Credit Saison Co., Ltd. · TSE:8253

Credit Saison — FY2003 Earnings Presentation

14 slides from Credit Saison's earnings presentation, 2003

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

   SAISON CARD INTERNATIONAL CREDIT SAISON CO.,LTD.

2. Slide 2: Materials Related to 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 Interest Rate Structure of Assets and Liabilities 5 Performance Estimates 6 Materials Related to Consolidated Finan

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: Interest Rate Structure of Assets and Liabilities

8. Slide 8: Performance Estimates

   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 and Non-Consolidated Balance Sheets

    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 Merchandise Current portion of corporate bonds Deferred income taxes C

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

    Term Consolidated Non-consolidated Difference Item Operating revenues Financing and administration fees Income from merchandise sales Merchandise sales Cost of merchandise sales Income from travel & entertainment Travel & entertainment sales Cost of travel & entertainment sales Income from leases Le

12. Slide 12: Saison Fundex Corporation Balance Sheets

    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 Accured revenue Allowance for bonuses D

13. Slide 13: Saison Fundex Corporation Statements of Income

    Operating revenues Interest on mortgage receivable Interest income Derivative evaluation gains Dividend income Operating expences Interest expense for mortgage Interest expense Foreign currency exchange losses Selling,general administrative expenses Cost of others Operating income Non-operating inco

14. Slide 14: Performance Estimates

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

Credit Saison — FY2003 Earnings Presentation on 6ix