Credit Saison Co., Ltd. · TSE:8253

Credit Saison — FY2005 Earnings Presentation

15 slides from Credit Saison's earnings presentation, 2005

1. Slide 1: Credit Saison Co., Ltd.

   SAISON CARD INTERNATIONAL CREDIT SAISON CO.,LTD.

2. Slide 2: Slide 2

3. Slide 3: YOY Change and % of Total

   YOY Change (%) % of Total YOY Change (%) % of Total YOY Change (%) % of Total

4. Slide 4: YOY Change, Increase/Decrease, Change from 2005/3

   YOY Change (%) Increase/Decrease Change from 2005/3(%) \ \ \ \ Increase/Decrease YOY Change (%) Change from 2005/3(%)

5. Slide 5: YOY Change and % of Total

   YOY Change (%) % of Total YOY Change (%) % of Total YOY Change (%) % of Total YOY Change (%) % of Total YOY Change (%) % of Total YOY Change (%) % of Total \

6. Slide 6: Increase/Decrease and YOY Change

   Increase/Decrease YOY Change (%) Increase/Decrease YOY Change (%) Increase/Decrease YOY Change (%) Increase/Decrease YOY Change (%) Increase/Decrease YOY Change (%) Increase/Decrease YOY Change (%)

7. Slide 7: Slide 7

8. Slide 8: YOY Change and % of Total

   YOY Change (%) % of Total YOY Change (%) % of Total YOY Change (%) \

9. Slide 9: Financial Highlights for Credit Saison's Affiliates and Consolidated Subsidiaries

   FINANCIAL HIGHLIGHTS FOR CREDIT SAISON'S AFFILIATES AND CONSOLIDATED SUBSIDIARIES

10. Slide 10: Consolidated Balance Sheet

    Difference Difference (Assets) (Liabilities) Current assets Current liabilities Cash and deposits Notes and accounts payable Notes and accounts receivable Short-term loans Other trade receivables Current portion of long-term debt Inventory Current portion of corporate bonds Deferred income taxes Com

11. Slide 11: Consolidated and Non-consolidated Income Statement

    Term Consolidated Non-consolidated Difference Item Operating revenues Financing and administration fees Income from entertainment Entertainment sales Cost of entertainment sales Income from real estate Real estate sales Cost of real estate sales Income from leases Leases sales Cost of leases sales O

12. Slide 12: Balance Sheet Items

    Items Items (Assets) (Liabilities) Current assets Current liabilities Cash and deposits Short-term loans payable Short-term loans receivable Accounts payable Accounts receivable Unearned income Prepaid expenses Accrued expenses Accured revenue Accrued corporate tax Deferred income taxes Allowance fo

13. Slide 13: Income Statement

    Operating revenues Interest income Exchange losses Dividend income Operating expenses Interest expense Exchange losses Selling, general administrative expenses Operating income Non-operating income Cost of non operating Ordinary income Extraordinary income Extraordinary losses Loss on sale of securi

14. Slide 14: YOY Change and % of Total

    YOY Change (%) % of Total YOY Change (%)

15. Slide 15: Slide 15

Credit Saison — FY2005 Earnings Presentation on 6ix