Credit Saison Co., Ltd. · TSE:8253

Credit Saison — Q1 FY2025 Earnings Presentation

28 slides from Credit Saison's earnings presentation, Aug 14, 2025

Slide 1: FY2025 1Q Summary of Financial Results
FY2025 1Q 決算概況資料 Summary of Financial Results August 14,2025 東証プライム市場上場証券コード :8253 Tokyo Stock Exchange Prime Market, Securities Code: 8253
Slide 2: FY2025 1Q Financial Results Digest
FY2025 1Q Financial Results Digest Progress rate Net revenue 108.9 YoY 108.9％ 22.7％ billion yen FY25 1Q Progress rate Consolidated Business profit 22.9 YoY 100.3％ 23.9％ billion yen Results Progress rate Profit attributable to owners of parent 16.0 YoY 97.0％ 23.8％ billion yen ✓ Sales and business pro
Slide 3: Overview of Business Results by Segment
セグメント別業績概況 *1 Overview of Business Results by Segment （億円／￥100 Million）事業利益又は事業損失(△) FY25計画進捗率 Business Profit or loss FY24-1Q FY25-1Q YOY Plan Progress rate ペイメント 63 115 181.1% 260 44.4% Payment リース 10 10 105.4% 40 27.3% Lease ファイナンス 90 90 99.4% 362 25.0% Finance 不動産関連 46 18 40.3% 175 10.8% Real
Slide 5: Global Business
Global Business Overview 1Q：Below the plan <Lending Business> Costs increased in the India business due to special factors, etc.. The businesses in Brazil and Vietnam are growing steadily <Investment Business> A business loss was recorded due to the recognition of valuation losses on investments, et
Slide 6: Credit Saison India: FY25-1Q Status (Local Financial Information)
Credit Saison India：FY25-1Q Status (Local Financial Information) ※Figures prepared in a simplified form based on Credit Saison India's disclosure materials. ※This is different from the consolidated financial statements. ✓ While revenue increased due to the growth in receivables among others, busines
Slide 7: Credit Saison India: Receivable Balance
Credit Saison India : Receivable Balance ✓ Although there are variations in strength depending on the product, the receivables balance is steadily expanding ✓ We aim for growth through a strategy centered on direct lending Approx. Approx. Direct lending ■ Trends in receivables balance 188.0 Approx.
Slide 8: Credit Saison Brazil / HD Saison Vietnam
Credit Saison Brazil／HD Saison Vietnam Credit Saison Brazil HD Saison Finance ✓We are developing our BtoBtoC lending model through ✓Retail finance business in Vietnam (motorcycles, home partnerships with local fintech companies appliances, cash loans, etc.) ✓While expanding the target areas and adva
Slide 9: Finance Business
Finance Business Overview 1Q：According to the plan While the businesses of Credit Saison and Saison Fundex saw increased profits, due to IFRS adjustments, etc. (Impairment losses on operational investment securities), there was an increase in revenue but a decrease in profit. ■ Segment business prof
Slide 10: Key Indicators of Finance Business
Key Indicators of Finance Business ✓ Both the guarantee business and the real estate finance business steadily expanded their balances ✓ From 2Q onward, we aim for sustained growth toward achieving the full-year plan ■ Guarantee business balance (billion yen) ■ Real estate finance business balance (
Slide 11: Payment Business
Payment Business Overview 1Q：Above the plan Growth in shopping transaction volume and shopping revolving/installment balances due to promotions for our premium strategy.* The revision of annual fees and charges, including the increase in revolving credit fees, associated with the product modificatio
Slide 12: Key Indicators of Payment Business
Key Indicators of Payment Business ✓ Aiming for sustainable growth through deepening collaboration with existing partners and new alliance strategies. ■ Shopping transaction volume (trillion yen) ■Card shopping revolving and ■ Cash advance balance (billion yen) installment balances (billion yen) 107
Slide 13: Progress on Initiatives to Improve Profitability
Progress on Initiatives to Improve Profitability ✓ Since the previous fiscal year, we have gradually been revising our product lineup and fee structure. Additional measures are also under consideration Increase in Revolving Fee Rates Estimated revenue impact (for the 12 months following the start of
Slide 14: Other segments
Other segments Real estate related 1Q：Below the plan Business profit of 1.8 billion yen (YoY difference: -2.7 billion yen ) ✓ Leasebacks at Saison Fundex are expanding the balance. ■Real estate related: Segment Business Profit ✓ At Saison Realty, there was a decrease in revenue and profit due to the
Slide 15: Credit Risk
Credit Risk ✓ [Standalone] Shopping receivables 90+ days delinquency rate: From a rising trend of 0.1-0.25% in the previous quarter, the increase narrowed to less than 0.1% in the first quarter *Delinquency rates typically decline in the third quarter due to seasonal balance growth Credit costs: Rem
Slide 16: FY2025 1Q Financial Results Summary
02．FY2025 1Q 決算概要 Financial Results Summary © 2025 CREDIT SAISON CO., LTD. 16
Slide 17: Financial Summary
決算サマリー Financial Summary （億円／￥100 Million） FY24 FY25 FY25計画進捗率 YOY Plan 1Q 1Q Progress rate 純収益 1,000 1,089 108.9% 4,790 22.7% Net revenue 連結事業利益 228 229 100.3% 960 23.9% Consolidated Business profit 四半期利益 Profit attributable to 165 160 97.0% 675 23.8% owners of parent 営業収益 735 826 112.4% 3,425 24
Slide 18: Overview of Business Results by Segment (Net Revenue)
セグメント別業績概況 *1 Overview of Business Results by Segment （億円／￥100 Million）純収益 FY24-1Q FY25-1Q YOY FY25計画 Plan *2 進捗率 Net revenue Progress rate ペイメント 599 672 112.3% 2,746 24.5% Payment リース 32 34 107.0% 146 23.7% Lease ファイナンス 168 180 106.8% 777 23.2% Finance 不動産関連 74 49 67.2% 318 15.7% Real estate relat
Slide 19: Overview of Business Results by Segment (Business Profit)
セグメント別業績概況 *1 Overview of Business Results by Segment （億円／￥100 Million）事業利益又は事業損失(△) FY25計画進捗率 Business Profit or loss FY24-1Q FY25-1Q YOY Plan Progress rate ペイメント 63 115 181.1% 260 44.4% Payment リース 10 10 105.4% 40 27.3% Lease ファイナンス 90 90 99.4% 362 25.0% Finance 不動産関連 46 18 40.3% 175 10.8% Real
Slide 20: Contribution by Consolidated Companies
Contribution by Consolidated Companies ■ Business Profit Difference (billion yen) Consolidated Non-consolidated Business Profit Ordinary Profit Difference FY25-1Q 22.93 18.70 4.22 (Year-on-year difference ) 0.06 6.34 -6.27 ■ Contribution by Consolidated Companies (billion yen) Contribution to Year-o
Slide 21: Progress on Capital Policy
Progress on Capital Policy Announced Details Progress Share Buybacks Planned 70.0 billion yen of share buybacks in the medium-term management period (FY24-26) From May 2025 to July 2025, ✓ As of April 7, 2025, 50.0 billion yen worth of share 11.5 billion yen worth of share buybacks has already buyba
Slide 22: Financial Policy
Financial Policy ■ Sound financial base ■ Structure of interest-bearing debt Credit Rating • Almost 80% of the interest-bearing debt is composed of long-term ・R&I A+ * Have maintained an "A+" rating for more funds than 25 years since October 1996 • Fixed interest rate procurement accounts for about
Slide 24: Profit Structure Transformation
Profit Structure Transformation Moving beyond reliance on payments to a new stage of growth via domestic and overseas businesses Global Pa Pa Pa y y y l Pa a y ob m m m m en FY2006 en en FY2013 l FY2023 G en FY2026 t t t 75.2 36.3 t 71.9 （plan） nce billion yen billion yen billion yen Over 100.0 Fina
Slide 25: Trends in Consolidated Operating Revenue/Net Revenue
Trends in Consolidated Operating Revenue/Net Revenue *Japanese accounting standards were applied up until FY17. IFRS (International Financial Reporting Standards) has been applied from FY18. (billion yen) 4,500 450.0 4,228 422.8 4,000 400.0 361.6 3,616 3,500 350.0 3,226 322.6 304.8 3,048 3,114 311.4
Slide 26: Trends in Consolidated Ordinary Profit/Business Profit
Trends in Consolidated Ordinary Profit/Business Profit *Japanese accounting standards were applied up until FY17. IFRS (International Financial Reporting Standards) has been applied from FY18. (billion yen) 1,200 120.0 1,000 100.0 93.6 936 80.0 800 719 71.9 60.9 609 60.0 600 56.7 567 53.0 530 52.2 5
Slide 27: External Recognition (Examples)
External Recognition (Examples) ■ESG recognitions ■IR website recognitions Selected as a constituent for Received both the Grand Prize and Bronze Prize 5 out of the 6 ESG indices adopted by GPIF in two major site rankings First selected First selected in 2024 in 2024 ■DX recognitions Recognized for
Slide 28: Investor Relations
Investor Relations https://corporate.saisoncard.co.jp/en/ir/ https://corporate.saisoncard.co.jp/en/ir/ Integrated Report 2024 https://corporate.saisoncard.co.jp/en/ir/integrated_report/ https://corporate.saisoncard.co.jp/en/ir/integrated_report/ • This report uses "FY" to indicate fiscal years. For

Credit Saison — Q1 FY2025 Earnings Presentation on 6ix

Credit Saison — Q1 FY2025 Earnings Presentation

Slide 1: FY2025 1Q Summary of Financial Results

Slide 2: FY2025 1Q Financial Results Digest

Slide 3: Overview of Business Results by Segment

Slide 4: Overview of Each Business Segment

Slide 5: Global Business

Slide 6: Credit Saison India: FY25-1Q Status (Local Financial Information)

Slide 7: Credit Saison India: Receivable Balance

Slide 8: Credit Saison Brazil / HD Saison Vietnam

Slide 9: Finance Business

Slide 10: Key Indicators of Finance Business

Slide 11: Payment Business

Slide 12: Key Indicators of Payment Business

Slide 13: Progress on Initiatives to Improve Profitability

Slide 14: Other segments

Slide 15: Credit Risk

Slide 16: FY2025 1Q Financial Results Summary

Slide 17: Financial Summary

Slide 18: Overview of Business Results by Segment (Net Revenue)

Slide 19: Overview of Business Results by Segment (Business Profit)

Slide 20: Contribution by Consolidated Companies

Slide 21: Progress on Capital Policy

Slide 22: Financial Policy

Slide 23: Appendix

Slide 24: Profit Structure Transformation

Slide 25: Trends in Consolidated Operating Revenue/Net Revenue

Slide 26: Trends in Consolidated Ordinary Profit/Business Profit

Slide 27: External Recognition (Examples)

Slide 28: Investor Relations