Credit Saison Co., Ltd. · TSE:8253
Credit Saison — Q1 FY2026 Earnings Presentation
29 slides from Credit Saison's earnings presentation, Aug 12, 2026
Slide 1: FY2026 1Q Summary of Financial Results
FY2026 1Q Summary of Financial Results August 12, 2026 Tokyo Stock Exchange Prime Market, Securities Code: 8253
Slide 2: FY2026 1Q Financial Results Overview
01．FY2026 1Q Financial Results Overview © CREDIT SAISON CO., LTD. 2
Slide 3: Summary
Summary ◼ 1Q consolidated results showed increased revenue and profit *See the next slide, Overview of Business Results by Segment Achieved record-high • Domestic businesses, led by the Payment and Finance segments, are progressing steadily above plan • The Global business is also recovering, led by
Slide 4: Overview of Business Results by Segment
Overview of Business Results * From FY26-1Q, due to the withdrawal from the amusement business, the “Entertainment Business” has been abolished, and the continuing operations previously included in that business have been reclassified into the “Payment Business.” Accordingly, FY25 figures have been
Slide 5: Contribution by Consolidated Companies
Contribution by Consolidated Companies ■ Business Profit Difference (billion yen) Consolidated business Non-consolidated Difference profit ordinary profit FY26-1Q 30.44 19.76 10.68 (Year-on-year difference) 7.50 1.05 6.45 ■ Contribution by Consolidated Companies (billion yen) Contribution to Year-on
Slide 6: Global Business
02．Global Business Overview of Main Business Segments © CREDIT SAISON CO., LTD. 6
Slide 7: Global Business Overview
Global Business Overview FY25-1Q FY26-1Q YoY 1Q Topics While progress varies across country, overall performance has Segment business profit (JPY billion) △0.8 2.2 +3.1 been strong, putting us on track to achieve the full-year profit plan of JPY 9.0 billion Lending Business* 0.9 2.6 +1.7 Robust grow
Slide 8: India Business: From Profit Recovery to Growth
India Business : From Profit Recovery to Growth ■Credit Saison India’s Business Profit *Kisetsu Saison Finance(India)Pvt. Ltd. 1Q (April-June) Overview (JPY billion) FY26 full year (plan) FY25 full year: JPY 5.1 billion JPY 10 billion-level Steady profit progress • Achieved profit of JPY2.7 billion,
Slide 9: India Business: Balancing Portfolio Quality and Growth
India Business：Balancing Portfolio Quality and Growth ◼ Expanding receivables through a direct lending-focused strategy while strengthening risk management ◼ Steady progress toward the FY26 target of JPY 475 billion Trends in receivables FY24 FY25-1Q FY25-2Q FY25-3Q FY25 FY26-1Q FY26 plan balance Br
Slide 10: India Business: Business Model
【Appendix】 India Business: Business Model Wholesale Partnership Embedded Branch Business Model Lending Lending Finance Lending Unsecured Secured Loans through tech enables Loans to Local Loans through tech-enabled Overview alliances with non-financial Lending utilizing branches and sales agents NBFC
Slide 11: India Business: Diversification of Funding Sources
【Appendix】 India Business：Diversification of Funding Sources ◼ Further strengthened the funding foundation by diversifying funding sources and instruments and signing an agreement for Credit Saison India’s largest-ever multi-currency ECB syndicated loan facility. Number of financial institutions ( b
Slide 12: Brazil Business
Brazil Business ◼ Expanding through the B2B2C lending model in partnership with local fintech companies, with loan balances steadily increasing ◼ Preparing to obtain SCFI(*) license * SCFI: a nonbank financial institution license unique to Brazil ◼ In 1Q FY26, provision for credit losses was recorde
Slide 13: Vietnam Business
Vietnam Business ◼ Digitalization drove improved execution speed, with solid new lending and strong growth in loan receivables ◼ While profit grew steadily under local accounting standards, IFRS results incorporate future risks such as ECL. Profit contribution (JPY billion) Receivables balance (VND
Slide 14: Payment Business
03． Payment Business Overview of Main Business Segments © CREDIT SAISON CO., LTD. 14
Slide 15: Payment Business Overview
Payment Business Overview *From FY26-1Q, due to the withdrawal from the amusement business, the “Entertainment Business” has been abolished, and the continuing operations previously included in that business have been reclassified into the “Payment Business.” Accordingly, FY25 figures have been rest
Slide 16: Building on the Revenue Base Established Through the Premium Strategy
Progress of Strategy Building on the Revenue Base Established Through the Premium Strategy to Reinforce General Cards ◼ Steady expansion of the general card customer base in parallel with the Premium Strategy, leading to sustainable growth *The Premium Strategy refers to a strategy aiming to expand
Slide 17: Expansion of Installment Payment Usage and Upselling to Revolving Credit
Starting from the Expansion of Installment Payment Usage, Promoting Upselling to Revolving Credit to Build Up Balances Installments ■ Shopping revolving credit and installment balances (billion yen) A shift toward longer payment terms is progressing, contributing to improved profitability and balanc
Slide 18: Finance Business
04． Finance Business Overview of Main Business Segments © CREDIT SAISON CO., LTD. 18
Slide 19: Overview of the Finance Business
Overview of the Finance Business ◼ 1Q ramped up ahead of plan YoY FY26 FY25-1Q FY26-1Q difference plan Segment business profit (billion yen) 9.0 13.8 +4.8 48.7 Credit Saison 3.6 6.6 +3.0 － Saison Fundex 3.4 4.6 +1.2 － Suruga Bank 1.4 2.3 +0.8 － *Segment business profit includes Credit Saison, Saison
Slide 20: Consolidated Balances Continue to Grow Steadily
Consolidated Balances Continue to Grow Steadily Guarantee Business Led by Growth in Secured Products ■ Guarantee business balance (billion yen) ■ Real estate finance business balance (billion yen) Credit guarantees 1,500.0 15,000 No. of partnerships with financial institutions: 15,000 1,500.0 56 (+2
Slide 21: Appendix
Appendix. © CREDIT SAISON CO., LTD. 21
Slide 22: Credit Risk [Consolidated]
Credit Risk [Consolidated] ■ Delinquency rate over 90 days (consolidated) (billion yen) Credit balance 5.0% 60,000 6,000.0 4.0% 3.0% 3,000.0 30,000 2.0% 1.54% 1.58% 1.58% 1.59% 1.62% 1.0% 0.0% 0 FY25-1Q FY25-2Q FY25-3Q FY25-4Q FY26-1Q ■ Credit cost (consolidated) (billion yen) FY25 full-year: 62.3 b
Slide 23: Credit Risk [Non-Consolidated]
Credit Risk [Non-Consolidated] ■ Delinquency rate over 90 days (non-consolidated) Shopping Cash advances ✓ While the delinquent balance remains almost flat, the delinquency rate Credit card total ✓ The delinquency rate fluctuates up and down but has increased in calculation terms due to the decrease
Slide 24: Financial Policy
Financial Policy ■Sound financial base ■Structure of interest-bearing debt Credit ratings • About 80% of the interest-bearing debt is composed of long-term funds ・R&I A+ *Have maintained an A+ rating for over • Fixed interest rate procurement accounts for about 70% of the total 25 years since Octobe
Slide 25: Strategic Direction for Long-Term Growth Based on Changes in the Environment
Strategic Direction for Long-Term Growth Reproduced from the FY25 Financial Results Briefing Based on Changes in the Environment ✓ Using changes in the interest rate environment as an opportunity, we will evolve our earnings structure and capital utilization, and accelerate sustainable growth Recogn
Slide 26: Approach to Capital Policy in FY26
Approach to Capital Policy in FY26 Reproduced from the FY25 Financial Results Briefing for Long-Term Growth Based on Changes in the Environment (Partially Updated) ✓ We will give priority to pursuing potential investment opportunities that contribute to long-term growth and will flexibly consider th
Slide 27: Shareholder Returns
Reproduced from the FY25 Shareholder Returns Financial Results Briefing ✓ FY25: Expecting 130 yen per share, which marks a 5th consecutive year of dividend increases (in line with initial forecast) ✓ FY26 forecast: Expecting increased sales and profit, year-end dividend is expected to be 160 yen per
Slide 28: External Recognition (Examples)
External Recognition (Examples) ■ ESG recognitions ■ IR website recognitions Selected as a constituent of all 6 ESG indices adopted by GPIF, Received both the Grand Prize and Silver Prize as well as the FTSE4Good Index Series in two major site rankings Awarded for Silver Prize two consecutive (first
Slide 29: Investor Relations
Investor Relations https://corporate.saisoncard.co.jp/en/ir/ https://corporate.saisoncard.co.jp/en/ir/ Integrated Report 2025 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