Credit Saison Co., Ltd. · TSE:8253

Credit Saison — FY2004 Earnings Presentation

14 slides from Credit Saison's earnings presentation, 2004

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

   SAISON CARD INTERNATIONAL CREDIT SAISON CO.,LTD.

2. Slide 2: Materials Related to Non-Consolidated and Consolidated Financial Statements

   Materials Related to Non-Consolidated Financial Statements Volume of New Contracts 1 Installment accounts receivable 2 Operating Revenue 3 Selling General and Administrative Expenses 4 Structure of Assets and Liabilities by Interest Rate Sensitivity 5 Performance Estimates 6 Materials Related to Con

3. Slide 3: Volume of New Contracts

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

4. Slide 4: Installment Accounts Receivable

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

5. Slide 5: Operating Revenue

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

6. Slide 6: Selling, General and Administrative Expenses

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

7. Slide 7: Assets and Liabilities by Interest Rate Sensitivity

8. Slide 8: Performance Estimates

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

9. Slide 9: Financial Highlights for Affiliates and Consolidated Subsidiaries

   FINANCIAL HIGHLIGHTS FOR CREDIT SAISON'S AFFILIATES AND CONSOLIDATED SUBSIDIARIES

10. Slide 10: Balance Sheets of Consolidated and Non-Consolidated

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

11. Slide 11: Statements of Income of Consolidated and Non-Consolidated

    Term Consolidated Non-consolidated Difference Item Operating revenues Financing and administration fees Income from entertainment sales 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 s

12. Slide 12: Balance Sheets of Saison Fundex Corporation

    Items Items (Assets) (Liabilities) Current assets Current liabilities Cash and deposits Short-term loans Mortgage receivable Negotiated mortgages Short-term loans receivable Accounts payable Accounts receivable Unearned income Prepaid expenses Accrued expenses Accrued revenue Allowance for bonuses D

13. Slide 13: Statements of Income of Saison Fundex Corporation

    Operating revenues Interest income Foreign currency exchange gains Dividend income Operating expenses Interest expense Foreign currency exchange losses Cost of other Selling, general administrative expenses Operating income Non-operating revenues Non-operating expenses Ordinary income Extraordinary

14. Slide 14: Performance Estimates

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

Credit Saison — FY2004 Earnings Presentation on 6ix