customer needs, drawing on its accumulated expertise and collaborating with external companies.」

「The My Seven Bank smartphone app has been highly rated for its simple, user-friendly UI/UX in addition to its instant account-opening service, which supports online identity verification and allows accounts to be opened in as little as 10 minutes. As of the end of March 2022, cumulative downloads totaled 1.51 million. The number of deposit accounts held by individual customers increased steadily to 2,528 thousand, up 6.9% from the end of March 2021. Personal deposits totaled ¥550.7 billion, up 6.1%, and the balance of personal loans was ¥28.0 billion, up 15.3%.」

「The My Seven Bank smartphone app has been highly rated for its simple, user-friendly UI/UX in addition to its instant account-opening service, which supports online identity verification and allows accounts to be opened in as little as 10 minutes. As of the end of December 2021, cumulative downloads totaled 1.2 million. The number of deposit accounts held by individual customers increased steadily to 2,484 thousand, up 7.5% from the end of December 2020. Personal deposits totaled ¥552.2 billion, up 6.9%, and the balance of personal loans was ¥26.5 billion, up 13.9%.」

「The My Seven Bank smartphone app has been highly rated for its simple, user-friendly UI/UX in addition to its instant account-opening service, which supports online identity verification and allows accounts to be opened in as little as 10 minutes. As of the end of September 2021, cumulative downloads totaled 940 thousand. The number of deposit accounts held by individual customers increased steadily to 2,442 thousand, up 8.3% from the end of September 2020. Personal deposits totaled ¥536.9 billion, up 7.5%, and the balance of personal loans was ¥25.8 billion, up 13.1%. The Seven Bank deferred payment service began on 21 September 2021.」

「The My Seven Bank smartphone app has been highly rated for its simple, user-friendly UI/UX in addition to its instant account-opening service, which supports online identity verification and allows accounts to be opened in as little as 10 minutes. As of the end of June 2021, cumulative downloads totaled 770 thousand. The number of deposit accounts held by individual customers increased steadily to 2,415 thousand, up 8.7% from the end of June 2020. Personal deposits totaled ¥529.2 billion, up 8.5%, and the balance of personal loans was ¥25.1 billion, up 11.0%.」

「In cooperation with 株式会社アプラス, 株式会社Ｃｒｅｄｄ　Ｆｉｎａｎｃｅ began selling Sendy Credit Card, a credit card for foreign residents, in August 2020 and Sendy Personal Loan, a purpose-specific loan for foreign residents, in October 2020. In March 2021, the Company's consolidated subsidiary 株式会社セブン・グローバルレミット began providing Sendy, an overseas remittance service through a smartphone app.」

「The Company regards contributing to the resolution of social issues emerging from changes in society as a business opportunity. It has identified individuals, foreign residents, BPO, security and corporate customers as its 5 priority areas and aims to provide new financial services tailored to a wide range of customer needs, drawing on its accumulated expertise and collaborating with external companies. 株式会社Ｃｒｅｄｄ　Ｆｉｎａｎｃｅ, a consolidated subsidiary and joint venture with 株式会社新生銀行 in which the Company holds a 60% stake, began selling Sendy Personal Loan, a purpose-specific loan for foreign residents, jointly with 株式会社アプラス in October 2020 to improve the convenience of daily life in Japan for foreign residents.」

「The Company regards contributing to the resolution of emerging social issues arising from changes in society as a business opportunity. It has identified individuals, foreign residents, BPO, security and corporate customers as its 5 priority areas and aims to provide new financial services tailored to the needs of a wide range of customers, drawing on its accumulated expertise and collaborating with external companies.」

「The My Seven Bank smartphone app has offered an instant account-opening service since April 2020, supporting online identity verification under the Enforcement Regulations for the Act on Prevention of Transfer of Criminal Proceeds, which came into force on 30 November 2018, and allowing accounts to be opened in as little as 10 minutes. As a result of these initiatives, as of the end of June 2020, the number of deposit accounts held by individual customers had increased to 2,221 thousand, up 8.1% from the end of June 2019.」

「As of the end of the fiscal year, the number of deposit accounts held by individual customers was 2,179 thousand, up 8.8% from the end of the previous fiscal year. Personal deposits totaled ¥458.6 billion, up 5.5%, and the balance of personal loans was ¥23.2 billion, up 2.6%. The number of cash cards with debit functionality increased steadily, partly due to the Company's participation as a registered payment service provider in the Cashless and Consumer Rebate Program, reaching 602 thousand, up 24.2%. The overseas remittance service saw steady increases in both contracted accounts and remittance transactions, recording 1,214 thousand transactions during the fiscal year, up 6.1% year on year. Drawing on expertise gained through the overseas remittance service, the Company established 株式会社セブン・グローバルレミット, a wholly owned consolidated subsidiary operating a funds transfer business for foreign residents, and 株式会社Ｃｒｅｄｄ　Ｆｉｎａｎｃｅ, a consolidated subsidiary operating a money-lending and related business with a 60% investment ratio, and advanced preparations for the start of operations.」

「As of the end of December 2019, the number of deposit accounts held by individual customers was 2,142 thousand, up 9.3% from the end of December 2018. Deposits totaled ¥463.0 billion, up 6.8%, and the balance of personal loans was ¥22.8 billion, up 1.2%. The number of cash cards with debit functionality increased steadily, partly due to the Company's participation as a registered payment service provider in the Cashless and Consumer Rebate Program, reaching 575 thousand, up 28.2%. The overseas remittance service saw steady increases in both contracted accounts and remittance transactions, with 921 thousand transactions during the nine months ended December 2019, up 5.9% year on year. The Company also established 株式会社セブン・グローバルレミット and continued preparations for the start of operations.」

「As of the end of September 2019, the number of deposit accounts held by individual customers was 2,087 thousand, up 9.6% from the end of September 2018. Deposits totaled ¥444.3 billion, up 6.5%, and the balance of personal loans was ¥22.9 billion, up 0.5%. The number of cash cards with debit functionality increased steadily, partly due to the Company's participation as a registered payment service provider in the Cashless and Consumer Rebate Program, reaching 543 thousand, up 32.7%. The overseas remittance service saw steady increases in both contracted accounts and remittance transactions, with 593 thousand transactions during the six months ended September 2019, up 6.7% year on year. In addition, drawing on expertise gained through the overseas remittance service, the Company established 株式会社セブン・グローバルレミット as a wholly owned consolidated subsidiary to operate a funds transfer business and provide foreign residents with financial services infrastructure for daily life.」

「As of the end of June 2019, the number of deposit accounts held by individual customers was 2,054 thousand, up 9.5% from the end of June 2018. Personal deposits totaled ¥441.8 billion, up 6.4%, while the balance of personal loans was ¥22.8 billion, down 0.0%. The overseas remittance service, which has earned high praise from the growing number of foreign residents as a reliable and convenient way to send money to their home countries, recorded 291 thousand transactions during the three months ended June 2019, up 7.1% year on year. The Company established 株式会社セブン・グローバルレミット to operate a funds transfer business and provide foreign residents with financial services infrastructure for daily life.」

「From the fiscal year under review, 株式会社セブン・ペイ, established through a joint investment with 株式会社セブン・フィナンシャルサービス, was newly included in the scope of equity-method accounting. TORANOTEC株式会社 and TORANOTEC投信投資顧問株式会社 were also newly included in the scope of equity-method accounting through share acquisitions and other transactions.」

「As of the end of the fiscal year, the number of deposit accounts held by individual customers exceeded 2 million, reaching 2,001 thousand, up 9.5% from the end of the previous fiscal year. Personal deposits totaled ¥434.6 billion, up 6.1%, while the balance of personal loans was ¥22.6 billion, down 0.1%. The overseas remittance service, which has earned high praise from the growing number of foreign workers as a reliable and convenient way to send money to their home countries, recorded 1,144 thousand transactions during the fiscal year, up 6.0% year on year.」

「Liabilities totaled ¥1,011,023 million. Deposits accounted for the majority of liabilities, with deposits excluding negotiable certificates of deposit totaling ¥744,090 million. Personal ordinary deposits totaled ¥291,822 million and time deposits totaled ¥141,463 million.」

「Liabilities totaled ¥884,637 million. Deposits accounted for the majority of liabilities, with deposits excluding negotiable certificates of deposit totaling ¥677,417 million. Of this amount, personal ordinary deposits totaled ¥278,836 million and time deposits totaled ¥138,231 million.」

「During the six months ended September 2017, the Company established 株式会社セブン・ペイ through a joint investment with 株式会社セブン・フィナンシャルサービス, with the Company's investment ratio at 30%, and newly made it an equity-method affiliate.」

「Existing services, including personal loans and overseas remittances, continued to generate steady revenue growth. In addition, to further broaden the customer base using the Company's services, preparations are under way to provide financial services such as digital payments in cooperation with the Seven & i Group's CRM and digital strategy.」

「As of the end of December 2017, the number of deposit accounts held by individual customers was 1,796 thousand, up 6.2% from the end of the previous fiscal year. Deposits totaled ¥415.6 billion, up 4.7%. The balance of personal loans was ¥22.2 billion, up 12.2%. The overseas remittance service saw steady increases in both contracted accounts and remittance transactions, particularly among foreign customers. Remittance transactions during the nine months ended December 2017 totaled 818 thousand, up 10.8% year on year.」

「As of the end of September 2017, the number of deposit accounts held by individual customers was 1,752 thousand, up 3.6% from the end of the previous fiscal year. Deposits totaled ¥401.3 billion, up 1.1%, and the balance of personal loans was ¥22.0 billion, up 11.3%. The overseas remittance service saw increases in both contracted accounts and remittance transactions, with 521 thousand transactions during the six months ended September 2017, up 9.6% year on year.」

「As of the end of June 2017, the number of deposit accounts held by individual customers was 1,732 thousand, up 2.5% from the end of the previous fiscal year. Deposits totaled ¥399.5 billion, up 0.6%, and the balance of personal loans was ¥21.1 billion, up 6.8%. The overseas remittance service saw steady increases in both contracted accounts and remittance transactions, particularly among foreign customers. Remittance transactions during the three months ended June 2017 totaled 255 thousand, up 10.4% year on year.」

「As of the end of March 2017, the number of deposit accounts held by individual customers was 1,690 thousand, up 8.1% from the end of the previous fiscal year. Deposits totaled ¥396.8 billion, up 1.8%, and the balance of personal loans was ¥19.8 billion, up 22.3%. In October 2016, the Company began issuing cash cards with debit functionality so that customers could use their accounts as a more convenient and accessible alternative to a wallet.」

「As of the end of December 2016, the number of deposit accounts held by individual customers was 1,654 thousand, up 5.9% from the end of the previous fiscal year, while deposits totaled ¥408.3 billion, up 4.7%. The balance of personal loans was ¥18.5 billion, up 14.6%. The overseas remittance service saw steady increases in both contracted accounts and remittance transactions, particularly among foreign customers. Remittance transactions during the nine months ended December 2016 totaled 738 thousand, up 22.1% year on year.」

「As of the end of September 2016, the number of deposit accounts held by individual customers was 1,609 thousand, up 2.9% from the end of the previous fiscal year. Deposits totaled ¥395.5 billion, up 1.4%, and the balance of personal loans was ¥17.9 billion, up 10.7%. The overseas remittance service saw increases in both contracted accounts and remittance transactions, with 475 thousand transactions during the six months ended September 2016, up 24.1% year on year.」

「As of the end of June 2016, the number of deposit accounts held by individual customers was 1,598 thousand, up 2.2% from the end of the previous fiscal year, while deposits were ¥393.0 billion, up 0.8%. The balance of personal loans was ¥17.0 billion, up 5.4%. The number of contracted accounts and remittance transactions for the international remittance service, mainly used by foreign nationals, both increased steadily, with remittance transactions during the first quarter of the current fiscal year reaching 231 thousand, up 27.2% from the same period of the previous fiscal year.」

「In the financial services business, the company will work to improve the convenience of its accounts and provide products and services that meet financial services and payment needs in line with the Group's omnichannel strategy. For its international remittance service, the company will further expand usage by improving convenience and providing services that capitalize on its distinctive strengths. For its personal loan service, it will seek to increase the number of contracted accounts by raising awareness. It will also work to expand cash deposit services for sales proceeds using ATMs.」