Overseas Businesses

PROMISE (HONG KONG) offers small unsecured and unguaranteed loans to individual customers, as we do in Japan, and has 13 staffed branches throughout Hong Kong. In response to recent growing needs for online transactions,PROMISE (HONG KONG) introduced an all-online service in November 2014 to strengthen its online application reception function. This is just one example of PROMISE (HONG KONG)’s efforts to quickly grasp customer needs and provide highly convenient services.

Based on our track record at PROMISE (HONG KONG), we established PROMISE(THAILAND) in 2004. PROMISE (THAILAND) operates 90 service points throughout Thailand and strives to enhance sales promotions through TV commercials and Internet advertising, aiming to become an accessible personal loan company.

After gaining experience in running PROMISE (HONG KONG) and PROMISE(THAILAND), we have established local subsidiaries in several cities in mainland China. In China, we use a service brand called Bo Min Kuai Yi Dai. In addition to local network expansion by sales staff, we are striving to improve customer convenience by promoting personal authentication on an online platform and the digitalization of contract documents, with the aim of providing services selected by local customers.

SMBC Consumer Finance places great emphasis on elevating the level of knowledge and skills of local employees to meet the needs of customers in each country and region. We conduct training in Japan on a regular basis, as well as other employee development programs such as training and seminars at each company. We provide training so that employees can observe the full spectrum of operations from sales to loan management in Japan, as well as various other types of training. At the same time, we have also introduced a program for Japanese employees to study abroad before they are dispatched to overseas subsidiaries. This program is designed to help them improve their language skills and their understanding of the culture and values of each region.