Growing the Entrusted Business through Expanded Partnerships and Branch Expansion

「In addition, we will grant authority to execute contracts to a network of professionals, including tax accountant corporations, accounting firms, and insurance agencies, and establish a structure that enables personnel at partner companies to sell products of our group directly. As the foundation supporting this structure, we will create video-based contract explanations and establish a system in which AI provides real-time support for the specialist knowledge required to close sales, thereby creating an environment in which anyone can sell regardless of their level of specialist knowledge.」

「Based on continued expansion of investment in human resources, we advanced efforts to acquire new customers and improve contract renewal rates by making sales personnel productive sooner and strengthening sales support.」

「To improve market competitiveness, we strengthened efforts to acquire new customers by expanding sales resources through measures including expanding sales partners and increasing sales personnel.」

「To improve market-making capabilities, we will seek to expand the scale of credit risk underwriting by strengthening relationships with existing sales partners and expanding the sales network in order to underwrite large volumes of credit risk from counterparties that can withstand diversification.」

「Against this backdrop, the credit risk guarantee service continued to perform steadily. To improve market competitiveness, we increased sales personnel, strengthened sales offices, and improved the efficiency of sales activities by utilizing sales offices. By expanding sales resources, we strengthened efforts to acquire new customers.」

「To improve market competitiveness, we increased sales personnel, strengthened sales offices, and improved the efficiency of sales activities by utilizing sales offices. By expanding sales resources, we strengthened efforts to acquire new customers.」

「Against this backdrop, the credit risk guarantee service continued to perform steadily. To improve market competitiveness, we increased sales personnel, strengthened sales offices, and improved the efficiency of sales activities by utilizing sales offices. By expanding sales resources, we strengthened efforts to acquire new customers.」

「⑥ Expanding the customer base by increasing sales resources and improving the efficiency of sales activities In anticipation of an expected increase in demand for guarantee services, we will increase the number of sales personnel, seek to make them productive sooner by providing intensive training and introducing standardized sales methods, and work to expand sales resources. Against the backdrop of improved sales efficiency, we will strengthen efforts to acquire new customers who have not previously been reached, increase the number of small contracts to diversify the risk underwriting portfolio, and strengthen the sales structure to address expected growth in demand for guarantee services resulting from an increase in corporate bankruptcies, thereby promoting the penetration of guarantee services in corporate activities.」

「Against this backdrop, the credit risk guarantee service continued to perform steadily. To address growing demand for protection of receivables in response to uncertainty over the outlook resulting from the situation in Ukraine and increases in receivables due to rising prices, we strengthened our sales structure, including by increasing sales personnel. We also strengthened efforts to acquire regional customers who had not previously been reached by opening new offices and increasing the personnel assigned to each office.」

「Against this backdrop, the credit risk guarantee service continued to perform steadily. To address growing demand for protection of receivables in response to uncertainty over the outlook resulting from the situation in Ukraine and increases in receivables due to rising prices, we strengthened our sales structure, including by increasing sales personnel. We also strengthened efforts to acquire regional customers who had not previously been reached by opening new offices and increasing the personnel assigned to each office.」

「In anticipation of an expected increase in demand for guarantee services, we will increase the number of sales personnel and seek to make them productive sooner by providing intensive training and introducing standardized sales methods. We will also strengthen efforts to acquire regional customers who have not previously been reached by opening new offices and increasing the personnel assigned to each office.」

「We will seek to expand the scale of credit risk underwriting by strengthening relationships with existing partners and expanding the sales network.」

「Against this backdrop, the credit risk guarantee service continued to perform steadily. We developed new products tailored to growing customer needs resulting from the impact of COVID-19 and other factors and provided them in a timely manner, resulting in an increase in new contracts. In addition, inquiries increased from customers who had not previously considered using guarantee services, while efforts to enhance brand strength, including advertising and actively responding to media interview requests, broadened the base of customers using the guarantee service.」

「As sales activities were restricted by the impact of the state of emergency, we developed new products tailored to growing customer needs and provided them in a timely manner, resulting in an increase in new contracts. In addition, inquiries increased from customers who had not previously considered using guarantee services, while our efforts to raise awareness, including advertising and actively responding to media interview requests, broadened the base of customers using the guarantee service.」

「Although we have already established a nationwide sales network centered on regional banks, we will further strengthen relationships with partner regional banks, expand partnerships with companies in a range of industries outside the regional banking sector, and work to further expand the sales network.」

「Against this backdrop, the credit risk guarantee service continued to perform steadily. To increase new customers, we strengthened initiatives with sales channels and promoted the Web service for existing customers, resulting in an increase in requests to add covered entities and increase guarantee limits.」

「We pursued consultative sales, including proposals to improve the efficiency of companies’ credit management and receivables collection to increase new customers, while」

「Against this backdrop, the credit risk guarantee service continued to perform steadily. To increase new customers, we strengthened initiatives with sales channels and pursued consultative sales, including proposals to improve the efficiency of companies’ credit management and receivables collection through the use of our services.」

「Although we have already established a nationwide sales network centered on regional banks, we will expand partnerships with companies in a range of industries outside the regional banking sector and work to further expand the sales network.」

「Against this backdrop, the credit risk guarantee service continued to perform steadily. We pursued consultative sales, including proposals to reduce the workload involved in credit management and receivables collection by companies through the use of our services.」

「Against this backdrop, the credit risk guarantee service continued to perform steadily. To increase new customers, we strengthened initiatives with sales channels and pursued consultative sales, including proposals to reduce the administrative burden of credit management through the use of guarantees.」

「To increase the number of new customers, we strengthened our initiatives with sales channels and conducted consultative sales to address demand for outsourcing credit management operations amid the growing number of companies advancing work-style reforms.」

「To broaden the scope of our credit risk assumption business, we entered into partnerships with Bank of The Ryukyus,Limited and 3 other companies as new channels. We also conducted consultative sales, including setting detailed guarantee fee rates based on our advanced credit-screening capabilities, reapproaching customers we had contacted in the past and providing services tailored to customer needs.」

「To broaden the scope of our credit risk assumption business, we entered into partnerships with 近畿総合リース株式会社 and Bank of The Ryukyus,Limited as new channels. Against a backdrop of improved credit screening systems, we also conducted consultative sales, including setting detailed guarantee fee rates for each company according to its credit risk, reapproaching customers we had contacted in the past and providing services tailored to customer needs.」

「To increase the number of new customers, we strengthened our initiatives with sales channels and conducted consultative sales, including setting guarantee fee rates in detail for each company based on its credit risk, reapproaching customers we had contacted in the past, and providing services tailored to customer needs.」

「In this environment, while implementing measures to expand sales channels in order to broaden the scope of our credit risk assumption business, we worked to strengthen relationships with sales channels, including the 50 regional banks nationwide partnered with under the one-bank-per-prefecture strategy.」

「To broaden the scope of our credit risk assumption business, we entered into a partnership with Kameari Shinkin Bank as a new channel. We also worked to strengthen consultative sales in order to provide services tailored to customer needs.」

「While strengthening relationships with sales channels, including the 50 regional banks nationwide partnered with under the one-bank-per-prefecture strategy, we conducted consultative sales to provide services suited to periods of declining corporate bankruptcies and to meet demand for outsourcing credit operations.」

「To increase the number of new customers, we strengthened our initiatives with sales channels and expanded consultative sales tailored to the size of each customer company.」

「While further deepening relationships with existing partners, we will continue to actively expand our partner base and our nationwide sales network through the development of our own branches and other measures.」