Finance Business

PROMISE is one of our financing business arms. Its main offering is Free Cashing (revolving loans), which meets the various borrowing needs of individual customers. Other offerings include Card Loans for the Self-employed, which meet the funding needs of self-employed individuals, and Consolidation Loans, which aim to ease the burden on those who are repaying multiple loans In recent years, we have introduced various new services, including App Loans using our official app Promise as a platform, the V Point system, a shared point reward service for the SMBC Group, and issuance of Promise Visa cards with a credit function provided by Sumitomo Mitsui Card Co., Ltd. In October 2023, we renewed our brand logo and slogan and launched new advertising to embody our new brand concept of supporting everyone’s lifestyle (Promise = Lifestyle Support Brand). Starting in January 2024, in order to respond to customers’ financial needs more quickly and enhance convenience, we have introduced a “digital screening” service that completely digitizes the process from application to borrowing. Furthermore, in March 2025, we introduced digital identity verification using My Number Card authentication and a function to obtain income information through the Mynaportal API, which has enhanced identity verification and enabledfaster screening. In March 2026, we introduced a new feature allowing customers to fund their PayPay accounts directly at the time of borrowing to better meet their cashless payment needs, reflecting our ongoing commitment to enhancing customerconvenience.

We have established a network of various channels in order to promptly meet the needs of customers wishing to use services anytime and anywhere with peace of mind, as well as the expectations of potential customers who have concerns about borrowing money and consultations regarding repayment. At our Customer Service Centers, we receive and screen loan applications and provide consultation and guidance on borrowing and repayment through contactless channels, including the Internet, automated loan contracting machines,and telephone. At the Centers, we sincerely listen to the voice of each customer, pursue optimal solutions tailored to individual customer needs, and strive to deliver customer experience value that exceeds expectations. The Customer Support Center offers customer-oriented repayment consultations. It is also in charge of the management and collection of overdue loans in the financing business and reimbursement claims in the cooperation business and of the handling of legal matters. By pursuing “genuine repayment consultation” to understand the situation and needs of customers, address their repayment concerns head-on, and provide proposals and guidance to resolve their problems, the Center aims to support customers both today and in the future.